23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had two credit cards with the company named XXXX. One was a secured card with a credit limit of XXXX XXXX, and the other one was an unsecured card with a credit limit of XXXXXXXX XXXX. Due to some personal situation, I had to quit my job. While waiting for some funds to be deposited into my bank account within 60 days from my resignation date, I was not able to make my payments on time. But as soon as I received the funds I made full payment on both of the credit cards. One of the XXXX representatives lied to me by saying that my account was still open and that as soon as the payment got reflected on both of my accounts I was going to have my credit available. Later I realized that was not true because both accounts were closed by the company ( XXXX ). The problem I am having is that even though I made my payment in full for both accounts more than 30 days ago the company XXXX is still reporting wrong information to the credit bureau when both of my credit cards have been paid in full and as I said, both credit cards account have been closed by XXXX. This bad reporting is affecting my credit report, my XXXX XXXX has dropped XXXX points because of this bad report from XXXX. My last payment to satisfy the unsecured credit card account in full, payment was made on XX/XX/XXXX for {$12.00}. But previous to this date I made another payment on the unsecured credit card for the amount of {$950.00} on XX/XX/2023. Also on XX/XX/2023, I made a payment of {$190.00} to satisfy the secured card account in full. I do not understand why the XXXX company is continuing to report accounts that have been paid in full by me ( the former account owner ) and closed by the credit card company " XXXX ''. Please help. I have been working so hard to pay all my debts and to improve my credit score for things like this to happen. I made these payments using my XXXX Checking or Saving Account.
Product: Credit reporting or other personal consumer reports

I notice the following inquires in my credit reports which i did not authorize : XXXX  on XX/XX/XXXX XXXX XXXX  on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

this company is reporting inaccurate information on my background report that's causing me grief and financial hardship. this is defamation of character and is causing me XXXX  XXXX from these citations being reported not being removed from background report that's still reporting after I gave proof of affidavit and police report from identity theft and they still remains.
Product: Debt collection

Step 1 : What is this complaint about? A debt collection company called Wakefield and Associates in Colorado, is illegally reporting to credit bureau 's of old debts of mine originally purchased back in XXXX, stating that these collection accounts were opened in XXXX and XXXX when inquiries were sent to them as a result of me paying credit repair companies such as XXXX XXXX and XXXX to send them letters on my behalf. 

Step 2 : What type of problem are you having? My credit is in very poor condition as a result of the unlawful reporting of Wakefield and Associates.

Step 3 : What happened? I defaulted on Medical bills that were then purchased by a debt collection agency back in XXXX called Wakefield and Associates. There has never been a payment made toward any of these negative accounts which should have resulted in a charge off or the accounts being closed. They continue to falsely report dates these debts were purchased, as well as what I believe to be not only incorrect amounts, but also duplicate accounts as well. According to the Fair Credit Reporting Act, " Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. '' In addition, the FCRA also states : " Consumer reporting agencies MUST correct or DELETE INACCURATE, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information MUST BE removed or corrected within 30 DAYS. However, a consumer reporting agency may continue to report information it has verified as accurate. '' The FCRA also says that, " You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. '' That is exactly what they have done because the inquiry letters sent to Wakefield and Associates from XXXX XXXX   and XXXX does not entitle Wakefield and Associates to begin the collection process all the way over beginning in XXXX and XXXX due to inquiries by a 3rd party credit repair company, when they originally purchased those debts from XXXX XXXX  XXXX XXXX and XXXX XXXX  XXXX back in XXXX. This is outdated negative information that is well over 7 years old, and is now being illegally and inaccurately reported and needs to be deleted and removed immediately.

Step 4 : What company is this complaint about? Wakefield and Associates in Colorado.

Step 5 : Who are the people involved? Wakefield and Associates, XXXX XXXX XXXX XXXX, the 3 major credit reporting bureaus, XXXX, XXXX, XXXX, and of course myself.
Product: Vehicle loan or lease

Ive tender payment also sent all necessary tax form for the account to be paid in full. I never got a response to the matter after affidavit has been faxed and sent by mail.
Product: Mortgage

My husband and I filed Chapter XXXX in XXXX 2013. We did NOT include our mortgage, however, Bank of America has reported on our credit report that our mortgage was surrendered in a bankruptcy. This is a bold face lie. We continue to pay our mortgage regularly and on time to Bank of America, yet they will not remove this lie from our credit report. Also, they have not been reporting our ON TIME payments to the credit reporting agencies. This has been ongoing for almost TWO years. What can we do to force Bank of America to correct this injustice?
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting in correct information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

They recently used credit card utilization to diminish my score and have in the past, also removing and adding a derogatory remark multiple times and then I was forced to call this company and pay them half of the balance to stop reporting it even after claiming this wasnt my account this was XXXX XXXX, and equifax they locked my account and caused multiple hard inquiries on my report after trying for a mortgage I I asked why my account was locked they said I requested it and when I said that I didnt and asked for proof and dates of me doing this and they couldnt give it to me, multiple times I tried to contact them I gave them all my information including new information about my loans and still couldnt verify my identity even though I gave them enough information to steal my identity, so I was forced to mail in paperwork, I cant stand talking to either bureaus because they dont even speak XXXX Im over this already Ive been trying for months to get a mortgage so I can put my family in a house but Im constantly battling these discriminating CD bureaus that make it impossible to get something in life. I was almost to a 700 score before all this happened its like I peaked out on there acceptance for a score ( it has to be so low ) so they had to figure out a way to knock me down. If u ask me what the downfall is in life its having to deal with the credit bureaus and knowing that Im going to be stuck renting a house for XXXX bucks a month to put my XXXX XXXX in instead of paying a XXXX XXXX dollar mortgage and do it the right way but no I have to be a XXXX for them and never get anywhere In life or own anything. I watch them like a hawk and Ill be the first one to tell you how corrupt they are its sickening
Product: Debt collection

XXXX XXXX XXXX XXXX bought the dental office from my previous dentist XXXX XXXX who passed away. Dentist XXXX completed dental work back in XXXX and XXXX. When the work was completed I asked dentist XXXX 's office if I owed any money? I was told no your insurance covers it. I never received one bill. After XXXX XXXX XXXX purchased the office I began receiving bills from a collection agency by the name of XXXX XXXX XXXX. United Legal Group stated I owed {$2100.00} and began threating to ruin my credit when I informed them I did not owe any money. These calls were relentless. I am elderly and XXXX  so I had my niece XXXX XXXX call my dental insurance XXXX XXXX. XXXX was informed that XXXX XXXX XXXX XXXX had been denied payment due to the statues of limitation. XXXX never did the work it was dentist XXXX who completed the dental work. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX knows they have one year to submit claims and if they do not submit the claim with in that year they have to take the loss. And they can not come after the patient for it. XXXX called XXXX XXXX XXXX and spoke with XXXX and explained what XXXX XXXX informed her. XXXX insisted that I still owed the money. XXXX sent a certified letter to XXXX XXXX XXXX. This letter laid out dates of office visits with XXXX XXXX ( my previous dentist ), claim numbers that XXXX sent to XXXX XXXX XXXX for payment ( for the work dentist XXXX completed back in XXXX and XXXX ) and reason 's why those claims were denied. This information was obtained by XXXX from XXXX XXXX XXXX. XXXX also sent a certified letter to United Legal Group to cease and desist. XXXX XXXX XXXX XXXX XXXX if the harassment would not stop we would take the necessary steps needed to stop them. Which was to record any future phone calls, notify the appropriate agencies of the violation of the FDCPA and file a complaint with the Federal trade Commission and the local Attorney General 's Office. They totally ignored the letter. I continued to receive calls. The last call I received from United Legal Group I asked them to speak with XXXX. XXXX spoke with a woman from United Legal Group and informed this woman that she was being recorded. The woman quickly hung up on XXXX. In XXXX I receive a letter from XXXX the XXXX XXXX XXXX explaining that this debt is showing up on my credit report for {$2100.00}. I am elderly and XXXX and would appreciate your assistance in this matter.
Product: Payday loan, title loan, personal loan, or advance loan

Santander charges a ridiculous 10 % late fee. This is predatory and is preventing me from paying off the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please update all of my personal information on XXXX  and Experian to XXXX XXXX XXXX XXXX XXXX, Oh XXXX
Product: Money transfer, virtual currency, or money service

My Venmo account has been suspended for over a month and requesting to un-suspend it, they do not respond. They are currently holding approximately {$5000.00} of my business, XXXX XXXX. Please help me on getting this account active again or at a minimum retrieve the balance in the accounts! Thank you again.
Product: Vehicle loan or lease

I sold my car on XX/XX/XXXX. A Cashiers Check # XXXX was issued to TD Auto Finance on XX/XX/XXXX in the amount of {$12000.00}. Later, I received a bill from TD Auto Finance and I noticed the payment had not been posted. So, I called my bank and found out that the Debit to the Cashier Check had not cleared and I was informed by them that it was most likely lost in the mail because it was over a month it had been sent to TD Auto Finacne. I called TD Auto Finance and sent them over the bank credit copy of the cashier check that was issued to them on XX/XX/XXXX and we both agreed it must have gotten lost in the mail. I spose with XXXX XXXX a manager there and he said they would honor the payoff if I faxed over all the information for him to see. ( Bank Credit Copy that was issued to them on XX/XX/XXXX, Stop Payment of Cashiers Check and Reissued Cashiers Check ) I did do that and have all the documentation to prove it. Today, XX/XX/XXXX I received a bill from TD Auto Finance for {$59.00} that included a late charge. When I called I was on hold for 30 minutes before a representative said I had called the wrong number she could not help me any further. So, I called the number she gave me and it was the number to the Charge Off Department which my loan is absolutely NOT charged off so they told me I had called back the department I previously called. Once I called again I was transfer again and then transferred again to a manager who I either became disconnected with or was hung up on. ( I will go with the positive and hope I was just disconnected ). After that I called back and just paid the {$59.00} because I was not spending anymore of my time on he phone with no one that could help me. I just fee that I was lied to as a consumer by being told they would honor my payoff when they ended up charging me a late fee and additional interest. I have not checked my credit report as of yet but I'm sure this late payment will reflect negatively on my report and I feel as though this is not my fault because I contacted the company and sent them all information they asked for. Thank you for your time in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fair Credit Reporting Act Request under 611 ( a ) ( 7 ), TRANSUNION failed to provide Method of Verification for the item listed below within the time set forth by law, .... 
XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX ; XXXX XXXX XXXX XXXX  Open Date XX/XX/XXXX Balance {$1500.00} ; XXXX XXXX XXXX Date Assigned XX/XX/XXXX Balance {$630.00}
Product: Credit card

I was notified via my bank ( XXXX ) that Capitol One executed a credit inquiry on my behalf. I have never applied for a credit card through Capitol One.
Product: Credit reporting or other personal consumer reports

NORSTROM IS MISTAKENLY ASSESSING ME LATE ON MY CREDIT REPORTING. I ATTACHED PROOF OF MY XXXX 2024 PAYMENT. THEREAFTER, I ESTABLISHED AN ADJUSTED REPAYMENT PLAN IN XXXX 2024 IN WHICH THE NORDSTROM REPRESENTATIVE INFORMED ME THAT MY ACCOUNT WAS SATISFACTORY. PLEASE RECTIFY ALL LATE PAYMENTS ASSOCIATED TO THIS ACCOUNT PLEASE.
Product: Mortgage

I received an intent to foreclose from Specialized Loans stating I owe {$46000.00} dollars on a second mortgage originated on XX/XX/XXXX. I modified both loans on XX/XX/XXXX with XXXX XXXX and never with Specialized Loans, and I am current on my mortgage payments since, and I am not delinquent with my Mortgage servicer. I responded with a qualified written request for information on mortgage assignment accounting and an original note. They responded by sending me a payoff quote for {$79000.00}, and that was it. During the qualified written request, they sent a man to my home to tape white letters to my door, which stated to call your mortgage company. This company has not complied with the FDCPA rules and is taking a very aggressive stance toward forcing payment by threatening foreclosure.
Product: Student loan

I submitted an application to change from XXXX plan to SAVE plan. I have been on XXXX since XXXX. I submitted an application to switch plans and included my income verification. This was XX/XX/XXXX. On XXXX XXXX, MOHELA denied my application stating I did not include income verification, which I did through the student aid website. The big issue is MOHELA took me off my original IDR plan, XXXX and placed me on Standard Plan with no explanation. I am in the PSLF program and I have 3 years left. I need to be on an IDR plan to qualify and theres no reason why I should have been taken off XXXX and moved the standard if my SAVE plan change was requested. 

I tried reaching out via calling and sending message on XXXX XXXX. I have not been able to get ahold of a representative. 

I need MOHELA to contact me back to fix my plan issue and verify how much I owe XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX My attorney, XXXX XXXX XXXX as well as myself have contacted XXXX XXXX to get this mortgage loan description off of my credit report and list it as it legally should be as a Installment Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to do a thorough investigation of accounts on my credit report that have been reported inaccurately. I have not received any verification or the information that I ask for in which would allow them to provide and report the information they have listed. 

They sent correspondence back saying that those accounts have been verified. How were they accounts verified and the information is still being reported inaccurately. The accounts that have been continuously being reported inaccurately are listed below : XXXX XXXX XXXX  # XXXX - Reporting Incorrectly In accordance to the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 I read that it also states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

XX/XX/year> requested information collection Practices ( 15 USC 162g of Fair Debt 1 The Amount of the debt 2 The name of the original creditor 3 Detail exolanination of the debt, including fees, interest, or other charges
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has send me a letter stating the account is not delinquent but the servicing company XXXX bank hired bXXXX XXXX XXXX is reporting incorrect information to the credit bureaus and reducing my credit scores. Documents showing the same are attached.
Product: Credit reporting or other personal consumer reports

My credit report review revealed mistakes related to late payments that do not match my payment history. I kindly ask that these be corrected and my account updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion XXXX  and XXXX  are reporting false information on my credit report. I filed a dispute its been over 30 days please remove XXXX XXXX XXXX from my file immediately.
Product: Student loan

My original federal student loan servicer was XXXX XXXX and I continued payments during the XXXX loan payment pause that began in XX/XX/XXXX. My loans were transferred to XXXX in XX/XX/XXXX after I applied for the XXXX XXXX XXXX XXXX ( PSLF ) program. I requested a refund of all of the payments made during the loan payment pause via an online form on the XXXX website on XX/XX/XXXX. My loans were transferred to MOHELA on XX/XX/XXXX after XXXX ended federal loan servicing. I requested a status update from XXXX on XX/XX/XXXX ; however, I received no updates. I called MOHELA on XX/XX/XXXX to check the status of my refund request ; however, I was unable to reach a customer service representative after being on hold for over an hour. I called MOHELA on XX/XX/XXXX to check the status of my refund and I was on hold for XXXX and a half hours. The customer service representative informed me there was no record of the refund request I previously made with XXXX, so I made another request for my student loan payments. The customer service representative informed me I would receive my refund in approximately 60 days ( did not specify business days ). It is XX/XX/XXXX ( XXXX business days later or XXXX calendar days later ) and I have not received any updates or my refund. I have been patient due to the rapid changes and high call volumes ; however, it has now been over XXXX months since I originally submitted my refund request to XXXX. It is extremely difficult to speak to a customer service representative due to the XXXX hour wait times, automatic hang-ups, and the automated phone tree. I understand the State of Missouri is challenging the Biden-Harris Administrations Student Debt Relief Plan that claims it will cause MOHELA financial XXXX. The absolute lack of updates, unacceptably slow processing times, and inability to speak with MOHELA customer service suggests MOHELA is failing to provide service to borrowers and is instead acting in the interest of the State. Due to the awful response, I will also be submitting a complaint to the Department of Education.
Product: Credit reporting, credit repair services, or other personal consumer reports

The auto loan amount and terms have changed. The agreement is currently involving an amount due of under XXXX dollars to be paid off in monthly installments of XXXX dollars over three years. I have agreed to these terms and had made loyal payments for several months now. The balance reflected in my credit reports shows a past due amount ( but yet written off ) of over XXXX dollars. This is damaging my score. It needs to be updated immediately.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a XXXX XXXX Bank XXXX Credit Card was opened which exceeded its {$300.00} limit with a total charge of {$530.00}.
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am reaching out to you because of my concern for the accuracy and honesty of your company 's data. As per FCRA section 611, it is imperative that we have accurate records on file with those who rely upon them most- which includes not just customers but also potential lenders or employers! After doing some research into XXXX XXXX compliance standards as well ( since they are rather new ), I've found there may be some inaccuracies in reporting going forward if these issues aren't promptly resolved ; would love any feedback possible before taking action against us later down this road togetherMy credit report is a representation of my financial standing and I take pride in keeping it up-to date. With that said, you have the responsibility to keep my credit profile and report accurate, authentic, complete! Therefore I need you to provide me with verification of everything within my credit report in a TIMELY manner. The information in my credit report and below is inaccurate. It never had any verification, compliance with reporting laws by means or even credibility -- so now I'm going through the process of correcting this oversight permanently! The inaccuracies that are currently on my report are having a serious negative impact to my quality of life! The data on my credit report is of high importance and is currently not a representation of who I am financially because its inaccurate. I'm demanding accurate documentation so you can document me- the person who deserves status in society- correctly!! Please make sure that all inaccuracies are removed immediately and that I am furnished with a new credit report upon the completion of your investigations into the details of my credit records