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

Equifax is reporting a XXXX XXXX account it shows a past due balance but of XXXX the account is charged off. 
Equifax shows a past due balance from XXXX XXXX XXXX of XXXX it has also been charged off Equifax shows an open account which is closed and a balance of zero with XXXX XXXX XXXX XXXX, Equifax shows a past due balance of XXXX from XXXX the account is charged off there should not be a past due balance Equifax shows a past due balance from XXXX XXXX for {$550.00} the account is closed and charged off it also XXXX  reporting as 120 days late it should not be reporting at all. 
Equifax shows XXXX XXXX as a charged off account with a reporting balance of {$21000.00} it is charged off there should not be a balance reporting. 
I have sent in multiple request that this be removed to no avail my letters are not being read and handled according
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I went to XXXX XXXX XXXX located in XXXX  XXXX and requested a personal loan. The young lady asked me for my driver 's license so she could use the information for the application to pull my credit. Whole she was doing so, my wife called and told me not to do the loan. I got off the phone and informed the young lady that I do not wish to continue with the loan application process. She acknowledged what I said, said one moment, and scanned a copy of my driver 's license before giving it back to me. I asked her if my credit was going to be pulled, and she said no. When I left the bank, I started receiving emails alerting me of a change to my credit has been made. I have since called XXXX XXXX XXXX and asked for them to remove the hard inquiry and each time they said they can not.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific items in my credit file that do not belong to me, or signed any agreement and contract. The items I'm complaining have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following listed items below : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX Balance XXXX {$0.00}, XXXX XXXXXXXX Balance : {$0.00}, XXXX XXXX Balance : {$6100.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$5500.00}, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

My loans were transferred to Mohela months ago. I kept calling them monthly to obtain information and be able to view my loan information. They kept telling me they had wrong information and the person on the phone can see it is correct so they had to put it in the file to tell them that it is correct and to proceed forward. They informed me I had to wait 90 days again. I waited 90 days again and same thing again they had correct information but whoever was checking it said it was incorrect so send in more paperwork with updated information. I did so and they said now wait another 90 days for them to see the information indeed was correct. Now I have access to the online portal and the information still is incorrect. Every time I call they just tell me that to look in my account they look in it and they say everythings correct now you have to wait another 90 days for one of their employees to go back in to see their notes that it is indeed correct. Now that I personally can see it online something different/ new is wrong. Im not sure what to do even anymore. Ive tried to be proactive and Im trying to be proactive and patient waiting out the days that they tell me to wait but Im getting nowhere.
Product: Debt collection

I recently checked my credit report and saw a line posted b y Stella Recovery , Inc.,  saying I owed them a debt of {$56.00} and the Original Lender is  XXXX . I talked to  XXXX  and confirmed that not only I do not owe  XXXX  any money, but I also never had an account with  XXXX . I called  Stella Recovery and the person told me that the debt was from an address that I never lived before.
Product: Debt collection

I am filing a complaint against SEQUIUM ASSET SOLUTIONS , LLC, as I have made MULTIPLE attempts to rectify this account, as well as request debt validation, and the company has made no attempt to provide validity of the debt. I have requested a contract stating the amount owed as well as a surety of facts with a reasonable investigation and the company has failed to respond to any request. 

My request was delivered to the company on XX/XX/2020 and it is now 40 days since then and the company has yet to respond. 

Account - SEQUIUM ( Original Creditor : 11 XXXX XXXX ) - Account Number - XXXX
Product: Student loan

In XX/XX/XXXX, the servicer switched systems. Two payments were made to the student loan on XX/XX/XXXX which resulted in over payment of XXXX. I notified the servicer of the overpayment and was advised that a refund would take up to 90 days. I called back on XX/XX/XXXX because a refund had not yet been received. I escalated the call and was told they would issue a refund. The system shows a refund of the aforementioned amount was processed on XX/XX/XXXX. To date, a refund has not yet been received. I called today ( XX/XX/XXXX ) and was told it was processing in treasury and could take up to 90 days. I advised this was not acceptable as it has been over 90 days. I was supposed to be transferred to a conflict resolution specialisXXXX. I was out on hold for 8+ mins and got disconnected and got no call back.
Product: Debt collection

I filed complaint XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX I request the debt collector closed and remove its trade line from my credit file because I do not have any contractual obligation for Note and Mortgage for XXXXXXXX XXXX XXXXXXXX XXXX loan # XXXX f/k/a XXXX a/k/a XXXX n/k/a reference number XXXX with FHA Case No. XXXX for {$160000.00} for 360 months, 7.750 % ( Fraud Account ), I was never the owner for the property and never received any funds of {$160000.00} or benefit in any way from the loan. 

Debt collector mailed me note & mortgage for fraud account on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, & XX/XX/XXXX and willfully lied when they wrote I have a contractual obligation for a property I never owned and a loan I never requested or received funds from. 

After debt collector received my identity theft affidavit, police report, and ID debt collector lied and claim the fraud account had an address error, this is completely false, see attached foia request from HUD closing documents which debt collector put my name and personal information on without my consent or knowledge. 

Debt Collectors has continue to omitted and make material misrepresentation to me and CFPB. This current debt collector claims the received this fraud account from Ditech Financial LLC f/k/a Green Tree Servicng, please see attached letters from Ditech Financial LLC, Green Tree Servicing, and HUD orginal closing file for the fraud account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax keeps allowing a collection agency to take off erroneous information and replace it back on again and again. Causing significant harm to my credit score. Collection company is using Equifax as a data resource finder for my information then re-adapting that information to fit their criteria. Moreover, this debt is/was part of litigation. Equifax is not doing their do diligence, as they would have known this was part of a litigation.
Product: Credit reporting or other personal consumer reports

Statement of Fact : Congress found that the purpose of the Fair Credit Reporting Act ( FCRA ) is to require that consumer reporting agencies ( e.g. Experian, XXXX and XXXX ) adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance and other information in a manner which is fair and equitable to the consumer. 
. 




XXXX  Facts : XXXX is aware and has proof in the attachment labeled as Exhibit XXXX XXXX Account # XXXX is in violation of several laws in regard to how they are reporting and are stated as follows : 15USC1681-A 15USC1681s-2 15USC1681a 2 ( A ) ( i ) 15 USC 1681e ( b ) . 


The inaccurate reporting of both my account status and payment status by XXXX Account # XXXX is causing harm to my credit reputation and financial standing. 

All items listed in Exhibit B are invalid, inaccurate, not timely and carry no documented evidence, it is damaging to my character, creditworthiness and well being by falsely stating those non compliant unverifiable accounts on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit profile and noticed inaccuracies and/or incomplete information, and accounts that are Un-Verified. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA - equifax are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.
Product: Credit reporting or other personal consumer reports

I have disputed my student loan account with Experian twice and twice they have lied about investigating my complaint and have refused to uddate the account to refelect a XXXX balance and closed despite me providing them proof. I feel that they are purposely refusing to update to harm me and incorrectly report the amount of debt I owe
Product: Credit reporting, credit repair services, or other personal consumer reports

SANTANDER is reporting a fraudulent account under my credit that i did not open, on my XXXX, XXXX and XXXX report. they are damaging my good name and i want to buy my first home. this is the account number XXXX i see on my credit report. someone tuck out a car under my name. i never use credit. i pay everything cash. my XXXX XXXX pays for all my stuff. he said he will have the top lawyers in florida look at this to sue Santander bank and all the credit reporting agencies.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. There are several credit accounts on my credit reports that I didnt authorize or belong to me!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following U S DEPT OF ED/XXXX XXXX XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$3900.00} U S DEPT OF ED/XXXX  ( XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$2300.00} U S DEPT OF ED/XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX XXXX {$4100.00} XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted many disputes for Equifax to deleted my XXXX XXXX. I paid the original creditor and Im not liable for a collection account. I submitted proof of this. XXXX and XXXX deleted immediately. 

I contacted XXXX and after filing a complaint with CFPB with proof they responded that they would contact Equifax to delete the tradeline as it is an error. This response was on XX/XX/XXXX2019. 

I have called Equifax at least two time since this asking them to update my intonation and they have not. I contacted XXXX yesterday and was told the request to delete my tradeline was submitted on XX/XX/XXXX and should have been done now. 

On XX/XX/XXXX I received an email that Equifax closed my dispute and left the tradeline on my report. I have provided plenty of proof for why this needs to be deleted. The collection agency has told Equifax to delete but they still refuse. XXXX refusal isnt taking a major hit on credit score which is making it hard for me to get a home loan. What they are doing is not okay. This has been going on for months and it needs to be deleted immediately. If not done in 15 days I will recontact the attorney general as Im told there have been enough complaints sfo start a class action. Please delete immediately.
Product: Credit reporting or other personal consumer reports

I fell behind on my mortgage payments in XXXX  due to many issues impacting my marriage and my finances. I put the house up for sale, then sold the house in XX/XX/2019. My broker and title company satisfied the outstanding amount on my loan to XXXX and XXXX. Since XXXX  I have been trying to rent and now I am trying to purchase a new house and the credit reporting agencies have my mortgage listed as charged off. In addition to that the mortgage company did not return my escrow payment to me, they sent it to the state of pennsylvania. I have been suffering trying to live a decent quality of life due to this. I have forwarded the closing documentation from my broker and title company to the old mortgage company XXXX, XXXX lending and they refuse to correct and update my records nor my credit reporting information. I have sent faxes to them at XXXX requesting updated information and I attached recording documentation proving I paid the mortgage off. My current potential mortgage adviser is impacted because they want to show that the mortgage was paid off and I can't do that because of the erroneous reporting from the old mortgage company. In addition to that my potential future interest rate has more than doubled due to this error. I am no longer seen as a responsible borrower to creditors.
Product: Checking or savings account

I was trying to transfer money into my external account and in the bank took of my external account and the money says reversal but the account was charged money and never got it back they have messed up on 3 disputes on this before because they made a mistake and I just got another denial if this does not go through they would have taken XXXX $ out of my account and I need that money for rent food and living expenses
Product: Credit card or prepaid card

The card is under spot me the card has a XXXX limit of credit for overdraft it is offered for XXXX but I found out you got to earn the the money the reason why I am contacting the cfpb for Friday is because the card is under too many transaction for overdraft limit the card is XXXX and the limit was reached but I'm sure that I don't make the authorizations to the app instecart. And what is wrong is it has a bunch of charges made past the spot me limit and wasn't made by me at all. The same day I had other instecart charges. Probably made by hearing my card number hooked to a psych tenny spunge. From a XXXX XXXX I hear old men and feel different stuff set up by the hospital. And my card was deactivated by a representative acting rhetorical to the dispute for having to make the dispute. And shut down the card. For instance the way he acted was hearing suspicious. For controll of the card. To send it back through the mail. A chime visa card.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting incorrect and inaccurate information to my XXXX credit reportsWhich is a violation of the FCRA.Im requesting them to furnish and provide me with proper documentation.Which will properly verify the legitimacy of the accountThey must I by federal law provide information.Which properly verify the account..I want a copy of the original credit agreement with Terms and ConditionsI also want a copy of all my statements for history of the account If you dont supply me with what Im asking for I will file a lawsuit in US District Court pay the {$500.00} filing fee.Then I will request legal discovery and ask the judge for the right to subpoena documentsThen you will be legally obligated to supply me with the documents. 

Im not playing Im giving you 30 days to get me what im asking for I will contacting the South Dakota Attorney General The Comptroller of the Currency and Maryland Attorney about this matterThis is a serious civil matter
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I received letter from XXXX  XXXX XXXX and noticed bill for transactions that I did not make. I did not have my card in my possession and did not authorize anyone to use my card. Last time I had my card in my possession on XX/XX/XXXX, I suspect my card was stolen on XXXX XXXX card was used for several fraudulent charges since XX/XX/XXXX for a total amount of {$570.00}. After account closure I was not provided with Bank XXXX and had no chance to properly address this issue. Several times I filed dispute with XXXX  XXXX XXXX, Experian, XXXX and XXXX. Non of them helped to resolve this issue and correct my credit report information. I am the victim of fraud and Identity theft, but also I am victim of negligent attitude to consumers, er from XXXX  XXXX XXXX, Experian, XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

There are inaccurate accounts on my credit report.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I recently noticed Jefferson Capital on my credit report. I have NEVER obtained ANY CREDIT from this company. I have reached out to this company and requested documentation with my signed wet signature but they have failed to send proof. The reason they could not provide proof is because I have never had credit with the company, they have listed themselves for a collection company but again I have not contract or credit with this company. When asked for validation they sent me documents saying my personal information is correct. This documentation does not prove any monetary obligation to this company. As I further research I also notice this company is collecting on behalf of XXXXXXXX XXXX This account also has not been verified as accurate but instead documentation was sent to me stating my personal information is correct. This is not how accounts are verified or validated. THIS IS A VIOLATION OF MY FCRA RIGHTS. These 2 accounts are basically attempting to collect on the same unverified debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I attempted to reach out to credit bureaus to remove the improper items on my credit report.
Product: Student loan

I have a private student loan with Wells Fargo. My sister is the co-signer. 
My sister filed bankruptcy. The loan is now serviced through wells Fargo 's Bankruptcy Department. 

Please keep in mind, Wells Fargo does not send out monthly statements. 

When my sister filed bankruptcy, sometime in XXXX, I had to start making my payments to the Bankruptcy department. Upon the start of this, I was told my loan was current and any or all late charges that were on the loan were removed. 

The loan is due somewhere around the XXXX - XXXX of every month ... I have never been given a straight answer. 

On XX/XX/XXXX, I called to make a payment and was told that I had missed a payment in XXXX. I thought this was odd, but scheduled two payments to ensure I would not hurt my sister 's bankruptcy. Her bankruptcy has not discharged yet. 

On XX/XX/XXXX, I received a text message from XXXX letting me know that Wells Fargo not only dinged my credit once, but XXXX times for late payments. 

When I called to rectify this situation, I sent them my banking statements that proved I have made the XXXX payment. Then they said I didn't miss the XXXX payment, but the XXXX payment. I sent them XXXX bank statement showing I paid that XXXX XXXX. Then they said no, I did not miss XXXX 's Payment, but a payment in XXXX of 2018. This is over a year ago and at no time was notified of this missing payment, nor has my credit report been dinged for a late payment prior to the payments made in XXXX. 

On top of it all, there is a 10 day grace period on making payments. I was within this limit when I called to make the XXXX payment. I Should not have received a ding on my credit report for this payment. 

Also I should have received a ding on my credit report for a payment that was supposedly missed a year ago without having the opportunity to rectify it then. 

My sister nor her attorney have never been notified of this late payment, which should have happened as well. If they had .. I would have an opportunity to rectify this sooner. 

In addition, at this time I do not believe I ever missed this floating payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion XXXX and XXXX several times via phone online, and via first class mailings on many occasions in regards to 2 accounts that were placed in my name that did not belong to meand that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to transunion several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC, i've called and they've told me that their handling it and they received proper paperwork and i should see an update and i never do. The last rep I talked to name was XXXX and he stated he was in special handling, I havent had any luck with this. the following accounts that are reporting are : XXXX XXXX with a balance of {$3200.00} and XXXXXXXX XXXX ( XXXX ) with a balance of {$780.00}