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

This journey started over a year ago with Equifax reporting erroneous information such as account information, and absolutely nothing was happening as for as moving the account information. I have even mailed in police reports regarding the accounts consecutively from XX/XX/XXXX through XX/XX/XXXX, only for Equifax only to have my information exposed in a data breach. These accounts were verified and validated. I am filing this complaint against Equifax due to the exposure of my personal information and the accounts that were fraudulently opened and in dispute with Equifax data breach. I am asking that they remove the listed accounts that are enclosed that I disputed and my personal information on my report. This has been admitted by the bureaus that they have not removed the listed accounts or personal information, also under the 605 ( b ) FCRA the bureaus had only 4 days to correct these errors. These are the accounts previously disputed. 

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
Product: Credit card or prepaid card

Dispute XXXX - Goldman Sach ( AppleCard ) In XX/XX/XXXX I approved a transaction to purchase a PRINTER from a company named XXXX for {$88.00} with the AppleCard ( Goldman Sach ) XXXX I was watching the purchase closely since I wasn't sure I made a mistake based on the amount paid. I sent an email to the company to ask for status and never received a response. The credit card charge was for the same amount ( {$88.00} ) but with a company name XXXX. On XX/XX/XXXX, I initiated a dispute with the credit card since by then I knew that I fell into a scam. I described to them the same as stated above. By XX/XX/XXXX I received a response from Goldman Sach ( AppleCard ) that the charge remained since the merchant provided evidence showing that the charge was mine. Re-opened the dispute, requested copy of the evidence and never received. During the evaluation period I received an email from Goldman Sach to provide anything I had to support the investigation. I didn't have much at the time since I didn't have any of the evidence they had supporting keeping the charge, only the email I sent following up the delivery of the printer that I originally ordered. 

By XX/XX/XXXX I received the Outcome of the investigation, without them providing any evidence, indicating that the charge remained because I failed to provide any evidence against the charge. This time I requested I called and requested to talk to a supervisor. During this conversation I indicated the multiple times I requested the evidence for the case and never got. The evidence arrived and submitted I prepared a document with my own findings. When I called to include as part of my case, they indicated I had to wait until they would send me an email for me to include. Once again I had to request a supervisor to be able to include the finding report on my own terms. 

Findings after reviewing evidence. 
1. Goldman Sach failed to realize that the evidence that was provided by the merchant was for the purchase of 2 pieces of clothing when I send them information that my order was for a printer.

2. Goldman Sach failed to realize that the documents provided had 2 different IP addresses referenced for the purchased transaction origin. 
3. Goldman Sach failed to realize that the provided tracking number by the merchant was a false number that does not exist in USPS. 

Attachments included : 1. Evidence that the merchant provided to Goldman Sach. This evidence was provided to me after the second time of reopening the dispute.

2. Documented report showing my points 1 and 2 from the findings.

3. USPS website screenshot showing the evidence reference tracking number does not exist.
Product: Credit reporting or other personal consumer reports

I checked my credit report today and I noticed an account in collections on my credit that I have no knowledge of and did not authorize, the account in question is for a phone line someone opened under my name that is now in collections, XXXX XXXX # XXXX, the collections agency is XXXX XXXX XXXX, the account was opened it says on XXXX oXXXX XXXX the amount its for is {$2400.00}. 
Please remove this account from my credit ASAP I have also obtained an FTC report for Identity Theft.
Product: Mortgage

This is my third complaint filed on PHH Mortgage regarding the same unresolved issue since XXXX XXXX XXXXThe amount of {$900.00} was to be released after mortgage payoff with PHH Mortgage XXXX XXXX. PHH mortgage claimed they mailed a check for this amount on XXXX XXXX XXXX I have not received that check. 

I have repeatedly contacted PHH Mortgages Customer Service and Research Department with no resolutions to this issue as detailed in my two previous complaints : # XXXX-XXXX  filed XXXX XXXX and # XXXX-XXXX filed XXXX XXXX. These complaints are attached. 

PHH Mortgage claims in their response to have sent three checks. I have received none of them.

I have attached PHH Mortgage last response dated XXXX XXXX. PHH MORTGAGE claims to have overnighted a check via XXXX tracking number is XXXX. ( The XXXX number should start with a 1 not an I ). PHH MORTGAGE did not state what address it was sent to. I have attached a screenshot of the XXXX tracking number. It also does not show an address of where it was sent/delivered. 

I have provided my current address to PHH Mortgage numerous times. My current address is listed on my complaint. You can see on the attached response from PHH Mortgage it has my current address. 

To be clear, I have attached a document providing my current address. Again, I have attached a document stating my current address My escrow overage check needs to be mailed to my current address.

This is NOT the exceptional customer service PHH MORTGAGE claims they strive for. I have been beyond patient in trying to resolve this issue for two years! 

I have attached all supporting documents for this complaint.
Product: Credit reporting or other personal consumer reports

To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account during the month XXXX and XX/XX/2022. I acknowledge and deeply regret this incident and wish to address it proactively. 
As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. 
I eamestly request your kindness and consideration to remove this late payment from my payment history. I greatly appreciate your understanding and support in this matter. I provide below the details of my account for your reference : XXXX XXXX XXXX Account XXXX XXXXXXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.
Product: Credit reporting or other personal consumer reports

There are 8 open accounts with Nelnet so I am going to group all of them together rather than doing 8 accounts.

Pursuant to 15 USC 1692c. ( C ) ( 2 ) AND THE FAMILY AND EDUCATION Privacy Act of 1974. I am invoking my specified remedy as a consumer, and the original creditor I am demanding all of the following : Zero out the balance on this account Deletion from all consumer reports Pay {$48000.00} in Civil Liability in accordance to 15 USC 1692k ( 48 various reports ) and an additional {$5000.00} in mental anguish for having false information/income on my credit report causing me to be denied credit. Totaling {$53000.00} in damages.
Product: Credit reporting or other personal consumer reports

I did not authorize these inquiries, and I believe they have been made in error or without my knowledge or consent. 
XXXX XXXX XXXXXXXX XX/XX/2024 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/2024 As such, I request that you investigate these inquiries and remove them from my credit report if they are found to be unauthorized. 
Furthermore, I would like to assert that, under the Fair Credit Reporting Act ( FCRA ), I am not required to provide an FTC report or a Police report to dispute inaccuracies on my credit report. The FCRA mandates that credit reporting agencies must conduct a reasonable investigation upon receiving a dispute from a consumer, without placing undue burdens on the consumer. Demanding an FTC report or a Police report as a prerequisite for investigating my dispute is not only unnecessary but also places an undue burden on me as a consumer. 
I expect you to adhere to the FCRA 's guidelines and conduct a thorough investigation into the unauthorized inquiries without requiring any additional reports from me. Failure to do so may result in further action on my part to ensure my rights under the FCRA are upheld. 
Please acknowledge receipt of this leter and inform me of the steps you will be taking to address my concerns. I expect a response within 30 days, as stipulated by the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received another alert from XXXX XXXX pulled from TransUnion with derogatory information on a closed account reducing my fico score 30+ points.  XXXX XXXX XXXX XXXX. The creditor has been submitting intentional erroneous information in result of each and every dispute damaging my consumer file. 

The creditor has been monitoring my credit to the point any time their is a positive change since XX/XX/2017 they will update to pull score down through TransUnion. My TransUnion consumer file was 620+ before disputing erroneous information and fraudulent accounts
Product: Mortgage

We gave our mortgage company our house as part of a legal settlement. However, they have not closed the mortgage with the credit bureaus and have called and sent letters threatening to forclose.
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been paid in full on account ending in XXXX. This was for an HVAC system. I've disputed this with the three bureaus, and they've updated my XXXX file, but my XXXX and Equifax file still shows a balance owing of {$3800.00}. I was told to wait until my account was paid and updated and a new statement was generated, but that has happened for XXXX and my Equifax and XXXX file still remain incorrect.
Product: Credit card

My XXXX broke and my XXXX XXXX closed his office several weeks for the holiday. I found XXXX XXXX XXXX XXXX ( XXXX ) would work on temporary XXXXXXXX XXXX XXXX XXXX if they couldnt fix. XXXX didnt take my insurance but the website listed XXXX XXXX as pay option and I was approved for {$15000.00}. After sitting in lobby 6 hours, the XXXX finally saw me. He had to replace the XXXX. The receptionist comes in the room & asked how I planned on paying. I had no XXXX at this point and XXXX XXXXXXXX on. She said they only toke CareCredit & that I mustve applied to XXXX through the wrong website ( XXXX is still listed on website today ). The price listed on the wall was {$390.00}. I was approved thru care credit. The receptionist said we would finish financing when I picked up new XXXX the next day after she spoke to CareCredit. She was on vacation for a week when I got there the next day and had charged me over {$5400.00} for stuff I did not get. I have disputed with care credit approximately 7 times since XX/XX/XXXX. Recently they sent a letter telling me I won the dispute. A month has past and there has been no update to my account. I spoke to XXXX 2 days ago and she said she put in a request to cut a check to me for {$930.00} I overpaid. I just went on the app and it still shows outstanding balance of {$690.00}??. They gave me bogus excuses for why my previous disputes were denied. Never sent a letter explaining the outcome until I received this last letter. I saw the RFI you sent Synchrony Bank in XXXX about CareCredit taking advantage of people in vulnerable situations. They answered the RFI saying they are not a XXXX Credit Catd because you can used the card at XXXX. That was XXXX truth tho. You can use at the XXXXXXXX XXXX but not for a tv. That XXXX that overcharged me ASKED me if he could give me a quote on XXXX I had scheduled once my XXXX XXXX because he thought he could beat the price I told him my regular XXXX was charging me. He didnt come close to beating it and then took that quote and submitted to CareCredit as my bill. They never sent a corrected bill and told me a bill does not exist even tho they denied that claim too. And I had to pay for something I never laid eyes on. This has held up my XXXX XXXX for a year now because I need to finance what my insurance wont pay. Please ask CC to send me a refund please.
Product: Credit reporting or other personal consumer reports

In disdain of multiple previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b, within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. With this, I am asking for you immediate assistance to remove the items that result from alleged Identity Theft. These are the following fraudulent items : 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 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 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 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 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
Product: Student loan

Edfinancial was my designated loan servicer for my graduate school loans. I have been trying to contact them for about 1 month regarding my monthly payments and making a large principal reduction payment. I first called on XX/XX/XXXX. Their office was not opened. I called again Tuesday when the office was opened again. My wait time was estimated as over 300 minutes. They called back the next day and I could not answer because I was treating patients. I tried again on XX/XX/XXXX, again was put on a wait list for a call back that was over 300 mins. Again, I could not answer the call back and no voice-mail was left, nor did they attempt to contact me again. I called again XX/XX/XXXX. Was put on the waitlist and got a call back that night. I spoke to the representative for about 3 mins ( most of it was her confirming my name and DOB, etc ). I asked my question and she said she would place me on a brief hold. After about 1 min on hold, she hung up the phone. I called back again on XX/XX/XXXX and got a call back that day. Again, after confirming my personal information, the representative hung up on me. I sent an email that same day hoping for a response and I have not received one yet ( it is now XX/XX/XXXX ). I placed another call on XX/XX/XXXX, hopefully I hear back Monday, but don't expect much since I keep getting hung up on. I just want to figure out how to pay these people what I owe them. I work in patient care 5 days a week during their open hours, so it is hard for me to get in touch with them. I am having to step away from patients to answer their calls only for them to hang up on me. I was hoping the email route would go more smoothly, but that is not the case. I am seeing lots of other horror stories similar to mine about Edfinancial. I just want my questions answered so I can pay my loans back in a timely manner!!
Product: Credit reporting or other personal consumer reports

At least XXXX incidents. Every time I've used Experian for a " free credit check '' ... The company takes your CC #, then signs you up for an expensive credit monitoring service, without clearly explaining this. Then when you try to cancel the service... Experian keeps charging your card anyway. Every contact and complaint to Experian directly, is totally ignored. 

Eventually you have to contact your CC company, and send them the screenshots showing what has happened, and your cancellation attempts. Your CC company has to refund the XXXX and cancel the service on your behalf. Often the Experian charges continue, and you have to repeat the entire process again. Your CC gives up, cancels your card and issues a new one. This results in a lot of wasted time, XXXX and effort. Other bills have to be updated to the new card #, and sometimes late fees occur before every bill can be updated. Over the years, this never changes. Yet Experian has found new ways to trick consumers into their scam, by having the public sign up for a " free credit score '' etc. through different company names, then after there's a billing issue, it's discovered it's really Experian. 

I've had countless screenshots over the years of this... But not readily available atm.

But, I'm sure I'm not the only consumer who's complained to this agency, as the internet is full of identical complaints to my own... So why does this agency still allow Experian to even exist??? They are a full scam. They hold SSN, dob and sensitive data. They effect FICO scores which effects too much in people 's lives. They really should've been shut years ago. How am I still needing to go through all this again and again. They're literally hiding under other services ' names, because no one trusts them. End this madness. I'm out of time and effort to spend on this nonsense. Experian is not a government agency ... Why do they have so much power, and who is giving them authority? Any other company who had this many complaints of financial scam, and held personal data and power over all lending and credit ... Would've been shut down. So, that's it... Shut them down.
Product: Credit card or prepaid card

I have sent Navy federal credit union a correction of billing errors notice pursuant to 15 USC 16666 ( a ) which was delivered XX/XX/2022, stating that there is an error in the statements for credit cards and vehicle " loan '' associated with ACCOUNT NUMBERS ENDING : XXXX pursuant to 15 USC 1666 ( b ) ( 4 ) and have demanded that they credit the account with the amount of credit ( {$6000.00}, {$1000.00}, and {$61000.00} ) that was issued to the consumer ( me )
Product: Checking or savings account

Wells Fargo Bank. On XXXX numbers of purchases and withdrawal was made to my account. Purchase.XXXX at XXXX XXXX XXXX XXXX XXXX Withdrawal XXXX ATM XXXX ATM Withdrawal ATM and XXXX ATM all at the same Wells Fargo on XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

( 1 ) My problem is with XXXX XXXX, whom I have used for over ten years as my lender for my personal and business car leases. 

( 2 ) On XX/XX/XXXX, I used the online bill payment system at the XXXX XXXX website to make a payment, but using a different account. I set up the new account, including the routing # and account #, and made the payment. 

( 3 ) I received an email immediately indicating CONFIRMATION of the payment ( please see attachments showing this exact screenshot with confirmation numbers ) ( 4 ). About 3 weeks later, on XX/XX/XXXX, I get a call from XXXX XXXX alerting me that the payment never went through, that the routing number I had provided was not in their system and to please resubmit the payment with a new routing number. 

( 5 ) I made the payment immediately using the original bank account I had always been using, the payment went through, at least according to the confirmation email I again received. 

( 6 ) Fast forward to XX/XX/XXXX. I now find out XXXX XXXX has marked me as over 30 days with a " late payment '' due to this. 

( 7 ) I called their company repeatedly, talking to whomever I could, escalating the call each time. In each instance, they claim they were not at fault, even though I had received NO phone calls or emails alerting me of the failed payment until the account was over 30 days due. And I had their email giving me confirmation of the payment from XX/XX/XXXX, which they still claim was not sufficient evidence of anything. My last call into XXXX XXXX was XX/XX/XXXX, where I talked to someone who promised me a manager would call me back, to which I 've never received that call. 

( 8 ) Normally I would not make such a fuss over an issue like this, but this 30 day late penalty happened right in the middle of a personal loan I am trying to apply for. Now, all of the banks are turning me down because of this " blemish ''. I am suffering heavy damages because of this incident and feel like there 's nobody I can turn to for help. 

( 9 ) Trying to call anybody over at XXXX XXXX right now is impossible. The phones do not work, and their website says they are going through some type of upgrade. I feel like I 've done everything possible at this point but now I have no way to even communicate with them. 

( 10 ) I am ready to hire a lawyer to work with me to resolve this, if necessary. as I did nothing wrong, and XXXX XXXX should not even be hesitating to remove this " mistake '' as I 've been a loyal and good customer of theirs for almost a decade. After this incident, I can conclusively report I will never go through XXXX XXXX again, and I feel others should be aware of how harsh and non-communicative this company is.
Product: Debt collection

I have advised Mike Carlson Motor company to cease all communication with me. I asked to not be contacted via phone or email. I received 3 emails on three different days after being told to do not contact me. I have been in contact with the company by me dialing in. I have made them aware I 've been in the hospital and XXXX XXXX XXXX. This company is using scare tactics, false statements and practices on its customers. I have spoken to countless managers and also spoke with the general manager or asst general manager about my complaints and concerns with this company. This is an ongoint issue and is now harrassment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Subject : Request for Removal of Inaccurate Information from Credit Report I am writing to formally request the removal of inaccurate information from my credit report. My name is XXXX XXXX and my Social Security XXXX is XXXX I have recently reviewed my credit report and found an entry that I believe is incorrect. 

The item in question is below This information is inaccurate as the times and address nis incorrect. 

Under the Fair Credit Reporting Act ( FCRA ), I can dispute any information I believe is inaccurate or incomplete. I kindly request that you investigate this matter and provide a written response regarding the outcome of your investigation.