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

Equifax Information Services LLC XXXX. XXXX  XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX  XXXX XXXX XXXX  XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom

It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. This letter is a formal complaint that inaccurate information is list on my credit
report.

The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle.

The following information needs to be verified and deleted from my credit report as soon as possible :  USDOE/XXXX  XXXX  XXXX XXXX. XXXX XXXX   XXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : USDOE/XXXX
Product: Credit reporting

I SUBMITTED A DISPUTE TO TRANSUNION FOR COLLECTIONS PREVIOUSLY DELETED FROM MY CREDIT FILE, THE RE-ADDED. I AM NO LONGER LIABLE FOR THE DEBT AS IT WAS PAID BY MY INSURANCE CO.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing proof within the time frame specified by law. My credit report includes the listed erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX : {$23000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I didn't apply for XXXX checking account my identity was stolen and this account was removed off my XXXX and XXXX report but it still remains on my early warning report I wish for this account number XXXX XXXX and XXXX to be removed and disputed and find out who did this I didn't apply for a checking and saving account this is fraud
Product: Mortgage

on    XXXX   XXXX    2017 i s  ent  Carrington mor tgage company my insurance check to endorse. they cashed my insurance check and applied the the  XXXX  from   XXXX   XXXX   that was money to fix my roof to my principle balance to my loan. when i called regarding this matter they told me that it will take  2 we eks to get my money back. weeks before this i was notified in a statement that i was low in my escrow account when in fact i was n't and they increased my mortgage payment up to  XXXX  a month now I 'm paying  XXXX  but refused to give me documentations as to why or where i was short. i needed to contact my city and have the city call  Carrington mortgage company. They still have yet to get back to me or to notify what my paym ent will now be monthly. Everytime i call to address the situation they connect me to someone else then i sit on hold for almos t 45min then th e call ends up dropping. i feel violated and scared to know that these people hold my mortgage and there a re 1000 more like  me going through this with them right now. I am at a loss of words. this house is shelter for me and my family and i cant even change mortgage companies because i chose not to refinance. please help me please..
Product: Payday loan, title loan, or personal loan

I gotten this loan on XX/XX/XXXX in the amount of XXXX and I have been paying on this loan since then. I am still making payments and thought that I would be finished with this loan within a year. I have try contacting headquarters to see if this can be looked at and to no avoid the number that is for them is only a recording. For they have a local office in XXXX XXXX XXXX Fl. at XXXX XXXX XXXX XXXX XXXX XXXX FL. XXXX. I was not aware that this was a weekly loan and I informed the loan officer that I can only repay monthly in which I have done for 3 yrs. So there is no ever ending with this company and I also found that they have been sued. Consumer advocates rejoiced when Gov. XXXX XXXX in XXXX signed a law that imposed restrictions on car-title lenders. I want to get out of this predatory loan with these people for I have paid over the amount that my XXXX XXXX XXXX is worth. Need some help in getting out of this predatory XXXX of a loan from these people.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting everything must be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that possible if the number of months are incorrect and incomplete, high credit amount is incorrect, date of last active is not correct months reviewed is not correct and they reported late payments on a closed collection account which is also a violation. This ground for removal they also violated my rights under XXXX XXXX XXXX Section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instruction Also the credit bureaus took more tan XXXX  days to complete the investigation i send them a letter on XX/XX/2023 and never got a response and have mailed them more then XXXX times
Product: Credit reporting or other personal consumer reports

I sent a letter on XX/XX/year> to remove this items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any items or information not later than 4 business days. Ive already included this in my previous Complaint # & I am including it again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

I've formally requested XXXX XXXX to validate and verify the negative account they've reported on my personal credit profile, inclusive of an acknowledged agreement and transaction history detailing the balance calculation. Despite this request, they've declined to provide any documentation validating this account. However, they've reported this unverifiable debt on my credit report.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B says we must take out wrong accounts from my credit report. Can you check the papers? Some accounts listed aren't right about what they say, like the amounts and dates.
Product: Student loan

I have been dealing with XXXX since I graduated in XX/XX/XXXX. I had the loan in forbearance for several years, and each year they either lost the paperwork, did not calculate my forbearance period correctly, etc. Furthermore, I have consistently asked for information on consolidating my loans ( several times in writing ), but despite promises of sending me the information, I am still waiting almost 5 years later. Looking for consolidation information on their website is impossible, and any attempts to search for " XXXX XXXX '' and " consolidation '' leads to links resulting in an Error 404 page. In XX/XX/XXXX I applied for an income driven repayment plan ( IDR ). This was granted on XX/XX/XXXX and my new monthly payments were {$69.00} per month. 

In XX/XX/XXXX, I discovered, through one of my credit cards, that XXXX had declared my loan in default. When I called XXXX to find out what was going on, it took them almost an hour to determine that their system had bumped me out of the repayment plan *2 hours* after it had been granted and the confirmation email sent out. Yet I was never notified that I had been removed from the plan. They themselves acknowledged the payment plan and that I had paid it on-time and in full. But instead of fixing the acknowledged problem, I know have to go through this process of disputing it with them. They applied a forbearance period from XX/XX/XXXX through XX/XX/XXXX, using up all of my allotted forbearance time -- this was done without my permission. In the meantime, I am now off of the plan with no forbearance left, and they are continuing to show my payments as being in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Product: Debt collection

I have a XXXX card and never missed or made payments late. My due date is on every XX/XX/XXXXof each month and on XX/XX/18 when I tried to log in to my account to make my payment online as I do every month and I got a message saying that my account was locked for 24 hours. I contacted XXXX to unlock my online access and was unsuccessful. I was transferred several times to different representatives. I then was connected with a representative who introduced himself as XXXX and he introduced himself as a supervisor. I explained that I needed to make my payment since I travel for living and was going to be out of the country on XX/XX/18 and was advised that since my card was expiring in XX/XX/XXXX, a new card had been issued and my online access was locked until I registered the new card. I explained that I had not yet received a new card and needed to make my payment online to print my transaction and he told me that he was going to give me until XX/XX/18 to make my payment and if payment was not received by the XX/XX/XXXX, a late fee would be accessed. I explained to him that I have no control on when I will receive my card and since I have a valid card until the end of XX/XX/XXXX, I should not be locked from my online access and he said the XX/XX/XXXXwould be the date before a late fee would be accessed. I filed complaints with the XXXX  and CFPB and got a call from XXXX in the CEO 's office. I returned her call and she said that she waived the late fee and I advised her that I would make my payment as soon as I can log in to my account. She also said she was sending me a new card, so my old card is no longer valid. I am still waiting for the new card, but started to receive aggressive calls several times a day from the collections department, although my account is only 9 days late. They call and leave a recorded message or simply call and do not leave a message.
Product: Credit reporting or other personal consumer reports

Transunion has been running me around in circles for XXXX  years. I have not once seen my credit score. Lenders have turned me down because they can not see it when they pull it. I've tried everything in my power to get it fixed. They will not escalate the problem because they don't see an error and it looks fine on their end. They lie and do not care about my problem or getting it through to someone who can figure it out for me. It's making me unable to apply for apartments without a cosigner, when I've never missed a credit card or loan payment in my life and otherwise have great money habits. I'm at my wit 's end. I've tried year after year to go through this and get them to help me solve my problem and I always end up going back and forth between customer service and tech service and no one will look into my issue further than whatever basic bottom line training they received. Also, I'm pretty sure I was just talking to a bot and then it lied to me when I asked.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Apartment unit XXXX is uninhabitable stairway build too steep unable to come down or up, handrails were the wrong height and depth. XXXX is considered uninhabitable when they are dangerous, steep steps and handrails were wrong height and depth. Apartment unit infested with roaches and mice scattered all over the ceiling, walls, kitchen refrigerator, oven, and etc. It's not safe for me to live in these conditions, and wrote several email to Apartment complex manager of the roach and mice infestation and stairway and handrail build incorrect to height and depth. They never did implied to correct the issues. After my XXXX  I moved to a different Apartment Complex with XXXX accommodations and healthier for my health and rehabilitation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have accounts on my Equifax credit report that have been opened due to identity theft fraud and i did not authorize these companies to open these accounts. I have submitted the police report with the names of all the fraudulent accounts over to Equifax numerous times and by law they are supposed to block these accounts within 5 business days. I have been trying for 5 years and i have gotten no where with them. The latest was sent on XX/XX/20 and they still will not block these accounts. The accounts are listed below 1. XXXX XXXX 2.  XXXX XXXX  3. XXXX XXXX  4. XXXX XXXX which is now called XXXX XXXX  Also i have attached the police report below XXXX  Fraudulent accounts and all of these accounts were previously deleted due to the fraud and are now reporting on my credit again. 
1. XXXX XXXX  2. XXXX XXXX 3.  XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX ( there are 2 of these reporting ) XXXX  Credit Bureau 1. XXXX 2. XXXX XXXX XXXX ( 2 accounts ) All these accounts on all credit bureaus have been disputed numerous times.
Product: Vehicle loan or lease

I have attempted to make my monthly payment online through Ally 's website on multiple occasions. The first payment was made on XX/XX/XXXX ( confirmation number XXXX ) in the amount of {$1000.00}. The following day, I received a notice stating my payment was suspended. I contacted Ally customer service and explained what happened. I was told that because the account was still under repossession status, that is why the payment was rejected. The customer service rep assured me that the account was updated and that on the next business day a payment can be made. On XX/XX/XXXX, a new payment was made ( confirmation number XXXX ) in the amount of {$1000.00}. On XX/XX/XXXX I received another email stating my auto pay was suspended AGAIN. On XX/XX/XXXX, I proceeded to do a chat with a representative to correct the issue yet again. During this chat, I am told that I have to make 6 consecutive payments with certified funds. At this point my payment is late and my XXXX payment is now due. Given we are in the middle of a pandemic, I am attempting to make a payment online and avoid going to a financial institution ( which is currently closed ) to obtain a certified check. Ally will not assist me in allowing me to make an online payment via my bank account. This request is utterly ridiculous. I proceeded to contact Ally customer service at the 800 number to speak with a supervisor. The first representative hung up on me after I complained. The second representative attempted to help me. However, instead of presenting a solution to the online payment dilemma, the representative attempts to convince me to apply for a 30, 60 or 90-day extension due to COVID-19. She advises me that my payments would be added to the end of my loan. I am not having financial problems that I need to apply for an extension ( and pay more in finance charges ). I DO NOT NEED AN EXTENSION. I JUST WANT TO MAKE MY PAYMENT. Why is this so difficult?! I requested to speak with a supervisor. The representative placed me on hold and after 3-5 minutes on hold, she hung up on me. I am beyond frustrated with Ally at this point. I have own several vehicles of which I financed or leased with Ally. I have never had such a horrible experience before. 

I am requesting a call back from a supervisor/manager to resolve my issue immediately. I want to be able to make my online payments again.
Product: Student loan

In XXXX, I first submitted an application for XXXX  Loan Forgiveness. I have been XXXX for XXXX XXXX. My application was kicked back because my chief administrator wrote my end work date was XX/XX/2022 and Great Lakes wrote that a future date could not be listed. 

My superintendent filled it out again this time listing the current date & signing the current date. 

My application was kicked back again because Great Lakes argued I didnt complete section 3 about previous loan forgiveness. That was incorrect and I had the copy proving it was complete. I resubmitted it to Great Lakes with a note saying it was complete. 

Today, I spoke on the phone with a supervisor at Great Lakes after my application was denied a third time because The certifying officials signature date is before the end of the academic year this was exactly what Great Lakes asked them to do the first time they denied my application. 

I spoke with the supervisor nearly an hour. First he argued that my XXXX XXXX XXXX was this year XXXX  We counted together on the phone XXXX, XXXX, XXXX, XXXX, XXXX is XXXX years. He agreed and put me on hold. Then, he told me the application was only accepted after XX/XX/XXXX. I asked where that was written in the document, he put me on hold. He came back after XXXX minutes and said its written on the Department of Education website that only XXXX years can be listed on the application, no more than that. I asked him to direct me to that on the website and he said okay it isnt written there its just a rule. I asked how that is a rule if it is not listed. He told me the only way my application could be accepted if it was resubmitted all over again.
Product: Credit card

There was a home invasion burglary of my home in XXXX, XXXX. Since then I have had my identity hijacked, and am the victim of identity theft. I have been bombarded with attempts to open credit in my name on a regular basis for the last year. I have placed a FRAUD ALERT that requires the creditor to call me before approving new credit in my name. So far this method of protection has protected me against about 30 attempts to open new credit in my name. However, on XXXX XXXX, XXXX, I received a letter stating that Synchony Bank in Florida had issued a new Walmart credit card to a XXXX " XXXX ''. Please note that is not my current last name! I called them, and they would not close the account, even though I informed them of the fraud! They did check the credit bureau prior to issuing credit. If they had checked the credit report, they would have seen that there was a " FRAUD ALERT '' requiring that I be called prior to approving new credit. They did NOT call me! I was forced to call Walmart Corporate office to inform them of the fraudulent credit card approved by Synchrony! Walmart Corporate assured me that they had closed the fraudulent account. I would like to file a complaint against Synchrony Bank for issuing fraudulent credit that could have been prevented if they had followed policy and checked the credit report, and then called me before issuing credit as specified in the credit report!.
Product: Mortgage

My mortgage company paid my property taxes. 
I do not escrow for taxes or insurance. 
During COVID, the tax office was nonresponsive in my attempts to remove my homestead exemption to pay the full tax rate and move my homestead to my primary residence. During that time, my mortgage company paid the tax bill and sent a letter stating it was paid. I called the same day I received the letter and explained the cause, paid the taxes to the mortgage company in full over the phone. They were trying to collect ecrows and escrow overages for taxes. The gentleman i spoke to assured me the payment would allow the to " fix '' the account before my next payment was due. 
This did not happen for 3 months. I called a significant number of times and wrote to them through their electronic messaging system. Each time they gave me non-answers, would NOT accept my payment and kept saying it was in review. They would not accept my payment until I received the last response stating they realized they only charged me for the taxes without the penalties. I had no way of knowing what they needed me to pay without calling and they appeared to have overlooked penalties. I paid the penalty amount to them that same day and they took a few weeks to update my account, then they were able to accept my payments - 3 months payments. I'm furious as to how this could happen. 

In the days of COVID, where people could place their mortgage on deferment- I didnt- I was making my payments. I dont understand why they couldnt have place some kind of hold on my account until they fixed it, if they were not willing to accept my payment.

After numerous attempts to get them to address this- my credit report still shows I was late 3 months in a row. 

I need assistance please. I dont feel it's fair to have been forced into this situation.