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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries have been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate pieces of information about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXXXXXX Date of inquiry XX/XX/2021 XXXX Date of inquiry XX/XX/2021
Product: Mortgage

A previous complaint was filed ( XXXX ) against Wells Fargo for a lack of information regarding a foreclosure against XXXX in XXXX Alaska. I requested all information and paperwork on this foreclosure. The information requested included all banking records as well as all mortgage paperwork Wells Fargo has on file. 
I requested all documentation that shows how XXXX had any unpaid debt. I also requested documentation of all payments and any complaints XXXX may have filed with Wells Fargo. 
I requested this information as Conservator for XXXX. Wells Fargo received a copy of that paperwork and my request for documents. Wells Fargo responded that they were working on it. It has now been 2 months and I have not received and of the documents I requested. The contact at Wells Fargo ( XXXX ) has not returned my phone calls or responded to email and Fax requests. 
I am asking the CFPB to assist me in gettiing Wells Fargo to respond. If Necessary Kick this up to the Justice Dept as a bank fraud investigation.
Product: Debt collection

A collection agency has been calling me over and over even contacted my work twice after my general manager telling them not to call my workplace and they called back a second time and spoke with me and I told them not to contact me at work and they would n't tell me how they got my work phone number. They call my cell phone back to back almost every day of the week, I have cell phone bills to prove that and screenshots on my phone showing back to back phone calls in the same day. I have told them I wanted to dispute the matter and I still have n't received anything for disputing the debt. They have told me if I did n't pay this debt they would be suing me and garnishing my wages and they keep giving me a certain amount of time to pay off a XXXX debt. Every time I talk to them they ask for my full social security number address and phone number. I feel like I 'm being harassed, and they are making me feel very uncomfortable and uneasy asking me for all this personal information. I asked them last night what the matter was concerning when they called and they said it was concerning a hospital and I asked what about and the lady would n't tell me all she would say is she needed my info it was a matter with the hospital. I asked why they could n't call me if it was concerning them and they said because they hired them to do it. I just know its not professional and it 's making me feel harassed to the point I want to change my phone number and address and even my place of employment. This is crazy and scary and it 's not even accurate. I 've told them this time after time and they still continue to harass me. Their name is Franklin Collection Service, INC
Product: Payday loan, title loan, or personal loan

I visited PNC of XXXX NJ to enroll in a forbearance program on a personal line of credit early on when the Corona virus came about. I spoke with a banker there who never informed me that branches can not do forbearance or extension programs. As a result of our discussion I was led to believe that the process had started and the loan was put on extension. On the contrary nothing was done and as a result the line of credit fell into a 120 day delinquency. I am in the process of trying to get approval for a mortgage and I have been advised by 4 lenders that based upon the delinquency there is no way I could ever qualify. I have sent disputes in to all 3 credit agencies and awaiting their decision. I  am a retired XXXX XXXX on a XXXX pension from XXXX. I need to qualify for a mortgage in order to down size to a smaller house due to loss of income as a result of Covid. PNC claims there is no proof that a request was put in and are of little help to rectify my credit report. I am not looking for anything other than getting this delinquency removed from my credit report. As of now PNC has escalated the case within corporate for investigation. The reason for my submission to CFPB is to help me in having PNC Bank simply write a letter to the credit agencies and remove error of the 120 day delinquency.
Product: Debt collection

I asked this third party collection company to stop calling me at work and they continue calling. My boss had to get on the phone with them today and they were aggressive with her when she told them to stop calling the office.
Product: Credit reporting or other personal consumer reports

I received a letter sent on XX/XX/year> in my XXXX XXXX that said there were XXXX or more negative information added to my file. I obtained my Consumer Disclosure Report the next day and I received another letter sent on XX/XX/year> that gave me a link and a password to look at my Consumer Disclosure Report to see if anything was wrong. After reviewing the Consumer Disclosure Report I called the XXXX number and asked for all of the soft and hard inquiries to be investigated. On XX/XX/year> I received a letter of the investigation results. I didn't understand what the results were so I called the XXXX number and she told me that what " We have reviewed the information from our inquiry Records and determined the data being reported as unverifiable ... '' meant was that all of the inquiries were unauthorized. She also told me to contact my states attorney general. I filed a complaint with my states attorney general and they emailed me to go to this website.
Product: Debt collection

I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against XXXX XXXX. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-XXXX ) that you, the XXXX, Experian, XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXXXXXX XXXX  XXXX Account # XXXX date opened XX/XX/XXXX Bal. {$0.00}, XXXX XXXX XXXX XXXX  Account # : XXXX date opened XX/XX/XXXX Bal. {$0.00}. Inquires : XXXXXXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX I challenged the accuracy, compliance, verification, and reportability of this listing. Please validate this information XXXX XXXX XXXX and ask them to provide me with copies of the original contract and validation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally requested that this information be immediately deleted from the credit file they maintain under my Social Security number. This fraudulent report is only reported on one of the three Credit Reporting Agencies. I requested validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. I further reminded that they XXXX be liable for your willful non- compliance, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C . 1681S-2 ].
Product: Credit reporting or other personal consumer reports

I Check my credit regularly and this account appears out of nowhere on my credit profile. Im certain I've never heard of nor had any knowledge of this creditor, with a balance over {$14000.00} sending my credit score plummeting XXXX points. I was devestated and all over an account thats not mine. Something has to be done, this is suppose to be about fair and accurate credit reporting. It was only showing on one bureau so I immediately disputed the collection account with that Bureau and filed an FTC Report, now I looking for additional help to get this corrected and resolved as fast as possible. As this has already been damaging enough.
Product: Debt collection

XXXX XXXX XXXX sold me a treatment to straighten my sons teeth. They advertised a Lifetime Garuntee, if there were any issues with the trays, we could have him refit. We got halfway through the XXXX XXXX XXXX XXXX XXXX total, and the trays would no longer fit. I called XXXX and found they shut down and would no longer honor their contract. Then I began receiving bills from Health Care Finance Direct that I owed the full amount of XXXX XXXX for the treatment, I do not have a XXXX issue paying for the half that I used, but I WILL NOT pay for the XXXX that he could not use because they do not fit and XXXX XXXX XXXX is in breach of their contract.

I have sent several letters via certified post to the HFD and have received no communication back, aside fro a letter stating I owed the full amount and that they are now threating to send me to collections. HFD is not the creditor XXXX XXXX XXXX, they are the collector of payments, XXXX XXXX XXXX  is bankrupt. Until someone reaches out to me VIA phone and updates the amount, they will not receive one cent from me, as that is fraud.
Product: Credit reporting or other personal consumer reports

My Mortgage company was brought out and they reported as a transfer on my credit report. Equifax dropped my score XXXX points because of it. 

It is not my responsibility what a mortgage company does. My responsibility is to make payments, and I have done that. I have never been late. However, Equifax dropped my score XXXX points. 
They also dropped my score XXXX points more for no reason at all I went from XXXX credit score to XXXX in 3 months. 

I would like my score and points back up to where it was.
Product: Money transfer, virtual currency, or money service

I was scammed and I didnt know XXXX transfers were not supported and/or protected through my account!!! XXXX should be a separate application from my USBank account.. theres a sense of false security and Im disappointed in myself mostly, but also with USBank!
Product: Credit reporting or other personal consumer reports

I've reached out to the the dealership as well as the respective credit bureau and was told that this matter will be reolved in 72 hours and no resolve have been reached ive spoken to represenatives as well as their respective supervisors and told this would be removed and they have not.
Product: Credit reporting

I wrote letters to XXXX XXXX and XXXX asking them to investigate and REMOVE the inquires form my credit reports from ALL XXXX BUREAUS because they were hard inquires and there was no basis for the inquires. I did not apply for anything with XXXX XXXX. It has already been investigated and the still want 60-90 days for this to be removed but it should not have been there in the first place. I have attached supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are erroneous and they threaten my livelihood. ( - # XXXX ( # XXXX ) ) 2 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 ) XXXX XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX XXXX XXXX XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX 9 ) XXXX XXXX 10 ) XXXX XXXX XXXX 11 ) XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  on several occasions to have them remove the public records for Bankruptcy case # XXXX removed. I have contacted the Public Records company XXXX XXXX and they have removed any public records that are associated under my name and I have submitted all documents to the credit reporting agency. XXXX is refusing to remove the public records stating that they have investigated it previously and are refusing to remove it. I am in need of assistance.
Product: Credit reporting or other personal consumer reports

I pre paid a 60 month loan in XXXX which was about 20 months early and had XXXX balance on XX/XX/year>. At the end of XXXX they reported me as late which cause my credit score to drop around XXXX points the Bank is Santander. 

I was in the process of buying a new car and was hit with a higher interesr rate costing me aprx. {$2500.00} extra over the like of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my tenth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX  XXXX Balance : {$1700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Misspelled names and addresses that I will never live that need to be removed
Product: Credit reporting or other personal consumer reports

I am writing to report an account listed on my credit report that I believe is inaccurate and does not belong to me. The account in question is XXXX XXXX XXXX  XXXX XXXX 

Details of the Situation - XXXX # XXXX The account was reported on my credit report dated XXXX and shows closed, such as the balance {$3300.00} payment status, - **Inaccuracy** : I have no affiliation with this account. I have never opened, used, or authorized any transactions related to this account. This could be a case of identity theft, a clerical error, or inaccurate reporting. 
- **Impact** : The presence of this inaccurate account has negatively affected my credit score and my ability to obtain credit. I have been denied credit applications and faced higher interest rates because of this erroneous information. 

**Actions Taken** : I have already attempted to resolve this issue by [ describe any previous actions you have taken, such as contacting the creditor, disputing with credit bureaus, etc. ]. Unfortunately, these efforts have not resulted in the removal or correction of this account from my credit report. 

**Resolution Requested** : I request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of the inaccurate account from my credit report. I believe that correcting this error is essential to ensure my credit report accurately reflects my credit history.
Product: Debt collection

On XX/XX/2019 I received a call from Capital Accounts LLC threatening that I owe for a medical bill. I explained to them that I am a XXXX recipient and XXXX XXXX XXXX is looking into this matter, because the XXXX   office Dr. XXXX XXXX who at the time participated with XXXX decided they were not gon na submit the bill for billing. I have explained to Capital Accounts that they are violating Sec. 1128B. [ 42 U.S.C. 1320 a-7b ] of the Federal Health Care Programs. Also I have asked them to stop calling my place of employment and that has not ceased!. I have been harassed by them on several occasion starting XX/XX/2019 to present. On XX/XX/XXXX I received an email from XXXX XXXX stating that Capital Account placed a derogatory report on my credit profile. I have file a dispute, disputing the derogatory account with XXXX, XXXX and XXXX. Due to this situation my credit score dropped by 15 points. 

XXXX XXXX XXXX office is aware that I am a XXXX recipient, I have spoken to them on several occasion about this issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX, Equifax and XXXX has violated my rights by having Bankruptcy XXXX XXXX XXXX XXXX XXXX on my reports. 

15 U.S.C 1681 section 602 A states I have a right to privacy. 15 U.S.C 1681 604 Section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card

There was charges on my account that I did not make and once I noticed them i immediately reported the charges to the Citi well almost two months later nothing has been done on my account. I call them on XX/XX/23 only to find out my claim was never done and this amount is still reflecting on my credi and my account even though they issued me new cards they never filed the claim
Product: Mortgage

My problem is with the lender who owns the mortgage loan for my house I have owned for almost 25 years, Nationstar Mortgage. They have made the loss mitigation process very difficult, they have not allowed me to work with a Spanish speaking processor, and the people they have assigned to work with in the past have been difficult to communicate with. My family is being pushed into foreclosure, even though with the addition of my wifes income and job we clearly can afford a fair monthly payment. The problem is getting an actual review of our information completed  by Nationstar.  We feel that they are blocking us from government and internal programs tha t may be a ble to help us with get back into good standing with our mortgage, which is what we want to do, but wanting to pay and get caught up is not enough if the lender is  Nationstar w ho will not work with you the right way.     I bought our home in  XXXX . During the mortgage boom in the  XXXX  I refinanced a couple of times, and the last loan that was written was with   XXXX   XXXX   in  XXXX  ( right before the crash ). The loan was with  XXXX  for a period and then went to  Nationstar. I  had some financial challenges in the past and at  one  time I was approved for a modification. My struggles arose again in   XXXX   as I was overwhelmed with expenses and a loss of overtime hours. At that same time my son was accepted to college which was a huge moment for him and we provided some help with this to get him enrolled. We were overwhelmed with expenses and struggled to keep up with our payment. We began trying to start the negotiation process at that time with a lady named  XXXX  but she was difficult to reach and we had requested a Spanish speaker. We continued to struggle financially, and then my wife got a job at the airport making a solid income. When put together with my income as a machinist ( been doing it for 32 year s ) w e had sufficient income to make a fair and reasonable mortgage payment.     However, as I described  Nationstar has  not been easy to work with us and has not assigned us a  Spanish s peaker and have not taken the time to review our file and case and income and expenses and determine which government or internal program works for our family. This is an avoidable foreclosure if only Nationstar would work with us. At this time they are trying to set a foreclosure sale date instead of working with us.  Nationstar  would make a lot more money if they would restructure this loan and modify it so that we can resume making payments than if they were to sell it at auction. We want  Nationstar t o follow the federal guidelines and rules of the state of Illinois and consider us for all government and internal programs in order to give us the chance to fix this problem
Product: Credit card or prepaid card

I had a Caesars Rewards Visa Credit Card and tried to take advantage of a transfer balance prom to off other credit cards. 
During XX/XX/22 I paid my balance to a negative XXXX so I could keep paying any interest on the amount I apply for. Between XXXX I applied for the amount of {$4600.00} and it went on my statement. The transfer did not work and was interest on XXXX XXXX  card and payments to a transfer that did not happen. I spoke with Caesars Rewards Visa and they said there was a problem with making the transfer to XXXXXXXX XXXX  I said cancel my card and the {$4600.00} was removed from my card which never received. 
In both XXXX & XXXX received statements that I owed {$4600.00} with late fees & interest. Each I called and fought through the people wanting a payment to a manager. 
Each time I was told they clear up the problem The last conversation was opening investigation case taking XXXX days. On XX/XX/XXXX I received a letter that Caesars Rewards Visa had found the duplication charges and was clear of all charges, interest, fees, and bad credit reports. I was so happy. 
Mid XXXX I received the same statement I owed money, I called and spoke to a manager. I was told to wait until XXXX and everything should be corrected. XXXX cam and the same problem, after 2 hours on the phone and calling the Caesars Rewards Visa phone number, NO XXXX had any knowledge of the letter. A letter that Caesars Rewards Visa had sent me. 
Again, believe it or not Caesars Rewards Visa opened another investigation case that again can take 30-90 days. 
I am at a point where I need a solution or a recommendation on a lawyer. 
I have all my XXXX XXXX statements and NO money was ever deposited into that account, also it resolved by Caesars Rewards Visa that they made an error. However, there customer service has no idea what they are doing. 
This is affecting my life and I need this fixed