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

I am in the middle of a mortgage and have very good credit. It was discovered the same XXXX XXXXXXXX XXXX XXXX  account was being reported twice on my Equifax report. 


First account ending in XXXX is showing an {$18000.00} balance and not updated since XX/XX/2024, this is the same account as ending in XXXX. 

XXXX XXXX changed the card number from XXXX to XXXX and updated Equifax. Equifax refuses to correct this issue. 

They are showing XXXX separate account open and in the remarks that " Consumer disputes account information. I HAVE NEVER DISPUTED MY XXXX XXXX  ACCOUNT INFORMATION. As is it a perfect account in good standing. 

Equifax Reps have out right lied to me all week. Tuesday he told me he was NOT opening a normal 30 day dispute but an internal dispute and the duplicated account ( XXXX ) would be removed in XXXX hours. I call back and the next rep tells me on XXXX that it is being removed as we speak. 
Its XX/XX/2024 and it is still not corrected. Another rep and supervisor with Equifax refused to correct the problem and now blamed XXXX XXXX. 

Please Please Help me get this corrected asap. My home loan is depending on it. 

I currently only have XXXX account ending in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several " hard inquiries '' on my credit report, reported by Transunion ... through XXXX XXXX website. I absolutely can guarantee those inquiries were not even close to having been done by myself at all. Though most say they drop off sooner than later, they til affect the score. Below, you will see the " errored complaints '' or false inquiries never made by myself. Thanks. 

1. 
XXXX XXXX : XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 2. 
XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX made on XX/XX/XXXX 3. 
XXXX XXXX, FL XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 4. 
XXXX/XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX made on : XX/XX/XXXX 5. 
XXXX/XXXX XXXX, DE XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 6. 
XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 7. 
XXXX XXXX, DE XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 8. 
XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX *Several Made on different dates, as follows* : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 9. 
XXXX/XXXX XXXX, FL XXXX ( XXXX ) XXXX made on : XX/XX/XXXX 10. 
XXXX/XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX made on : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Greetings, XXXX XXXX XXXX XXXX XXXX XXXX XXXX respectfully request to have my information about my AES XXXX loan that appears on all credit bureaus to be resided. I have worked hard to be a good XXXX and pay all my debts. 

The fact is my AES XXXX loan account has been closed since XX/XX/2019 and it shows as if it it is still open and I am XXXX  days late in my school loan payments. Again, my account has been CLOSED since XX/XX/2019. 
In fact, AES shows that during XX/XX/2019- XX/XX/2019 my account was not paid. When in fact my account was in forbearance. 
Again, my point is that my AES XXXX XXXX account has been CLOSED since XX/XX/2019. 

Respectfully, XXXX XXXX XXXX, XXXX.
Product: Student loan

I submitted an IBR application several months ago. I should be in a processing forbearance so my months will count toward PSLF. Mohela needs to give me my 2 months/60 days processing forbearance and move me to IBR so I can keep gaining months.
Product: Credit card or prepaid card

ABOUT XX/XX/XXXX WELLS FARGO BANK OFFERT ME A BUSSINES REVOLVING CREDIT CARD TO MAKE PURCHASE FOR MY STORE. I ACCEPTED, AT THAT TIME I WAS USING MY PERSONAL ACCOUNT AT WF BANK, SO I BEGAN USING THE CREDIT CARD PROVIDED BY W. F. BANK IN XX/XX/XXXX. I MADE AN {$8000.00} PURCHASE AT XXXX XXXX # XXXX, AFTER THIS FIRST PURCHASE I MAKE THREE MORE PURCHASES, XX/XX/XXXX, {$6000.00}, XX/XX/XXXX {$3700.00}, XX/XX/XXXX {$2900.00} AND {$76.00} IN SMALL PURCHASES, THE CHARGES AMOUNT TO {$29000.00}. I WANT TO OBSERVE THAT I ONLY USED THE CARD TO PAY TO XXXX XXXX. I PAID THE TOTAL AMOUNT OF THE PURCHASEON THE FOLLOWING WAY.XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX, XX/XX/XXXX {$2000.00}. C. RECEIPT XXXX, XX/XX/XXXX CHECK # XXXX.FOR {$6500.00}, XX/XX/XXXX {$5000.00}. CASHIER RECEIPT XXXX XXXX. XX/XX/XXXX {$5000.00} CHECK XXXX, XX/XX/XXXX {$4000.00}. CASH RECEIPT XXXX XXXX, XX/XX/XXXX {$5000.00}. CHECK XXXX, AND XX/XX/XXXX {$380.00}. CHECK XXXX. SO I PAID AN AMOUNT OF {$32000.00}, INSTEAD {$29000.00} OVERPAING THE ACCOUNT ON {$3600.00} AND THE BANK DOES NOT WANT TO REFUND OVERPAID.AMOUNTOF {$3600.00} AND BY MANIPULATION OF THE NUMBERS THE BANK DENIED THE PAYMENT..
Product: Debt collection

I called XXXX XXXX XXXX and asked that they verify a balance they say I owe but they said this balance was sold to a third party collector regarding a collection balance of {$2900.00} I contacted Midland Credit Management at XXXX but a representative confirmed that there is no debt in their system with my social security number nor address. I am requesting that you help me confirm that this debt is not mine and so that I can get the credit bureaus to remove this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

In early XXXX when I learned I had a incorrect collection acct. report from XXXX XXXX Equifax reporting agencies, I filled a dispute online with both. Within 30 days XXXX  had removed it, but Equifax had not. I then went on the Equifax website and disputed it again. After aprox. 60 days I had still not recieved any comunication or resolution so I called them and requested this to be disputed a XXXX time. To date I still have not even received a response to this issue, and I am now unable to get through to their website or phone number. At this point I even tried to go back to the doctors office where I thought this had originated and learned from them it was from XXXX XXXX and given their # XXXX XXXX. When I contacted them they said there was nothing showing it was sent to collection, which made even less sense to me as to where the incorrect report originated. But they told me they would investigate and gave me comp # XXXX. I also have a copy of my cancelled check # XXXX dated XXXX/XXXX/XXXX, for {$200.00} that was sent as soon as the bill was recieved, yet this collection was recorded as opened in XXXX XXXX.
Product: Mortgage

Several months ago I provided the Short Sales Dept at Ocwen Financial Services, with an authorization for Attorney XXXX XXXX/Assistant who are handling my Short Sales process. Ocwen approved the Short Sales and I have a Buyer who 's approved and ready to close ; but to my dismay due to the negligence of the Relationship Manager ( XXXX ) assigned to my file, I 'm in the verge of losing my Home to Foreclosure. Both the attorney 's assistant and I have been trying relentlessly to contact XXXX XXXX ( Relationship Manager ) in order to obtain a scheduled BPO ; which is the only thing missing for the closing and despite are continuous efforts to call him, he does not return our calls. Due to this I 'm getting very close to the date scheduled for the Foreclosure Sale of my home. In light of this, both the assistant and I have also tried contacting the Director of the Short Sales Department, but every time her and I have called the Customer Service Department, the Representatives have refused to provide us with his contact information. In light of the fact, that they refuse to provide us with his contact information, we 've requested that he contact me or her, but again to my dismay without success. I recently sent a letter to their Headquarters located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, in attention to XXXX XXXX XXXX ( President of Ocwen Mortgage Services ). In this letter, I provided specific details of my ordeal and I asked for his intervention, in order to prevent the possibility of losing my home to Foreclosure only because of the negligence of the individual assigned to process my file. Now I 'm filing this complaint hoping that, I can get a positive outcome and not lose my home to Foreclosure.
Product: Mortgage

During COVID-19 period, I was unable to make payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The communication about payment assistance was not communicated properly to me and I only became aware that I can apply payment assistance in XX/XX/XXXX which I did. 
However, there was missed payment remarks left onto my loan for the 5 months mentioned above. XX/XX/XXXX was done incorrect as there was a payment assistance already on the account. 
Given Covid-19 impact on my life, I was unable to make those payments. Since then, the house was sold, and the mortgage was paid off.
Product: Credit reporting or other personal consumer reports

Hello Ive been trying to dispute negative and incorrect collection on my credit report
Product: Mortgage

This is an ARM mortgage that was bought out by SPS, and the rates are very high. 

Paying {$270000.00} just interest per month on a XXXX k balance. 

They keep raising the rates and according to them it is legal to do so. While others are getting 6 % or less loans we have been paying 9,99 % and going up to 10.99 % in XXXX. 

They can raise the rates to 14.99 % if they want. At that point we will be forced out of our house, that we have lived in for 22 years. 
When we got this loan the " broker '' lied and said ; this was " all he could do for us ''. The original rate was under 7 %. 

I am XXXX XXXX XXXX, my wife is XXXX, We just want be able to live here. I tried to get a refinance, or a reverse mortgage, but we can't because of some EXTREMLY old debts from when our business failed. I did not file bankruptcy then, but should have. I think by law these old debts, are due to retire soon, These debts are nearly XXXX XXXX XXXX. Isn't there some sort of statute of limitations on very old debts? 
We have not missed a payment in 13 years. And our credit is good. 
I believe we are victims of a predatory loan.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX  XXXX Balance : {$5000.00} ; XXXX XXXX Balance : {$960.00} ; XXXX XXXX Balance : {$4300.00} ; XXXX  XXXX XXXX Balance : {$710.00} ; XXXX  XXXX XXXX Balance : {$2000.00}.
Product: Debt collection

I contacted absolute XXXX XXXX  and or XXXX XXXX XXXX XXXX  and informed them they had violated my rights as a consumer on or about the week of XX/XX/XXXX and I requested Verification of an alleged debt via email to ( XXXX ). I have yet to the verification of this alleged debt. I then called XXXX XXXX XXXX XXXX XXXX XXXX XXXX  once again on XXXX XX/XX/XXXX and requested verification of the alleged debt once again including but not limited to ; 1.Documentation proving the debt is valid and owed by me XXXX XXXX XXXX XXXX 
2.Proof of assignment or transfer of the debt from [ XXXX XXXX XXXX XXXX XXXX to your agency XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
3.The original contract or agreement showing my signature.

4.A detailed accounting of the debt, including principal, interest, fees, and charges.

5.Verification of the debt sale price.

I am aware of my rights as a consumer as required by the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ). Failure to provide the requested information will result in my assumption that the debt is invalid and uncollectible.

Debt collectors MUST disclose debt sale price upon request. 2. Failure to do so may result in FDCPA liability. 3. Consumers have the right to know the debt sale price. *Impact : * This ruling : 1. Strengthens consumer protections under FDCPA. 2. Clarifies debt collectors ' disclosure obligations. 3. Encourages transparency in debt collection practices. *Citation : * XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX *Relevance : * This case supports consumers ' rights to request and receive debt sale price information.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I sent a letter to all XXXX bureau XXXX XXXX Equifax and XXXX regarding the inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel I'm being ignored of my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report if it's been over 30 days and so, they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress it caused me.

The Credit Bureaus also violated 15 USC 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are suppose to complete all investigations before the expiration of the period under section 611 ( a ) ( 1 ).
Product: Credit reporting or other personal consumer reports

GREETINGS, I APPRECIATE YOUR ATTENTION TO THIS MATTER. MY NAME IS XXXX XXXX. I HAVE SOME UNFORTUNATE NEWS. I HAVE BEEN NOTIFIED THAT I AM A VICTIM OF THE EQUIFAX DATA BREACH, WHICH HAS RESULTED IN A THEFT OF MY IDENTITY. I AM SEEKING GUIDANCE, PLEASE, I SEE THE ENFORCEMENT OF MY CONSUMER RIGHTS AS SPECIFIED IN FCRA, SECTION 605B 15 USC 1681, SECTION 2 AS AN INDIVIDUAL IMPACTED BY IDENTITY THAT I AM ENTITLED TO REQUEST A REMOVAL OF ANY FRAUDULENT INFORMATION FROM MY REPORT. THANK YOU THIS REGULATION MANDATES THE CREDIT, REPORTING AGENCIES SWIFTLY REMOVE ANY DATA THAT STEMS FROM IDENTITY THEFT UPON RECEIVING THE NECESSARY NOTIFICATION timely insure the deletion occurs within four days.
Product: Credit card

On XX/XX/XXXX I was shopping at XXXX store in XXXX XXXX XXXX I was making a big purchase and so the cashier recommended that I sign up for a card to get a big discount on the purchase. she had me sign on a little pad and I didn't understand what I was signing. I did not end up getting the discount, she said my authorization was denied or pending or something like that. I never received any card. I purchased the items without any card or discount and left the store. I did not understand there would be a hard credit inquiry. I thought the transaction was canceled when I left the store.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name XXXX XXXX XXXX XXXX  Account number : XXXX Account name : XXXX  Account number : XXXX Date open : XX/XX/year>
Product: Credit reporting or other personal consumer reports

I have disputed this credit acceptance account and landmark multiple times to Equifax XXXX XXXX and XXXX for reporting inaccurate information about my account which has effected my report for quite sometime. I have made all my payments on time and in full just to show on each company that I either havent or just with the completely different information on all three from the same account. Please delete this credit acceptance account from all three credit bureaus because they have continued to violate my rights. These accounts have been predatory and I find it quite interesting that they will fight tooth and nail to let your credit score fall almost as if they enjoy doing this to people
Product: Debt collection

I have a debt on my credit report that is not my debt. I do not know who they are, who they represent,, name has changed twice. They continued to ding my XXXX Report. I have filed a complaint with BBB ; complaint XXXX Submitted on X/XX/2017. Complaint against XXXX XXXX XXXX, XXXX Thank you for your attention to this matter.
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I tried fixing it with the company but I cant get them keep over drawing my account and so they keep putting me more in hole and I am on a fixed income
Product: Credit reporting, credit repair services, or other personal consumer reports

I had an account with Self Lender / XXXX.I have contacted them on XXXX XXXX, XXXX via letter to inform them that my account with them was reporting an incorrect payment history as well as the date the account was closed was incorrect. Self Lender is reporting 3 different closed dates with all three bureaus. XXXX  is reporting a closed date of XX/XX/XXXX, XXXX  is reporting a close date of XX/XX/XXXX and XXXX  is reporting a closed date of XX/XX/XXXX. In addition XXXX  and XXXX   are reporting late payments on XX/XX/XXXX and XX/XX/XXXX, while XXXX  is reporting late payments on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. However this account was closed in XX/XX/XXXX and I received a refund check that is attached for {$34.00} dated XX/XX/XXXX. Due to the date discrepancies and payment history discrepancies. I will like for this account to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report from XXXX, Equifax, and XXXX. I noticed alot of unfamiliar and conflicting information. i disputed all the information and requested verication of the account and documents with my signature attached. After the investigation the bureaus deem the information valid but did not provide verication of any sort. I then receive denial notifcations from potential investors that had the account information attached and described as risky behavior.
Product: Debt collection

Received a notification from XXXX card that there was a change in my credit score. My score went down over 50 points. Went to the XXXX website and there is a collections account with Perfection Collections for over {$2600.00}. I immediately called them. The lady XXXX asked if I ever lived at XXXX XXXX XXXX. I stated no, my ex husband lived there. She stated she was going to email me a paper and she would request the original paperwork from XXXX XXXX, it would take 24 hours. I received the email and immediately called her back. Asking why my name was spelled wrong. She said that is how the name was spelt with XXXX XXXX. I told her that is how his new wife spells her name. That I would never spell my name wrong. I have never heard back from them. I have left voicemail, sent 3 emails now, sent a letter through the mail. I tried to dispute it with XXXX, but Perfection collection said it was valid. The paperwork I have seen says the debt was charged off in XX/XX/2010.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am having a problem getting a copy of my Equifax Credit file. My Lender has requested several times to get a copy of my report and each time they have denied a copy. I called on XX/XX/2021 and Equifax had me fax a copy of my ID and social security card and write a statement asking them to release all holds and freezes after been told to me that there are not any holds or freezes on my account. I have spent three days in a row calling to get to the root of the problem and everyone I speak too says there are no holds on my account and then my question to them is why cant my bank get a copy of my report and why I'm I not able to view it online there answer is always that they need to call the business line. My lender did just that and still wasn't able to get my report they told them to contact me to call Equifax. I again called XX/XX/2021 spend two hours on the line to be told the same thing I was told when I called on the before is that there are no holds or freezes. They told me that I could get a copy mailed to me but it could take 10-15 days. I told them that I have been waiting months and still I have not received the one I ordered in XXXX XXXX and they have my address correct because every time I call i have to answer the security questions and the address is one of them.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to Human Trafficking debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of human trafficking of Debt Bondage and would like for all listed accounts to be blocked and deleted company information from Experian and XXXX. 

Please delete the following accounts : XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) Account number : XXXX Balance : {$170.00} XXXX XXXX Account number : XXXX Balance : {$160.00} XXXX Account number : XXXX Balance : {$1200.00} XXXX XXXX XXXX Account number : XXXX Balance : {$92.00} XXXXXXXX XXXX Account number : XXXX Balance : {$1200.00}
Product: Debt collection

American credit acceptance is reporting account on my credit that is not mine. Never had an auto loan with this creditor. I am writing to formally dispute the American Credit Acceptance information that appears on my XXXX, XXXX and XXXX  credit report. After reviewing my credit report, I have found inaccuracies & regarding the American credit acceptance that do not comply with the accuracy standards outlined in 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent hard inquires in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to helps who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications. 

The below listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 

XXXX  - XXXX XXXX - XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX | XX/XX/XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX