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

I received a text message notification from XXXX XXXX XXXX XXXX ( credit monitoring service ) notifying that Personify Financial had reported my account 30 days late to XXXX on XX/XX/XXXX. I immediately contacted Personify Financial and spoke to their Customer Service Supervisor. He went over my account and acknowledged I shouldn't have been reported late to XXXX, since I was 27 days late when I made a payment in the amount of {$220.00} on XX/XX/XXXX ( which covered 2 installments in the amount of {$110.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). The next payment in the amount of {$240.00} made on XX/XX/XXXX was also 27 days late ( which covered 2 installments in the amount of {$120.00} each, due on XX/XX/XXXX and XX/XX/XXXX ). A subsequent payment in the amount of {$370.00} was made on XX/XX/XXXX ( which covered 3 installments in the amount of {$120.00} each, due on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX plus a {$17.00} late fee. The Customer Service Supervisor promised he would contact me again in the next few days and assured me it would be taken care of by notifying XXXX of the mistake made by them. That same day ( XX/XX/XXXX ) I also filed an official credit dispute with XXXX. I never received the follow up call I was promised from Personify Financial 's Customer Service Supervisor. 
Finally I received a Complaint Acknowledgement letter from Personify Financial dated XX/XX/XXXX stating the reason I was reported 30 days late to XXXX was due to a late fee charged to my account in the amount of {$17.00}. 
I replied to Personify Financial on XX/XX/XXXX stating my disagreement with their decision to report my account 30 days late to XXXX. The female Customer Service Representative who processed the payment in the amount of {$220.00} on XX/XX/XXXX advised me a late fee in the amount of {$20.00} was being assessed to my account, clearly stated there was no need to pay it at that time and would be added to my account balance. She did not warn me at any time if not paid at that moment I could be reported to the Credit Bureau. As a matter of fact, when I made a payment on XX/XX/XXXX I inquired with Personify Financial 's Customer Service Representative XXXX and he advised me there was no need to pay any outstanding late fee in order to bring an account to current status. 
I never received a reply to my letter dated on XX/XX/XXXX. I sent a second letter to Personify Financial on XX/XX/XXXX and received a reply on XX/XX/XXXX stating they had completed their investigation of my dispute and the information furnished to XXXX was accurate. 
I had an unblemished credit record until XX/XX/XXXX and this has seriously hurt my credit score and credit worthiness since then. I had never been reported to any Credit Bureau in the past. I find it extremely unfair and a non-ethical business practice for Personify Financial to provide inaccurate information regarding the assessment of late fees and not warn the customer to fulfill it at the time a payment is made or face the consequences of being reported late to the Credit Bureau.
Product: Debt collection

EXCESSIVE calling from this company Comenity Bank to a minors cell phone number for incorrect persons debt collection. Have received HUNDREDS of calls!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact this credit bureau on multiple occasions, unfortunately I have not received a response in regards to this matter. The following accounts do not pertain to my personal information nor my personal credit. This is a call for removal of the following accounts, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Letters regarding inquiries found on my credit were submitted TransUnion on  XXXX , and   XXXX   on  XXXX . Transunion refused to remove any of the inquiries and an second letter was send  XXXX . I never received a response from  XXXX  nor an update.
Product: Student loan

Navient continues to have my loan in default status and says I have a past due balance of over {$1500.00}. However, I entered into Rehabiliation with XXXX in XXXX 2015. Payments are current and automatically deducted from my bank account on the XXXX of each month. I have submitted supporting documentation from XXXX to Navient, which I should not have to do if Navient referred XXXX to me, several times and even highlighted the Navient account number on the XXXX documents. It is as if Navient is forcing me to pay the rehabilitation agreement amount AND the monthly payment they calculated, which is not what I was told by XXXX when I entered into the agreement
Product: Credit reporting, credit repair services, or other personal consumer reports

Hyundai continues to report inaccurate, inconsistent, false and damaging information on my credit file. I have given them multiple opportunities to correct errors on my file and they have failed. My actions have included emailing and calling multiple executives in the organization. It is not my responsibility to identify the inconsistent data for them. I demand this tradeline be " DELETED '' immediately as this has been investigate and reinvestigated multiple times and still contain errors. I have taken multiple financial hits due to their inability to report data lawfully in accordance to FCRA. 

In review of the attached credit file downloaded today from annualcreditreport.com, attached file XXXX 3, you will see 30 day late reported XXXX 2019 and on the attached file XXXX 1 you will see 30 day late reported XXXX 2019 with inconsistencies being XXXX. 

I am not reporting this for a tradeline update. I demand the tradeline be " DELETED '' immediately for failure to comply with laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Federal Trade Commission Consumer Response Center XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX : CREDIT COMPLAINT LETTER To Whom It May Concern : I received a copy of my credit report and am disputing information concerning my payment history. Accordingly, I am requesting that you investigate my dispute and add the attached history of payments to my credit file under the Fair Credit Reporting Act, 611 ( a ) [ 15 USC 1681i ( a ) ]. Please check the following accounts again accuracy. These accounts were removed from my credit report on the following months. XXXX XXXX removed from XX/XX/XXXX ( 30 day late removed ) dated on XX/XX/XXXX, XX/XX/XXXX ( no longer reported as 30 day late ), and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX removed XX/XX/XXXX ( Charged Off Removed ) dated on XX/XX/XXXX and XX/XX/XXXX ( Charge off removed ) credit reports. XXXX XXXX XXXX XXXX ( XXXX ) removed XX/XX/XXXX dated ( Charge Off Removed ) on XX/XX/XXXX. Because the inaccuracies were not corrected, I could not get a mortgage loan and a car loan for my daughter. Not only that but your agency has taken away so much time and stress that was unnecessary. I have spent hours, days and years sending in documents and you fail to clean up my credit file. After explaining why and how the items were removed, one of credit bureau associates refused to dispute/delete the inaccuracies ( XX/XX/XXXX ). I am requesting an updated copy of my credit report, which should be sent to the address listedbelow. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this  report. Additionally, if you contact any entity ( person or company ) in order to make the necessary updates, please provide the names, business address and telephone numbers so that I may follow up directly if needed. I am requesting your assistance in putting an end to this matter. If you have any questions or need additional information, please contact me at the address listed below. Thank you for your assistance. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX Social Security # XXXX
Product: Mortgage

We negotiated a reverse mortgage with Finance of America. The specialist we dealt with was XXXX XXXX. After agreeing to terms, we signed the necessary documents and were given a 3-day grace period to change our mind, after which the initial payment would be wired to our bank account. Although we signed everything as requested, the money was never transferred. Instead, we received an email from the company indicating that they made an error with the application and that they could no longer fund the loan. The error was a very simple arithmetical error on their part ( not ours ) and we were unaware of it ( it was not included anywhere in the documents we signed ).

We are now in limbo and may face significant financial hardship as a result, with outstanding bills due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a several errors & inaccurate information being reported on my credit report from Transunion XXXX XXXX credit bureaus. There is a Bankruptcy being reported on my personal credit profile with Transunion, XXXX as verified. I received letters from both company 's saying they verified this Bankruptcy XXXXr XXXX. I was wondering how did they verify this information when the Clerk from the BANKRUPTCY COURT OF THE XXXX XXXX OF VIRGINIA sent me a letter stating they do not repot information to credit reporting agencies and XXXX XXXX, and they also do not VERITFY INFORMATION WITH CREDIT REPORTING AGENCIES!! I have provided proof of my address and documentation showing that I live at XXXX XXXX XXXX in XXXX NC XXXX XXXX XXXX XXXX. I also have already provided a copy of my SSN and driver licenses. My Social is # XXXX. UNDER THE FAIR CREDIT REPORTING ACT, I HAVE PROVIDED ADDITIONAL INFORMATION SUPPORTIN THIS DISPUTE.
Product: Credit reporting or other personal consumer reports

There are delinquency and credit cards on my file I dont have no credit card serious delinquency on one or more of your accounts. 
The ratio of revolving account balances to their credit limits is too high. 
There are too few accounts currently paid as agreed. 
The number of accounts that have or had a delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen XX/XX/2019. This same person has tried to open up several accounts in my name, resulting in credit inquiries from various companies. I contacted said companies about the fraudulent activity, and they closed the accounts. The companies also sent letters to all 3 credit bureaus to have the inquiries removed for fraud. I had inquiries from XXXX, XXXX XXXX, XXXX, and XXXX XXXX. Only XXXX  has removed the fraudulent inquiries. XXXX and Equifax refuse to remove these inquiries even after disputing them, calling them, and sending them evidence that these inquiries were done under fraudulent circumstances. I will keep filing complaints and filing disputes until all of these fraudulent inquiries are removed from all 3 credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

account has no details shown for XXXX XXXX. In attempt to resolve account with reporting bureau has remained unsuccessful
Product: Credit reporting or other personal consumer reports

ON XX/XX/XXXX I Discovered that I was a victim of Identity theft. I became aware of the issue when i look on XXXX XXXX and i seen unauthorized inquiries and opened accounts and loans on my credit report ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Fcu XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Navy Fcu XXXX XXXX XXXX ) I did not authorize these activities nor did I provide my personal information for these purposes. I am submitting this report to Document the identity theft and request assistance in resolving these fraudulent activities. please let me know if any additional information is required .thank you for your time and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 instructions 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.
Product: Credit card

After talking with multiple departments to combine my capital one credit cards to lower the interest rate, today I am frustrated with a customer service rep who addresses my concerns, with " Oh my god '' after I respectfully ask to speak to a manager. I was told that I could combine my credit cards from Capital one to the lower interest rate almost 3 weeks ago and that I would receive the confirmation in the mail, today XXXX, employee ID XXXX, supervisor that informed me that nothing could be done and the previous representatives was wrong. My complaint is gross miscommunication, unprofessional behavior, failure to provide accurate information/plans a consumer can participate. Speaking to a customer in a unprofessional manner such as I was today. Totally unprofessional and uncalled.
Product: Mortgage

On XX/XX/XXXX the lender and my attorney agreed to stall the foreclosure case for 60 days due to myself being in review with the loss mitigation department Mr. Cooper. On XX/XX/XXXX I was advised I was approved for a loan modification by XXXX ID XXXX. I was told the loan modification paperwork was to be mailed and I would receive it in 7 - 10 days. On XX/XX/XXXX I also received an email that I have copied and pasted in an attachment to this complaint. I then made the payment for XXXX and XXXX with no problem. During this time I still had not received the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and she said she would fax the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and was told she would email me the modification. On XX/XX/XXXX I spoke to XXXX ID XXXX and was advised that the XXXX and XXXX payments had been received and applied properly. On XX/XX/XXXX I spoke to XXXX ID XXXX and I was told the modification was denied on XX/XX/XXXX due to me not signing the trial plan. Please note that I had still not received the trial plan and it was only emailed on XX/XX/XXXX. The email that I received said that I must sign or call or make the first payment. I printed and signed the email and faxed it to the bank. I verbally accepted via telephone and I made the payment. Please help. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

The debt for XXXX XXXX was settled, it is no longer in collections. There should be a XXXX balance reflected in my credit report. The remarks can reflect paid for less than owed if need be. please see attachment for account number and proof of payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX sent dispute to XXXX and XXXX concerning a collection from XXXX XXXX On XX/XX/XXXX I was advised XXXX deleted the account file : XXXX {$420.00} amount shown in collection As of XX/XX/XXXX This account is still being reported as in collection and 0 % paid This was an account that was used/open fraudulently on an XXXX XXXX XXXX I never received and I reported to XXXX XXXX . I was advised account was closed and would be noted. ( original date XXXX ) XXXX XXXX apparently purchased XXXX XXXX and this account began to appear on credit report as collection. I have disputed numerous times and requested validation and have never received any proof this account is or was opened by me : billing detail statements, signature card or proof this is/as my account. 
XXXX/XXXX finally were to delete the account but still showing on Credit Bureau Reports I believe this account keeps being sold/bought by different collection groups. My only notice has been Credit Report Monitoring
Product: Credit reporting or other personal consumer reports

I am XXXX XXXX, and I am personally submitting this request to report that they failed to investigate the inaccuracy of the report. Despite the passage of time, I have yet to receive any response from Transunion, prompting me to seek your assistance. Despite numerous prior written requests, the unverified items listed below persist on my credit report, which is in violation of Federal Law. Their actions reflect negligence and failed to investigate the items. 

I am well aware that, under the Fair Credit Reporting Act, they are obligated to provide evidence, documentation, and clear, accurate responses within the specified statutory time frame. Failing to do so obliges them to remove erroneous and unverified items. Their unfavorable and unacceptable actions have had a detrimental impact on my credit scores. Please find below the items that are of concern to me : XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX {$560.00} Charge Off XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX {$2400.00} Charge Off XXXXXXXX XXXX XXXX XXXXXXXX XXXX Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX XXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX XXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX XXXX Open Date XX/XX/XXXX {$1300.00} Charge Off XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX {$0.00} Charge Off XXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX {$0.00} Charge Off XXXX XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXXXXXX Open Date XX/XX/XXXX {$0.00} Charge Off XXXX XXXX Open Date XXXX XXXX, XXXX {$0.00} Charge Off XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX Date Opened XXXX XXXX, XXXX {$1200.00} Collections INQUIRIES INCLUDED IN DISPUTE NOT TIED UP TO POSITIVE ACCOUNTS XX/XX/XXXX FACTUAL DATA XXXX XXXX, XXXX FACTUAL DATA XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FACTUAL DATA XX/XX/XXXX FACTUAL DATA XX/XX/XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and dissatisfaction with the ongoing challenges I have faced in attempting to remove fraudulent items from my credit file. Despite multiple efforts, the fraudulent information persists, negatively impacting my creditworthiness and causing undue distress.

I first identified unauthorized and fraudulent entries on my credit report. Subsequently, I have diligently followed the established dispute resolution procedures to rectify this issue.

This situation is not only a violation of my rights under the Fair Credit Reporting Act ( FCRA ) but is also causing severe financial and emotional strain. I insist on a thorough and immediate investigation into the fraudulent entries on my credit file.

I am formally requesting the following actions : A comprehensive and urgent review of the fraudulent items on my credit report.

Immediate removal of the inaccurate and fraudulent information to restore the accuracy of my credit file.

Verification of the corrective actions taken and an updated credit report reflecting the accurate and corrected information.

I am fully aware of my rights under the FCRA and the significance of correcting inaccuracies promptly. Failure to address and rectify this matter in a timely manner may leave me with no choice but to explore legal remedies to protect my rights.

Enclosed with this letter, you will find copies of supporting documents.

I kindly request your prompt attention to this matter and request written confirmation once the fraudulent items have been successfully removed from my credit file. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX  Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX  Balance Owed : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX DEPTEDXXXX XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Mortgage

in XXXX of XXXX First TN finalized a foreclosure on a property I had financed with them. I had owned this property since XX/XX/XXXX and had built a 2nd home on it. I had built up approximately {$31000.00} in equity. I owed {$29000.00} +/- at the time they started processing a foreclosure. I asked First TN, multiple times, to please work with me as the economical downturn in the market place impacted my income directly, but they refused. I explained to them that my income had dropped and my tenants moved out without notice. I tried to rent it and was able to maintain the payments for a few months. However, I could not find a tenant. I tried on multiple occasions to convince First TN that if they would just work with me, I would get back on track and continue to pay them. First TN sold it for {$51000.00} in XX/XX/XXXX for a profit. They continued to call me to collect a balance still owed of around {$7000.00}. This continues to haunt me as they have it on my credit report as a foreclosure with an outstanding balance. It has cost me higher interest rates with new creditor, declined financing from new creditors and required larger down payment on vehicles.
I have attempted to rebuild my credit for almost 7 years now and continue to be denied for new credit. I can not finance a new vehicle, I have drove the same one for 15 years.
The ramifications of First TN not being willing to work with me has cost me immensely, in numerous way. First TN sold this property for approximately {$22000.00} more than I owed. This was equity I planned to use toward my retirement.