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

I have two student loan accounts open with Fed Loan Servicing in XXXX, PA. The problem at hand occurred in XX/XX/XXXX - XX/XX/XXXX. I had graduated from my university and no longer had access to my .XXXX  email account. For some reason, Fed Loan Servicing was only sending my bill to the .XXXX  email address, even though they had my mailing address AND personal email address on file. I didn't notice until XXXX of XXXX that my account was overdue and marked delinquent from no payments from XX/XX/XXXX until XX/XX/XXXX, for 2 accounts, which would equal 16 late payments in total. Upon contacting Fed Loan Servicing, they provided me no resolution and told me nothing could be done except for me paying the overdue accounts, which I did immediately. This practice is extremely unfair and has brought down my credit score significantly, for a problem with this Federal Servicing agency, that is taking advantage of students by not communicating or providing notification through the proper channels for payment and billing. The fact that it took me 6 months to realize my account was overdue by pulling my credit is very alarming. I could only imagine how many others have faced similar problems with this agency. I have started formal disputes with credit score agencies as well, but have received no resolution on these matter as my credit still stands and these late payments will tarnish my credit score for long-term and prevent me from buying a home. I am not receiving and help or solutions from this Federal Loan Servicing department, nor the major credit unions on my dispute to get my credit score fixed so i can move forward. I could even pay off all the accounts in full today, so it's unfortunate that I have to suffer because of a systemic issue of this Federal student loan agency from years ago that made a big mistake and refuses to take the action necessary to make it right for someone to move on in their future and purchase a home.
Product: Credit reporting or other personal consumer reports

I am writing to follow up my previous dispute regarding with the late payment entries on my credit report that appears to be incorrect.
Product: Payday loan, title loan, or personal loan

I 've been trying for weeks to understand how many payments I have left to payoff my loan. No one has been able to provide a response. They 're representatives all give the same response about not being able to calculate this due to daily interest charges. It almost seems like my loan has no end date unless I pay in full all at once and I do n't have the money to do so. Also, payments made whether by debit card or bank account are n't credited to your account until days later making you accrue more interest.
Product: Consumer Loan

I took out a title loan with Loan Mart in XXXX on XXXX/XXXX/14. I paid approximately {$360.00} per month on a {$3700.00} loan amount. I made 16 payments and finally got in a position to pay them off. I made them an offer of {$3000.00} and they agreed to take it. They drew up a contract whereby they accepted this as payment in full. I signed, they signed, and I made the payment. a few weeks late they recorded a " charge off '' on my credit report. My credit score dropped almost XXXX points!! No where on the settlement contract did they indicate they would record a charge-off. If it had, I would n't have done it! I have called numerous times and they will not give me the time of day.
Product: Credit card or prepaid card

I am currently dealing with a dispute with discover. I filed a dispute with them on XX/XX/XXXX and froze my card. I was advised that my credit card would not be charged again by the gym, but it was charged again
Product: Debt collection

I'm receiving multiple calls a day must of them are robot calling, for which I didn't agree. 
Yesterday I called the institution to request a cease to the phone calls and request to be contacted only by text. Which the representative reply they couldn't process the request because it wasn't made in writing. In two days I had over 8 messages in my voicemail, considerated as harassment in an attempt to collect a debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was also impacted by the Equifax data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX said too any delqieuncy on credit but I did that credit check and there no delinquency. Not only that they block my card so I be forced to call so people hacked me more losing XXXX dollars. I don't have have any delquencey they made .e go to someone else to ask for a loan which put a hard inquiry on it. I want all the knquirys o have with yall in the last 8 months removed. 
Basically when I walked in another person who hacked my account drove tot he front desk and told them not to let me have anything and they said they applied for .u personally loan at bank but o check it there no inquires so I did it again. The day after they said delinquency I checked my credit report another 3 months after that are no missing payment. Then they lied trying to obtain more information about me so these XXXX XXXX XXXX  get my identity info and pass it to there XXXX  and friends.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to file a formal complaint regarding multiple requests to correct late open accounts on my credit report, which have caused me significant frustration and concern. My name is XXXX XXXX, and I take my financial responsibilities seriously. 

Upon reviewing my credit report from Credit Bureaus, I have discovered several instances where open accounts are listed as late or delinquent, which are inaccurate and damaging to my creditworthiness. The credit report shows that several accounts were opened at a later date than they were actually initiated. This incorrect information implies that I have been responsible for late payments on these accounts, which is not the case. 

Negative Impact : These inaccuracies have had a detrimental effect on my credit score, making it more difficult for me to access credit and achieve my financial goals. I have always made timely payments on my accounts, and these inaccuracies do not reflect my credit history accurately. 

Frustrating Discrepancies : I have made multiple requests to correct these inaccuracies with 3 Credit Bureaus, but the corrections have not been reflected on my credit report despite assurances that they would be updated promptly. 

I understand the importance of having an accurate credit report, as it is a critical factor in determining my financial well-being. These inaccuracies have caused me undue stress and frustration, and I believe it is essential to address them promptly. 

I kindly request that the 3 Credit Bureaus take immediate action to investigate and rectify these issues on my credit report. They have to correct the inaccurate reporting of late open accounts to reflect the correct opening dates, update my credit report to accurately reflect my payment history and creditworthiness and provide me with a revised and accurate credit report as soon as possible, showing the necessary corrections. I have attached copies of my credit report highlighting the inaccuracies for your reference. 

I trust that Credit Bureaus will take the necessary steps to rectify this situation promptly. Please keep me informed of the progress of your investigation and any actions taken to resolve these issues. Specifically, I request the following late open accounts to be corrected right away : XXXX XXXX XXXX Balance : {$97000.00} XXXX XXXXXXXX Balance : {$3100.00} XXXX XXXXXXXX Balance : {$2900.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax had a security breach and my information is believed to be compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the two Collection Agency and the accounts have be paid in full. Please remove XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). The following names are on my XXXX report and I have disputed them and they have not removed it from my report. I have not used any of these names and I need it to be removed from my report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Under the U.S.C 1681 section 602A, states that I have right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an auto loan with PNC Bank. I closed the loan in XXXX of 2021. 

As of XX/XX/2021, they updated my credit reports with late payments. 

I do not know why this account would be updating my report after they are closed. 

This hurt my report and I am looking to buy a home.
Product: Student loan

I was with XXXX. I received paperwork claiming my payments were being applied towards my student loan forgiveness. I have documents showing I have seven years of credit towards the loan forgiveness. Then I was told I had been moved to my XXXX. My XXXX says navient had me in the wrong payment plan and now those seven years do n't count towards the 10 years of payments I have to make to get my public loan forgiveness. This will cost me roughly XXXX in additional payments. 
XXXX also handled my loan consolidation after I graduated. They insisted I had to consolidate into XXXX loans not XXXX. Now XXXX, also a Sallie Mae division, says it should have been XXXX but it 's too late now to fix it. That error will cost me another roughly {$6500.00} in interest.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a child support account opened at Chapter XXXX Bankruptcy on XX/XX/XXXX under the account number XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have proof from social security admin saying I had a rep payee from XX/XX/XXXX to XX/XX/XXXX and there are a lot of neg accounts on my credit report that were never paid by these payees and unapproved hard inquiries on my credit reports and I feel these payees trying to get credit in my name and TransUnion XXXX and XXXX  won't take proof from SSA saying I need to file a police report on paying not paying bills and the police department says its a civil matter
Product: Checking or savings account

I opted for overdraft protection with my financial institution Regions Bank, and elected to use my savings account as backup in the event of overdraft. Now I have my payroll check direct deposited so they are assured funds will be coming to them. However, it keeps happening where they are charging me a fee of {$36.00} for each transaction, which are mostly for lesser amounts than their fee. And just recently I was charged a whomping {$100.00} on the same day my deposit landed. I have tried speaking with the bank about this issue because its costing me an excessive amount of extra money that I just don't have to give away. I implore someone to help me with resolving this matter and helping me with avoiding the loss of so much money by means of what I feel is a very unfair practice.
Product: Mortgage

I purchased my home on XXXX XXXX through XXXX XXXX  in XXXX XXXX. I fully funded as a part of closing my escrow account to cover property taxes for 2019, which were approximately {$9000.00}. XXXX XXXX  paid these property taxes. Shortly after the sale, XXXX XXXX  sold my mortgage to Freedom Mortgage, based in New Jersey. Freedom Mortgage then proceeded to also pay my property taxes, in effect paying my 2019 property taxes twice. Freedom mortgage, without informing me, then increased my monthly mortgage payment from around {$2800.00} a month, to {$3600.00} per month to cover what they said was an unexpected deficit in my escrow account. Theyve admitted to me that this deficit is due to the mistake they made in double paying my mortgage, but have been unwilling to lower my mortgage payment to the regular level until they recoup their overpayment from XXXX XXXX county. I believe I am being taken advantage of. They made the mistake, yet I am having to pay an additional {$750.00} per month because of a mistake they made. I want to know what my rights are and if theyve violated the law, I would like financial penalties imposed on them to compensate me for the time, stress, and worry this has caused me, not to mention a much higher payment which has put tremendous strain on my finances during the Covid 19 crisis.
Product: Credit reporting or other personal consumer reports

I recently looked at my credit report from EQUIFAX on XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. I also attached the evidence. 

XXXX. XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of XXXX XXXX XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXX XXXX XXXX XX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of USC 1681B
Product: Checking or savings account

I want my account closed but as requested on or before XX/XX/22 but they have refused to acknowledge my request.
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally address concerns regarding Experian and XXXX 's reporting practices related to my credit history. I have submitted multiple disputes to Experian regarding the presence of XXXX on my credit report, citing the 7-year reporting guideline, effective from XX/XX/XXXX. In XXXX, I obtained a mortgage with XXXX, and in XXXX, I pursued a loan modification due to a loss of income in XXXX. XXXX indicated that my loan needed to be delinquent before my mortgage could be modified. According to the provided documentation, my payment summary reflects a 90-day delinquency on my account with XXXX as XXXX XX/XX/XXXX. The mortgage was paid in full in XX/XX/XXXX, with prior notification to XXXX regarding the timing of this payment. Experian 's correspondence indicates that XXXX 's records confirm the loan was fully paid on XX/XX/XXXX, and denote no wrongdoing. However, it has been communicated that the loan modification is the basis for Experian 's refusal to delete the late payment records. While XXXX 's information regarding the fullness of the mortgage payment is accurate, it is noted that the 7-year rule requires consideration of the first date of delinquency, not merely the final payment date, before any deletion. Attached is a copy of the loan modification agreement, which does not state that this agreement supersedes the 7-year compliance rule. The current reporting has implications for my mortgage interest rate and my ability to secure favorable rates for another vehicle purchase. I request that you review the attached documents and ensure compliance from XXXX and Experian with the 7-year reporting rule specified in Illinois. Should compliance not be observed, further action may be pursued. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX Experian website has a 7-day rule, and it has for debts the original delinquency date, not the last paid in full date. 

How to Calculate When Late Payments Will Be Deleted Late payments, also called delinquencies, are deleted seven years from the debt 's original delinquency date, after which it is never again current. 
That means if you have a 30-day late payment reported and then bring the account current the next month, the late fee will fall off seven years from when it was reported. 


When Does the 7-Year Rule Begin For Delinquent Accounts? - Experian
Product: Debt collection

Credit Solutions LLC is attempting to collect a debt that was paid by my insurance and continues to report false information to the credit bureaus. The debt was error by XXXX and no amount was ever owed by me personally. Credit Solutions is aware of the false reporting yet continues to report it. I have suffered financial damages as a result of their false reporting.
Product: Debt collection

Credence resource management listed a debt collection of {$450.00} on my credit report. I had never been contacted by them by either mail or phone, I did not know I owed anything to them. They also have my name wrong. I called them yesterday requesting verification of the debt that I apparently owed XXXX ( now owned by XXXX ), I have never had a XXXX XXXX credence representative refused to send me proof of debt.
Product: Credit card or prepaid card

Checked my credit score through my primary bank ( XXXX ) on XX/XX/XXXX. Discovered that XXXX XXXX XXXX XXXX negatively affected by a credit card under SYNCB/PPC having created a {$3400.00} charges to a credit card I had not opened. 

On XX/XX/XXXX. I contacted the XXXX number provided by XXXX that connected me to XXXX and XXXX bank where I confirmed my identity and confirmed that the credit card was created fraudulently. I was eventually connected to the fraud department at SYNCB/PPC who said they had now closed the account while they investigate the matter. 

It appears that the credit account was created in XXXX of XXXX and had not been used until recently so I hadn't noticed any effect on my credit rating nor received any communication about the account 's creation. 

I do not recall giving any of my information out online to any disreputable source however my SSN is required to be submitted to employers and other accounting services when I send invoices. I plan to check if my information has been acquired through any data leaks or service hacks. 

I am planning on reporting the problem the the major FICO companies and issuing a fraud alert on my credit. If any problem persists then I may freeze my credit.
Product: Debt collection

XX/XX/XXXX Clearone Advantage Debt Settlement Company Around XX/XX/XXXX ( agreement later signed XX/XX/XXXX ), I was contacted by Clearone Advantage regarding a debt settlement offer. I was having problems due to many challenges largely due to taking care of my Dad ( passed away in XXXX. From the start of the relationship with Clearone, I was advised the company has the best negotiators to help resolve all debts and get a brand new start on my credit within 2 years. Also since Clearone would be entering the negotiations on my behalf, they would get a reduce principal amount from each creditor. I was instructed not to contact my creditors and if the creditors contact me to not speak to them under any circumstances as it would hamper the negotiations. The company has indicated to stop making payments on my credit cards. The company was collecting approximately {$600.00} from my bank account along with other fees. 

In XXXX, I received approximately 5 lawsuits from my various creditors for non-payment. ClearOne did nothing to help me and after speaking to a Senior leader at the company, they indicated certain debts were not being negotiated. I had to immediately respond to all lawsuits and in some cases settle outside of court with the creditors. I wrote a complaint letter to the senior team of ClearOne but nothing happened ( see letter attached ). 

As of this present day, largely my accounts are charged off. I had to resolve the lawsuits as best I could without an Attorney and negotiating with the creditors ' Attorneys. 

Further because of ClearOnes instructions to me to stop paying my accounts, it has had a : 1 ) Detrimental impact to my credit score 2 ) Has impacting my ability to get employment because employer run a background check as part of the employment process. The delinquent accounts are showing. 
3 ) Multiple charge offs are listed on my accounts 4 ) Search engines have picked up the lawsuits when searching my name. I had to pay {$4000.00} to a reputation company to remove my name from databases. Also I have had to work with XXXX XXXX and XXXX to see if my name can be redacted from search engine databases. This also has impacted my brand and reputation. 

XXXX  Complaints : ClearOne Advantage XXXX XXXX XXXXXXXX
Product: Credit card

My bank, XXXX, sent back several credit card payments in the XXXX of XX/XX/2023. I had money in my bank account to cover the, but XXXX kept reporting and charging me overdraft fees and sending payments back when there were deposits processing that would of meant my balance was more than high enough to cover the out going ACHs. I tried to have Capital One remove the 30 day late from my credit report and they told me no. I submitted disputes through my credit reports, and they were also sent back with no resolution. I've had my Capital One card for over five years and have never missed or been late on a payment.
Product: Debt collection

Calling via robocall, which I never approved or authorized and calling during hours they aren't allowed to call.