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

I XXXX XXXX XXXX, as the duly appointed Subrogee and Executor of the XXXX XXXX XXXXXXXX XXXX XXXX  ( and any and all derivatives spelling ) have been seeking for immediate action and fiduciary trusteeship oF EQUIFAX due to erroneous information reporting on our credit profile, false and misleading information, defamation of the character and breach of privacy on the estate. EQUIFAX has failed to properly remedy and investigate this matter. SEE ATTACHMENTS for further detailed and all notices and documents that have been sent to EQUIFAX, including USPS tracking number and screenshot of date of delivery. You EQUIFAX are reminded of your fiduciary obligations under trust law, which obligate you to act in good faith and protect the interests of the Beneficiary ( XXXX XXXX XXXX ). One of the principles of equity is " One who comes to equity must come with clean hands ''. EQUIFAX has a fiduciary RESPONSIBILITY to be in honor and act in good faith. Im expecting no more than 5 ( five ) business days for our credit file to be updated with the accurate information and status [ SEE ATTACHMENTS ], as it should have already been. Another principle of EQUITY is " Equity recognizes what should have been done as already done ''
Product: Student loan

Sometime in XX/XX/XXXX a loan was issued in my name which I did not apply for or sign for. I found out about the loan from my credit report after {$600.00} of interest had accrued. I called Sallie Mae to inquire as to how they could allow someone to take a loan out in my name without my signature or notifying me. I was told someone had my information and I was stuck with the loan, it was my problem. As interest was accruing and I feared my credit report would be damaged I had to take out a loan to pay Sallie Mae in XX/XX/XXXX. I never received a promissory note, loan terms of agreement or any communication from them regarding this loan prior to it being reported to the credit bureau. I felt like the response I received was very irresponsible and left me feeling angry, taken advantage of, hopeless and without recourse.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts in question : XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5700.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4000.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$5200.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7600.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$4300.00} XXXX XXXX XXXX XX/XX/XXXX with a balance of {$7900.00} On these mentioned accounts, they state I had XXXX missed payments on the dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

These accounts have never been late as they have been in deferment while I was attending school. I am uploading the Transaction and Payment spreadsheet that has been downloaded directly from the XXXX XXXX Website. There have never been any late payments posted. I have reached out to the account holder and they have been unable to provide me any documentation regarding these accounts. I have also disputed this with XXXX, XXXX, and Equifax with no change. I would appreciate if these late payments are deleted from my credit report.
Product: Vehicle loan or lease

I had a loan with Wells Fargo. Becuase of covid, i requested extra time to pay. Thier customer service department agreed to it, however they reposossed my car shortly after agree to new terms. Thier customer service was horrible. They lied.
Product: Credit reporting or other personal consumer reports

Account reporting is inaccurate. proof of payments within time frame was provided. Account was not 60 days past due. This is not a similar complaint. This is a new complaint about a new issue.
Product: Payday loan, title loan, or personal loan

I paid off my loan with Goodleap LLC in the amount of {$14000.00} on XXXX XXXX 2023 however, my bank sent the wire transfer to Goodleap for {>= $1,000,000}, an overage of {$94000.00}. The excess amount was meant for another mortgage company. Its XXXX XXXX 2023 today and Goodleap LLC promised to return the overage within 14 to 30 days. Its 30 days plus and still no return of funds. 
I spoke with Goodleap on numerous occassions, they will not transfer me to the appropriate department. They told me they would wire transfer back to my bank, My bank XXXX XXXX  sent them wire instructions for return transfer. Still the funds have not been returned. 
XXXX XXXX was the last person I spoke with XXXX XXXX, she informed me there would be no wire transfer, and that now a check would be issued.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been paying down my credit cards for months to inprove my score and it's been working till this week. On XX/XX/10 Transunion dropped my score XXXX points and upon checking for the reason, I found the only change was a decrease in credit card balances from me paying off cards. I tried to resolve this with them, but got no help at all.
Product: Debt collection

To Whom It May Concern About two years ago, before XX/XX/2018 I changed my phone number from XXXX XXX XXXX to XXXX XXX XXXX. It seems that shortly after I received very frequent calls from what appeared to be debt XXXX asking for " XXXX XXXX  '' " XXXX XXXX XXXX '' " XXXX XXXX '' " XXXX XXXX  '' At one time I was able to trace back the number to American Express, and I had several conversations with American Express also in response to my Corporate Business Card. American Express confirmed there was some suspicious activity on my phone number and perhaps even my corporate credit card, so I swapped out the credit card for a new one with a new number. 

However, the calls asking for " XXXX XXXX '', or " XXXX XXXX '' did not stop and they came from different numbers, some did not reveal their identities and were unable to provide callback numbers. 

Further, I have now a confirmed report from my mother-in-law who lives in XXXX ( XXXX XXXX XXXX ), who I frequently send text messages to and call. She also got a call from someone requesting " XXXX XXXX XXXX '', and I am following up on this as well. So far I have not noticed any activity on my smartphone which suggests it was taken over by a hacker but I am considering a phone number change and a new phone if the problem continues, however this is a costly action to take. 

At this moment I have not experienced financial losses but it appears there are criminals hacking my contact list and/or trying to take over my smartphone.
Product: Debt collection

I have been harassed with phone calls about this debt and i have told them before i do not know anything about this debt and they need to remove the false information from my credit report.
Product: Mortgage

Every since I paid my escrow shortage in full ( {$2400.00} ) on XX/XX/2020 PHL disbursed my escrow money as payment instead of putting it in escrow. Now my mortgage account is messed up causing PHL to put a negative score on my credit report and sending out default notices and harassing frequent phone calls. I have never been late with a mortgage payment as of date. I have contacted PHL via phone-email with each representative expressing the account is being fixed. It has been four months and my credit scores has been trashed. ( XXXX dropped 77 points- XXXX   dropped 90 points and XXXX XXXX XXXX points ) Again, I have never missed a payment and paid my escrow shortage in full but my credit score has dropped because PHL reported that I have missed payments. Tired of receiving default letters and harassing phone calls daily because THEY can't keep their accounting straight. I am being charged unnecessary late fee and now I am trying to sale my house and they are implying I owe them back payments which I do not. I have filed complaints with XXXX of CT, NY Department of Financial Services and the Mississippi Department of Banking and Consumer Finance.. Can you please help me resolve this issue?
Product: Debt collection

They sued me for a debt that was more than 10 years old from XXXX. The lawyer was XXXX and XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX NJ XXXX number XXXX XXXX XXXX the the company was Velocity Investments LLC XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX. They are garnishing my pay without showing any proof that I owed the debt. I sent numerous letters to them but they moved forward with garnishing my wages. They sent me documentation that they bought the debt from someone back in XXXX I have several receipts from certified mail sent to all the parties involved letting them know that this debt was both not mines and it was too old to try to collect. 
The garnishment was for XXXX and they are taking 200 to 250 out of my paycheck every period. It feels like I'm being robbed
Product: Credit card or prepaid card

I have contacted Customer Support regarding dispute ( s ) filed and was informed that I would be receiving credit ( s ) back ( charge back in my favor ) however, credit ( s ) never posted. I have spoken to a Supervisor including, filing a complaint with the XXXX and issues have not been resolved. Since the issues have not been resolved, credit card was closed out and the annual fee has not been credit back as previously indicated.
Product: Credit reporting or other personal consumer reports

These Credit Reporting Agencies XXXX, XXXX, TransUnion, Has Placed Inaccurate Information On My Consumer Report. I Pursuant To The Fair Credit Reporting Act ( FCRA ), This Is A Violation To My Rights As A Consumer. Please See Attachments!!!
Product: Debt collection

I have an account on my credit from AFNI # XXXX in the amount of {$260.00} This account do not belong to me. I would like the company to provide documentation including a signed contract with my signature validating that this acct belongs to me. if they are unable to provide documentation I want this removed from my credit immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Equifax several times regarding inquires on my credit report. Let me first start off by saying that I completely understand that inquires are a part of factual data and I am not disputing the fact that these inquiries were put on my credit report due to fraud or identity theft. However, I contacted each of the following companies XXXX, XXXX XXXX XXXX, XXXX XXXX  and XXXX XXXX  asking if they would remove the inquiries from my credit report and they agreed. I then sent these letters to Equifax showing that the original creditor has agreed to remove the following inquiries from my credit file and I asked for Equifax to open a dispute to remove them. All 3 times I disputed these inquires Equifax responded that inquiries are a part of factual data They did remove the inquiries from my credit report nor did they open an investigation to dispute with the original creditor regarding the inquiries. This is why I am filing a complaint against Equifax. Equifax has failed to conduct a reasonable investigation regarding the matter which is in violations of the FCRA. I am requesting that Equifax remove the following inquiries from my credit report ; XXXX XXXX  XX/XX/18, XXXX XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18, XXXX XXXX  XX/XX/18 and XXXX XXXX  XX/XX/18.
Product: Credit card or prepaid card

see attatched XX/XX/XXXX FRAUD CLAIM DATE XX/XX/XXXX {$470.00} Confirms All USAA Temporary Credits at beginning of investigation MUST BE MADE PERMANET UPON COMPLETION OF INVESTIGATION. The above isuue took a Year XX/XX/XXXX TO XX/XX/XXXX to Complete this investigation to MAKE TEMPORARY CREDITS PERMANET. see attatched XX/XX/XXXX statement of Beginning Temporary Fraud Investigation Credits XXXX & XXXX XXXX. LISTED AS ADJUSTMENT PURCHASES TOTAL {$1.00}, XXXX. XXXX WHY ARE THESE with cute little minus signs?? XXXX NOT INCLUDED IN THE TOTAL CREDITS LINE JUST UNDERNEATH THEM.?? XXXX MAKING THEM APPEAR. ( ** AS IF** ) THEY TOTAL ON TOTAL LINE AS ALL MATH?? Kindly Note. ALL USAA FRAUD CREDITS ARE HIDDEN INTERNALLY. USAA CONFIRMS WITH STATEMENT XX/XX/XXXX {$1.00}, XXXX ADJUSTMENT PURCHASES TEMPORARY CREDITS JUST PLACED TO BEGIN INVESTIGATION ** NEVER MADE PERMANET. USAA OWES ME {$470.00} FOR XX/XX/XXXX & {$1700.00} FOR XX/XX/XXXX UNAUTHORIZED REPORTED TO BEGIN AN INVESTIGATION NEVER COMPLETED.
Product: Credit reporting

I try uploading documents on Experian website and it would not upload pdf files so I can remove a delinquency from child support that should not be on my credit report. I have a letterhead from child support asking them to remove this account from my credit report. I was told by child support this letterhead document from child support should remove this delinquency from my report right away. Experian is reporting account XXXX as a collection and also that I owe {$870.00}. This account is not in a collection account and I owe {$0.00}. I want Experian to remove this account right away base on the evidence I uploaded to this complaint and also fix their website so it can upload pdf files as they stated on Experian website dispute. Report Number XXXX
Product: Debt collection

Security Finance has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with SAFCO. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SAFCO with no successful resolution. XXXX, XXXX, and XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late.
Product: Student loan

I requested that my payment plan and monthly payment amount be returned to what it was before the XXXX forbearance period. I was harassed by continuous email reminders to re-certify my income for IDR plan even though I later found out that this was not required during the XXXX forbearance period. I submitted an IDR income re-certification, and now my payment plan is {$100.00} more than before the XXXX forbearance period and they applied one more month of administrative forbearance to my loans, which adversely affects the number of eligible payments that will count toward PLSF. I feel cheated by FedLoan and their inability to promptly respond to correspondence. In addition, more than three months have gone by since I requested that FedLoan return the payment I made in the beginning of the XXXX forbearance period. I have yet to receive any correspondence acknowledging the request.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX an identity fraud took my driver license and went to a Chase branch in XXXX to perform an unauthorized wire transfer. They were able to issued {$18000.00} out of my checking account plus added {$40.00} fee including wire transfer fee and card replacement fee. The impersonator was able to do that with just a driver license without an account number or debit card. I filed a claim with Chase as soon as I saw the suspicious activities through email. I also worked with the local police department and they started their investigation. 

Chase claim department denied my claim in a week, they said due to the lack of evidence. Since then I have tried to fax them information about my whereabouts to prove that this is an identity theft case. After multiple attempts of faxing them the documents, they said they do not need this but a police report. I got the police report from the detective on XXXX. Since then, I have tried to fax the Chase claim department the report but they gave me the wrong department fax number every time. I have tried at least 10 times on faxing them the report after spending hours on customer service. Finally I was able to speak to a supervisor on the claims department and he direct me to the right fax number and mailing XXXX XXXX XXXX XX/XX/XXXX. This time they received the report electronically and in mail. Today when I call back to ask for the status of the claim, they told me the claim is denied again and there is nothing they can do to recover my funds even the police report has stated that this is an identity theft case and also I have a XXXX case with the state police. Not only they denied my claim, when I tried to inquired further, they hung up on me.

Since the claim was opened with Chase, I have spent many hours speaking with customer service, running around to local banks, getting stressed about whether they received the fax or not. They often route me to the wrong department over the phone and have told me a wrong fax number many different times. They denied my claim base on that was a valid ID and the Chase branch was within 30min from my home location. Despite I have evidence from both XXXX and the Police that it's identity fraud. It's not my fault that the identity theft took my ID and did fraudulent activities. I should not take the loss, Chase should have a better fraud prevention at the first place. They didn't require a second identification despite the large amount of wire transfer. Also the woman shown in the surveillance footage does not resemble me other than we are both XXXX.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$29000.00}
Product: Credit reporting or other personal consumer reports

My latest credit report shows credit inquiries that I did not authorize, kindly do some actions regarding on this incorrect credit report.
Product: Payday loan, title loan, or personal loan

The company, Lending Tree approved me for a loan of {$3000.00}. They had me send money back through XXXX XXXX for verification as well as buy a gift card for some odd reason. Theyre still having me do unconventional methods to receive funds but still havent received my funds. I believe the company is fraudulent.
Product: Debt collection

I am writing to dispute a charge of {$680.00} to my credit report on XX/XX/2019. The Charge is in error because it should be paid by the Fault party involved in the car accident. 

I won the lawsuit on the car accident case with my attorney XXXX XXXX XXXX. All the damages and medical bills caused in the incident should go directly to the Fault party.
Product: Debt collection

You can not report a balance owed on an account you have sold to a collection company this is illegal and I request you remove this account immediately you are in violation you have negligently and willfully violated 1681s2 ( b ) of the Fair Credit Reporting Act ( FCRA ) by failing to remove the balance under its tradeline in response to my dispute.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/2017 purchase a battery operated handheld massage that supposed work with batteries I change the batteries several and not responding so I contact the XXXX Customer at XXXX claim that they was unable to help me and put in complaint with the full credit number and then I contact TD Bank Customer Service regarding disputing this charges since the business will not honor a exchange or refund on the product and the TD Bank Representative all said she unable to dispute the charge because it has been more than 60 days I explain to them and she aware that checking account is closed on the statement it indicate XXXX XXXX XXXX XXXX XXXX XXXX for {$180.00}. Why is that Fraudulent purchase can not be dispute is this legal and why is the full debt card number need for dispute when the bank should have all access to Banking Activity is this legal and please ensure that staff do not tell me and others that I will be wasting my time this is my money from my working and depositing in the Retirement this money was transfer from IRA Account and governing by Retirement Account Federal Regulation and the transaction with these account are be reviewed by United States Department of Treasury Internal Revenue Service please investigate this Bank and ensure that they operating according to United States Department of Treasury and United States Federal Regulation and then after informing they not going to be able file my dispute they transfer me to Recover and Charge Off for XXXX XXXX and she was not able help with pass account and Debt Card Number is this legal and the number I was transfer to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Credit Report Number : XXXX Name of Court and Address is incorrect, it is currently listed as US BKPT CT GA XXXX XXXX XXXX XXXX XXXX, GA XXXX Proper address is : United States Bankruptcy Court XXXX District of Georgia XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX, GA XXXX Sent original dispute requesting they DELETE this inaccuracy however they came back as 100 % accurate and verified, the documentation I will provide shows that not true.
Product: Checking or savings account

On numerous occasions in the past and recently I have had individuals make monthly ongoing deposits into my business account for funds that are due me in my course of business When these individuals have made these deposits at the varied branches The teller whom is accepting the deposits is disclosing my private home address to these depositors when they complete the deposit slip address data I have complained to BofA on numerous occasions that my home address Is private and that they are violating my instructions not to disclose my home address and thus are violating my privacy rights. 
When the teller accepts a deposit the teller is hand writing my home address on the deposit as opposed to my business address on file. They are deriving this home private home address from their banking computer systems. 
All my accounts have the same XXXX XXXX business and primary mailing address with this financial institution none of them have my private home address. All my bank statements indicate only this address as originally set up. 

I have also reached out to the bank on several occasions in the past year about credit card offers that they were also mailing to my home address which I prohibited. They were instructed to cease and desist from that mailing practice which for the most part has been complied with I have digital evidence of the teller privacy violations on recent and past deposit slips. 
The past mailed credit card offers mailed to my home address have been shredded. 

I have spent countless time on the phone with customer service about this privacy disclosure violation and I have visited branches with the credit card solicitations pleading with them to please stop their mailing to my home address practice. 

I have attached just a few of many deposit slips which reflect the disclosure of my private home address in XX/XX/XXXX-XX/XX/XXXX I have also attached a proper slip of which there are many correctly showing my XXXX XXXX mailing address There are numerous others incorrectly and correctly completed There are also past incidents wherein on a personal acct they have also disclosed my private address