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

This account I have reached out to equifax to fix back in XX/XX/XXXX and they responded in less than 6 days closing it out with no updates that I pointed out. I showed my account information incorrect with a past due balance and credit limit on a closed account that is in collections. I have reached out to them and they did not investiate this properly. The collection company is XXXX XXXX and the account ends in XXXX. They are reporting a high credit, past due monthly amount and are pretending to be a creditor but they are a collections company. They are reporting in a way that is dragging down my credit score and preventing me from getting a home to purchase. I am frustrated and I need someone to help me in the government because I believe they are nothing more than two computers talking to each other using a program called metro 2 and reporting errors. The government should step in and make this right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize an inquiry to be done of my credit report. 
XXXX XXXX Inquiry from XXXX XXXX, 2017 XXXX XXXX XXXX
Product: Debt collection

I recently pulled my credit report from all three credit bureau 's. After reviewing my reports I noticed a collection account listed that I had no knowledge of. The collection company name was listed as Diversified Consultant. The company says there is a bill in the amount of {$1100.00} owed by me. The company also say 's this collection was placed in XXXX of XXXX. After checking my own personal records and files I was not able to find documentation of any contracts, bills, with my name or social etc, supporting this claim. 
I reached out to the company per certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. The company has since removed the collection from only my XXXX  account, but are still reporting it on the XXXX  as well as my XXXX  account. Please assist me in getting this negative inaccurate account removed from credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The TransUnion credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting items as unverified information without providing any proof within the period allowed by law. The item need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$11000.00}, XXXX  XXXX Open Date XX/XX/XXXX Balance : {$0.00}
Product: Student loan

So Im told because XXXX did not receive my " recertification '' letter weeks after they told me to submit it, I 'm being penalized and my payment went up from {$150.00} to {$950.00}. I have paid XXXX a total of {$10000.00} since inception and my balance has not moved but instead went up to {$68000.00}. These people are loan sharks. As a veteran of the United States XXXX I 'm appalled and disillusioned at how this nation handles student loans. Im 43 days and in risk of being reported to the bureaus. I have sent them a check via registered mail this past week for {$160.00}. I plan to make the rest soon but Im afraid that they will report me making my situation worse than it is. I have worked for XXXX XXXX XXXX until recently but can not any longer especially after just finding out the program might phase out. XXXX is very unforgiving and preys upon the military. I want to ask you for help before I seek legal assistance. We are given five days to submit recertification documents which will never get processed on time due to staff shortages. So in essence people will default and the excuse will be " we never received your recertification letter on time. '' Im urging YOU to please help, this can be your son or daughter in the same predicament. XXXX is thriving hoping that students will keep their mouth shut and continue making payments. I will take this as far as I can to my legislators and senators and bring proof to them in form of payment receipts that what they 're doing is illegal.
Product: Mortgage

XX/XX/2022 I Applied For Forbearance On Home Mortage As They Were Showing On Ther Web Site With Community Loan ( Formally Bay View Loan SVS. ) & They Said They Could Help With That Up To 6 Months Or Up To A Year I Sent Application In & They Responded With Ok & That They Were Going To Re Look At It 90 Days Out So They Did They Asked Me If I Was Still Strugling & I Responded Yes/ That Was XX/XX/2022 & At End Of XXXX I Got A Letter From Another Company ( XXXX XXXX XXXX ) That Was A Dept Collector On Loan I Then Tried To Go On Line Where My Account Was ( Community Loan ) To See What Was Going On & Site Was No Longer Avaliable To Me & I Have Been Talking With XXXX XXXX XXXX. Since Then & Trying To Get Some Help With Lower Payment Or Loan Modification. I Then Found Out That Former Lender ( Community : Loan Did Not Put It In Forberance But They Differed Payments Instead. I Went To XXXX On Line For Help & They Are No Longer Accepting Applications At This Time. My Next Steep Is Looking Localy To See If I Can Get A New Loan With New Lender
Product: Debt collection

Received a stern message from a debt collector @ XXXX with personal information shared ( XXXX ) stating this was a warning & if I did not return the call my employer would be contacted & legal action would be taken against me. The caller gave my full address & stated I would be served but must provide photo ID & wear a mask. Others in my family also received the same message. I have no idea what this is in reference to & do not appreciate the threat. If money is truly owed, send me a bill!
Product: Checking or savings account

Navy federal has been charging us for over draft fees by oops and we are sick and tired off this we need our money back can you please look into this
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 3Credit 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, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX - late open 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 or other personal consumer reports

DEAR, TRANSUNION I WOKE UP WEDNESDAY, AND PULL MY CREDIT REPORT JUST TO CHECK MY CREDIT. I THEN REALIZED. I HAVE BEEN A VICTIM OF A CRIME... PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT. XXXX XXXX XXXX IS THE FRAUD ACCOUNT OPEN IS XX/XX/year>,
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these erroneous items to be authenticated ( A ). I will take legal action against you if you do not fix these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I was late in paying the XXXX payment and entered into a forbearance agreement because I was not sure if my stock investments would rise to a comfortable level to start paying the mortgage again. On XX/XX/2020, I tried to pay the XXXX and XXXX payments, but the servicer 's system would not allow me. It was only asking for the amount of {$850.00}. In the months prior to this XXXX forbearance agreement, my checking account was charged automatically every XXXX of each month. So, I am guessing that the system would not allow me to pay two month 's mortgage payment because its system recognizes that I am late only for one month. 
I tried to pay by ACH, but the servicer 's system also would not allow it. It was later explained to me that it was because I was in forbearance. I therefore paid the XXXX payment. I saw the EZ fee, but I assumed it was for late payment fee. It turns out that it is for paying electronically. Their fee schedule described EZ fee as being for late fees and electronic payments. I just assumed that it was for late fee because I have not come across a company charging a fee for paying electronically. 

I called to request a refund of the {$15.00} fee, but I was told it could not be done because the servicer 's system would not allow it. If I had paid by phone, it could be waived. 
Oddly, I paid the fee with the XXXX payment but the XXXX mortgage statement shows that the charge was on the XXXX payment. It also shows that it seems to have been waived or reversed. I did not receive any check for that amount, however. It would not be forthcoming, I was informed. 

On XX/XX/XXXX, I called about the difficulty in making the two months payments. I was then asked to pay the XXXX mortgage by phone without the fee. 

I also asked the representative to remove my account from the forbearance agreement and restore the automatic payment draft. These were done while I waited on the phone. 
The XX/XX/XXXX mortgage statement still shows that I am in forbearance. 

Upon receipt of the XXXX mortgage statement, I asked the company to write a letter to the credit bureaus, with copy to me, that I am no longer in forbearance agreement. I had told the representative that I am about to close on refinancing my loan and that I need a letter from them stating that I am not in forbearance. I explained that if the refinancing bank sees that I am in forbearance, it might withdraw its commitment. The servicer refuses to issue a letter.
Product: Credit reporting or other personal consumer reports

I can never reach anyone at experian. The the number works but you can only talk to a reboot, that has very limited resources to assist with the issue. I downloaded the app and logged into my account. I discovered that there were multiple different addressed, name, numbers, and accounts that is have no knowledge of. I updated my address but the other ones are still saying current. When i go to file a dispute is tells me to call the number but i can reach anyone.
Product: Credit reporting or other personal consumer reports

Hello I found three unauthorized fraudulent inquiries on my credit report. Please help me to remove those unauthorized inquiries from my credit file
Product: Mortgage

I have been working with Ocwen for quite some time now to retrieve a loan modification. Just recently, Ocwen has denied the loan modification and informed me that they did not review any of my income. My income is very important part of the process and unfortunately Ocwen is not considering it. I am in position to pay my mortgage based on the income I am currently receiving. I am not asking for any adjustments. If they brought my account current, i would be ok with that.
Product: Checking or savings account

When I had money in Wells Fargo they allowed me to overdraft and when the money was back in the account they charged over fees which caused them to close my account. This account closure costed me more than XXXX in PPP loan because there account was closed and wouldn't accept it, I had already received XXXX in this account of XXXX that was approved from government, as of today I received a remediation payment for {$70.00} which I don't understand, because as long as it's been and all that it costed me I should have received more, at least half of the amount that I was approved for in the ppp funds but didn't receive because my account was closed
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It is a crime to threaten lawsuit with no intention of doing so, therefore you can take heed that I am very serious about filing suit against your company. I have sent previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way.If this final request does not prompt you to conduct a proper investigation of these accounts in question, and send proof to me of the investigation, I will file a civil suit in my county for damages and you can travel to defend yourself.I take my credit very serious and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act and I intend to pursue them to the maximum.I am requesting that XXXX XXXX be removed immediately
Product: Debt collection

Commenity Capital is trying to collect on a debt that I supposedly owe that is not mine. 

This debt is in the name of XXXX XXXX. My name is XXXX XXXX. 

I have contacted them on numerous occaisions via certified letter regarding this and they refuse to remove the bad debt from my credit reports. 

I've contact the credit bureaus and 1 out of 3 have removed this error but the other two so far have not. I have also contact the credit bureaus on numerous occaisions by certified letters. 

The debt in question is this Account : # XXXX Date Opened : XX/XX/XXXX Date Updated : XX/XX/XXXX Orginal Charge Off : {$2200.00} Credit Limit : {$2100.00} Pay Status : Sold, ChargeOff This debt is showing up on my credit reports, specifically XXXX and XXXX, XXXX removed it, and this has definately hindered my ability to get credit or apply for credit. In fact it has also caused me emotional harm. Being denied for credit because of someone else 's debt on your credit reports is simply awful! 

Also, this is a HIPAA Violation. To share someone's medical information with other people, or third parties like myself and the credit bureaus is definitely a legal matter and something I am looking into as I write this. 
My request is for Commenity Capital to remove all of these bad debt entries from every single one of my credit reports including, XXXX, XXXX XXXX, XXXX and all the others. I don't know how far this has gone but it has tainted my reputation and reduced my credit score by well over XXXX points maybe more! 

Police Report filed with this complaint
Product: Credit reporting, credit repair services, or other personal consumer reports

I just submitted a complaint for this problem and experian only addressed 2 of my 5 fraudulent account disputes ( after saying they were addressing them ALL ) then closed out the complaint. This is unacceptable. I am going to re list the remaining disputes I need opened. They also completely ignored the fraudulent address on my report. 


Iwas the victim of ID theft a few years back and have managed to get this fixed up with XXXX  and XXXX, however EXPERIAN   refuses to delete the erroneous accounts and addresses on my reports and will not even allow me to dispute anymore! I have sent my IDS, social security card and Address verification to make sure its in accordance with the FCRA. There are now 2 accounts left that are not being disputed that are not even mine listed as negative and 1 address I have never ever lived at. The fraudulent address is listed  as - XXXX XXXX XXXX, XXXX XXXX, ri, XXXX, The 2 remaining fraudulent accounts that disputes were not opened by experian  are are XXXX XXXX credit card, and XXXX  XXXX XXXX Account. I have disputed all of these with the proper documentation and experian  is the only credit bureau not following the FCRA for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XX/XX/XXXX and XX/XX/XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to  make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed Made by : XXXX XXXX Made on : XXXX Made with : Experian Made by : XXXX Made on : XX/XX/2020 Made with : Experian
Product: Checking or savings account

On XX/XX/XXXX, I visited a Wells Fargo branch to open a XXXX checking account that I had been receiving marketing emails promoting. There were several emails promoting this offer with subject lines like " reminder : your {$2500.00} bonus is waiting. '' The emails created a sense of urgency with an ending date of XX/XX/XXXX. 

XXXX XXXX opened the account for me at the XXXX XXXX branch. I provided him with the promotional code that I had been emailed XXXX. He checked my eligibility since he noticed that I had had the account before and received a bonus before. The terms stated that one was not eligible if they had received a bonus in the past 12 months. He concluded that since I had received the bonus on XX/XX/XXXX that I should be fine. He did call someone in the back office and they confirmed that the terms would be satisfied by opening the account more than 365 days from the date the last bonus had been received. 

We opened the account and he explained that I could bring over investments or cash and link my accounts to satisfy the XXXX XXXXXXXX requirement. As per the terms, I brought over the money within 45 days and held the funds beyond 90 days. 

When I did not receive the bonus within the specified time frame, I reached out to the bank. I called and the service person escalated my case to the executive office. XXXX there handled my case and explained that the executive office was claiming they would not pay the bonus since I had received a bonus previously. I let him know that I was advised otherwise by the XXXX XXXX who had opened the account. He explained that since I received the bonus in XX/XX/XXXX I could not be eligible. I was outside of 365 days or 12 months so the banker, the person the banker had spoken to in the back office and I all felt that I was within the terms. I also had received many marketing emails for this promotion. 

The terms stated : You are not eligible for this offer if : You have received a Wells Fargo XXXX Checking bonus within the past 12 months. 
You are a Wells Fargo employee. 

I will attach the marketing emails that I received as well as the link to the promotion. This feels very deceptive since I brought over a large amount of money. If at any time the bank felt that I would not be eligible for this promotion after opening the account and attaching the promotion, they certainly could have gotten in touch with me before I moved this much money and met the terms. 

XXXX XXXX XXXX
Product: Debt collection

My identity was stolen the debt is not mineThe creditor using threaten tactics to recover money that is not mine Im being harassed at work and at home after XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, Under 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates. I XXXX XXXX XXXX never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft.
Product: Debt collection

I received a information from XXXX XXXX, that`s my social security number received a collection account. Account balance : XXXX $ From Southwest Credit System, and original creditor is : XXXX. 

My plan is form XXXX Since XXXX. 

I went on XXXX XXXX store, today ( XX/XX/XXXX ), They couldn`t find anything in my social security number, The Southwest representative said, the XXXX doesn`t have any information about this debt, but the Southwest have it. That`s crazy. 

The " unpaid '' bill was in XXXX. 

I`m trying to get the original bill from XXXX XXXX, but XXXX XXXX  doesn`t have the bill. The Southwest Company always said tha`ts will send to my address, but i never received anything about that. 

The other thing is, the Southwest representative said the original amount is XXXX ... So they are charging XXXX? 

I`m trying to loan a new car but my credit was not approved because this collection, where no body have the original bill. 

Just check the reviews from this company ... they do not have good behavior on the market.