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

XXXX XXXX XXXX XX/XX/2019, XXXX XXXX XXXX. XX/XX/2019, XXXX XXXX XXXX XX/XX/2019 XXXX XXXX XX/XX/2019 All these inquiries on equifax report which are from identity fraud nwithwr companybor bureau will not remove them whenbi did not do these no id or my signature to approve this Attaches is mm y identity theft to cpfb on the companies which have no address or anything to contact them
Product: Debt collection

XX/XX/XXXX moved out early and was charged {$5900.00}. After 5 years of trying to negotiate XXXX ultimately had no choice but to change the amount according to the last statement balance of {$1900.00}. 
I have been denied, charged XXXX times the deposit on various occasions. 
I asked in XXXX and XXXX to settle for $ XXXX which was denied. I had been put on hold for an hour and talked down by the receptionists. 

This was very unfair treatment. Perhaps it had to do with me being a female because a guy friend called and XXXX was willing to make a deal for $ XXXX. I declined. I am so upset at the entire situation. I had little to no choice for a good standard of living with XXXX children. Its devastating. It truly is.
Product: Debt collection

Debt collections reached out for accounts that I have no knowledge of. Stating that I owed them money. Once informed of debt, I started looking at credit reports and started finding more accounts that were not opened be myself. XXXX XXXX XXXX Account opened XX/XX/XXXX for a line of credit in the amount of {$500.00}. When I contacted company I gave my name and explained that it was fraudulent and started asking for other names on the account, address on the account and email. The man said that he could not and that I had to provide information. I gave him my ex wife 's phone number/address, he confirmed that those were in fact on the account. When I asked for the email provided he gave it then when asked for the fraud department, he promptly disconnected the call. Sezzle Inc account opened XX/XX/XXXX for a line of credit. Once contacted I explained that it was a fraudulent account. I was supplied with an email/address and phone number from my ex wife. XXXX XXXX XXXX  account opened XX/XX/XXXX for a line of credit in the amount of {$650.00}. I reached out to customer service and explained that it was a fraudulent account. I was provided with an email/address and phone number. XXXX XXXX account opened XX/XX/XXXX for a loan. I contacted XXXX XXXX and explained that it was fraudulent. It was explained to me that I owed {$1400.00} on a {$700.00} loan. I was directed to the fraud department and completed there fraud paperwork. I was given the email and the name of the banking institution that the loan was sent to. I then contacted the XXXX XXXX, XXXX  Police department XXXX XXXX XXXX, XXXX  Police department to file charges. With the information given to me by the collections and customer services representatives I believe it to be the work of my ex wife. Using documents from our marriage prior to divorce, she opened multiple lines of credit in my name. I can provide the emails given to me along with the addresses and phone numbers. XXXX XXXX, XXXX  Police case number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Ally Bank is withholding fund longer than Federal Regulation set by Regulation CC. Ally Bank 's routing number is XXXX.
Product: Money transfer, virtual currency, or money service

InXX/XX/XXXX, after seeing an offer for a 0 % interest on balance transfers to my XXXX card I decided to transfer {$1200.00} from my XXXX credit card, the account ending in xxxx, to my XXXX card. The requested transfer appeared on my XXXX card on XX/XX/XXXX. Around the same time as I arranged for the transfer, that XXXX card ( xxxx ) was compromised and cancelled and replaced with the account ending in xxxx. I called both Comenity and XXXX and was assured that despite the original account being closed, that any transfers would automatically go to the new account.
In mid XX/XX/XXXX I called both Comenity and XXXX as the transfer had not yet appeared on my XXXX card. I was told by one of the Comenity representatives that it may take as long as 21 business days for the transfer to go through.
On XX/XX/XXXX I again called both Comenity and XXXX as the transfer had still not appeared on my XXXX account. On XX/XX/XXXX Comenity put a provisional credit on my XXXX card while they investigated this.
I made several more calls in XX/XX/XXXX to both Comenity and XXXX and each time was told I needed to talk to the other of them about this. OnXX/XX/XXXX I received a letter from Comenity stating that the transaction had been completed to XXXX XXXX XXXX with check number XXXX. Now I understood the problem since I had asked for a transfer to a XXXX XXXX account and I do not have any accounts with XXXX XXXX XXXX.
I again contacted Comenity and was told I needed to submit a dispute, in writing, which I did once I received the forms.
I received a letter datedXX/XX/XXXX, saying that Comenity would again give my account a provisional credit while investigating this. After the account did not show the credit I sent a message and received a reply stating that my account is no longer considered in dispute.
I put in yet another dispute through Comenitys secure message option. I received a message back stating that they would again give my account a credit while they investigated. They did give my account the credit and I heard nothing further from them until I logged into my account on XX/XX/XXXX and the {$1200.00} was again on my card as a balance owed.
I sent another message through their Secure Message option, XX/XX/XXXX, stating that I am still disputing this since I never got the benefit of this transfer. I would not dispute paying what I owe BUT I did not get the benefit of this. Someone, not me, at XXXX XXXX XXXX is enjoying {$1200.00} that they are now asking me to pay back. I requested that they do something about retrieving their funds from XXXX XXXX XXXX and cancel the transfer all together and take the {$1200.00} off of my XXXX  card.
I have since paid off the XXXX card, on my own, that I had wanted the balance transfer to go to. All I want is for them to admit they made an error and take that {$1200.00} off of my card and stop expecting me to pay something I really do not owe them.
Product: Student loan

These loans are 20 years old. Forster and Garbus provided the attached document when I put a complaint through last year regarding the loans I have. The document states they will not sue, but they have since taken a garnishment. This initial lawsuit back in XXXX was past the statue of limitations so that seems to be shady tactics also. In XXXX they called my in-laws multiple times ( XXXX XXXX ) stating it was an emergency and I needed to reach out to them. The bank we originally received the loan from had a table outside of the financial office at XXXX XXXX. This was a predatory way of making people get private loans. I was the first in my family to go to college, my Dad came with me to do my financial aid and was given an ultimatum by the bank at the college. He was told it was my only way of being able to go to college was to get these loans. All aspects of these loans from start to now is shady and dishonest.
Product: Mortgage

In XXXX my property was fraudulently foreclosed upon through PNC Bank and has continued to be reported on my credit reports despite a settlement with federal regulators in XXXX. This fraudulent foreclosure and its related erroneous information have been disputed both with the XXXX major credit bureaus and with PNC Mortgage directly. I have made repeated attempts to resolve this matter, but PNC Mortgage 's blatant disregard for compliance with federal and state foreclosure laws and regulations as well as disregard for compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act have become overwhelming. I feel I have been victimized by PNC Mortgage, and that PNC Mortgage 's continued reporting of erroneous information has caused me financial harm. 
I have maintained that this " foreclosure '' was faulty if not completely fraudulent. This position is supported by the fact that as part of a settlement with Federal regulators in XXXX, PNC Bank issued a payment to me admitting that I was eligible for payment due to being victimized by their faulty lending and foreclosure practices. At that time all fraudulent reporting of the " foreclosure '' of the " account '' should have been immediately ceased and deleted. This unfortunately has not been done as of today 's date.
Product: Student loan

I am getting harassing phone calls from Navient. I am called about XXXX times a day, including weekends.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX should not be reporting a balance of {$390000.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXXXXXX XXXX XXXX XXXX XXXX needs to report a {$0.00} balance. This duplicate reporting of a balance due is seriously harming my credit score and this line item needs to be updated. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. I have contacted the bureaus, as well as XXXX to fix this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX  XXXX Account is in violation of FCRA because is reported as Charge OFF and Written OFF at the same time. Account repeatedly reporting C/O every month in XXXX, XXXX, XXXX of XXXX, and XXXX, XXXX, XXXX, XXXX in XXXX. Re-aging the account is illegal. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Violation The following accounts are claiming to both own the same debt with balance. Also account is reported as Charge OFF and Written OFF at the same time. Both accounts need to be removed from my credit report. 
XXXX XXXX XXXX XXXX  XXXX Experian is reporting the same account XXXX times and this is violation of my rights. 
Debt collector was unable to validate debt pursuant XXXX XXXX CFR 1006.34. See documents and proof of receipt attached. 
XXXX XXXX XXXX ACCOUNT is reported in collection but missing information as when/if the account has been sold, and not reflecting a {$0.00} after sold. Account is reporting inaccurate data.
Product: Debt collection

I have contacted LVNV SEVERAL times as they have an ILLEGAL account under my social on my credit report. I am XXXX XXXX XXXX currently and this supposed credit card account was created when I was a MINOR and they have changed my date of birth to make me appear to be OLDER than what I am. I have sent them my identification as well as my HIGH SCOOL transcripts on numerous platforms including. I have told them several times to remove me from their system and delete the losing on my credit report damaging my credit and they have NOT done so still. The address is even fake from another state where I do not reside. This is a direct violation of the law and they engaging in illegal practices. They have my XXXX listed as XXXX or XXXX which is a lie. I was literally XXXX in high school and only XXXX now. 
I was a MINOR and its illegal.
Product: Debt collection

I was called and harassed by the company XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had never opened this credit card from bank of america. 
I would like to request my original document with my original signature so I can check and remove charge off from my credit report
Product: Credit card

I am a XXXX XXXX AmEx continuously denies my request for SCRA reduction in CC fees. I apply online ; they send me an email rejecting it ; I call them and they open up a service inquiry, then most times they end up honoring the SCRA regulations. Im tired of the run-around and how many other airmen are being incorrectly denied their SCRA benefits? AmEx and XXXX are in a class action lawsuit for this exact reason. I would like to log a complaint against AmEX ; I am just unsure of which entity/company/bureau I should speak with.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my EXPERIAN, XXXX and XXXX credit report and found the following accounts listed as late payments on my credit report on top of the inaccuracies : Account # : XXXX Account # : XXXX Account # : XXXX Your company is in clear violation of the law under 15 USC16811b - Permissible purpose of consumer reports. THE LAW CLEARLY STATES : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

*I DID NOT GIVE YOU PERMISSION TO FURNISH THESE ACCOUNTS AS LATE.

THE FAIR CREDIT REPORTING ACT PROTECTS ME AS A CONSUMER AND STATE THIS TYPE OF ( reporting ) is *EXCLUDED* FROM FURNISHING AND REPORTING.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to ( transactions or experiences ) between the consumer and the person making the report ; A LATE PAYMENT IS A TRANSACTIONAL EXPERIENCE BETWEEN MYSELF AND WHO I DO PRIVATE BUSINESS WITH. 


*DELETE THE LATE PAYMENTS ON THE ACCOUNTS IMMEDIATELY. 

XXXX NOT DELETE THE ACCOUNTS. 


Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practice Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 usc 1681 violations for willful noncompliance - 616 Civil Liability for willful noncompliance 15 USC 16811n Negligent Enablement of Identity Fraud I will start a complaint with FTC and will reach out through proper communications.
Product: Debt collection

I filled for Bankrupcy in XXXX of XXXX. This company continued to try to collect the debt during the bankrupcy even after being contact by my lawyer and being served by the court at least 5 times. After the Debt was discharged I filed a complaint the credit agencies provided the petition for bankrucy as well as the Discharge that was granted. 

On XX/XX/2023 Marcus by Goldman Sachs responded electronicky and in writting the I still owe the Debt, which is a Violation of the United Stated Bankrupcy Protection act. And that they are going to continue reporting it to the credit agencies. 

I, My lawyer, or the court have not given them the bankrupcy papers atleast 6 times. 2 times now post discharge. this complaint with the 3rd time post bankrupcy they have been provided the court documents of discharge.
Product: Credit reporting

The ( XXXX ) addresses below are reflected on my credit report, however I have never lived at either address. 

XXXX. XXXX XXXX XXXX, XXXX XXXX, XXXX CA XXXX. XXXX XXXX XXXX, XXXX, CA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Credit Bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts Credit Bureaus post on a credit report. Otherwise, anyone paying for Credit Bureaus reporting services could fax, mail or email in a fraudulent account. 
I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Credit Bureaus have on file of the XXXX/ XXXX XXXX Student Loan account .Ive Been trying to verify this account for six months from XX/XX/2017 - XX/XX/2017 and the Credit Bureaus failed to positively verify these accounts and has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof. 

I ENCLOSED A COPY FROM XXXX REPORT SUMMARY STATING THAT THE ACCOUNTS XXXX/ XXXX WAS UNVERIFIED AND WAS DELETED.
Product: Mortgage

XX/XX/XXXX- Freedom contacted me to streamline and sign up with them. They kept in close contact frequently until I started to have issues with my payment. 

XX/XX/XXXX I was approved for a XXXX XXXXXXXX XXXX XXXX. 1st payment was XX/XX/XXXX. I paid each month until XX/XX/XXXX, I started to get behind due to financial difficulties. 

XX/XX/XXXX - XXXX contacted Freedom to explain the hardships I was experiencing. Per their website, I applied for a hardship. I checked the status almost every day. 

XX/XX/XXXX member portal on Freedom 's website showed, new loan was in progress. 

XX/XX/XXXX- I was locked out of my account online XX/XX/XXXX - member portal showed " your account is in active foreclosure ''. feeling scared I sent a partial payment. I contacted the VA loan technician. I stayed in constant communication with them. I also at this time assigned my sister as authorized representative to assist me. This stress was starting to aggravate several of my XXXX XXXX. 

XX/XX/XXXX - I resubmitted a hardship loan application. I continued to experience periods of not being able to access my account online. 

XX/XX/XXXX - I tried to resume payments since I was able to. Freedom rejected the payment. 

XX/XX/XXXX- the link for the hardship application was showing to " upload bank statement and proof of income ''. I started to prepare those documents, then when I logged on to upload, I was again locked out. 

XX/XX/XXXX- XX/XX/XXXX - I got inconsistent messages from Freedom to include being referred to a single point of contact who never contacted me. Voicemails went unanswered. I started receiving mail from lawyer offices and realtors asking to utilize them to sell my home. A few realtors stopped by to take pictures asking my family what I wanted to sell my house for. the letters have not stopped. 

XX/XX/XXXX - feeling even more scared, I tried to send a full mortgage payment, this was again rejected. The VA notified me the foreclosure was halted until XX/XX/XXXX. I received some letters, others went 'undelivered ' per Freedom stating my previous mailing address in XXXX was causing their letters to be returned. 

XX/XX/XXXX- I was able to log on and saw that same " upload documents link with XX/XX/XXXX date. I tried again the next day and the site read " Oops it's not you, it's. '' I sent the VA all the documents I am submitting to you for this complaint. The VA is under the impression that I only made 1 payment after the modification. They and the post office verified that my mail was no longer being forwarded to my old mailing address. 

XX/XX/XXXX - the VA notified me that Freedom mortgage mishandled my VA XXXX Refund Modification that they granted to me in XX/XX/XXXX. It was not properly administered ; there were significant missing qualifications lacking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act Transunion Inquiry XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated my rights. 

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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, i have sent multiple letters to both XXXX  and transunion but have not received any responses from them. i am aware that they have 45 days now during the covid 19 pandemic but they are ignoring my requests. The letters were received XXXX and i have the tracking number to prove. That is for second letter indicating that they have not responded to previous letter.
Product: Debt collection

Someone stole my information and opened several credit cards under my name. I was able to dispute most of them with XXXX and XXXX  and they deleted all of them. 
that person opened and credit card with Capital one Bank account ending : XXXX and its charge off now. 
I would like to have this delete to all my credit report. XXXX and XXXX deleted some off them but haven't contacted XXXX yet to dispute all fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by a bank I am in the middle of securing a loan with that State Employees Credit Union has marked a discharged account into a charge off status illegally. The accounts they reported with balances of {$15000.00} and {$450.00}. They flagged my XXXX  and XXXX  illegally and reported charge offs after being discharged in a chapter XXXX bankruptcy back in XXXX. If all accounts are not removed I will be moving forward in a lawsuit to sue them for illegally reporting to the credit bureaus inaccurate information. They are no longer to even check my credit report by law and its being flagged by them. This has negatively affected my credit and my loan I was in the middle of obtaining. They refreshed the account which made my credit drop nearly 100 points. It is unlawful and very illegal and had caused my family and I great hardship during a pandemic.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint against XXXX XXXX XXXX and equifax credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation wrong information such as old address wrong employers email address public information on my credit report and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please