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

Re : Transunion Dear Transunion, There are multiple spellings of my name and listed address that are not associated with me on my credit report that is incorrect. My name is spelled only one way XXXX XXXX XXXX. My current address is XXXX XXXX XXXX XXXX XXXX, FL XXXX. All other addresses and spelling of my name listed are incorrect and resulted from crime ( s ) that have taken place. You were sent a copies of an sworn identity-theft affidavit and identity-report filed with the federal trade commission. However, these inaccuracies still remain on my credit reports which is a violation of THE FAIR CREDIT REPORTING ACT. Furthermore, these incorrect addresses and misspellings of my name prohibit me from verifying my identity with creditors. Lastly, you have also be sent updated information of my current address which I lived at for the past 25 years. I have exhausted all remedies before I take legal action. The following listing in my file are a defamation of character because they are also associated with debts I DO NOT OWE.
Product: Checking or savings account

This act has been taking place since 2019 and they still haven't t correct the issue.
Product: Mortgage

My mortgage was sold to Mr. Cooper, address is Texas. My payment is due the XXXX of the month, I have 15 days grace till it is late, I have it set up on auto pay from my bank on the XXXX after my check is deposited. I have NEVER been late. however, if they do not have my payment by the XXXX, they start calling me every day and harassing me that my mortgage is delinquent. Is this even legal? and every time they call with a delinquent notice does it ding my credit record? I want the harassment to stop!
Product: Credit card

I have never allowed this account to become overdue, always making payments on time. I am uncertain why there are late payment remarks on my account. According to 15 USC 1666b, the billing error should be corrected.
Product: Debt collection

Debt was originally incurred in XX/XX/XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XX/XX/XXXX at which time the debt would have been over XXXX. Statute of limitations has expired. I do not owe this debt to XXXX Bank!
Product: Credit reporting or other personal consumer reports

To whom it may concern ; Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
The following items need to be removed and blocked as they are fraudulent. 
1. 15 US-CODE 1692E FALSE OR MISLEADING XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
2. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

Received XXXX XXXX  from XXXX XXXX which I did not open but was charged for upon my termination of my services with them. Received letter stating I could avoid Exit Fees by returning XXXX XXXX  in original box in a method that provides proof of delivery to Attn : Returns XXXX XXXX XXXX XXXX, XXXX. 
I mailed the merchandise to the above address XX/XX/2019 per XXXX. It was delivered to the above address XX/XX/2019. I have receipts with tracking number and receipt of delivery. The account has since been sold to collection agency who is reporting on my credit reports. 
I attempted to speak with collection agency representative about dispute, but they were argumentative, rude, and generally, non- helpful in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my most recent credit report, I noticed credit inquiries that I did not authorize. I did not authorize anyone employed by these companies to make any inquiry or view my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received another XXXX credit report today. My balance on my XXXX card is incorrect it is showing a balance of XXXX. I owe less than that. Also my express account is showing as a balance of {$31.00} that is also incorrect I paid off the card in full and owe XXXX.
Product: Debt collection

Company called ADR called my husband, claiming he has a XXXX debt that needs to be taken care of. Said that it had to be taken care of right then, or he would be taken to court. No notification or prior notice had been sent by this company. They called my phone the following day, and then refused to speak to me because I am the wife, and not the debt holder. After multiple times of being hung up on by the lady who spoke with my husband  and her supervisor, he finally explained to me. Claimed it was a debt from 2002, almost 20 years ago. Said I had to pay at least XXXX TODAY, or a judgement  would be filed against us. He was extremely rude ( I was not nice back ), telling me that he was XXXX, and I would not talk to him in that way, that I needed to respect my elders. He called me a XXXX, because he cut me off before I had a chance to explain what I was saying. I was driving and taking my mom  to a doctor 's appointment and he told me I was making excuses to not pay. It was an overall horrible conversation, and I can't find anything legit about this company. They've called from multiple numbers, and none of the numbers bring any information up.
Product: Debt collection

I had a Dispute with XXXX XXXX XXXX and the owner is named Ms. XXXX XXXX. I removed my child from the Program. 

However, Ms. XXXX XXXX claimed that I still owed her for the upcoming month that my child would not be in attendance. 

I filed action against her in the Civil Court of New York , County of XXXX and won a " Notice of Judgement '' Index # XXXX in the amount of {$330.00}. She was also notified of this judgement by the courts. 

However, she sent a false amount that I owe her to a crooked collection agency named : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX-XXXX  http : XXXX  Email this Business ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint against Equifax regarding their failure to initiate the dispute process for an issue I raised with them. On XX/XX/2024, I sent a certified dispute letter to Equifax at the following address : XXXX XXXX XXXX, XXXX, GA XXXX. 
According to the tracking information provided by the postal service, the letter was successfully delivered to the specified XXXX XXXX XXXX Despite this confirmation, Equifax has not acknowledged receipt of my dispute letter nor have they initiated the dispute process as requested. The Tracking number is XXXX Enclosed with this letter, please find : XXXX. A copy of the dispute packet I sent to Equifax. 
XXXX. The tracking information confirming the delivery of my letter. 

This lack of response from Equifax is causing significant frustration and potential harm to my financial standing, as the disputed information remains unresolved on my credit report. I request your assistance in ensuring that Equifax promptly addresses my dispute in accordance with the Fair Credit Reporting Act ( FCRA ). 

Thank you for your attention to this matter. I look forward to your prompt response and resolution of this issue.
Product: Credit card

My miles are suddenly gone from my account XXXX Monday XX/XX/XXXX I had an XXXX XXXX trip in my shopping cart I had applied all miles from my account ( XXXX ) This trip XXXX to XXXX was for our XXXX wedding anniversary as well as my wife 's birthday ( both are on XX/XX/XXXX ) I have spent the last 6 months planning this special trip I had a room at the " XXXX '' as well as a XXXX XXXX from XXXX all with XXXX XXXX was going to finalize Tuesday XX/XX/XXXX. I logged in Tuesday XX/XX/XXXX I noticed all my miles gone, I looked for the XXXX XXXX trip but I could not find it anywhere. In a panic I called XXXX I was transferred to the " fraud desk '' I spent the next 3 hours on the phone with " XXXX XXXX '' I was made to close my XXXX linked with this email and open another, XXXX XXXX kept stating it is my responsibility to keep my account secure she stated that on XX/XX/XXXX my email address was changed and I was informed via email I NEVER received any email I asked for her to resend she stated it was not possible If my email is compromised, how come only this account is affected? How do we know that this is not related to XXXX  XXXX XXXX in XXXX or the more recent XXXX XXXX XXXX? 

I have been affected negatively in the following : I can not use my preferred email for XXXX I have been put through 3 hours of wasted time with XXXX XXXX XXXX, I was informed I had to file a police report which I did with XXXX XXXX Sheriff XXXX XXXX Case # XXXX. 
I can not book our XXXX anniversary trip due to no miles. The police report takes 10 business days before I can get a copy. 

I asked pleaded with XXXX XXXX XXXX to connect me with her supervisor as I felt this needed to be escalated XXXX XXXX said she would pass this to her supervisor to date I have heard nothing. 

I feel with the " changes '' being implemented that something has happened behind the scenes Why no emails? 
Why no names in username Why no account # for username I understand about 2 step authentication it is now being used it would solve XXXX XXXX of all unauthorized attempted logins. 

I want to state this I am VERY careful with my data I use a random generated password on all my accounts that I change every 90-120 days THIS WAS NOT DUE TO NEGLIGENCE ON ANY LEVEL FROM MY END
Product: Student loan

Edfinancial Services LLC is reporting duplicate accounts and charges on my credit report with XXXX Credit bureau. On my report it is showing that I have XXXX accounts open, which is incorrect. I only have XXXX accounts open with edfinancial.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inquiries were placed on my credit report during XX/XX/XXXX - XX/XX/XXXX without my consent I
Product: Student loan

I received correspondence from student loan servicer MOHELA dated XX/XX/XXXX regarding IDR recertification which needs to be completed before the deadline of XX/XX/XXXX. However, Studentaid.gov specifically states " The earliest you could be required to re-certify is XX/XX/XXXX. 
On your account XXXX XXXX page, you may still see a recertification date that is earlier than XX/XX/XXXX. We are working to get those updated, and we thank you for your patience. If your recertification date falls between now and XX/XX/XXXX, it will be pushed out by one year. For example, if your account says your recertification date is XXXX XXXX, XXXX, that date will be pushed out to XXXX XXXX, XXXX. '' This excerpt is taken from : https : //studentaid.gov/announcements-events/covid-19 under Income-driven repayment, under subheading " when do I have to recertify my IDR plan? '' According to the above, my recertification date should be pushed back one year to XX/XX/XXXX. I have reached out to MOHELA but I have not had any resolution or explanation of this matter. The representative states the information from studentaid.gov, a government website is incorrect. This problem is actually well known to other borrows in my situation and they have had this problem resolved with Mohela.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX client, XXXX XXXX is a victim of identity theft. A current XXXX, XXXX and XXXX credit report reveals that a fraudulent application was submitted to CBNA/Best Buy with his information that resulted in an inquiry XX/XX/XXXX and XX/XX/XXXX that he did not authorize. In addition an application with CBNA/Sears was also submitted with his information XX/XX/XXXX. An official dispute of this information was sent certified mail to CBNA/Best Buy and CBNA/SEARS however a current credit shows these fraudulent inquiries are still listed which is a violation of the FCRA.
Product: Student loan

My XXXX and XXXX Perkins loans are serviced through ACS, now XXXX. I have been working as a XXXX XXXX for the last three years and prior to that as a XXXX XXXX, and as such my Perkins loans qualify for cancellation. I have supplied adequate documentation annually to ACS, and every year there is great difficulty in obtaining my loan cancellation. Again this year I have submitted the proper paperwork and ACS continues to request further documentation. This documentation continues to place an unnecessary step in the cancellation process as I have already provided the information requested to process the cancellation.
Product: Debt collection

I was never late on this account. Please find attached letter. Please do not call me communicate in writing only. If you do call me do not record me or use automated dialing systems/tech.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXXXXXX XXXX XXXX  act # XXXX Account : XXXX XXXX XXXX acct # XXXX I was never late on the paid off accounts and accounts listed above please show me documentation showing proof of transaction showing I was ever late to support your inaccurate reporting on my account If u can not supply this please delete this alleged late payments from my credit report
Product: Credit card

I have been lied to by Goldman Sachs multiple times over the past 3 days. On XX/XX/year>, I paid a charge off which was a required item needed for the home buying process I am in. I reached out to GS and paid in full, I did not settle. I asked for a XXXX balance letter to prove this to my lender and was told I could get it emailed to me once my payment processed. I called back after the payment processed and was told it had to me mailed to me which would take 10 days. When I expressed that this was too long, I was directed to a supervisor who eventually told me they got a case open to get it emailed to me. I called back the next day to follow up, and I was told that the case had not been made and that I would not be getting the email. I expressed my frustration and was assured that a new case was made and that I would be receiving a call " very shortly ''. I waited XXXX hours and called back just to be told that I had been lied to AGAIN and to not expect a callback for up to 10 days as well. I have been dragged through by GS all because they can not get it together and overnight or expedite an incredibly simple request.
Product: Credit card

I received an email today XX/XX/24 ( XXXX ) of a hard inquiry on my account for applications through XXXX different banks that I havent applied for. The names of the bank are Bank of America and XXXX XXXX XXXX  in XXXX XXXX. I received a phone call last XXXX  from the XXXX department of Bank of America asking me to confirm if I had put in an application for a card which I did not. And I received an email just now ( XXXX XX/XX/24 ) telling me my application is pending for XXXX XXXX. I tried calling XXXX XXXX just now, but theyre closed. Once I saw the email about the inquiry, thats when I called back the number from the voicemail left from Bank of America. I have never heard of XXXX  XXXX bank until I saw that email. And I have never been interested in opening an account with Bank of America. Bank of America told me they put in a request to have an investigation done on the application that was put in and that it could take XXXX business days to be looked at. Bank of America said it may not be resolved if they dont find evidence of fraud, in that case I would have to open a dispute with the credit bureau .
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to all 3 bureaus regarding inaccurate items on my credit report. Now it's XXXX and I've yet to receive a response nor those items removed. I dont really know how to file disputes but after all of this time it seems like I'm being taken advantage of and basically ignored. Section 511 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my report. It has been well past that time frame and I demand these items be removed immedately or I will be forced to file for litigation. This is my second time dealing with a credit bureau. The first was when the XXXX data breach occured and I was afraid my information may have fell into the wrong hands
Product: Vehicle loan or lease

The company declined to give any details on the account because I couldnt verify the account due to the fact it was fraudulently opened with westlake financial services
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit report I found out XXXX XXXX XXXX is incorrect and unverifiable. The balance, the dates tagged as late and other information are all incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two state tax liens reported on all three credit reporting bureaus that should be deleted. I have requested that these items be removed from my credit report and yet they still remain.
Product: Mortgage

I am writing to formally express my dissatisfaction with the service I have received from Selene Finance Mortgage. Earlier this year, I was sent a settlement offer, but despite my numerous attempts to contact the company for clarification, I was consistently unable to get a response. The lack of communication was frustrating, and when I did manage to speak with a customer service agents, they were unhelpful, and in some cases, outright rude and unprofessional. 

To make matters worse, I sold my rental property in XX/XX/2024, and despite my mortgage being paid in full, I still have not received the funds from my escrow account as of XX/XX/2024. I find it unacceptable that I am still waiting for this payment.I am requesting immediate disbursement of the funds in my escrow account, along with interest for the time the money has been withheld. I expect to receive a prompt response and resolution to this matter XXXX XXXX. 

I trust that Selene Finance will handle this situation appropriately, but based on my experience, I will not be doing business with this company ever again. 

Please have Selene Finance confirm when I can expect to receive my escrow funds.
Product: Debt collection

Please assist in deleting these items from my credit report 4 days after you receive this notice. I'm willing to accept the deletions of the unauthorized erroneous items instead of taking legal action for the violations you clearly made.
Product: Credit reporting or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare a final appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable that are kept to be established as correct. Be sure to generate me with a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX,
Product: Debt collection

I have submitted multiple validation letters since back in XXXX of this year 2018. Letters went to XXXX  XXXX XXXX XXXX requesting they validate the debt that they have listed on my credit report along with XXXX XXXX XXXX . XXXX XXXX XXXX   responded advising that debt was now XXXX XXXX XXXX yet neither of them could validate the debt in question. They both are showing on my credit report as a debt being owed in the amount of XXXX. It is impossible to owe two different companies for the same debt yet neither of them can bear signatures or original creditor documentation. I received a response from XXXX XXXX XXXX as well which did not show any info advising that the account is even my account.
Product: Payday loan, title loan, personal loan, or advance loan

I received a loan from Credit Fresh, which is appearing more of a predatory group than lender the more I deal with their business. I repaid far beyond my original loan balance, but interest prevented the loan from being paid off in a timely fashion. To avoid losing my home or vehicle, I defaulted on this loan anticipating a pay off quote or settlement at a later date, or to be sent to collections. The lender never contacted me personally regarding missed payments that I am aware of, though I did verify that they had correct contact information. 

I ultimately forgot about this loan, which I do take responsibility for, HOWEVER today I was contacted by my father, who was never on this loan or any other with me, that he had been contacted regarding this loan being served papers for court. 

I understand the compliance of repaying a loan, predatory or not, however there are strict laws in place to protect us consumers that prevent lenders from reaching out to family, friends, and places of business in settlements. I again verified and the lender has the correct mailing address as well as the correct phone number for me, so it is preposterous they think it reasonable to contact someone completely unrelated to the loan. I do not reside with my father, nor do we share any banking relationships. 

I ultimately only signed permission for a credit report to be run on myself, and it is clear they processed more background screening in order to contact my father at his place of business.