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

My loan went into the CARES Act Deferment. When we were coming out of deferment, i had selected to go thru an approved modification offered by XXXX XXXX. 

XXXX then required me to enter into a trial program for 3 months before they would approve this modification. When you logged into their site, this was the only item they asked for payment for, there was no way to pay any other loan, or see anything else was past due. 

I made those payments on time, and it took several more months because of problems with their paperwork ( they would send me one copy of the loan modification, so I would sign it and send it back, and they would say they needed 2 copies. Then they said we didn't fill the form out correctly ) During this time they reported the original loan as past due. Their excuse is that I was making payments on this new loan, while not making my payments on my old loan. I was making every payment I was made aware of. 
I had no idea I would have to pay 2 mortgages at the same time to not fall past due on the original mortgage. I have requested they make this accommodation twice, and they have denied it because even though I did make payments, they say I didn't fufill my contract on the original loan. 

While I have gone thru this process, I have made every payment we agreed to on time, yet they have reported me past due as 30, 90, 120, and 150 days on all my credit reports. To me this feels like an accounting error on their part, as there was no way for me to apply those payments to that loan, their payment portal only allowed it to be applied to this new modification. I had no idea the other loan was falling past due while doing this. You can look at my payment schedule and see how I made all the payments on time, but they were applied to this new trial mortgage instead of my original mortgage, which caused the original to fall behind. 

You can see on my payment schedule that these payments are on my account as 'unapplied payments '
Product: Debt collection

got a notification on my credit report that my score went down a lot. checking into it found out that someone has rented an apartment using my information and ran up a bill of {$5200.00}. now a collection agency Rentsolutions account # XXXX has my account. 
I have had identity theft in the past and have cleared it up but this one i have desputed and they will not change it or clear it for some reason. The address is XXXX XXXX XXXX XXXX XXXX la XXXX i have never rented anything in louisiana nor been there. 
i have filed a police report, sent copies of my address plus copy of bills with my adress, copy of my drivers license and a police report number XXXX to XXXX who sent to rentrecoverysolutions to dispute they said nothing changed and it was my bill police report at XXXX oregon police department XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX on XXXX, it also states on equifax it was charged off in XX/XX/XXXX, it shows no payment history on XXXX XXXX every month it charges off in the months XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, shows no data in XX/XX/XXXX and Charges off in XXXX XXXX equifax to shows charge off XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX on XXXX it shows 120 days late in XX/XX/XXXX and on equifax it shows 120 days late in XXXX XXXX XXXX  it shows date of late payment as XX/XX/XXXX and both equifax  and XXXX it shows no date of last payment.On XXXX  it shows no balance update and no balance, on equifax it balance updated XX/XX/XXXX and {$0.00} balance and on XXXX it shows balance up dated XX/XX/XXXX and {$0.00} balance.this inaccurate information falsely manipulates my credit worthiness and it's hurting my ability to obtain credit.You failed to investigate this account properly and your neglect has violated my rights.I am demanding a deletion of the following account : Accounts Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX Enclosed is a copy of my most recent credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted an identity theft report and mailed it to Transunion requesting that Transunion remove the detailed information from my report within 4 business days of receiving the report per 15 USC 1681c-2. Transunion has violated my consumer rights by not removing the specified information which was a result of identity theft. They received this information on XX/XX/XXXX and only today did they acknowledge they received it claiming that my HAND WRITTEN AND FINGER PRINTED document was a " third party '' so they won't investigate the identity theft. 

Upon calling the first time today, a man told me they'll get the information right off for me as soon as he transfers me. Once he transferred me, the woman told me that " It was deemed to be a third party ''. I asked her how they did that when it's my own handwriting with signature and fingerprint? She said she can't disclose that information. 

I called back and this time got a woman who claimed and insisted that they never received any kind of mail from me. Only after I recited my certified mail return receipt tracking number did she seemed to be rattled for a moment before saying she's transferring me to a supervisor. 

The supervisor told me that they deemed it to be a third party and that they won't investigate it. 

This is ridiculous. 

Please see the attached documents for proof of the letter, its delivery date, and an example of how XXXX perfectly removed the specified information unlike Transunion is doing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to DELETE some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be DELETED. The credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be DELETED immediately. 

XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an inaccurate late payment report on my account. According to my records, I made all payments on time, yet my report reflects late payments on the following date XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the accuracy and completeness of all reported information. As this account has never been late, I request that you investigate this matter and provide verifiable proof, including payment records, to substantiate these late payment claims. 

If you are unable to verify the accuracy of this information, I demand that the late payments be corrected to reflect on-time payments immediately. I have attached a copy of my credit report highlighting the errors for your reference. 

Thank you for your prompt attention to this matter. Please provide written confirmation once the necessary corrections have been made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to update the items which are erroneous and unverified.Their unfavorable and unacceptable actions have been hurting my credit scores immensely.Please see below the items I am concerned of : XXXX XXXXXXXX Balance : {$4800.00} XXXX XXXXXXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Date of inquiry : XX/XX/2XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021 XXXX XXXX Date of inquiry : XX/XX/202XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX XXXX XXXX  Date of inquiry : XX/XX/2021 XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/2021 XXXX  Date of inquiry : XX/XX/2021 XXXX Date of inquiry : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion should not be reporting a collection/chargeoff in the amount of {$XXXX} on the XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) The repair that was desperately needed to be completed in the bathroom was never finished in a timely manner and therefore I was forced to move out of the apartment because there was only one functional bathroom. I did not break the lease. The apartment complex never fulfilled their obligation to provide a habitable apartment. I have attached the section from my lease which clearly states in paragraph ( 30 ) the RESPONSIBILITIES OF THE OWNER make all reasonable repairs - - If we violate any of the above, you may terminate this Lease Contract and exercise other remedies... ( Please see section of the lease attached for reference. ) I gave notice to vacate the premises on XXXX. Pursuant to the Lease Contract, it is null and void. There is no outstanding balance due and consequently nothing to collection/chargeoff. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account that's showing on my report by XXXX XXXX XXXX in the amount of {$1400.00} is not mine, nor do I have any accounts or contracts by this company, EQUIFAX is fraudulently reporting an verifying an account that does not exist.
Product: Debt collection

I received a collections letter dated XX/XX/XXXX ( copy attached ) from Williams, Alexander and Associates about the account with XXXX XXXX XXXX, the medical provider. I disputed the collections claim on XX/XX/XXXX ( copy attached ).
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Also, my husband, XXXX XXXX, had a detailed discussion with XXXX XXXX in their office around XX/XX/XXXX. He explained to her how the claim was incorrectly submitted and also that we would be disputing the account. She said that she will make a note of it and assured him that when the account will be reported to the credit bureaus on XX/XX/XXXX it will be marked as disputed and it will have no effect on credit score until a resolution is reached. They record all calls so there should be a record of the call.
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They sent me an acknowledgement letter dated XX/XX/XXXX ( copy attached ) confirming that the account will be notified as disputed when it is reported to the credit bureaus. They also included an explanation and EOB for the services provided.
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I contacted XXXX XXXX XXXX again starting XX/XX/XXXX asking them if they have submitted the claim correctly and then worked with them and XXXX XXXX for the next 3 weeks to resubmit the claim. Because the claim was over a year old, XXXX did not honor it. In good faith, I went ahead and settled the claim on XX/XX/XXXX for the new amount of {$420.00} ( see updated statement and receipt attached ).
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My understanding, from conversations with XXXX at XXXX XXXX XXXX, is that she contacted Williams, Alexander and Associates immediately stating that the account has been settled. This should have closed the case.
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I would like to bring to your notice a few concerns I have : First, the explanation provided in the letter dated XX/XX/XXXX is incorrect and it doesnt look like proper research was done. The medical provider, XXXX XXXX XXXX XXXX, should have submitted the claim to XXXX XXXX for XXXX, instead they submitted it to XXXX ( see EOB ). Because of the incorrect submission, the claims were denied.
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Second, Williams, Alexander and Associates mentioned over the phone and in writing that the credit bureaus will be notified that the account is in dispute. Instead, the credit bureaus were notified incorrectly that the account is severely overdue and no dispute was recorded ( see attached credit bureau report ).
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Third, the account was fully settled on XX/XX/XXXX and XXXX, from XXXX XXXX XXXX  notified Williams, Alexander and Associates immediately about it. This should have eliminated the need for any reporting to the credit bureau and it was done before XX/XX/XXXX. But they ignored the notification and still reported derogatory information to the bureaus.
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As a result of these mistakes and incorrect reporting to the bureaus, my credit score has dropped from the XXXXs to the XXXXs across the three bureaus. I found out about this the hard way because the APR for loan that I was about to originate doubled from 8.98 % to 16.97 % and because of this I was unable to originate it. Ill be happy to provide evidence of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is missing from my credit profile, that being a Discover card in my name with the following account # XXXX XXXX XXXX XXXX. 
XXXX XXXX added me as an authorized user on his Discover card back in XX/XX/2021. Discover did approve and add me on as an authorized user in XX/XX/2021 providing me with the following account # XXXX XXXX XXXX XXXX. 
I am requesting XXXX and XXXX to verify this information with Discover Card services. 
I am also asking XXXX and XXXX to verify Discovers authorized users policy which states : *Discover reports the account credit history to the three major credit bureaus as to you and the Authorized User. This can help build the Authorized User 's credit history if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact yours and the Authorized User 's ability to build credit. 
I am also requesting the missing information be added to my credit profile
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  Date of inquiry : XX/XX/2019 This is not mine. 

2. Identity Theft BANKAMERICA Account Number : XXXX This is not mine. 

3. Identity Theft BK OF AMER Account Number : XXXX This is not mine. 

4. Identity Theft XXXX Account Number : XXXX This is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX, after already having applied XXXX months ago, and having been approved for my first line of credit. After making XXXX consecutive on-time monthly payments on my first loan with no outstanding payment balance as required, I applied for my XXXX loan request with XXXX. However, upon making a request for an additional loan amount I was declined for the following reason ( s ) : XXXX was unable to retrieve my credit report.
Product: Student loan

After having a student loan for years with Mohella, and having many problems with Mohella reps, who I could not understand due to the language and professional barriers, I have been banned from calling Mohella. It is not my responsibility nor job to deal with unprofessional conduct, therefore I can not resolve my student loan issues.

Additionally I have worked in a XXXX for over 20 years and it is my belief that this loan should have been totally forgiven.

Additionally, I would respectfully request a full apology from Mohella when this is resolved. 

Respectfully, XXXX XXXX
Product: Debt collection

Last year I paid this account to clean my credit. I do n't know what this debt was for but I paid a reduced amount in order to have it removed from my credit and receive a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX numerous times however these fraudulent accounts are still inaccurately reporting on my credit report.
Product: Money transfer, virtual currency, or money service

I am working with US Bank and XXXX XXXX XXXX on a {$32000.00} wire transfer. I called US Bank to input the wire transfer numbers into the XXXX  form. The US Bank representative gave me all the routing and transfer numbers. I read each area of form to US Bank representative and they gave me the information to input. IA few days later XXXX actually did the wire transfer. 
Days later I had not received the money. I called US Bank and talked with XXXX and she said there was no {$32000.00} wire transfer on that day ( XX/XX/2019 ) I then called XXXX and they said yes and they have confirmation that US Bank received it on that day, and sent me the documentation. I called US Bank back and talked with the manager XXXX in Wire Transfer in XXXX XXXX, MO. She said she found the wire but I could not get the funds. I said I have multiple bank and loan accounts and I can go in with my drivers license and get it. She said there is an error and only XXXX  can fix it. I called XXXX and they gave me information to talk with US Bank and US Bank said even though my name is on the funds it is not in their policy to resolve this with Affinity. 
I said, isn't the wire suppose to reject if the name and account number don't match? She said she could do nothing. I emailed XXXX and back and forth I went. They both blamed each other and said there was nothing they could do. Now it is XX/XX/2019 and I called a US Bank Branch Manager and asked for help. He called back and said it is on XXXX. I said I talked with US Bank and Affinity and they both say it is each others issue and US Bank would not help at all despite the {$32000.00} being in their hands. 
Many hours and phone calls and days have gone into trying to get this money. At the same time, now I am paying interest on 2 loans! The US Bank Assistant Manager just called me and said he talked with US Bank wire department and with XXXX and he thinks he has it worked out. It is Friday XXXX. If the bank closes I have gone another week without money that legally is supposed to be in my account within a couple days or rejected and sent back to the sending bank. Not only does this break many wire transfer regulations, it is totally irresponsible for the bank to not take steps to get an error fixed when they know there is an error to get it fixed. US Bank Wire Department is just letting the money sit in a US bank account and doing nothing to fix an error that was reported to them.
Product: Credit reporting

On XX/XX/XXXX I filled Bankrupsy XXXX. All negative items were include in Bankrupsy and were discharged through the Bankruptsy over 5 years ago. 
On XX/XX/XXXX I ordered a Credit Report from Equifax. All negative items which were discharged, appears with CURRENT status as " Included in Bankruptsy ''. 
Even I had the Bunkruptsy, the correct CURRENT status is " Bankruptsy Discharged '' or " Discharged through BankruptsyChapter XXXX '' for all negative items. 
I have discused these incorrect statuses with Equifax twice. 
On XX/XX/XXXX I receved another investigation results from Equifax. There were no changes.
Product: Debt collection

I have an old debt on my credit report from XXXX XXXX XXXX. I have switched phone numbers multiple times since the original debt back in 2015. This company, Credence Resource Management is always finding my new number, I'm assuming by running my credit report WHICH IS ILLEGAL. 

They are also calling from XXXX numbers, what appear to be from local numbers when they are not local. I believe this is illegal to " spoof '' numbers when they are sitting in other locations. They never leave messages then when I return the call, it's this company and they are always of XXXX decent. I have no idea if these people are scams or what the problem is but it's disturbing how they are gaining access to my new cell phone numbers when I have had NO contact with them in many years. 

As stated, they are also calling from what appears to be local numbers and spoofing their number in an illegal attempt to make me answer.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Congress has limited the use of consumer reports to protect consumers privacy. All users must have a permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Section 604 contains a list of the permissible purposes under the law. ( FCRA sections in the U.S. Code, 15 U.S.C. 1681 et seq. ) Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. If a user takes any type of adverse action as defined by the FCRA that is based at least in part on information contained in a consumer report, Section 615 ( a ) of the FCRA requires the user to notify the consumer. The notification may be done in writing, orally, or by electronic means. The term " adverse action '' is defined very broadly by Section 603 of the FCRA. Adverse actions include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by FCRA 15 U.S.C. 1681 et seq. : Section 603 ( k ). This includes denying or canceling credit or insurance, denying employment or promotion, denying a rental application, increasing a security deposit or rent, or requiring more restrictive lease terms because of a report. No adverse action occurs in a credit transaction where the creditor makes a counteroffer that is accepted by the consumer.