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

On XX/XX/XXXX I noticed my equifax score had dropped by XXXX points according to XXXX XXXX. It showed a delinquent account from a collections agency that had been fully resolved back in 2022. XXXX XXXX. It showed a XXXX balance but said it was a delinquent account. It is worth mentioning that XXXX does not show this error. 
I went to the collections company, XXXX XXXX, website, XXXX XXXX XXXX It showed account paid and fully resolved. I then chatted with XXXX XXXX. They instructed me to file a dispute with Equifax since XXXX XXXX only reports the data given. 
I signed up for equifax core service for free to see my credit score from them. It was the same as XXXX XXXX. XXXX, should be XXXX. It showed the reason as a delinquent account. When I attempted to dispute the account, equifax site showed that I could not dispute because there was nothing to dispute. I then chose to call Equifax to speak with an agent. 
I spoke with XXXX on XX/XX/XXXX. After providing my personal information again, she looked at my account. She stated that I had no collections on my file. I told her that on their website it showed i did have a collection. The agent then started telling me the generic statement of how they are not at fault, and that their information is based on the data provided by banks, collections, etc. I then asked, what information, because she stated I didnt have any collections to dispute. I then stated, i had XXXX credit. The only change on the equifax site was a delinquent collection, that had a last contact of XXXX of 2022. So " what made my credit drop then, if it isn't this error? '' XXXX stated the same statement as before blaming other entities. I then asked " so you are saying they reported incorrect information to you? '' She answered yes. I then brought up again that according to her, there is no information. I then asked, " doesnt it make more sense that equifax has an error or made a computer mistake? '' She said no sir. 
After this, i researched Equifax and was shocked to find that Equifax incorrectly reported credit scores of millions last year and were sued. The fact this company is allowed to be a major credit reporter is incredible. 
After reading that a " glitch '' created their problem last year, it surprised me how quickly the agent XXXX refused to entertain the idea that Equifax was wrong. 
There was no explanation as to what was going on. 
The facts, my credit dropped XXXX points. 
The only new negative mark was a collection with a XXXX balance. 
Equifax refused to allow a dispute because there was actually nothing there, appearing as a glitch to me. 
Equifax agent XXXX refused to help, or provide an explanation. She refused to look at the strange facts and research it further or hand it off to someone that could help. She simply focused on dismissing me. 
I worked hard to rebuild my credit and this is devastating. I did nothing wrong and it is clearly a computer error but Equifax refuses to correct it. 
The evidence is on their website. If any further evidence is needed, ask, and I will provide.
Product: Credit reporting or other personal consumer reports

Hello, my name is XXXX XXXX and after a review of my credit report I noticed an account that does not belong to me. I have disputed this fraudulent account multiple times and no one is doing anything about it. The account holder continues to report inaccurate and unlawful information that has become detrimental to my credit profile. I have attached a copy of my Experian credit report displaying each name identifying number associated with me and my credit profile. This company ; XXXX XXXX XXXX XXXX Account number : XXXX, is not reporting any of these name identification numbers. However they are reporting name identification number XXXX which DOES NOT belong to me at all! This company is also not even reporting an address for this account. PLEASE DELETE THIS ACCOUNT IMMEDIATELY
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized inquiries : XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/2022
Product: Mortgage

I am writing a complaint towards Vanderbilt Mortgage. I loss my husband in XX/XX/2017 and I struggled making my home payment because I had lost my husband income. I had life insurance money so I exhausted all of my funds paying a XXXX payment. I reached out to Vanderbilt for loss mitigation and they denied me. I went through a third party to put together a budget saying what would a resonable amount for me to afford with this home and they still said I could afford home. I have reached out to Vanderbilt several times for help. I have filed ch XXXX bankruptcy and went through a lawyer office to go through loan modification and denied loan modification and they are still saying I can afford the XXXX payment plus my bankruptcy payment plus other bills. I even wrote a hardship letter saying what I could afford. I have a 9.31 % rate and that is predatory lending. This is not the first time I have heard how Vanderbilt rips their customers off and throws people out of their homes without helping them stay in them. The government gives out funds to help with situations like this so where is VMF doing with the federal funds to the the customers that are really in need. I have even changed jobs so that I can show that by lowering my payment that I wouldnt get behind again. They are not willing to help their customers stay in the homes and they need to be investigated. They are a hard bank to deal with.
Product: Checking or savings account

Multiple submissions linked to this company XXXX XXXX XXXX XXXX in Washington State. 

This is one of the three corporate bank accounts used. Once fraudulent activity was identified, we contacted their fraud department, submitted necessary information and all claims were denied, no explanation given. 

Files attached include total fraud dollar detail, former bookkeeper admission of guilt texts and XXXX XXXX XXXX XXXX department case report.
Product: Credit reporting or other personal consumer reports

Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX - XXXX  - XX/XX/XXXX - {$710.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$1400.00} XXXX - XXXX XXXX  - XX/XX/XXXX - {$3200.00}
Product: Debt collection

There was a loan taken out in my name in XXXX, XXXX using an old address. At that time I was living in XXXX, California when this occurred. I had not lived at that address since XXXX. Furthermore, it looks like the loan was taken out electronically, and an IP search showed that it originated in XXXX XXXX, California. I have never lived in XXXX XXXX, CA. The company had been sending me emails, which I thought were phishing emails. After, the legal service I hired sent a letter to them, I was sent a collection letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent XXXX multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In XXXXXXXX responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. 

( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency.

Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 

I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XXXX XXXX  Balance : {$2900.00}.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits.This issue aligns with the recent CFPB findings against Navy Federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Payday loan, title loan, personal loan, or advance loan

Title Max XXXX told me that I could get a loan and pay it back over time. Well, they didn't tell me that if I made a payment of what the amount they have me make. It would only be an interest payment. Nothing goes toward the principal!!! So I said this loan would never get paid off under those terms. And with a loan amount of {$6200.00} I pay {$760.00} every 30 days. If I'm late by 1 day, the amount goes up until payment is received. I've been paying on this loan since XXXX of XXXX and my loan amount has gone down by {$34.00}. If you renew the loan, I would have to make a payment of interest only which is very high. But does not goes toward the principal amount of the loan. 
So all of the payments so far, have reduced the amount of the loan by {$34.00}. 
I applied for a loan in XXXX of XXXX, and still paying on the interest only to date. No action has been taken so far.
Product: Student loan

I am attempting to consolidate loans in order to have them forgiven under PSLF. The loans are not reported appropriately from NAVIENT on the FSA site, therefore I am unable to move forward. I am incurring monthly charges and the program will be expiring shortly. I am incurring financial harm due to their ineptitude. They acknowledge that this is a known problem but have made no effort to resolve it. 

I contacted NAVIENT on XX/XX/XXXX and was told it would be resolved withing 2 weeks. It was not. 

I contacted NAVIENT on XX/XX/XXXX and was told a follow up was initiated and I would be contacted within 24-48 hours via email. I was not. 

I contacted Navient on XX/XX/XXXX and was told a supervisor had been notified and would look into it. I requested a contact by that supervisor and am awaiting a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am done fighting with Synchrony Bank. This company has lied to me more times then necessary. Synchrony Bank 's customer care team told me a refund check for my account ending in XXXX was mailed on XX/XX/2022 and would be received within 7-15 business days which would have been by XX/XX/2022. I am sick and tired of this company lying to me. I even called and the person I spoke with on the phone confirmed and verified that check was mailed to my address and would be received. I am no longer going to put up with this business lying to me. I am now requesting to be protected to fight for what this business has been leading me on about. I was informed by multiple agents within Synchrony Bank 's customer service team a refund was processed and was mailed to my address on my account .I am now requesting assistance in obtaining the refund check I was promised would be mailed by this business. The amount of the refund check was for {$4500.00}. 


Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through my credit report and noticed there are a bunch of hard inquiries on my credit which I never authorized and not aware of them at all. Please fix these by removing them because they were never authorized by me. 

XXXX XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, Phoenix Financial Services added a derogatory mark on my credit report per XXXX XXXX and XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or written signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me. According to the FCRA, Phoenix Financial Services has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Beginning in XXXX while I was in the process of retiring from the XXXX I was informed that someone had stolen my identity ( name, social security number, date of birth ), and used it to obtain fraudulent prescriptions. This was investigated by the authorities and proven to be identity theft. Since then, Ive had several fraudulent pay day loans taken out under my name, fraudulent medical bills, fraudulent credit card and personal loan applications applied for, and other fraud related activities. I never received anything in the mail so as I could dispute it. I was checking my credit and one day all of the sudden I had a collections for {$290.00} from Franklin Collection Services Inc opened XX/XX/XXXX. Ive made several ( more than 10 ) phone calls to Franklin Collection Services Inc and was contestants given the runaround. No one ever returned my phone calls. I sent countless emails and once again no one returned any of the emails. So I filed a complaint with The XXXX XXXX XXXX. They responded about 10 days after I filed the complaint and said that their original creditor states that this was a debt because my VA insurance would not cover a visit to see the doctor. Since a dialogue was opened I accepted the businesss response in good faith. After Doing that I was not able to get a hold of anyone once again. Since Im a military retiree Ive had XXXX beginning in XXXX to this very day. I bring this up because I dont have, nor have I ever had VA insurance. This is not a billing issue as Ive tried to explain to them previously. This is fraud. I have several pieces of fraud related evidence from the authorities that Id be more than willing to share. I would appreciate some guidance from Franklin Collection Services Inc in how to remedy this ( remove this from my credit report ) so I can continue to rebuild my life. There must be internal company fraud forms? Surely Im not the very first person to have a fraudulent collection from this collection agency. Im fed up with this collection agency and am almost at the point of filing a formal complaint with the Mississippi Attorney Generals Office, and possibly retaining a lawyer to seek civil damages. This fraudulent collection has negatively affected me receiving financing two separate times. Thank you for your time and consideration in this matter.
Product: Credit card or prepaid card

I noticed a hard inquiry report from jp morgan chase bank on XX/XX/XXXX of this year. I wanted more information why and what this was from because I know I made no requests for anything to be done. 

I first tried to call chase bank and was told they had no information whatsoever from this date and new application data was not available after 30 days of inquiry. ( Called today XX/XX/XXXX ). This to me is obsurd. They told me I had to call transunion to dispute it. 

XXXX gave me way better information about the inquiry and alerted me chase bank sent them information tied to the wrong first name as well as a NY address. This is terrible due diligence on chase to even begin a credit check based on this information and wrong phone number to boot. This was clearly a fraudulent application that should've never gotten to a credit pull stage. 

I would like to have this hard inquiry removed from my credit report on transunion as it was clearly fraudulent and affecting my credit. Futhermore, Chase should really fix their process, I have been a loyal customer to them for a while also I will note.
Product: Debt collection

Collection agency continues to call me on my cell phone. When I answered they immediately have a recording and then someone picks up. When I asked them to identify themselves they told me the name of the company was Collection Serv. I asked why they were calling me, they told me they were calling me on behalf of a client. I asked what client, they said XXXX XXXX XXXX. I asked why they were calling me. They began by asking me to verify my ssn #, I refused. They asked me to verify my address, I refused. They told me that I owed their client. And I told them I did not know what this was about and I owed XXXX  nothing. I asked them to stop calling me. I hung up. 2 hrs later I get another call, same person calling me harassing me once again. Finally I called the number back and faxed over a Cease and Desist letter to the fax number they gave me. Next day I get another call. When I told them I faxed over the Cease and Desist they laughed and hung up on me. I do not know who  this company is but I do not like being harassed for something I know nothing about. The next month I see something on my credit report, I dispute it and tell them to send me documents that this is my debt. They refused. And as of today I still have not received anything from this agency but constant calls.
Product: Payday loan, title loan, or personal loan

I received an offer in the mail for an " additional loan ''. I applied and received an email stating that I was " Approved for [ my ] loan offer ... '' as long as I verified income, identity, etc. This was confirmed on my account page with the company, which states, " Your documents have been reviewed and approved We are currently finalizing your application. A branch representative will reach out to you to you to set up time to begin your loan closing. '' I also received an " approval '' message on the webpage after submitting my application. 

I didn't hear from a rep. so I called, but was told, " I'm not approved and will receive a letter in the mail detailing why ... '' despite having an active and recent loan with the same company. I'm okay with the denial, except I was being deceived throughout the entire process to submit information and contact the local branch to " close '' on a loan. It was a waste of my time that affected my present and future financial planning and has led to losses on my part.
Product: Debt collection

I have filed BK it got discharged XX/XX/2017 I contacted XXXX to let them know that it was discharged my attorney contact them too and they keep sending collections letters and keep reporting on my credit
Product: Debt collection

Debt has been written off and sold to another company without my permission or wet signature. Please provide my wet signature and any signed documents within 30 days or delete from my account.
Product: Student loan

On XX/XX/XXXX, I sent Navient a Cease and Desist letter stating to cease all communication to my friends, affiliates, and my employer and they have continuously harassed me through my employer and other affiliates as a result after the letter was sent.They reached out again to my employer on XX/XX/XXXX XXXXwhich violated the cease and desist letter. I have voicemails and text message of the exchanges. This is a form of harassment and must be stopped.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX