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

Early XX/XX/2020 I submitted disputes along with my attorneys via USPS mail. XX/XX/2020 I get an email from Equifax that they are investigating. Now I've already tried a week prior to access my credit reports via Equifax which is impossible. The email ask me to click on a link to opt-in to receiving notifications via email. When I click the link, fill in my info I constantly get a confirmation failure. Then I set up an account, can't log in. Even after changing the password several times ( you can only input so many different times ) every time they send the link to my email to change. After changing, I still can't log in, then it locked me from logging in asked me to call XXXX. On XX/XX/2020 I called verified my self ultimate times, the representative is incompetent as well, ask me to change the password again, then it locks me out. She then says there is a problem with their system. Yea right and that I needed to call back in an hour. I asked for a supervisor and she did everything to keep me from talking to an supervisor, until I demanded. Then I thought, often these issues with communication occur with a break down in culture and understanding. When the supervisor came to the line, I asked him what country were they in and he refused to answer. Actually stated that they were not allowed to say so. I again explained the frustration with their system and how no one seems to understand what's going on or how to get us access. While waiting for the supervisor I started google searches and found many people complaining of the exact same issues. Many on XXXX. When a company has such personal information of ours, the constant threat of identity theft and then they offer us incompetent representatives from other countries does not give us the most trust with the company. I am not comfortable with this at all. I asked to speak to an american supervisor. Equifax has issues that are not experienced by the other consumer bureau agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the accounts which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the accounts I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

XXXX obtained two loans from XXXX XXXX XXXX in XXXX, Virginia, one in XX/XX/2018 and one in XX/XX/2018. Both of these loans were subsequently sold to the LoanCare company. There was no problem with the loans or the repayments until XX/XX/2018. 

On XX/XX/XXXX, the payment on the first loan was properly applied. However, on XX/XX/XXXX, the payment on the second loan was incorrectly applied to the first loan as a repayment of principal ( since no payment was due ). No payment was recorded for the second loan. 

As a result, in XXXX, the first loan processed the XXXX payment correctly ; however, the payment made on the second loan was posted as a delinquent payment for XXXX. In XXXX, the first loan processed the XXXX payment correctly ; however, the second loan payment was listed incorrectly as a delinquent XXXX payment. 

I emailed the company and was assured that they would correct this, but they did not. I have called the company several times and, each time, they assure me that this will be corrected in a few days. This has gone on for several months and they still have not corrected the error. Instead, the company sends me regular notices that I am delinquent and requesting information about how/when I plan to make payment. They also assessed various penalties, which have not yet been reversed - even though this was the loan processor 's error. 

This was entirely the fault of the loan processor. All they need to do is reverse the incorrect {$2500.00} credit posted to the first account [ XXXX ], which they posted on XX/XX/2018 and credit this same amount as the XXXX payment to the second account [ XXXX ]. If they did this, then the XXXX payment on the second account would be timely, the XXXX payment would be timely, and there would be no delinquencies or penalties. 

The company has not disputed that they made an error. They continue to promise to fix it but have not done so in almost three months. They have a record of my phone calls and emails, since they cited them to me in my phone calls.
Product: Debt collection

XXXX XXXX is currently being reported by Equifax on my credit report. I filed a dispute with all 3 bureaus and sent them a copy of my FTC identity theft report along with the explanation of the fraud account. The account was quickly remove by XXXX and XXXX   but Equifax still continues to report it. The FCRA holds each bureau liable reporting 100 % accurate information. This account is not accurate nor can it be considered valid if it's a result of fraud. Please help me resolve this matter once and for all. I would not want anyone to have to endure such aggravation after dealing with such a tragedy as identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

my credit profile indicates specious public record information. I possess no public records or bankruptcies. Information reported is specious and needs to be removed. I contacted the source and have source based data proof from the court. they state they provide no information. As information is supposedly pulled from some type of public records data, it's evident that it's incorrect and should not be reflected on my profile.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your investigation.I would like this item immediately re-investigated.The inaccuracies are highly injurious to my credit score ACCOUNT NAME Account name XX/XX/XXXX Account number XXXX in accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up.Please send me an updated copy of my credit report after your reinvestigation. Account nameXX/XX/XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve these issues with the credit reporting companies and i have had no help and this is stopping me from buying a home. Please see accounts below XXXX account number # XXXX for {$580.00} XXXX XXXX Account XXXX # XXXX for {$0.00}, its a charge off thats not mine XXXX account number # XXXX collection that not mine either
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts are not mine but is reflecting on my credit report with Equifax. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX They are illegally furnishing data on my consumer report that one is not mine or i dont remember opening these accounts. i never gave Equifax any verbal or written consent to report anything on my consumer report. no consent is identity theft. so they are violating law 15 U.S. Code 1681b i am personally writing to them with help of my lawyer that is telling me to gather all this information to file lawsuits to the credit bureaus and these companies that are making money off me while maintaining my credit in the ruins. selling my information to third parties.
Product: Debt collection

On XX/XX/2020 I sent a certified letter to Equifax Credit reporting agency asking them to please validate the XXXX   XXXX XXXX accounts debt in which they state I owe, by providing proof of documentation bearing my signature. On XXXX XXXX I was sent an updated Equifax Credit report stating everything was verified and accurate but still nothing to validate this debt belongs to me. On XX/XX/2020 another letter was sent again advising they had 15 days too provide the description of the procedure used to determine the accuracy and completeness of the information used to complete there investigation and that Any automated response or E-oscar verification is unacceptable, also asking that they provide the name, address, and the telephone number of each person contacted regarding this alleged account. I have yet to be provided with that information and the debts still remains on my credit report.
Product: Bank account or service

On XXXX/XXXX/15 I started an International Wire Transfer to XXXX at a Union Bank branch located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Since the transfer was going to be sent to XXXX US Dollars were converted to XXXX XXXX After 72 hours that transfer was started I went back to the branch and I was told that the Wire transfer was not completed because of incorrect beneficiary information. I was told that if I decided to cancel the Wire Transfer I would be receiving less money because of the difference in exchange rate. I was never told that if I did not decided to cancel the wire transfer I would have gotten all of my money back into my account. Because the currency was changed back from XXXX XXXX to US Dollars, by cancelling the wire transfer I ended losing {$930.00} US Dollars
Product: Money transfer, virtual currency, or money service

On XX/XX/29, around XXXX, I received a text from the bank informing me of an attempted purchase at a XXXX XXXX Florida ( I live in Nevada ). I opened my bank account to check in case the text was a scam and was met with the app asking me a couple questions about transactions I did and didnt recognize. I then got a call from the Bank of America support number ( XXXX XXXX ) and double checked to make sure it was the correct number before speaking with the representative XXXX XXXX. He asked me questions about some transactions and was actively looking at my bank account, so I had no reason to doubt he was an employee. He had me XXXX my money to a case number where I was told I would get my money refunded to me, yet as of XXXX I still do not have my money. I sent all of the money in my checkings and savings, equaling about {$1800.00}, and now I have gone five days with {$0.00} in my bank account. I called the bank and they said they could not help me.
Product: Debt collection

Auto insurance - XXXX XXXX i had cancel my insurance and had my autopay to pay the amount that was due .I received an email saying that soon will charge my card on file.Which supposedly few months after was charge by XXXX XXXX collection services without my consent. I was not aware of my account sent by collection XX/XX/XXXX which i noticed it about in XX/XX/XXXX by checking my credit which it appear was sent.I call XXXX XXXX they sent back and forth with collection services in a phone call.The collection services told me the account was open and if i didnt call the account would remain open.They procced to closed the account on file which they already charged back on XXXX with out my permission.
Product: Credit reporting or other personal consumer reports

Returned my car which was a lease. I allowed for one inquiry with XXXX XXXX to purchase another car and they without permission ran my credit to multiple vendors. I consequently left there and didn't purchase a vehicle due to them running it without my permission. Those inquiries affected my rate when I did purchase another vehicle two days later.
Product: Student loan

Navient began by repeatedly calling from various numbers. A complaint was filed XX/XX/XXXX # XXXX. They continue to call-the numbers are blocked but still show that someone has tried calling. XX/XX/XXXX XXXX from XXXX XX/XX/XXXX XXXX and XXXX XXXX XXXX. These calls are AFTER they agreed to cease calling! 
They have been directed THREE TIMES to CEASE CONTACT with XXXX COUNTY and yet they continue to fax various departments that have no access to the information they are requesting. 
This is impacting my employment! If I lose my job THEN WHAT?????
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries are results or fraud and Equifax has not removed these inquiries from my credit report, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Ability recovery services is listed on my credit as the collector for XXXX XXXX, I never attended XXXX XXXX. I filed a dispute 4 times over the past 3 years about XXXX XXXX and/or Ability Service Recovery Service and have told them that I never attended the school, I never physically signed an agreement with the school. They have ignored my attempts to get the negative remark removed from my credit. Ability Recovery Services is listed on my credit as {$1700.00} and again as {$1700.00}. 
The amount listed as {$1700.00} was opened on XX/XX/2019 The amount listed as {$1700.00} was opened on XX/XX/2019 I have never attended XXXX XXXX or ever called for information let alone signed an agreement to attend their institution.
Product: Mortgage

I have a mortgage serviced by Nationstar Mortgage, I applied for an unemployment forebearance on XX/XX/XXXX and was denied in XXXX 2015, I appealed on XX/XX/XXXX and was denied on XX/XX/XXXX. The reason for denial was that I was told the investor ( XXXX XXXX ) denied because I had received a previous unemployment forebearance XX/XX/XXXX. I contacted XXXX XXXX on XX/XX/XXXX and was informed that they have no cap limitations on the number of unemployment forebearance requests and they had no record of Nationstar even requesting an approval of my request. I was only 60 days delinquent when I submitted my request and due to the complete lack of customer service and the lies I have been told by Nationstar I am now 5 months delinquent and facing foreclosure. They have been absolutely no help in trying to keep me in my home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid the settlement with XXXX XXXX. I was told that once it was paid it would show on my credit as paid and my score will go up. It show on my credit as loan paid -4 % and in bad debt standing. I called four times and the fourth time today the representative I spoke to today he was very nasty on the phone with bad customer service and he even hung the phone up on me. I received the letter I paid the settlement and the car title for the car.
Product: Credit card or prepaid card

I am a XXXX XXXX XXXX who was assaulted by a student, and placed on workers comp. I suffered a XXXX  and XXXX XXXX XXXX, and the income that I was receiving from workers comp, was nowhere near what my normal salary was. I have now been cleared to go back to work, but in the meantime, synchrony Bank closed all three of my accounts that I had with them for no reason. I was a long-standing customer with synchrony, and had three cards : CareCredit, discount tire, and Sam 's club. This negatively affected my credit score, and when I reached out to synchrony to ask why my accounts were closed, I was notified that I was a " high risk for not paying '' customer. I feel that this is very unjust and very unfair, considering I had made regular on time payments for many years. Synchrony claimed that they mailed me a letter concerning each account, but I never received a single letter.
Product: Checking or savings account

I received a letter in the mail stating there was an account trying to be opened in my name and then the next day I received an alert on my credit saying Wells Fargo had opened an account in my name. 
I called the Wells Fargo fraud department and they were not any help at all. 
They said they would get back to me after an investigation. 
I dont think they were considerate of how serious this really is.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX 2023 SXX/XX/XXXXCreditor informationXX/XX/XXXX XX/XX/XXXX MI XX/XX/XXXX

XX/XX/XXXX 2023 XX/XX/XXXX
Creditor information
XX/XX/XXXX MIXX/XX/XXXX

XX/XX/XXXX 2023XX/XX/XXXX
Creditor information
XX/XX/XXXX
XX/XX/XXXX DE XX/XX/XXXX 2023 XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXCreditor information
XX/XX/XXXX UTXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX, and noticed some things are incomplete and not accurate. According to the FAIR CREDIT REPORTING ACT, whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to ensure the maximum possible accuracy of the information concerning the individual to whom the report relates. These accounts, [ XXXX - Account # XXXX ], [ XXXX XXXX XXXX - Account # XXXX ], [ DPT TREASURY - Account XXXX XXXX ], [ DPT TREASURY- Account # XXXX ] , [ DPT TREASURY - Account # XXXX ] , [ XXXX XXXX - Account # XXXX ], [ XXXX XXXX - Account # XXXX ] these are not complete and accurate, and also showing up on my report as negative items and I would like for them to be deleted and removed from my credit report immediately. According to 15 USC 1681s - 2, 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. According to 15 USC 1681e ( b ), the open date, /date last active is not accurate. - DELETE ACCOUNT IMMEDIATELY FOR VIOLATION OF 15 USC 1681s - 15 USC 1681e ( b )
Product: Debt collection

Company called my cell phone and asked if I was a certain person. 

I responded with my name because the person they were looking for is a family member, and proceeded to ask what the purpose of the call was. Caller said the purpose was a private matter and then did not indicate that it was a matter of debt or bill collection and did not indicate the agency 's name. 

Caller then pressed for current phone contact info for the family member, which I provided. 

I called the number back after learning that it was a collections agency ( FMA Alliance ) and complained to a supervisor ( XXXX XXXX ) about the conduct of the previous call. Supervisor was unconcerned about the conduct and indicated that no action would be taken.
Product: Credit reporting

Every time I try to file a dispute, it wo n't let me complete the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity Theft and the items I am disputing do not narrate to any business that I have made or approved. Neither did I obtain any ownership of goods, money, services, nor profits from the Theft of my Identity. I have read that Equifax is guaranteed to fulfill the FCRA regulation but regardless of all my labors to notify Equifax about the theft of my Individuality and that the items were never mine, Equifax never feel a concern nor paid any care to my Disputes. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I need the following Items removed now! 

XXXX XXXX XXXX XXXXXXXX
Product: Mortgage

In XXXX Of last year we called Mr. Cooper they made arrangements for us to pay 6 reduced payments. We had been displaced from the huricain and our property was flooded. They said that if we made all 6 monthly payments then at the end they would modify the loan. We could go back to paying around what we had been paying before the huricain. After the 6 months we contacted them and they said we were waiting on the underwriters to finish the paperwork. This went on for months. I called many times to try to get a time or date that the papers were coming. I was told they would be in the mail and to expect a XXXX  package and to return as soon as possible. Never got them. I would call to see when they were sent and XXXX would say the underwriters were not done yet, any day now. Finally I called and he said that to much time passed and I needed to file another disaster modification. I told them that I felt it was wrong, wouldn't do it. They wanted me to file to see if I could take the loan with my credit. I told them that XXXX XXXX denied me already when my dad first passed away in XX/XX/2017. My credit is bad and if I ever did get approved through my credit that the a.p.r. wpuld be much higher than my dad had. My dad left everything to me and I did everything they asked. Now they are saying that my payments are late. They said not to make any payments untill the modification was done and now bc of this we are not compliant. They say that all the phone conversations are recorded but refused to send me a copy of them.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX  Opened XX/XX/XXXX I have attempted to Dispute the above accounts with XXXX, XXXX, and TransUnion. These accounts should not be reporting under my name because they are not mine and I did not authorize them. I ask that these accounts be deleted immediately from my credit reports.
Product: Debt collection

XXXX XXXX/ XXXX is a fraud ACCOUNT that I had no knowledge of. I never opened an account with this creditor and it's illegally reporting on Equifax and XXXX. Can you please remove this fraud account. I have asked multiple times to provide a contract with my signature which the credit bureaus mentioned have not done so.
Product: Debt collection

they called me during working hours and hung up on me threatneing to sue me without any explaination
Product: Credit reporting, credit repair services, or other personal consumer reports

This company XXXX has re-aged the information contained in my credit file and has violated the FCRA. I stated a credit report dispute and they have instead verified the information that shows recent activity well after the account was closed, i.e. Last Reported XX/XX/XXXX, Shows late payments in XX/XX/XXXX and XX/XX/XXXX when the account was closed in XX/XX/XXXX.