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

I XXXX XXXX XXXX, a natural person, letting the CFPB know that The XXXX XXXX XXXX is reporting a fraudulent account ( # XXXX ) on my credit profile. I DID NOT GIVE EXPERIAN CONSENT to put this on my profile. This account is damaging my credit worthiness. According the FCRA, a collection of an account is a permissible purpose to obtain a consumer report ONLY when the collection is in connection with a credit transaction. I did not apply for ANY credit/loan with The County of XXXX XXXX , nor did they have my written consent to put this onto my profile. Due to this fraudulent account on my credit profile, I have been denied credit and my report has taken a serious hit, dropping my score tremendously. This is in violation of the FCRA, and if not deleted, I will sue Experian because they were put on notice and is willingly furnishing false information. Experian has been put on notice since XXXX. I have attached my letter for Validation sent to them on XX/XX/2023. I also have attached the DOJ letter, Validation of Debt, Notarized, the XXXX Notice, Notice of Demand for Responsibility Contract from the Child Support Agency, and lastly a Notice of Deletion to Experian. None of the entities have responded. If this account is not deleted immediately. I will sue Experian in a Court of competent Jurisdiction.
Product: Debt collection

Speedy cash XXXX  called in XX/XX/XXXX regarding a loan in my son XXXX XXXX XXXX name. My son is XXXX and has been in XXXX  XXXX  for 12 years. He has no job or bank accounts. This was determined to be fraud on XX/XX/XXXX and XXXX  removed the fraudulent account and fraudulent job ( see attached letter ). 
On XX/XX/XXXX I received a call from a collection agency ( XXXX Account # XXXX ) regarding a XXXX XXXX XXXX ( same dates and same amounts ). I told them it was fraudulent and my son is in XXXX XXXX. They said they would go to the XXXX XXXX XXXXnd take him to court.
Product: Mortgage

On the week of XXXX XXXX, 2021, I called Planet Home Lending LLC to resume my mortgage payments which had been deferred for XXXX months. The representative was unable to tell me what my new adjusted payment would be, but recommended that I pay the original monthly amount of {$1100.00} in order to prevent a late fee while the underwriting department calculated my new payment. I did as I was advised by the representative. 

Approximately a XXXX later I received paperwork to resume payments. When I got the paperwork I called Planet Home Lending for an explanation of the contract they wanted me to sign. During this phone call it was explained to me that the payment made a month earlier was not going to be applied to my new payment schedule as I was led to believe. The amount went towards the outstanding deferment amount, which is not how it was explained to me at the time. After much discussion, I was explicitly told that the paperwork would be revised and that my payment made in XXXX would be applied to my XXXX payment of my new payment schedule. 

Now, XXXX months and countless phone calls later, they have changed their story and are saying that they never said they would revise the paperwork despite the phone calls being recorded. I would like to take them to court so I can subpoena the phone call recording but due to their blatant lies and manipulation I do not have the liquidity necessary to hire an attorney. 

It may also be worth mentioning that this is not the first time the have acted deceptively regarding my mortgage. They have a long track record of exploiting their customers.
Product: Credit reporting or other personal consumer reports

I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report. 
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Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My child was personal information have been report to a credit bureau, this is fraud
Product: Checking or savings account

I am the payee for my XXXX XXXX XXXX XXXX check. I deposited his check on XX/XX/year>. All Funds are usually available within XXXX hours. On XX/XX/XXXX, I contacted the bank because the account was showing a - {$590.00} balance. I was advised that a hold was on the check and it would be released on XX/XX/year>. On XX/XX/year>, I called again to inquire about the hold and was advised that there was a {$290.00} Garnishment on me ( not my son ) and that I needed to contact the creditor. I contracted the creditor immediately and was advised that my final payment was received on XX/XX/year> in the amount of {$290.00} and my account was paid in full. I contacted Capital One to let them know that the account was settled a month prior to them taking my sons funds. I was told the creditor would need to fax them a letter. I provided the creditor with the information I was given. Capital One advised me this morning that they received the letter from the creditor but could not release the funds until they received a signed letter from the court. I told them I have a release letter from the court but they will not accept it because it doesnt have a judges signature. I spoke with the Clerk of the Court and they only provide a generic release letter. I was never properly notified by Capital One that I had a garnishment, and they took money from an account that was solely setup for my XXXXXXXX XXXX XXXX
Product: Debt collection

Sent letters to the three major bureaus asking to investigate and provide verification of debt per FCRA. Company failed to validate the debt belongs to me. 

Letters sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I am attaching the paper trail with Certified mail receipt.
Product: Debt collection

Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, DC XXXX Subject : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX for Fraudulent Debt Collection Dear Consumer Financial Protection Bureau, I am writing to lodge a formal complaint against XXXX XXXX and XXXX XXXX XXXX for practices that have negatively impacted my credit and financial well-being due to what I believe to be fraudulent debt collection and service non-fulfillment. 

In 2022, I entered into a service agreement with XXXX XXXX for personal training services, agreeing to a payment of {$350.00} per month for two sessions per week over a six-month period. Despite fulfilling my payment obligations for the first two months, the service provided was grossly inadequate, with the trainer only appearing for two sessions total, after which no further sessions were conducted. This failure on XXXX XXXX 's part to fulfill their contractual obligations led me to discontinue the service, assuming the matter was concluded. 

However, to my dismay, a year later, I discovered that XXXX XXXX had submitted my account for collection to XXXX XXXX XXXX, alleging unpaid debt. This action has since adversely affected my credit report and overall financial standing. I have made several attempts to resolve this issue directly with the involved parties, clarifying that not only did I not receive the services for which I paid, but also that I am, in fact, owed a refund for the payments made for services not rendered. 
I have also asked them to submit the proof of them rendering the alleged service, but they have failed to show it because they didnt render the service. 

The persistence of this debt on my credit report, despite my attempts to dispute it, constitutes a wrongful collection practice. It is my belief that I am entitled to a full refund for the payments made to XXXX XXXX for the two months of service, totaling {$700.00}, in addition to the immediate removal of this fraudulent debt from my credit report. 

I request the XXXX XXXX XXXX XXXX assistance in investigating this matter and in compelling XXXX XXXX and Summit Resolution LLC to : Refund the sum of {$700.00} for the unrendered services I paid for in good faith. 
Remove the fraudulent debt report submitted by XXXX XXXX and managed by XXXX XXXX XXXX from my credit report to rectify the harm done to my financial standing.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to have verified this. Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, Equifax, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXX
Product: Student loan

I applied for the loan forgiveness program in XX/XX/2021. I explained to the representative that we are not in the office plus PII can not be sent over email, so I asked the question of what can I submit for verification. She stated my W2. Thus, I submitted a W2 for my previous Government jobs and my current job at a non-profit. 

In XXXX, I received a stating Not Eligible, and they did not evaluate the eligibility of my current employer. When I called customer service, they stated my current employer is on hold in the system, but could not explain anything else. On XX/XX/XXXX, I received another request to submit the certification for my current employer because they are open. Thus, I sent the certification with signature on XX/XX/XXXX. 

I called on XX/XX/XXXX checking on the certification, and the representative said it was scanned in because of the volume of application and the process will take longer. As I explained to her, I am receiving misinformation and this process is confusing. I did everything each representatives requested and the process was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have frozen my credit with all 3 services. I am attempting to unfreeze my credit and had no issues with XXXX, but TransUnion refuses to do so. They said my record is messed up because they have a XXXX XXXX XXXX and an XXXX XXXX with the same social security number. The problem is entirely a data error within TransUnion. 

Contacted them several days ago and they say a supervisor has to call me back. Just called me back and refuse to temporarily unfreeze my credit. Said I have to send a cover letter and supporting documentation to get this resolved, but the problem is entirely on their end. 

In the mean time, I am unable to conduct business with a significantly discounted purchasing rate because of their mistake.
Product: Credit reporting or other personal consumer reports

I traded in a vehicle back in XX/XX/XXXX and the agreement was, XXXX XXXX was going to pay off the remaining loan on the car I traded in which was a XXXX XXXX XXXX. XXXX has had possession of this vehicle since and was suppose to pay off the loan. They did send out a full payoff check but for whatever reason, Capital one returned the payment to XXXX and only partial of the loan was paid off. I had a remaining of around {$3000.00} to be paid off and it has gotten to the point its effecting so much of my life. I cant even get a place to stay applying for apartments. It has a past due delinquency balance since XXXX being the first month it reported late. Every time I would reach out to the dealership.. I always get a response what is your phone number and Ill have the team reach out to you I have text messages showing how often I would reach out to the manager at that location about my problem and he would say its sent out or it will be taken care of and it never got resolved. Capital one has threatened me of repossession on my report on a vehicle I already sold to XXXX. This has been stressing me out so bad that I have no more options since nobody at the dealership is willing to help. According to the manager, he is unable to give me any phone numbers to get this resolved. I need somebody to reach out to me asap about this matter. I have been dealing with this for 7 months now and its not fair that something I have no control over, is reporting on my credit as negative. Please can somebody help me with this asap. This has been going on way too long. Its hard to be patient at this point. Especially when it has effected my life in so many ways. The level of frustration and having to deal with unprofessional behavior at the dealership. Promising me that they will help and never even return my calls. Cant even provide me any information to ge this resolved. This loan needs to be paid off immediately. I have attached proof of when XXXX sent out the check in full amount to pay off the vehicle, how the payment got returned. XXXX then sent out a partial payment with remaining balance of over {$3000.00}. Ive also attached proof of text messages of how many times Ive reached out to the sales manager that sold me a vehicle with a trade in.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumers report, i noticed that there were several accounts listed that do not belong to me. Here are the accounts listed Dept of EDXXXX Bal- {$5700.00}, Opened XXXX Dept of EDXXXX Bal- {$4800.00}, Opened XXXX Dept of EDXXXX Bal- {$4600.00}, Opened XXXX Dept of EDXXXX Bal- {$4000.00}, Opened XXXX Dept of EDXXXX Bal- {$4000.00}, Opened XXXX Dept of EDXXXX  Bal- {$3800.00}, Opened XXXX Dept of EDXXXX Bal- {$3200.00}, Opened XXXX Dept of EDXXXX Bal- {$2500.00}, Opened XXXX Dept of EDXXXX Bal- {$2500.00}, Opened XXXX Dept of EDXXXXXXXX Bal- {$2300.00}, Opened XXXX Dept of EDXXXX Bal- {$2000.00}, Opened XXXX Dept of EDXXXX Bal- {$1500.00}, Opened XXXX Dept of EDXXXX Bal- {$640.00}, Opened XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to refinance my vehicle and was denied, the bank told me I had an unresolved charge off with XXXX XXXX. I contacted them and they said I had to contact who bought the debt and they would update my credit report. I contacted Velocity and they said they can not update my report but will send me a release of claim showing my payment and the account is paid and settled. I sent that to Experian for review. They did not update the status of my account to Paid in Settlement, it still shows closed and written off.
Product: Checking or savings account

I first noticed this approximately late XXXX, i would get locked out of my online account and have to call the bank and have them reset my access to the account to make a deposit from my savings account. Then by early to mid XXXX it had gotten to the point i would have to call bank fraud department to have my access restored. this is where it got really inconvenient as bank fraud was only open XXXX to XXXX and was much harder to get through to, for me. it went from having to call once a month to having to call just to have 10 min of access to the account. this continued to progress even as i complained, to the point when i called and had my access restored i would have 10 min. until it would time me out, then i would have to call bank fraud again. this was some kind of new security measure is what i was told yet no one could tell me why i was getting flagged every time i logged in after telling me they fixed it several times, i could tell the girls at my local branch were tired of me calling every day to get access to my account as covid took hold it became much harder to run to XXXX XXXX  then run to fifth third to deposit money. XXXX is where my mmda account is and where i transferred money into the fifth third account from. once the lockdown took place this became way more complicated than just running to each bank to make a deposit. for the last few months at fifth third the girl at my branch set up a e mail if my balance went below XXXX dollars, and i would hurry to walk a deposit over. they would wave the overdraft fees and try some new way to fix the problem. then it seemed to me money was missing from the account, having so much activity and all the chaos with trying to view the activity by this time i only had the 10 min time before it logged me out and i would have to go through the hole process to get another 10 min to view the account. I found out that money was missing and they had charged me for overdraft fees, having only the 10 min i was unable to go through the account fully to find the missing money. i was also getting ready to go in for XXXX  XXXX at this time, i opened an account at a different bank. i sent fifth third several letters asking for help but with covid there was little in person help and over the phone help had gotten way harder. so i sent letters and figured they would get to me when things calmed down. then a few weeks ago i received a notice from a collection agency .that was the first letter i had gotten at all from any response from fifth third. i had no idea they were saying i owed them money this seemed ridiculous giving the circumstances. i had sent so many letters and gotten no response, then this so i called to resolve it and got no where. i should have many of the phone calls recorded i am going to begin to look for them. i would like my credit restored with an apology written and i would like my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The months of XXXX, XXXX and XXXX I have made them at the end of each month and they are within the time limit established so as not to be reported to the credit companies as late payments. For example, I paid the month of XXXX, XXXX and XXXX on XX/XX/XXXX, XXXX I paid it on the XXXX and XXXX I paid it on the XXXX. I understand my payment date is the XXXX of each month and I am late but I do not exceed the month and the Company charges me {$35.00} for not paying on the XXXX of each month.
Product: Credit reporting or other personal consumer reports

XXXX records are not accurate and can not be verified. Delete this fraudulent XXXX record, as I have disputed the accuracy numerous times, yet it remains on my XXXX and TransUnion credit reports. If accuracy is the main purpose of you so called bureaus, Then fall in line with XXXX and their thorough investigation that lead to deletion of said XXXX public record. Also, a violation of privacy, defamation to my credit stance. I was able to get approved for housing this time last year. Currently, my credit score is super low due the inaccuracy of TransUnion and XXXX ability to conduct proper investigations. I am not requesting any more investigations as they dont work to resolve inaccuracy issues and concerns. Please delete this XXXX.
Product: Student loan

I submitted a XXXX XXXX XXXX XXXX to have my private XXXX  loan, serviced by XXXX, XXXX on the basis that my school defrauded and mislead XXXX. My federal student loans were XXXX based on the XXXXXXXX XXXX XXXXXXXX 's findings, yet XXXX ( now Mohela ) denied my application for some reason, I am waiting to find out why. The private loan I have is from my attendance at the XXXX XXXX in XXXX in XXXX. 

On XX/XX/year> I submitted the XXXX XXXX XXXX XXXX. 
On XX/XX/year> I received the notice that my application had been denied. 

I will be sure to email the XXXX XXXX XXXX XXXX to the ppsl.org inbox as it is too large to attach below.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed at least 3 times with Equifax about inaccurate information thats not mine from accounts from XXXX XXXX XXXX and XXXX XXXX XXXX. They keep verifying that its mine. I tell them that its not and request to see whats in my credit file to see if I can match it with my records, but they refuse to disclose this info. The information on these accounts are inaccurate and hurting my ability to obtain credit and causing me to pay higher interest rates. I want it removed from my account immediately. I've attached actual pages in my report that I got from Equifax in XX/XX/2018. Not a reseller, but Equifax. I've circled and notated all the mistakes.
Product: Credit reporting or other personal consumer reports

I have attempted several times to resolve this matter directly with the furnisher but never received any communication from them and asked to delete these inquiries to Equifax and the inquiries continue on my credit report and they are harming my ability to obtain new credit. 

XX/XX/XXXX, XXXX Bank XX/XX/XXXX, XX/XX/XXXX
Product: Checking or savings account

I have been locked out my account I submitted documents of who I am and still it is locked.talked on the phone with yall yall still aint help I just want my account unlocked.
Product: Credit reporting or other personal consumer reports

It is illegal to report transaction history pursuant to the FCRA. XXXX is violating my consumer rights by reporting to any credit agency transaction history along with those agencies allowing for such history to be reported by them.
Product: Mortgage

My wife and I have been trying to obtain a payoff letter from US Bank for our XXXX  with a different bank and US Bank will not send us the letter and we have been trying to get this letter for over one week. We need help to make them send the letter.
Product: Mortgage

My mortgage company refuses to issue my 2014 year XXXX. I am a XXXX XXXX service member, serving an overseas assignment, that I had to request my CPA to file an tax extension since I can not get this tax document from my loan company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX  to remove unauthorized non account holding hard inquiries off of my credit report but I got no response. I still have receipts from the day I sent the letters out certified mail.
Product: Credit reporting or other personal consumer reports

The accounts that are listed on the files are proven inaccurate to be on my report. Please be sure to analysis my report and remove all inexact information from my report.