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

Hi, I XXXX XXXX have been dealing with issues with my student loan provider DEPT OF EDUCATION/NELN since XX/XX/XXXX ... there is an error on my XXXX and XXXX credit report in which the account was in forbearance I will upload the document showing proof of this and I notified the student loan provider and the credit bureau and they still remain to report this error on my credit report. I also mailed out on XX/XX/XXXX via certified mail with return label to this provider that this information needs to be fixed and to provide me with the original instrument of indebtedness in its original form for proof of this debt which also the lender has provided no response to me which also they received on XX/XX/XXXX. It's now going over 120+ days of no response since originally trying to reach out to this lender. It's to my understanding that there are laws put in place to protect consumer rights correct? By Law DEPT OF EDUCATION/NELN under account # XXXX this item must be removed from my credit report since the creditor did not respond and the bureaus must be held accountable for verifying this late payment while I have documentation from the lender themselves that there was no payment due on the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$440.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureau to identify the accounts reporting, and I was sent a letter stating that everything was accurate. After refreshing my report, I found improper accuracies even after they said that they did a full sweep. 

Here are the accounts : XXXX XXXX Account XXXX XXXX. XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX. XXXX Account XXXX Please remove it from my credit report. 
XXXX. XXXX Account XXXX XXXX. XXXX XXXX XXXX Account XXXX XXXX. XXXX XXXXXXXX XXXX XXXX Account XXXX XXXX. XXXX XXXXXXXX XXXX  XXXX Account XXXX In accordance with the Fair Credit Reporting Act Convergent Accounts listed above, 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 an account without my written instructions.
Product: Student loan

Navient is my student loan servicing agent. I have paid the bill each month. I have been ob a income driven payment plan due to my low paying XXXX XXXX job. I called to get the application to re-apply, they we will send it to you and they have done it and this has been over 4 months. I have made calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX.

No application. All I want to do is stay current with my student loan payments and they are stalling me not telling me the truth. It seems to me they want the student to default.

Well I am not trying to do that. Please help me! I want to pay, and pay what I can afford. My Human Resources Department Faxed over to Navient the Income driven application in XX/XX/2018 and they are saying they never got it. The Human Resources office has the paper work showing they did fax the application to them. They keep lying to me. Please help me.
Product: Debt collection

The account was charged off but I was not notified or sent a 1099 c after the charge off and the company expects me to still pay this debt.
Product: Debt collection

The national credit ajdudtment company started calling me XX/XX/XXXX. I spoke with them and they were looking for someone else. I told them they had the wrong number. They called the next day XXXX XXXX and I told them they had the wrong number. To stop calling me. I blocked tvem. They still called XXXX XXXX and XXXX XXXX from their line. Then they used another number to call me on XXXX XXXX. I am not the person they are looking for, I have told them this and they are still calling which is harassment at this point.
Product: Credit reporting or other personal consumer reports

I have mailed written letters to Equifax and TransUnion requesting that certain hard inquiries that I do not recognize be removed from my credit report. 
Such as : XXXX XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ( this one is from when I was helping my daughter do her fasfa ) not that I was inquiring
Product: Mortgage

XXXX Mortgage XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX I have been trying to resolve this matter for over a year. XXXX XXXX asked me to help reconcile his account and I sent an email to customer care on XX/XX/XXXX. The email I received stated that he needed to give written authorization, which he did on XX/XX/XXXX. He died on XX/XX/XXXX. No one ever got back to me. I was told that I needed letters testamentary to get any information regarding the account. 
The probate process is long, and I received letters on XX/XX/XXXX. I contacted them again on XX/XX/XXXX. Their response on XX/XX/XXXX stated that my information would be forwarded to the appropriate department for review and processing. It never stated they had filed for foreclosure. I sent another email on XX/XX/XXXX requesting information because I had not heard from the company, and I learned that the property was being foreclosed on even though it was still in probate. 
They never properly informed me on this matter. No timely information was sent to resolve the matter before it was sent to foreclosure. In doing my research a letter was sent to me and the deceased at his property address on XX/XX/XXXX giving him 30 days to dispute. However, 2 days later a foreclosure in XXXX XXXX was filed on XX/XX/XXXX even though they knew the property was in probate. Then a duplicate letter was sent to me at the deceased address on XX/XX/XXXX. This seemed like a bad faith attempt. All letters addressed to me should have been sent to my address. When I contacted them on XX/XX/XXXX this was within the XXXXday period of the XX/XX/XXXX letter, so a foreclosure should not have been filed. Their responses to me should have included the fact that they prematurely filed for foreclosure, so I do not feel that those fees are warranted. I asked for a waiver of the fees, and I never received a response to my request. The account was reinstated and I still have not received notice of cancellation of the foreclosure. 
I received the XXXX statement with assessed expenses of {$2400.00} and no explanation. When I called, I was told to look at the transaction part which had an assessed expense of {$100.00} for attorneys fees on XX/XX/XXXX but no other explanation. Customer service told me that they sent a reply to my waiver request to an XXXX XXXX XXXX instead of my office address or even the property address. 
It is unfortunate that no one is taking accountability for the multiple mistakes made in reconciliation of this account. No one seems to have any authority to give me requested information and correspondence is continually being sent to the wrong place even though my information has been given to you multiple times. Extra fees are still being added to the account.
Product: Credit reporting or other personal consumer reports

i am not liable to this debt with portfolio recovery i do not have a contract with this collection agency they did not provide me with any original contract as required
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX my money was transferred to Skrill, However Skrill said it would take another 3-5 business day for them to clears now its been 6 business days and now they wont answer my phone call and have my account on Restriction and I dont have a have any access to my money in it its my wifes birthday and Im really upset about it what can we do
Product: Credit reporting or other personal consumer reports

I filed FTC Report because i found fraudulant items on my credit report and nobody will help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My consumer right has been violated according to 15 us code 1681... inaccurate information is listed on my report which should be DELETED IMMEDIATELY ....
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017, a sales clerk ran my credit to open a XXXX XXXX line of credit without my permission. I have since contacted XXXX XXXX and they have closed this account as being opened fraudulently. I would like TransUnion to remove the " hard inquiry '' on my credit report. TransUnion 's initial response to my request to remove this inquiry was that I contact the lender, which I have since done.
Product: Credit reporting or other personal consumer reports

After looking at my credit report I found some hard inquiries that are not mine
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I applied for a home equity loan. I was told that there was a charge-off from XXXX XXXX that remained unpaid and open. That account belongs to my husband who had filed for personal bankruptcy protection on XX/XX/year>. The amount in question at the time was for {$3500.00}, it had since accrued interest and is around {$4000.00}. I signed up for XXXX, Experian, and XXXX to dispute the error with no success. I am requesting that this information be removed from all three credit bureaus. I would also like a copy of my new credit reports reflecting that change.
Product: Student loan

I have been affected by the downturn in the economy since the market crashed XX/XX/2008. I have been on and off public assistance and unemployment, whilst seeking work in my field. I fell behind taking care of my Perkins loan, although I tried to get it out of collections, I let it slide, and it transferred from agency. I am finally in the process of getting my life back on track with a contract position. I was incensed, however when I received a call from " Conserve '' at my job today. They were very hostile and aggressive. I asked them who they were and for an email or web site, and they would not cooperate. They embarrassed me whilst I was trying to work to pay my bills, and debt that capitalizes daily. I have enough stress in my life trying to pay for food and a roof over my head, and I do not need to have my place of work interrupted with rude debt collectors. Why ca n't I roll this perkins debt into one of my consolidations? Why must I be harassed, while I am trying to keep my employment? I have enough anxiety trying to perform well at work, I do n't need to worry about losing my job because a debt collector is calling. People are cut throat enough, I do n't need this XXXX. XXXX, I ca n't deal with this. Their number is XXXX. I am not giving out my personal information to a stranger, who would n't even be forthright with whom they were. I am already on income based repayment. Please help.
Product: Student loan

I have been trying to enroll in autopay for close to a year now, and despite being told that I have been enrolled several times, they still will not charge my payment as an autopay.
Product: Checking or savings account

CITIBANK CLOSED MY ACCOUNT WITH PROVIDING NO REASON. TOLD ME THAT MY FUNDS WILL BE RETURNED TO ME IN THE NEXT 45-60 BUSINESS DAYS I WAS REACHING OUT TO CUSTOMER SUPPORT AND THEY WILL TELL ME TO WALK INTO BRANCH FOR MORE INFORMATION, I WILL WALK INTO BRANCH AND THEY WILL TELL ME TO CALL CUSTOMER SUPPORT LONG STORY SHORT NOBODY HAD A ANSWER FOR MY MONEY WHERE IT WAS WHERE IT WAS GOING NOTHING ALL THEY CAN PROVIDE TO ME WAS THAT MY ACCOUNT WAS CLOSED NOTHING FURTHER
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following inaccurate, contradictory information in my file. The items I need deleted are listed in the report. 
I am a victim of identity theft and did not make these alleged charges. I ask that the items be permanently deleted from my credit report and updated. 


I reported the theft of my identity to the Federal Trade Commiss and I also have enclosed copies of the Federal Trade Commiss Identity Theft Affidav Please delete the items as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus Transunion, XXXX, and XXXX have listed on my Credit Report, XXXX XXXX XXXX and Original Creditor XXXX XXXX XXXX in the amount of {$3700.00}. The issue is this shows as opened XX/XX/XXXX and that the Account is OPEN and all of that is Categorically False!! I have been with XXXX since XX/XX/XXXX making this debt over 7 years old which should of been removed. 

These creditors do this all the time change dates to justify their Collection activity when in fact they are aware that it is false. This type of business practice is unethical, unlawful, and they know it and still use it to their advantage! 

I have talked and filed complaints to the Credit Bureaus to no avail so I am left with no other recourses than to file this compliant with you.
Product: Mortgage

I have a loan modification thru Bank of America. The loan gradually increases in ( ARM ) until it is supposed to cap out at 4.5 % per the original loan documents. I have contact BofA numerous times, they are now sending me documents saying that the loan caps at 5 %. I have called them and asked them to correct this. They say I am right, it will cap out at 4.5 %, but yet they continue to send me documents and charge me amounts different than what my loan documents say my principal and interest is.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have had a couple years of problems getting an auto loan and replacement credit cards with current companies due to a credit freeze that was put on incorrectly. 
XXXXmy wife, died XXXX I wrote all three agencies, Experian, XXXX XXXX and XXXX to update my information and remove ALL credit Freezes and alerts since they are blocking me. 
XXXX I called all three agencies to check that the remove was done and deleted. They said they would have it posted in 48 hours. 
XXXX I later I reapplied for a credit card and they said the freeze and alert was still there and there was no phone numbers. Secondly, it shows that a NEW credit freeze was put on one of the agencies and therefore ALL three agencies put the freeze back on since they share information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to reopen my complaint number : XXXX This complaint has all the information I submitted earlier. The company replied me back with the wrong information and closed my complaint. 

The sent me attached Notice of Transfer letter and found it was addressed to a wrong person and at wrong address. That letter also has wrong Loan numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I dont own the above property and my property address is XXXX XXXX XXXX, XXXX CA XXXX. Im still making payments to loan depot and my account is not transferred. It looks like you mixed up my name with someone else who also has the same name like me. 

I confirm I did not receive any letter from you and my loan is still with Loan Depot. It sounds like the payment I sent on XX/XX/XXXX was received under a different account that does not belongs to me. This is very serious mistake and I would like you to review it carefully. 

Thank You, Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts on my credit report, as I have been a victim of identity theft. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that the following accounts be removed from my credit file : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$6100.00} XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}
Product: Mortgage

My complaint again about ServiceMac LLC. 
I received a letter from them that my mortgage transferred again back XXXX XXXX XXXX XXXX which is essentially part of ServiceMac. 
My account was just transferred in XXXX and not it back again. 
I don't have access to my new account to make a payment or paid it off which casing a financial loss estimating at {$500.00}. 
I believe ServiceMac discriminate against me because of the numerous complaint I filed against them which is a violation of the Federal Law.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against Experian for non-compliance with the Fair Credit Reporting Act ( FCRA ) and for civil liability due to negligence under 15 U.S. Code 1681o. 

I submitted a dispute regarding an inaccurate item on my credit report. The disputed accounts are : Creditor Name : XXXX XXXX XXXX Amount Reported : {$920.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX  Amount Reported : {$240.00} Date Reported : XX/XX/XXXX Creditor Name : XXXX XXXX  Amount Reported : {$0.00} Date Reported : XX/XX/XXXX Despite my formal dispute, Experian failed to conduct a proper investigation, verify the accuracy of the item, and provide me with an adequate response within the required timeframe under the FCRA. Their failure to act in accordance with federal law has caused financial harm, including denied credit applications, higher interest rates, or emotional distress.

Under 15 U.S. Code 1681o, credit reporting agencies are legally liable for negligent non-compliance with the FCRA. Their failure to correct or remove this inaccurate information constitutes negligence and has negatively impacted my credit standing.
Product: Credit reporting or other personal consumer reports

Social security number is XXXX on experian credit report theirs is negative item called XXXX XXXX its a fraud account I filed a federal trade commission identity theft report on
Product: Credit reporting or other personal consumer reports

The companies that are listed reporting inquiries on my credit report that i do not recall. 

XXXX XXXX XXXX 2.ALLY FINANCIAL 3.ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have asked for documentation providing proof I applied for credit with all the creditors listed and have not received the proof in a 30day timeframe. Please remove the inquiries from my credit report immediately.
Product: Mortgage

My loan modification application is complete as of XX/XX/2016. Bank of America has not provided written acknowledgment of the receipt and completeness of my loan modification application within XXXX business days, as required under XXXX CFR XXXX ( b ) ( 2 ) ( i ) ( A ) - ( B ).
Product: Debt collection

I was advised at the court proceeding the amount of my debt was {$5000.00}, and that the amount would never increase as no interests will be charged. I have been making my monthly payments ever since and I was just advised on a phone call that my account is accruing 12 % interests and the amount on the balance increases {$81.00} dollars a month versus the agreed {$25.00} dollar a month payment. Therefore, this debt will never be paid down. As a consumer I feel that I have been lied to in attempt to collect this debt and it is unfair. In addition, why was I not told this in the beginning I would have seeked an alternate method of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint about the credit bureau 's handling of my identity theft complaint, which I filed on XX/XX/2023. Despite repeated attempts to follow up on the status of my case, I have yet to receive any meaningful response or action from your organization. I expected the credit bureau to take swift and decisive action to rectify the situation and protect my credit score. However, the lack of progress on my case has left me feeling so depressed about the potential long-term consequences. I have already contacted the other agencies and creditors about this matter and it is now being investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquires on my report from XXXX from another city
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against Experian regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 

Account Information : Creditor 's Name : XXXX XXXX Account Number : XXXX Dates of Late Payments : XX/XX/XXXX Nature of Complaint : I submitted a dispute to Experian disputing a late payment reported by XXXX XXXX . I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : Payment made within the 15-day grace period : My payment was made on time, which falls within the 15-day grace period provided by XXXX As such, the account should not have been reported as 30 days late. 
Clerical error by XXXX : Despite making the payment on time, it was incorrectly recorded as late due to a clerical error on the creditors side. This error led to an inaccurate 30-day late report to the credit bureaus. 
Evidence Provided : I have attached bank statements and payment confirmations showing that the payment was made on time, clearly indicating that no delinquency occurred. 
Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, Experian has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report. 

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 

Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 

Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 

Sincerely, XXXX XXXX XXXX