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

To Whom It May Concern : I am a XXXX veteran and run a charitable 501c3 XXXX that saves wild mustangs and assists our nations veterans with suicide. I have recently become aware of some major hacks to my social security number and from their have started requests from the 3 major credit bureaus and the IRS in particular for help in correcting the situation. This situation has limited my ability to help the veterans as I was denied credit for not knowing false information was on my credit reports.

I am reaching for assistance regarding my credit report and the multiple times social security number has been hacked and used according to all 3 major credit bureaus XXXX, XXXX and Experian. 
I have already requested an investigation from the Internal Revenue Service ( IRS ) regarding my hack. 
I am including dates and items that I would like fully investigated and deleted from my credit reports as it is not me nor have I been associated with this account. I have never heard some of these items. And now I am reaching out to you for help. 
In the following 15 U.S.C. Sec. 1681 ( a )? I am aware that if proof can not be provided, these accounts must be deleted.I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back with me, it is much appreciated. 
The social security breaches occurred on the following dates according to all 3 major credit reports : Site : Number of Breaches Type of Information Dates of Records XXXX 3 Social Security Number/Phone number/ XXXX passwords XX/XX/XXXX XXXX 2 Social Security Number/ Phone Number XX/XX/XXXX XXXX 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ XXXX XX/XX/XXXX Unavailable 1 Social Security Number/ Phone # / XX/XX/XXXX XXXX 1 Social Security Number/ Phone # XX/XX/XXXX Dark Web 1 Social Security Number XX/XX/XXXX XXXX XXXX Social Security Number XX/XX/XXXX XXXX XXXX PLEASE RESEARCH AND DELETE THE FOLLOWING ACCOUNT ON XXXX, XXXX and Experian ACCOUNT NAME : XXXX PAST DUE XXXX : {$25000.00} LATE PAYMENTS : START DATE XXXX 3-120 plus days, 2-90 days- 2-60 days 2-30 days ON TIME : XXXX DATE : XX/XX/XXXX CHARGE OFF/ DATE OPENED XX/XX/XXXX ACCOUNT NUMBER : XXXX ( THIS ALL THE INFORMATION ON ACCOUNT NUMBER I HAVE AVAILABLE TO ME ) ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, DE XXXX Thank you for your assistance in handling this item immediately. 
XXXX XXXX Please find Driver License for verification of Identity
Product: Credit card or prepaid card

A balance transfer was made in the amount of {$5600.00} in XXXX of XXXX from my XXXX XXXX card to a Wells Fargo card. I began contacting XXXX XXXX in late XXXX because the balance transfer had not come off of that account. Throughout summer, both companies were contacted multiple times. Wells Fargo completed several research requests concluding that they did send the funds. XXXX XXXX still stated the funds were not seen. In XX/XX/XXXX, I called Wells Fargo and discovered that the last 4 digits of the account number they sent the funds to did not match my account. I am unsure how these numbers got changed. To remove the balance from my account, XXXX XXXX is requesting an EFT report showing that the funds were sent. 

On XX/XX/XXXX, I called Wells Fargo requesting that further documentation be sent showing that the balance transfer occurred. They stated that the only proof they could provide is my statement. The statement had already been sent to XXXX XXXX and was determined to be insufficient proof of transfer. Wells Fargo stated that the only other option is a custom letter. I again called XXXX XXXX to let them know. After some discussion, a three way call was done between myself, the XXXX XXXX representative named XXXX, and the Wells Fargo representative named XXXX. This call was recorded on both sides. XXXX stated to XXXX that the EFT report was all that was needed to resolve the issue. XXXX stated multiple times that he understood the request but Wells Fargo was unable to provide that, and that the only proof that they could provide was my statement or a letter. XXXX let him know that those options are not sufficient. He acknowledged that information. XXXX placed a request for both the EFT and a letter but acknowledged that it is unlikely that the EFT will be sent. He also stated that regardless of the outcome, there is no way to cancel the balance transfer, leaving me to pay the balance on both cards. 

I have now have the same balance on two cards. XXXX XXXX has temporarily refunded the balance to allow me to submit further documentation but it will be recharged to the account if sufficient documents are not sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be deleted as soon as possible. 
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

PNC failed to apply my XXXX payment for a {$5.00} discrepancy.
Product: Credit reporting or other personal consumer reports

An account was open in my name - XXXX XXXX. I never opened this account. Show me in writing for when I have permissible purpose under 15 U.S. Code 1681b. Also a remark code was added by XXXX XXXX XXXX. Remove all negative remark codes from my consumer report. When you sign up for credit no where in the fine print does it say a company can add remark codes to your consumer report. I demand it be removed expeditiously. Remark codes and accounts I did not sign up for should not be on my consumer report if I didnt sign off on it personally.
Product: Debt collection

Im not liable for this debt with SPEEDY CASH I do not have contract with XXXX. They did not provide me with the original contract.
Product: Student loan

( 1 ) I have made over 120 monthly payments to my loan servicer ( Nelnet ) for over ten years and recently applied to the Department of Education for the Loan Forgiveness Program but was denied because my " loan type did n't qualify. '' After a lengthy discussion with DOE, I was told that when I consolidated my Direct Student loans with Nelnet, they became FFELP loans and therefore did n't qualify for forgiveness. I was never told about this change of loan type when it occurred. 

( 2 ) My payment history shows that with each XXXX monthly payment, the amount applied to interest ranges from {$140.00} to {$190.00} each month ; therefore, after over 10 years of faithfully trying to pay off my student loan, I 've barely made a dent in the principal ( I can send a copy of my payment history with the amounts applied to interest ). 

( 3 ) On the advice of the DOE, I recently sent the following letter to Nelnet : XX/XX/2017 Nelnet XXXX XXXX XXXX XXXX, XXXX XXXX CC : U.S. Department of Education -- '' A representative from the U.S. Department of Education recently advised me to make a written request to have 100 % of my future student loan monthly payments apply 'strictly to my remaining principal and not to interest. ' Because I 've faithfully made over 120 payments to you over the last ten years, the representative thought you might be agreeable to the change in my status. She also wondered if Nelnet might also 'backtrack to apply all the interest to date to the remaining principal. ' Simply put, I 'm writing to request that you now apply 100 % of my monthly payments toward the principal of my loan and, if possible, apply past interest paid to the principal as well. Thanks for your consideration, and I look forward to hearing from you. '' Nelnet has rejected my request. Their response is as follows : " When each payment is received, it is first applied to outstanding fees ( if applicable ), then outstanding and accrued interest, and finally to principal. Any additional payment amount received is automatically applied to principal. Even though the extra funds are applied towards principal, they are also applied towards the next month 's payment, as we are unable to ask you to pay your loans off early. '' Students have problems paying off their loans because of companies like this that charge exorbitant interest and are n't forthcoming about changes -- XXXX to FFELP -- that occur when loans are consolidated through them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. This was already included in my prior COMPLAINT # XXXX, XXXX and I'm including it again. 

XXXX XXXX XXXX Dates XXXX
Product: Credit card or prepaid card

On XX/XX/18, Capital One charged me an annual fee for the upcoming year so I requested my credit card to be downgraded on that very day, only moments after being charged the fee. They said that they can not issue a refund because I am not eligible for a waiver and the system does not allow refunds to be issued. I explained to them that Ive been a customer for several years and if the fee is for the upcoming year, then it is not right for me to be charged when I will not be using their services or benefits. In other words, what am I paying for? Capital One refused to refund the money and essentially took my money for nothing in return.
Product: Debt collection

I spoke with collection agency about a debt from a hospital bill. I express to the collection company that I had insurance and should n't have had a bill. I ask them to notify the creditor that I was disputing the debt, as I had n't received any communication from the hospital. I ask the collection agency for the creditor information, but I never received it the information. 

I also wrote a letter to the collection agency twice, with no response. In retaliation about the debt and possibly letters, they placed the XXXX collections on my credit report. The collection company is Franklin Collection Services , Inc. They are based in XXXX, MS . 

Please look into the practices of this company, as I 've seen various people online speaking about their collection practices and the numerous violations of the FCRA. My credit has been damaged tremendously by this act. I pay my bills on time each month. I had a XXXX credit score before they placed these accounts on my credit report. 

Regards, XXXX
Product: Vehicle loan or lease

I have never missed a payment or been behind on payments despite going through Unemployment and a significant reduced income directly related to COVID-19. I was on a temporary payment plan with Hyundai Motor Finance, to which I never missed a payment either. I made a payment of {$710.00} on Payment Date : XX/XX/XXXX. This posted on HMFUSA on XX/XX/XXXX, to which the auto finance company reported " late '' on my credit report ( all 3 bureaus ). My credit score dropped ( XXXX ) points since doing that, after working diligently to increase my score which was in the XXXX 's. My auto loan is current, all payments are up-to-date, I have never missed a payment in seven years of owning a vehicle, yet they reported a late payment on my credit report significantly impacting my score negatively. During a time when families are struggling financially, it is critical for consumer credit to be protected as sometimes this is their only way of obtaining income, such as mine. My licensing division requires I submit a copy of my credit report in order to obtain a XXXXXXXX XXXX in Nevada. Due to Hyundai Motor Finance, I may not be able to obtain a XXXXXXXX XXXX or try qualifying to purchase a home or any line of credit.
Product: Debt collection

I set up autopay for my mortgage payment with PHH Morgtgage XX/XX/XXXX. It was never processed. In XXXX I received a notice on my credit report that my payment was delinquent over 30 days and my credit score dropped 1 plus points. PHH mortgage claimed to have sent a letter ( which I don't recall ever receiving and I work away from home as a truck driver ) ... I don't recall ever receiving an email, text or phone call indication that I missed my XXXX payment. In the past few days ( this week ) I got several phone calls from PHH mortgage but they never left a voicemail. I often receive sales calls from PHH indicating that I can use the equity in my home ; therefore it never occurred to me that I had a missed payment. Now my credit is destroyed over a simple miscommunication and they claim they can not reverse the negative reporting.
Product: Debt collection

Reporting a collection on my XXXX and XXXX accounts without a lisence in the state of Illinois for collection agency. 

Asked them to remove from my credit report and they have not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought a car  from Honda Financial Corp and obtai ned a car loan, last year I struggled to keep up with the payments and the car got repossessed in  XXXX    XXXX  . Some time in  XXXX  a received a statement fr om Honda Financial stating that they sold the vehicle and I owed them {$440.00} plus cents. Som etime in  XXXX  I received a collection letter from a third party collection agency stating that I owed  Honda Financial {$20000.00} and some cents, so I immediately contacted Honda and the y said they made a mistake and they sent me an incorrect statement and that I owe them the {$20000.00}
Product: Money transfer, virtual currency, or money service

This is in regard to cashapp. On XX/XX/year> I attempted to use my cashapp card and it was declined. I checked into my account because I had money on it and saw that my card had been locked and I could not unlock it. I also didn't lock it myself at any time. I asked customer service why this happened and never got any information. 

On XX/XX/year>, I received a cash app card in the mail. The card had my name on it, but not my cashtag. It was a cashtag I had never seen or used before. Clearly, something fraudulent was happening here. I reached out to customer service again. They said they couldn't give me any info because I wasn't logged in to that account... but I never made that new account, but clearly my name and address was used to open it. 

Eventually, after several back and forth messages they finally had me take a picture of the card and they closed it. I also reported the account for fraud. But I never got any information about what happened or why. I heard that CashApp has been having issues with security lately, so I decided to send this complaint in.
Product: Vehicle loan or lease

I have 2 issues. Both would likely set off someone. But im being patient ... .but also really getting sick of this company. 1. I paid Carvana my taxes in XXXX on the car, then had to pay the taxes again to the state, when getting it titled. I was told a reimbursement was coming by Carvana back on XX/XX/XXXX. It took forever to get titled because I I expected theym to pay the taxes that I paid to them. I havent seen it and its been weeks since I initially spoke with a rep about this. Today a rep confirmed it has been sent. This is unacceptable... I've been overcharged basically by 1200 and they arent trying to fix it in a reasonable time. By the time the do finally mail a check ( which is not my prefered method ) I have to wait for it to get here, deposit it in some bank .... wait for it to clear and this is going to still take weeks. Meanwhile I have bills to pay. ) 2. I paid off the car in XXXX. Ive never received a release on the lien. I cant do anything with the car because they've had a lien on it for 4 months longer than the time I owed them money. No one seems to know what to do on their end. 

Carvana has tens of thousands of my money locked up basically over a check and a form and they aren't doing anything about it.
Product: Credit reporting or other personal consumer reports

I had someone who filed bankruptcy on my behalf and they were fined because this was never supposed to happen. When I reached out to the bankruptcy court they showed that the two filings she did on my behalf were rejected due to insufficient documents. So nothing was ever processed fully and I never went through the bankruptcy proceeding. 

When I reached out to XXXX, and let them know the information was incorrect and they should remove it from my credit report. They stated they received the information from PACER which I never gave them permission to share any of my personal information. I do not know this company and they shouldn't have my personal information nor should they be giving my information out, or reporting this to my credit report. 

It is their duty to ensure they are reporting my information correctly, and if they are releasing my information to another company they need my written consent which they never received. 

It is showing I filed Bankruptcy twice in a 4 month span which wouldn't make any sense and when I reach out they only forward me that information has been confirmed with PACER which I never gave any information to.
Product: Mortgage

Wells Fargo has been servicing my home loan for the past several years but over the past few years, they have not escrowed my account properly regarding my house taxes. In XX/XX/XXXX, even though the funds were escrowed, I only received a portion of the tax check to pay to the City at the end of the year. I called them several times about it and was always told, " Well, your taxes must have gone up. '' I would tell them they did not and they would say they would look into it. At the end of the years of XX/XX/XXXXand XX/XX/XXXX Wells Fargo paid the taxes in full after my prompting, with the total amount adding up to {$5300.00}. However, now they want the money back in a lump some or for the funds to be added to my mortgage as of XX/XX/XXXX, which puts my mortgage up to over {$1200.00} per month. I can't pay the {$5300.00} lump sum, nor can I afford the {$1200.00} monthly payment. I am afraid I am going to loose my house after living here for almost 13 years. On XX/XX/XXXX, I asked to speak with a manager. I explained the whole thing to a man named XXXX. He concurred that in XX/XX/XXXX the taxes were escrowed and did not know why I only received a portion of the taxes at the end of that year. I also let him know I needed a different option other than paying a lump sum now or my mortgage payment going up to {$1200.00}. He said he would have to look into things and call me back. In fact he said he would call me back the very next day. I waited. He never did call. Today, I called him and left a message and received no return call. Something is very wrong. I think they did some messing around with my account and now they want to get rid of me. I don't want to loose the home I have loved for the past 13 years! I have tried for two years to resolve the issue with them to no avail. Now, I am the one who has to pay the consequences for their lack of customer service and sheer negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a chapter XXXX bankruptcy being disputed on my credit report. The court ID and plaintiff are not reported correctly. I have asked over the past several years for this information to be removed from my credit report, but it has not been. Also, it has been over 7 years and the bankruptcy still shows on my XXXX and XXXX reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has not sent me anything about my credit if they fixed my issue or my FTC violation it's been more than 45 days nothing in the mail
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP im extremely frustrated.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, XXXX, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information
Product: Credit reporting or other personal consumer reports

Recently I Looked at copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item I am asking you to verify as accurate : XXXX XXXX XXXXXXXX, Number Account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that some accounts on my report were not mine.