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

Problem : Credit score wrong as the associated credit report shown on XXXX incorrectly states that I have n't got recent usage of credit card. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They advised me to contact Experian as according to XXXX they do n't change the data from Experian. They further advised that there is problem with " Last Activity '' data being reported from Experian as it states " Not available ''. " Last Activity '' should have the date of my last credit card usage Date : XX/XX/XXXX - Contacted Experian ( XXXX ). They generated a credit report and walked me through and highlighted that they are sharing all the required data to XXXX. They further stated that they can clearly see in my report that there is recent credit card usage Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). Since the agent could n't resolve or had access they escalated to their manager. The manager accepted that this is an issue and committed to resolve within 24 hrs even though their normal SLA is 72 hrs. She accepted the fact that the lower score being reported is what the mortgage lenders will see. I highlighted to her that because of this data issue on their side I will need to pay higher interest rates. <P/>Date : XX/XX/XXXX - Contacted XXXX ( XXXX ) as there was no response for more than 24 hrs. A supervisor committed to address the issue within 24 hrs or offer me a work around if they are n't able to resolve. <P/>Date : XX/XX/XXXX - Email sent from XXXX restating the issue and that they ca n't resolve this Date : XX/XX/XXXX - Contacted XXXX ( XXXX ). They just stated the same as in the email and asked me to contact Experian. They did n't want to take ownership to talk to Experian to get this issue resolved as they are best positioned. I highlighted to them that Experian have mentioned that the problem is with XXXX interpreting the credit report. Experian showed me the credit report that clearly shows that I have been recently using the credit cards. <P/>I would like to file this complaint to seek your help to get this issue resolved with XXXX as this is unnecessarily affecting my credit score being reported to mortgage lenders. Also the fact that I am not being treated fairly by XXXX to get this issue resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was made aware of a credit card account open in my name in XXXX which was later closed for account abuse and left unpaid. Since then my name has been reported to XXXXXXXX  contribution ref # XXXX with XXXX XXXX The account was opened fraudulently without my knowledge tied to a phone number XXXX which is not mine, and an address i do not and have not lived XXXX XXXX XXXX XXXX XXXX ca XXXX.
Product: Student loan

My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. 
As this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached ) Please remove all non-account holding inquiries over 30 days old Please remove all Fraud Alerts / Security Freezes from my credit profile. Please remove all previous Addresses, Employers and Also Known As Names. The info on my attached ID is accurate. accounts must be removed and if you unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below. I demand the following accounts be removed immediately. 1. BMW FINANCIAL SERVICES/CREDIT Account Number : XXXX This account is inaccurate, and I am seeking litigation. Delete at once
Product: Credit reporting, credit repair services, or other personal consumer reports

Received an alert that a credit inquiry was placed on my XXXX credit report. XXXX told me to contact the company. XXXX the company & called the numbers that I found through the google search but none of them were for the agency on my credit report. Ive never heard of this company & did not authorize a credit pull.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the removal of inaccurate information from my credit report related to the account with your institution. I have previously contacted you regarding this matter and have been waiting for over 100 days without any change or validation of the inaccuracies. 

The account in question is listed with the following details : Account Name : XXXX XXXX XXXX Last Reported : XX/XX/XXXX Reported Balance : {$2100.00} Credit Limit : {$2000.00} Status : Closed Worst Payment Status : No Info Remarks : Consumer disputes after resolution, Charged off account, Account closed by credit grantor Violations and Errors : Incorrect Balance Information : The reported balance of {$2100.00} exceeds the credit limit of {$2000.00}, indicating a usage of XXXX XXXX. This discrepancy suggests errors in the reported balance, as no additional fees or interest should have caused the balance to exceed the original limit after account closure. 

Account Closure Date : The account was closed by the credit grantor on XX/XX/XXXX. However, the balance and payment status are inaccurately reported as if the account is still active, with the last payment noted on XX/XX/XXXX. 

Dispute Status : The account is marked with " Consumer disputes after resolution, '' yet the dispute remains unresolved from my perspective. I have contacted your office previously but have not received a satisfactory resolution. 

Payment History : The payment history shows that XXXX XXXX of payments were made on time. However, the detailed history does not align with this percentage and appears inconsistent. 

Under the Fair Credit Reporting Act ( FCRA ), you are required to correct or remove inaccurate, incomplete, or unverifiable information from my credit report within 30 days. Given the extended period of over 100 days without resolution, I request immediate action to remove or correct the inaccuracies related to this account. 

Please be advised that each violation of the FCRA carries a penalty of {$1000.00}. I expect these errors to be corrected immediately to avoid further action. I have already sent copies of my report in multiple accounts that has not been closed out yet. 

Thank you for your attention to this urgent matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans Union release my consumer report without permissible purpose. Creating hard inquiries on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Delete this account. 
2. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report.
Product: Consumer Loan

I renewed the loan and the employee made an error and now I am being harassed by the company stating that I have XXXX loans which I was never told about until I stated receiving calls and threats. The vice president stated that if I do not pay due to their employees error that it will negatively affect my credit. I have the paperwork that states that my loan was paid out due to renewal.
Product: Debt collection

Spire RecoverySolution has sent me a letter stating being a debt collector from XXXX XXXX XXXX payday loan owened by Buyers Holding which I have not clue who Buyers Holdings are. Reference number : XXXX in addition this debt collector has been harassing by calling my wife saying they were IRS and calling my close family member through their cell phone my brother, Sister-in-law, Father and Mom which I don't live with any of my family member. I need this debt collection to stop calling me and other family member about this debt. their phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for an apartment yesterday and was declined, because XXXX XXXX had incorrect information about my rental history. ( They received this inaccurate information from XXXX. ) The information stated that I had an outstanding balance with XXXX with whom I had a lease in XXXX. I called XXXX today ( XX/XX/XXXX ) and confirmed that there was no outstanding balance.
Product: Student loan

I graduated at XXXX XXXX XXXX in XXXX 10 years ago, with the promise to get a job as a chef. After 10 years still hard to find a good job in XXXX to pay my expenses. 
Because of that XXXX XXXX XXXX received a lot of lawsuits and they are closing the doors this year. 
I call XXXX XXXX ( Navient ) to help me in 2016 because I was receiving unemployment and they are very hard to deal with. I offer {$50.00} a month and they said the minimun was {$250.00}. 
I will keep paying the Federal Loan but I will stop to pay Navient. 
After 10 years my principal came down from XXXX to XXXX only! it is pathetic, a trap, this loan never ends!
Product: Debt collection

XX/XX/XXXX I was served a summons from XXXX XXXX XXXX regarding an alleged debt that they claim I owe. The summons included a mailing address to the companys attorney as shown in the attachment. On XX/XX/XXXX I initially mailed their attorney a cease and desist notice certified mail with green receipt # XXXX as shown in the attachment stating that they had 15 days to fulfill my demands. A consumer has the right to cease and desist pursuant 15 USC 1692c ( c ). According to this subsection, once the notice from the consumer is made by mail, notification shall be complete upon receipt. Ignoring my cease and desist is a violation of 15 USC 1692c ( c ) and this is evidence that the companys infringement has been willful. Not receiving a response from the company is a violation of my rights as a consumer to cease and desist. I followed up by sending another cease and desist notice to XXXX XXXX XXXX on XX/XX/XXXX by certified mail with green receipt # XXXX as shown in the attachment and it was received on XX/XX/XXXX. I am notifying you in writing through this CFPB complaint that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me through any and all mediums. My consumer report is a medium through which they are communicating negatively to the detriment of my consumer report and reputation. Pursuant to 15 USC 1692c ( c ) ( 2 ) - I am invoking my specified remedy as a consumer, and as the original creditor I am demanding all of the following : XXXX  out the balance on this account, stop all illegal negative reporting of this alleged debt to all consumer reporting agencies, and send an AUDIT TRAIL for this alleged debt that can include an ( entire file on me XXXX XXXX, all documentary evidence on me ( includes all documents, papers, correspondence, books of account, and financial and corporate records ) Audit Trail credit application ). 

This is my second cease and desist letter to XXXX XXXX XXXX. I am well aware of my rights and know that any further contact by this company, except a communication confirming acknowledgement of this letter, is in violation of the FDCPA. a response from your company you are violating my rights as a consumer to cease and desist. To ensure compliance with this letter and complaint, you are advised to send written reply stating, confirming and complying with the demands of this cease and desist as well as a response to this complaint complying with the demands of this cease and desist. Failure to do so will act as further evidence of your infringement up XXXX XXXX consumer and legal rights. I will immediately undertake legal actions in order to protect my rights.
Product: Credit reporting or other personal consumer reports

UPON MEREVIEWING MY CREDIT REPORTS I NOTICED SEVERAL ACCOUNTS THAT ARE APPEARING ON MY XXXX REPORTS THAT, WERE OPENED WITHOUT MY KNOWLEDGE.
Product: Debt collection

Dear Consumer Financial Protection Bureau, This is my second formal dispute regarding inaccurate and fraudulent information on my credit report resulting from identity theft. Despite my previous effortsincluding submitting an FTC Identity Theft Report, a police report, and placing fraud alertsthe disputed accounts remain on my report.

Under the Fair Credit Reporting Act ( FCRA ), I have the right to have any unverifiable or inaccurate information removed. The accounts in question, listed below, were fraudulently opened and do not belong to me : XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$440.00} DEPT OF ED - XX/XX/XXXX {$2200.00} DEPT OF ED - XX/XX/XXXX {$3700.00} DEPT OF ED - XX/XX/XXXX {$1000.00} DEPT OF ED - XX/XX/XXXX {$1800.00} I have already contacted the credit reporting agencies and the collection agencies involved, but the issue remains unresolved. I am requesting your assistance to ensure these accounts are properly investigated and removed from my credit report if they can not be verified.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Mortgage

Our HELOC has been approved a loan modification in XX/XX/2022 due to COVID-related hardship. We signed the DEED OF TRUST already with the notary public that they sent to our house. On the day of signing, the notary public also captured our fingerprints. And we have been paying the amount on time according to the official legal deed that we signed. 

However, lately we've received letters of default from them. After reaching out and speaking to numerous agents over the phone, the research they conducted has found that they had made a mistake, and now they wanted us to sign another document to correct their mistakes and refused to acknowledge the deed that we signed and promptly removed us from collection and other default proceedings. 

We refused to sign another document because we had already signed and we had followed all their proper procedures to apply, submit paperwork and review process, and signed a legal document that they had finalized for the day of signing and witnessed by the notary public that they sent to our house. More importantly, it clearly states on the deed that it is a loan modification agreement providing the fixed rate, and it also has the breakdown of the monthly payment and number of payments. And we have been paying according to the terms and conditions on the deed for more than 6 months now. 

We escalated the issues to the Servicing Executive Officer or Servicing Escalation Specialist. She basically just wanted us to sign another document to correct their errors and continued to re-route us into cycles saying that we have reached the highest level of escalation with the executive office.

We don't think this is a right practice and it's totally unprofessional. It's totally wrong. How can we trust them they won't come back to us again in the future and ask us to sign again because of the other errors they made! 

Therefore, we are writing to seek help and advice on how we should proceed this. 

Thanks so much for your assistance.
Product: Payday loan, title loan, or personal loan

On XXXX XXXX, XXXX a payoff posted to my account in the amount of XXXX from XXXX XXXX from the trade of the XXXX XXXX. That was the payoff amount that I received from the system. The account was closed as well. For some reason I decided to login my account and say that it had been reopened with a balance of XXXX due on XXXX XXXX, XXXX. Lets keep in mind that I do n't have this vehicle anymore and it was paid off because I received another vehicle. 

I called in about a week ago and in the notes they put that payment was applied incorrectly and that it was reapplied. Then something was noted about a returned payment from XXXX months ago. I do n't know how that is possible. What I do know is that no extra money had been put in my bank account and no payment was returned. In addition, XXXX XXXX Sent me a refund of about XXXX on a refund card that I received in the mail the weekend of XXXX XXXX. 

I need this rectified immediately.
Product: Credit reporting or other personal consumer reports

Please get rid of these inquiries. I am unaware of this, and the company did it without my authorization.
Product: Credit reporting or other personal consumer reports

TransUnion not allowing me to unfreeze credit. I called and they can't and their website has been down all day for unfreezing
Product: Debt collection

I was behind on all of my bills and needed to fix my credit card issue. I had recently moved into a new home and things needed to be done, one of those things was a fence for my yard because my dog ran out and got hit by a car and XXXX. So I contacted XXXX XXXX XXXX for help, I thought finally I can rest because I thought they were going to handle everything,They first told me to STOP making my payments and change my address and phone number to theirs, So that is what I did and this eventually wound up to XXXX sending all of the info to XXXX XXXX XXXX and I didnt know anything about it and I thought it was being handles until I was served with lawsuit papers. I even called XXXX and asked that they place this account ahead of my other accounts and they told me they would need $XXXX more, So thats what I gave them in addition to my regular payment so they can get this resolved. Needless to say they never resolved it and it got turned over to a law firm named Zwicker and associates. I made payment plans with them That were automatically taken out of $XXXX bi-weekly. I was never told that I had to contact them again to set up more payments. I thought this was already taken care of as I set this up with Zwicker for an auto deduction, I looked online at the XXXX XXXX   court records yesterday XX/XX/18 and found that they were placing a lien on my bank account and never notified me by phone or mail that I had to set up payments again or that they were placing a lien on my account.I called and tried to get back on a payment plan and they advised me that I could not do this until I had $XXXX for them to even consider taking the lien off.
Product: Credit reporting or other personal consumer reports

I recently received my credit report and noticed an an account that was not reporting accurately. I had late payments that I was in fact paid on time the consumer report agencies need to report all information with complete accuracy. This account has not been late on payments I have attached a copy of to this complaint on the following dates XX/XX/year> I am now request you investigate and provide verifiable proof with record showing that I had late. If this information can not be verified I request these payments be updated to paid on time immediately as this is affecting my credit, and I have always been on time.Thank you for your understanding and prompt actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry alert from Experian regarding and a fraudulent inquiry submitted on XX/XX/2021. I disputed the inquiry and advised that I did not request a application from XXXX. I contacted XXXX and they agreed to remove the inquiry and cancel the application. 

The inquiry has not been removed.
Product: Debt collection

I set up internet service with XXXX XXXX XXXX and they shipped me some wires in the mail to connect to a modem in order for me to have internet. When I talked with the sales consultant on the phone they did not inform me that I would have to purchase my own modem. The same day that the package from XXXX XXXX XXXX arrived I opened it and realized that I could not connect the internet and use it because I did not have a modem. I promptly called XXXX XXXX XXXX to tell them not to connect my service because I didn't have a modem and didn't want to buy one. They said ok, my service setup was cancelled and I would not receive a bill. Now I received 2 bills for XXXX . I have called XXXX XXXX XXXX numerous times and each time I speak with someone they tell me that the account will be adjusted to reflect the cancellation of service setup and I wont owe that money. Well this hasn't happened, despite me calling 3 different times and speaking to 3 different people! I have been referred to a collection agency called Diversified Consultants,  Inc. My Account number there is XXXX. # XXXX. I am very frustrated as this agency will not work with me. I don't know what to do, or how to actually speak with a person at XXXX XXXX XXXX who will resolve this for me. Please help and tell me what to do to resolve this or act on my behalf. Thank you for your time in reviewing my complaint.
Product: Credit reporting or other personal consumer reports

I believed the economy was in a downturn, but upon reviewing my credit report, it's evident that my situation is far worse. The report is riddled with inaccuracies that are causing me XXXX  XXXX. I'm determined to assert my consumer rights, but it's disheartening to navigate this ordeal, especially knowing I can't even afford to see a XXXX  due to the low XXXX XXXX caused by these errors which is making me XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint a month ago, i have been trying to get an account fixed for months. The company sent me a letter of deletion which i have forwarded to Experian twice, once as a dispute and once on here. They removed the account at that time or so i thought. I have been trying to buy a home and this account showed back up on my report. So either Experian didn't remove it or did then put it back on. This has been months trying to get this fixed