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

I received a copy of my credit reports, I have never done business with this company. I have called several times. They have incorrect information concerning my identity. I asked if they could send me evidence of this opened account and I have not received anything and it has been over 30 days for the credit bureaus investigation. 
XXXX Account XXXX : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

Trying to negotiate a short sale on behalf of an estate with Select Portfolio Servicing and it is a nightmare. Our company has done hundreds of these types of transactions. They state that they do these transactions but their communication is awful. We keep getting the constant run around. They don't email, they don't call and they respond by paper letter with very vague updates and no answers. There is a buyer involved in this transaction that is angry and their only recourse is to bother their agent who constantly reaches out to us and we can't give any real answer.. The buyer came up to the counter offer back in XXXX. Generally, within a week we would have an approval letter on this transaction but not with this company. They are rude, extremely unhelpful and give no real updates that make sense. They keep starting over their XXXX day review process every time we email or call for an update. We demand an answer no matter what it is so that we can close out the file. We have provided everything that they have asked for and more and we demand a resolution. We have even gone to their Ombudsman department with not proper rectification.
Product: Checking or savings account

Back in late XXXX I attempted to close a retirement account with Wells Fargo. The account was funded by XXXX XXXX by way of a weekly prevailing wage contribution, which began in XXXX of 2015. The account amassed a little over {$16000.00}. When I inquired with the account representatives via phone calls about closing the account they told me the account had a loan balance of approximately {$300.00}. The amount outstanding would be deducted from the balance as well as a {$40.00} service fee, and finally AFTER their deductions a 20 % Federal income tax fee would be calculated from the net amount. The loan had already been paid in full, so this was a flat-out LIE. Since this time I have observed the account still having a balance of {$300.00}. So I called them to have the remaining {$300.00} sent to me. They said sure they would AFTER they again deducted another {$40.00} service fee and an additional 20 % Federal income Tax from the remaining $ XXXX.AGAIN THEY ARE SCAM ARTISTS. They claim to be a part of Wells Fargo but in truth they are NOT. Their phone number is : XXXX ... ... CONSUMER BEWARE ... ... ... ....
Product: Debt collection

XXXX I sent a validation of debt request Notice pursuant to 15 USC 1692g asking for an audit trail of the alleged debt and for I C System to Cease and Desist collection activity on my consumer report. 
XXXX The Notice was received by I C System Office, and the green return receipt was sent back to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report today and a company, Healthcare Financial Services, has reported to the credit bureaus that I have an outstanding balance on a medical debt in the amount of {$1500.00}, which was reported on XX/XX/2018. 

I remember paying this debt and checked my credit card statement, which reflects payment was made on XX/XX/2018 in the amount of {$1500.00}. 

I contacted Healthcare Financial Services and just reach their voicemail. They have not responded to my inquiries. 

Contact information for Healthcare Financial Services is as follows : Healthcare Financial Services XXXX XXXX XXXX XXXX. 
XXXX, WV XXXX XXXX : XXXX.
Product: Vehicle loan or lease

The car was a total loss, the loan was paid off and it had XXXX. I received a refund check for XXXX dated XX/XX/XXXX. This check was made payable to myself and XXXX XXXX ( other borrower ). The check was signed by both of us and placed into my XXXX account via Remote deposit on XXXX XXXX. XXXX took out the funds from my account on XX/XX/XXXX and said the check was unpaid by Ally for " Refer to XXXX ''. I contacted Ally on XX/XX/XXXX and asked that a stop payment be placed & a new check issued. I called back on XX/XX/XXXX and was told by the agent the check was cashed and paid to XXXX. I explained I have the letter from XXXX telling me it was not. She asked I fax it in. I faxed to XXXX on the XXXX. I called again on XX/XX/XXXX and was told the fax was not found. I asked to escalate & the agent said she would open a request for a call back. I submitted a XXXX XXXX Report on XX/XX/XXXX. I got a call back on XX/XX/XXXX & was told the fax was found & it will be handled by their payment area. I should hear back in a week to 10 days. I heard nothing. I called the escalation area at XXXX on XX/XX/XXXX and XX/XX/XXXX and left a message. To date I have heard nothing.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm nervous and shocked! My credit score is so bad! What happened to my account? I cant even sleep and eat! Someone hacked my personal information because otherwise I don't understand how I get these accounts on my name
Product: Debt collection

Received an email from " XXXX '' I clicked on the email thinking it was from a coworker named XXXX. This email was misleading and did not state who it was from until I opened it. It was a collection agency Resurgent Capital Services disguising themselves as a friend on my email. I called them, they stated I owed a debt to XXXX XXXX XXXX XXXX XXXX  from XXXX or XXXX. I explained that I was incarcerated at that time. They asked if I was disputing the debt I stated no the debt isn't mine. Today I received a letter from them stating the original collection agency LVNV could not sue me due to the length of time and the law limits and they were taking over the debt. I have no idea who this bank is or what the debt is for. I have settled old debts with Resurgent last year and don't have a problem taking care of my old debts but something from 20 years ago while I was incarcerated that is not mine I'm not paying for it. I have taken care of my past wreckage and I have changed my life.The letter states LVNV is the current owner of the account but the body of the letter states Resurgent is servicing it? If LVNV cant collect how can they still own the debt? They need to find out who made the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Debt collection

I mailed XXXX XXXX a dispute letter asking the company to verify a collection debt. On XX/XX/2018, I received a credit card statement showing the account was closed and charged off. I have no knowledge of this account. A bank statement is not sufficient proof. I need a copy of a signed credit card application from the original creditor to prove that this debt is mine. I don't recall having this credit card account, nor making purchases on the account. I would like to see a copy of payment history, because I've never made a payment to the original creditor. Please have XXXX XXXX to provide a document bearing my signature or some kind of proof that indicates I've accumulated this alleged debt. Please investigate this complaint.
Product: Credit reporting or other personal consumer reports

I gave the company XXXX XXXX to re-investigate these accounts : Account name : XXXX & XXXX account number XXXX, Account name : XXXX XXXX XXXX  account number XXXX, Account name : XXXX account number : XXXX, Account name : XXXX XXXX account number:XXXX, Account name : Sunbit account number XXXX, Account name : XXXX account number : XXXX, account name : affirm account number : XXXX, account name : affirm account number : XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number : XXXX, Account name : XXXX account number XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX  account number XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX account number:XXXX, Account name : XXXX  account number : XXXX, Account name : XXXX  account number : XXXX and they have not yet give me any results
Product: Credit reporting

There is a person listed on my report with my same maiden name living in XXXX, WI that is not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX  about the XXXX XXXX XXXX card being reported on my credit report and was informed that could not find any application or account in my name. This account is fraudulent and needs to be removed asap. I am unaware where XXXX, XXXX, and Experian is getting my information from if XXXX XXXX XXXX  said they have no such information in their system. This is identity theft pursuant to 15 USC 1681a ( a ) ( 3 ). I never authorized XXXX XXXX to use or transfer my identification to any company. This is defamation of character to report negative inaccurate information about a consumer. I tracked my certified letters to the reporting agencies, and they failed to respond or open an investigation. This is not a request to reinvestigate but a demand to remove tradeline due to failure of proper investigation into inaccurate information being reported. I DID YOUR JOB BETTER THAN YOU DELETE THE TRADELINE
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit reporting Act Account # XXXX, has violated my rights. 
XXXX {$930.00} XX/XX/year> 15 U.S.C 1681 section 602 A. State i have the right to privacy. 



15 U.S.C 1681 SECTION 2 : IT also STATE A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute asking Equifax to investigate incorrect information on my account, with the dispute I sent in a copy of my license and social security card. On XX/XX/XXXX I was sent a letter asking for identification which I sent in twice already. After doing my first dispute I didnt get any results after 30 days I did a second dispute and was asked for identification so I did a complaint then received a letter XX/XX/XXXX stating my dispute was being processed and I will get the results by the 30 days of my previous dispute. Which that time has passed and still no results. Equifax was recently on the news for not updating and processing people correct information and scores. My rights are being violated as per the Fair Credit Act.
Product: Student loan

The CEO of Discover Financial will not return my emails. I tried to consolidate my high interest loan but they will not approve me. I have excellent credit and they wo n't work with me to lower the interest rate. I will end up defaulting pretty soon.
Product: Debt collection

I received a garnishment of my medical set aside on XXXX  XX/XX/XXXX so that I would not be able to contact the debt collector until Monday XX/XX/XXXX. This might be okay for the average person but I have XXXX  and XXXXXXXX XXXX XXXX  and finding out that someone has stolen over {$5000.00} of a medical set aside when I am on XXXX and XXXX  is devastating even causing more serious medical issues. Please help me. I do not know what to do. On XX/XX/XXXX I called to follow up on the previous information I submitted to CFPB, in doing so I found out there were 5 different collections company. It started with XXXX XXXX XXXX  dating back to XXXX. The account was closed in XXXX and sold to the first debt collector, XXXX XXXX. Following XXXX XXXX, it was sold to another company XXXX, for the amount {$2200.00}. They received a judgment for that amount dated XX/XX/XXXX. There is also another company involved XXXX XXXX XXXX. I spoke to XXXX, the third company, yesterday and they could not understand why it was not settled. The last was company Kirshenbaum Phillips & Levy. There was a XXXX XXXX XXXX that worked for XXXX XXXX, and now works for Kirshenbaum Phillips & Levy. This person could be dealing with the debts from back XXXX and this could be personal I am not sure. This debt dates back 16 years and it has been held by 5 different debt collection companies. There was a recent law that passed and changed the amount of interest debt collectors could get from individuals from 9 % to 2 or 3 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reported 5-8 negative items on my credit report that are incorrect and in violation of the FCRA several times. 
These are the dates I sent certified letters : XX/XX/18 XX/XX/18 XX/XX/18 XX/XX/18 I sent letters to each bureau Equifax, XXXX, and XXXX. I never received my results only a free copy of my credit report. I do have proof that letters were received by them. I also tried to delete a few addresses off of my XXXX   account and they refused. This is causing major issues in my personal life and need these items removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have been an a victim of Identity Theft for a few years now. XXXX XXXX XXXX XXXX placed a collection on my credit report that was from Fraudulent Activity. I have contacted XXXX XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. 

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! PLEASE REMOVE THIS FRAUD ACCOUNTS ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported late fees for my account with them the entire year of XXXX, XXXX and several months in XXXX. I have paid these payments on time but for some reason they have been reported as late which is preventing me from moving forward with getting my credit report and score updated to a positive number. This is preventing me from purchasing a home. I have contacted the company, I have emailed the CEO of the company in which they denied to look at my account to correct the issue. I have sent letters and they have not been answered. I sent my payments in and they have been reported late although they were on-time.
Product: Checking or savings account

I am the FPOA for my XXXX year old feeble mother. 
On the XXXX of XXXX I was conducting an online wire transfer for a {$3200.00} ride-on lawn mower being purchased from my step-son that he had delivered that day. The transaction was flagged as a fraud alert, so I completed the transaction using XXXX  from a different bank. 
The next day I noticed the account had been locked so I called the bank, with my mother in the room and spoke to the bank 's fraud department. They asked her to identify herself and asked numerous questions, which I had to help her with because she is hard of hearing and has a very poor memory. She is also a recent XXXX  after my father died and he did all of the banking, so she is unfamiliar with how things work. She has also never had a computer or a cell phone. 

The bank people were completely unhelpful and I eventually told them to close the account as we had opened a new account close by, as Wells Fargo do not have any branches in Oklahoma. They initially told me they could send out a cashier 's check for the balance, but when they found the balance was over {$50000.00} they retracted the offer and said she would need to go into a branch. I explained that the nearest branch was XXXX miles away in Kansas. They then offered for me to write a letter for them to close the account. At this point, I got extremely angry with the fact that they had asked a dozen questions to identify my mother yet would accept a letter. 

I told them that forcing my mother to travel XXXX miles round trip with XXXX hours on the road, just to close an account was elder abuse and I wanted to register an elder abuse complaint. The woman on the phone gave me a very cryptic complaint file number that I had to cross check, double check and triple-check with my wife writing it down because it was full of hard to understand letters. My mother would never have been able to understand it. This in and of itself seems deliberately designed to be an elder off-put. 

The following day, I drove my mother XXXX hours round trip so she could close her account. 
To date, XX/XX/24 the cashier 's check funds are still being held by Wells Fargo. 

Yesterday, we had the Oklahoma Adult Protective Services come to the house and speak to my mother as a result of Wells Fargo notifying the authorities.
Product: Credit reporting, credit repair services, or other personal consumer reports

They show that I paid late but it was actually as a result of their late fee which I was never informed. They never attempted to contact me either. I have tried through all three credit reporting agencies and also directly though XXXX Bank who refuses to rectify the problem.
Product: Mortgage

PNC Bank has taken over the servicing of the loan on my home that I live in. They are refusing to provide me monthly statements as I received from the previous loan holder. I have several other mortgage loans I received monthly statements on without problem. I am also a licensed XXXX XXXX XXXX and work in XXXX XXXX. It is important to me to be notified of my current monthly standing with my loan. I want to verify my payment was received and the funds were correctly applied. I frequently pay more than the amount due and have seen it incorrectly applied in the past. I also want to be up to date on my tax and insurance payments. I have read online the Dodd-Frank act made these notices a requirement.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax dropped my score over 40 points Nothing new occurred no new accounts no late charges etc. went from almost 800 down down below 750 XXXX just did the same thing And XXXX No reason given how can a score dropped over 40 points in less than a month When all my acts are paid off and up to date This is unfair Ive tried hard for a great score Thank you XXXX XXXX
Product: Student loan

Through nelnet, I tried to lower my monthly payments significantly due to my income. Orginally, my loan payment was almost {$800.00}. I also have private loans where my loan payment is {$900.00} a month and I could not pay either. I asked them to put me through a process to see if I can lower my monthly payments. I was put on foreberance for a month while they looked it over. I told them I needed more time than a month they said that 's all they could do. I also asked them if they could give me a general idea of what my new loan payment would be and they said {$150.00} due to my income. It took them over a month to process all my information. In the end they made my new payment {$300.00}. Something I still can not pay every month. I 'm now 60 days late. I either catch up on navinet or not pay my private loans. I constantly have to choose between XXXX or the other. I 'm so in debt I ca n't even live my life. I work XXXX jobs now and I 'm not able to get by. I tried to reach out to nelnet to see if they can help me out and they said there is not much they could do. I need help.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. XXXX Account # XXXX was open fraudulently. An FTC Identity report is attached.

Correction to my credit report. I demand the account be remove from my credit.
Product: Credit reporting

Equifax continue to willfully violate my rights pursuant but not limited to the " FCRA '' with negligent noncompliance. Equifax continues to report inaccurate information that was blocked due to identity theft pursuant to the FCRA 605 B ( 15 U.S.C. 1681C-2 ). An Equifax consumer credit report was acquired on XXXX/XXXX/2015 from Equifax Mortgage Solutions which still contains fraudulent accounts in which were deleted from my Equifax Consumer Credit Report which I have also uploaded. Equifax continues to ruin my life by inaccurately reporting fraudulent accounts in addition to violating 15 U.S. Code 1681i ( C ) and ( D ). I have been denied life & liberty due to this companies negligence and have done all that I can do to obtain remedy through the agencies that govern them.
Product: Debt collection

I FOUND A MEDICAL BILL ON MY CREDIT REPORT OF WHICH I NEVER RECEIVED ANY COMMUNCATION FROM NATIONAL RECOVERY AGENCY AND WHEN I TRIED TO CALL ON SEVERAL OCCASIONS NO ONE PICK UP THE PHONE I WAS ON HOLD AND NO ONE ANSWERED THE CALL THE FOLLOWING IS THE DATES AND TIMES AND HOLD TIME XX/XX/XXXX19 OVER AN HOUR TRIED BOTH LOCATIONS XXXX AND XXXX FROM XXXX-XXXX XX/XX/XXXX19-WAS ON HOLD FOR OVER 30MINS AND I  CALLED BOTH LOCATIONS AGAIN FROM XXXXXXXX-XXXXXXXX