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

Im filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report.Dispute my submissions, Equifax consistently responds within 24 hours stating that the account is accurate, without providing any evidence of a thorough investigation. This practice violates Fair credit reporting act ( Fcra )
Product: Debt collection

REVENUE ENTERPRISES for the amount of {$340.00}. I was mentally not capable of making decisions on my own. I'm currently on XXXX for poor mental health. My care giver at the time did not relay the message to me when I had become aware of my surroundings. As far as I know, I never received a bill to be able to dispute. Even if I did get a bill I was not competent to make a decision. I also believe I was covered under some form of insurance through the UNITED STATES PROBATION OFFICE.
Product: Mortgage

On XXXX XXXX my husband, XXXX XXXX, XXXX died. I continued to pay the mortgage and other bills to maintain the household. While trying to change the electric to my name, I was told by XXXX XXXX that I needed to submit a mortgage statement with my name, not XXXX 's. I contacted PHH mortgage because I had originally been making the payments online. I made them aware that XXXX had died, emailed copies of his death certificate. Then I was told that I needed to provide proof that we were married and that I was on the title deed ; I sent all of this in. The next thing I know I was told that they could not speak with me as I was not XXXX. I received a call a few days later from PHH informing me that I was not on the original loan, and that this should have never been approved. When I asked more questions I was sent to different people, who could not help me. The following months, PHH began returning my monthly payments and I was told that they could not accept payments from me. The next thing I know, my home is n=being placed under foreclosure. I obtained an attorney at this time, who I thought had helped me because PHH stated that I was approved to be the Successor of the loan. I began working with a Care Specialist from PHH, who I met via phone every 90 days to review the loan for modification. Over the past 4 years PHH has requested that I pay large amounts towards the mortgage. At times it was {$5000.00}, XXXX, XXXX, and most recently they are requesting {$10000.00}. I am not sure what they are doing because i try to pay this but if I am unable to pay a month 's mortgage, they now want to foreclose again! I am trying to refinance with XXXX XXXX  to get my name on this loan, but was made aware that it was not legal for PHH to have refinanced with XXXX without my signatures. I want to keep my home, HELP! I spoke with a Rep. from PHH yesterday because I made my mortgage payment XX/XX/XXXX, received a letter stating that they returned it because I needed to pay {$2900.00} instead of {$800.00} by the XXXX of XXXX. While I was trying to borrow the money from my retirement, I received another letter from PHH on XX/XX/XXXX stating that I now owe {$10000.00} on XXXX XXXX! I called and was told yesterday that I owed {$4300.00}!!! When i questioned this, she changed the amount to {$3600.00}. The PHH rep. could not explain to me why I received these letters with different amounts. She transferred me stating that she could not speak with me. I was sent to another person, who told me that my house was under foreclosure. When I questioned this she then changed and said that if I pay {$3600.00} by next Tuesday XX/XX/year>, that my account will become current again. I am so confused and really need you guys help! I have about lost everything and my home is all I have! Please contact me via phone XXXX XXXX XXXX. I am currently trying to refinance, but am having trouble because of what PHH did. I don't have any money left! My daughter may have to drop out of college! PHH says the house is theirs and they want to sell it! But they will not admit that what they did with the title company was not legal.
Product: Credit reporting or other personal consumer reports

I had a lady that was working for me and she had access to all my personal information. She had access to my company cards and she ran the limit up, then she applied for a Home Depot card with her name on it with my information and they approved it without my knowledge. She got it and charged it up as well. I was in the hospital at this time, when they contacted me about the bill being late, I explained to him it wasnt my charges and they put it under investigation came back and said that they thought I put the girl up to this so I tried to work it out as a dispute on my credit, and they cant do anything to my credit until the lender sees that its fraud on the credit report. Since then, I filed a lawsuit against the girl and I have proof of that lawsuit. The company wouldnt work with me because I couldnt obtain a police report. When the police were contacted they told me it was an in-house matter told me to take it to Human Resources. The account was ultimately charged off for {$3000.00} in XX/XX/year>. Despite my best efforts, I have not been able to have this reported as fraud by Home Depot and has since affected my credit score.
Product: Debt collection

On multiple occasions, XXXX XXXX and XXXX has contacted Synter Reource and informed them the debt they are try to collect does not belong to us. On XX/XX/XXXX on a recorded conversation, XXXX XXXX XXXX ( Who synter resource keeps stating they can not get in contact with and i am able to with no problems ), along with me ( XXXX ) from XXXX XXXX XXXX XXXX, contacted synter resource on a 3-way call. XXXX informed synter resource that they are the responsible party and to stop contacting XXXX XXXX and XXXX. XXXX gave them permision to bill them as XXXX XXXX and XXXX has already paid XXXX for the shipment and that XXXX was the person to to request the shipping and requested to be billed to them. 

Once again i had a email sent on XX/XX/XXXX at XXXX, i emailed them back and asked to stop harrasing us and to cease comunication as we have no affiliation to southern freights and never gave them persmision to bill us for anything or and services performed. I also contacted them by phone the same day and requested the same. 

On XX/XX/XXXX i once again i recieved communication from synter recource requesting payment even though they know this debt does not belong to us. 

I have asked multiple times in writing and verbally for documentation showing us giving permistion to be bill and they have yet to provide that. They issued a document with no signitures from anyone a blank invoice.
Product: Bank account or service

1. We have opened and have been using checking and savings accounts with Wells Fargo Bank. 

2. Recently, we have started noticing evidence that all of our accounts with Wells Fargo have been controlled by the National Security Agency from the time we opened our accounts until now ( as of XX/XX/XXXX ). 

3. National Security Agency decides what transactions will be approved at what time in our accounts with Wells Fargo. 

4. We have also uncovered evidence that National Security Agency has been XXXX our family as you read this. This led us to the discovery with respect to Wells Fargo Bank. 

5. We want to know from Wells Fargo, Answer to the following question : " Did Wells Fargo at any time worked with the National Security Agency with respect to the activities in our accounts? ".
Product: Credit reporting or other personal consumer reports

Hello, please see attached Supporting documents for fraudulent inquiries and accounts that dont benefit nor was it authorized. I mailed TransUnion, XXXX and XXXX a ftc as stated on their website along with proof of residence and identity but yet they ignored my request. I was advised account will be removed within 4 business days. This credit dispute is being submitted as a notification of creditors who are in violation of the XXXX XXXX during the XXXX Pandemic. The accounts that are being disputed, are either in violation of the XXXX XXXX or do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know how many times I had sent letters to Experian to delete the information that is not accurate on my credit report and they are not even sending me a validation letter. I don't even see that the account is been investigated. Every month I send a letter and no response from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ 2023 I received a notification stating that an " EQUIFAX MORTGAGE SERVICE '' ran my credit resulting in an unauthorized inquiry on all 3 credit bureaus XXXX, EQUIFAX and XXXX. I contacted all 3 bureaus and requested that they remove the unauthorized inquiries from my report due to fraudulent activity. I have also sent them my FTC report along with my dispute and they refuse to remove the inquiry from my credit report. The letters were sent on XXXX2023 and it is now 30 days past and the inquiry has still not been removed from my credit report.
Product: Checking or savings account

Someone is using my identity to get loans and sending them to other accounts not in my name
Product: Debt collection

OPTIMUM OUTCOMES a collection agency, has placed damaging invalid medical information on my credit report. The alleged balance is : {$190.00} for XXXX XXXXXXXX XXXX. 

I have no knowledge of this account, I never received any written notice of this account and never received notice of my right to dispute or request validation of this debt, pursuant to the FAIR CREDIT REPORTING ACT and the FAIR CREDIT BILLING ACT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1666A 1666B 1666C 1666D 1666E and 1666F. Account Name : XXXX XXXX. 
A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Privacy and Consent, there is no law stating that late payments have to be reported. 
This has to be a billing error and needs to be corrected, effective immediately. 
This company is causing my credit score to decrease with reporting of my late payments that is illegal and there is no law that states otherwise. 
I am asking that they remove all information from my credit report 's and that's all XXXX bureaus including, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I filed bankruptcy in 2013 and its still on my credit report I need it off there
Product: Debt collection

Called my phone repeatedly, and right after called my MOTHERS PERSONAL CELL PHONE. And my ex boyfriends PERSONAL CELL PHONE. They were both right next to me and It was the exact same number calling and neither one of them are my spouse. UNFAIR ACTS.
Product: Credit reporting

Equifax shows XXXX accounts as " late '' or " delinquent ''. All XXXX of these accounts were subject to a bankruptcy processing of XXXX 2013. I have asked for numerous investigations by Equifax , but they refuse to remove or correct the information. Equifax currently refuses to reinvestigate the information, as they say they have already investigated my complaint and/or they say they have verified the information with the data furnisher. This is all despite the fact that I have furnished Equifax with all of the paperwork from the bankruptcy proceeding, which shows that I can not possibly own anything on these accounts, and they should have been showed " closed '', with " XXXX '' balance as of XXXX 2013. These accounts can not legally be shown as late or delinquent, as this is not a legal condition possible at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a formal complaint regarding the violation of my rights and the Fair Credit Reporting Act by the consumer reporting agencies. As a natural person, I have federally protected consumer rights to privacy and confidentiality under 15 USC 1681. However, the following accounts were furnished to the agencies without my written instructions, and I demand their immediate deletion : XXXX XXXXXXXX XXXX The consumer reporting agencies are governed by 15 USC 1681, and their violation of my rights several times is unacceptable. As per 15 U.S.C 1681 section 602 A., I have the right to privacy, and Section 604 A Section 2 states that consumer reporting agencies can not furnish an account without written instructions. 

Additionally, 15 U.S.C 1681c. ( a ) ( 5 ) Section States that no consumer reporting agency may make any consumer report containing adverse information other than records of convictions of crimes that antedate the report by more than seven years. Moreover, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any inaccurate information relating to a consumer to any consumer reporting agency. 

I demand that these accounts be removed immediately, as the consumer reporting agencies have violated my rights.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I noticed that I have been a victim of identity theft and found numerous credit inquiries I have no knowledge of. Here are the inquiries : XXXX XXXX XX/XX/year>, XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This is my six endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$2400.00} XXXXXXXX XXXX XXXXXXXX XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXX Balance XXXX {$35000.00} XXXX XXXX, XXXX XXXX Balance : {$10000.00} XXXX XXXXXXXX Balance : {$270.00} XXXX XXXX XXXXXXXX Balance : {$250.00}
Product: Student loan

The Department of Ed has determined that I am entitled to settlement relief for my loans based on allegations regarding my school 's misconduct. Pursuant to the XXXX XXXX XXXX settlement, the Department of Education should discharge my Relevant Federal Student Loan ( s ), provide a REFUND of at least {$48000.00} for any payments made to the Department of Education on my Relevant Federal Student Loans including Relevant Federal Student Loan debt that I previously paid off and delete the credit report tradeline associated with the discharged loan ( s ). I have the actual letter sent from The Department of Ed on XX/XX/year> stating this. 

I have been contacting MOHELA and FSA ( Federal Student Aid ) since XXXXXXXX XXXX via email, their " Contact Us '' box on their website and called both Mohela and FSA multiple times. I either get a generic response that essentially says be patient or I get a person/response that says call the other entity or a letter saying to contact the other entity. FSA says call Mohela. Mohela says call FSA. I thought I would receive some correspondence by XX/XX/year> but I have not. I followed up again after XX/XX/XXXX. A Mohela rep essentially said that I should be happy that my loans were discharged as part of PSLF because I have been a teacher for over 20 years, but that has nothing to do with the settlement. The settlement was filed for before PSLF and it doesn't negate the nearly $ XXXX that I paid when the settlement states that ALL funds paid should be refunded. I never paid MOHELA directly, my student loans were transferred to MOHELA. MOHELA acts like they don't know anything about the Borrower Defense settlement, but FSA ( Federal Student Aid ) stated that MOHELA is the servicer that is in charge of my refund. I feel that MOHELA is involved in misconduct and is giving me the run around. 

Please help me get to the bottom of this. 

Thank you.
Product: Student loan

I have a Signature Student loan through Navient that was originally obtained when I was a XXXX student at XXXX of New Jersey XXXX XXXX XXXX XXXX. I have been trying to defer/forbear this loan for the last several months ( I am currently an XXXX ) and have not had success despite submitting XXXX sets of paperwork that were 'signed off ' on by my XXXX. I was told that the XXXX set of paperwork was 'not the correct type ' and was given another set of paperwork to complete. After the last set of paperwork was submitted, I received emails stating that the paperwork had been 'declined '. When I called Navient, the representatives I spoke to seemed surprised and stated that this 'should have been the correct paperwork ' but that they 'had been having computer problems '. I was reassured that the paperwork was 'about to go through '. 

All of this occurred XX/XX/2015. It is now XX/XX/2015 and the loan still has not been deferred. If this loan can not be deferred for some reason, I would appreciate if somebody would just tell me this rather than having me submit paperwork over and over again. If it can be deferred, I would imagine that I have submitted enough paperwork at this point for a deferral to be carried out.
Product: Credit reporting, credit repair services, or other personal consumer reports

On Friday XX/XX/XXXX i received an email stating my account with Experian via creditchecktotal.com (  Membership ID # XXXX ) had been canceled. Because I know for a fact I did not cancel my account, I called the number in the email. It was an automated system. No live person. I tried several times and used all the options in the menu but to no avail. I went online and tried to sign in with my username XXXX and it gave me an error message stating to call a toll free number. It was a different number from the email but led me to the same automated system with no live operator. My account has been compromised and I can not get any help. I finally called XXXX and it got me to someone. I was transferred three times before I reached someone who told me my account was locked out due to too many unsuccessful attempts. I explained to the foreign agent that my account has been compromised because I received an email saying my account has been deactivated and no one can tell me how this happened. I recorded the call and Im sending it to XXXX and XXXX XXXX. After being on the phone thirty minutes, Im told I can not access my account for 72 hours. After 72 hours, the account still does not work and keeps causing an error. I even tried to create a new account, and the same error occurred after it took my {$1.00}.
Product: Mortgage

The XXXX XXXX XXXX XXXX located in California refunded my overpaid taxes back for tax years XXXX and XXXX to Dovenmuehle Mortgage who is the processor for XXXX XXXX XXXX XXXX. 

All 4 checks we sent to Dovenmuehle Mortgage payment processors XXXX. I receives one refund in XXXX of XXXX. There are still XXXXhree refunds that are due me that they are holding onto and will not send to me. I know this as I contacted the XXXX XXXX controllers office myself and got the information from them. I also got the check numbers and the date that each one of those checks cleared their bank. The information is below : Here is the information provided by the XXXX XXXX XXXX XXXX in California : XXXX. $ XXXX XXXX Tax Year/Check # XXXX their bank XX/XX/XXXX XXXX. $ XXXX XXXX Tax Year RECEIVED/Check # XXXX/Cleared their bank XX/XX/XXXX XXXX. $ XXXX XXXX Tax Year/Check # XXXXCleared their bank XX/XX/XXXX XXXX. $ XXXX XXXX Tax Year/Check # XXXXCleared their bank XX/XX/XXXX Since XX/XX/XXXX I have been in contact with Dovenmuehle Mortgage asking for my other 3 refunds ( item numbers 1, 2 and 4 above ). they have given me the runaround and a supervisor will never call me back even though they have put their request in multiple times since XX/XX/XXXX. I took this issue up with XXXX XXXX XXXX XXXX since they are the service provider for them on their mortgages. XXXX XXXX XXXX XXXX to this date has not been able to Dovenmuehle mortgage to respond. 

At this point I am turning to you for assistance and getting my tax refunds that were paid out of my impound accounts when my loan was being serviced by them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have multiple accounts on my credit report that are closed and have been sold. I know this because the debt have been in my debt collection or are still. I 've been trying to get the original debt removed so it does n't look like I have double the serious delinquency or derogatory indicator. The Credit bureaus keep coming back with the account verified account sold but refuse to remove them since they 've been sold. 
Accounts XXXX XXXX XXXX XXXX I also have accounts that were paid before being sent to collection and now sitting on my credit report and the credit bureau refuses to remove them keeps coming back with verified account paid before collection. 

Accounts XXXX XXXX XXXX XXXX XXXX XXXX  I also have multiple hard inquiries that were unauthorized and the credit bureau keeps coming back with they are factual and that I need to call the original creditor when have called the creditor is unaware of the hard inquiry and says there nothing they can do about something they have no knowledge of. 

Inquiries 1 ) XXXX XXXX XXXX XXXX 2 ) XXXX XXXX XXXX XXXX XXXX 3 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4 XXXX XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX 7 XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX XXXX XXXX XXXX XXXX 10 ) XXXX XXXX XXXX XXXX XXXX 11 ) XXXX XXXX XXXX 12 ) XXXX XXXX XXXX XXXX 13 ) XXXX XXXX XXXX XXXX 14 ) XXXX XXXX XXXX XXXX 15 ) XXXX XXXX XXXX XXXX 16 ) XXXX XXXX XXXX XXXX 17 ) XXXX XXXX XXXX XXXX XXXX XXXX 18 ) XXXX XXXX XXXX XXXX 19 ) XXXX XXXX XXXX XXXX 20 ) XXXX XXXX XXXX ) 21 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my OTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 

XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXI XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.