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

I am filing this complaint to address the continued reporting of an unverified and inaccurate debt on my credit report by Experian.Despite my efforts to resolve this issue through disputes and providing supporting documentation, the debt remains inaccurately reported, causing unnecessary harm to my credit profile. This constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically XXXX U.S.C. XXXX ( b ), which requires the removal of unverified or inaccurate information. 

Supporting Evidence : Documentation from XXXX XXXX, XXXX, confirming that the account was closed and collection efforts ceased as of XX/XX/2024. 
Documentation from XXXX XXXX XXXX, acknowledging their inability to validate the debt. 

These documents are attached for your reference.
Product: Credit reporting, credit repair services, or other personal consumer reports

Other bureaus removed this erroneous item but Equifax did not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a vehicle financed with  Wells Fargo Dealer Services. At one point my loan was issued to a particular Wells fargo account manager. During the time this employee managed my account, he would constantly harass and call my husband and I, yell, scream, make insulting comments about our financial ability to pay for the car, and was overall verbally abusive. I came to the point where I did not answer phone calls from Wells Fargo because I refused to be subjected to this type of abuse at the hands of a major financial companies employee. I filed several complaints with the Wells Fargo Dealer Services Office of the President.  Nothing was resolved. Towards the end of  XXXX ,  Wells Fargo added a {$200.00} insurance charge to the monthly payment claiming I did not have insurance on the vehicle. I was   XXXX   XXXX   out of state and was not aware of the additional charge tagged on ; however, we continued to make the normal monthly payments. The paid additional surcharge was calculated as nonpayment. The account manager  put the car up for repression in  XXXX   XXXX . As a result, my husband and I immediately redeemed the vehicle and prevented the repression by refinancing the loan with a different financial servicer,  XXXX   XXXX   XXXX   XXXX   XXXX  in  XXXX   XXXX . The car was redeemed, the  Wells Fargo loan was paid in full, and I kept the vehicle. I filed appropriate complaints with Wells Fargo Office of the President and other agencies. Again, nothing was resolved.       Wells Fargo Dealer Services reported the redemption as a repression to a consumer credit agency. The account is still incorrectly reported as a repression rather than a redemption with the account paid in full and closed. I have contacted both the credit agency and Wells Fargo Dealer Svs. to  have the inaccurate report removed. I confirmed with  a Wells Fargo customer service agent that the account states the loan was paid in full, transferred to a different financial institution, and closed. Nonetheless, the account was incorrectly reported as a repossession. I am having a difficult time correcting the matter with Wells Fargo and on my credit report. Apparently, there is no one in the dispute resolution department that I can speak to verbally to confirm the information. After being subjected to unlawful emotional and verbal abuse as a paying customer, I am still enduring financial harm due to the inaccurate report to the credit bureau. This is a mistake on the part of Wells Fargo, yet I am having to spend an inordinate amount of time contacting the financi al institutions, issuing paperwork, and documenting all the communication. I fear  Wells Fargo will continue to provide incorrect information and subject me to financial  and professional harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

This JCPENNY account is paid in full in XXXX and reported to my credit as late.
Product: Credit reporting

I have chapter XXXX bankruptcy a public record on my Experian report i was told by the bankruptcy court that they do not report to Credit Bureaus it was done by a third party. to resolve this issue i want it deleted immediately and i would like proof that its been deleted.
Product: Mortgage

I have been a homeowner since XX/XX/XXXX in XX/XX/XXXX I fell behind on my mortgage. My servicer now seems to be Nationstar. I have been harrassed by this servicer and to my dismay my XXXX year old father that is XXXX whom resides in New York was recently called XXXX. The servicer harrassed my father by saying " he should be ashamed of himself for not helping his daughter with money for her home ''. This is the last straw this was clearly a predatory loan, which I am still Quite under water and I can not get Nationstar to simply work with me. I have talked to a rep named XXXX she has yet to be helpful in any way. I need this addressed this servicer can not get away with treating people like This. I have been paying my mortgage for the last 11 years and this Not what I expect in return when I am now in trouble and deserve help not to be shamed.
Product: Debt collection

In accordance with the fair credit reporting act XXXX  account # 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 permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Submitted on fraud issue since Equifax ignored the reason for complaint, that I want financial compensation for Equifax ILLEGALLY freezing my account when their self serve was broken.

Today I got a letter stating that Equifax UNFROZE my account per the last complaint. They don't know what they're doing and they once again acted ILLEGALLY by removing the freeze. 

XXXX ID XXXX refused to tell me who at Equifax removed the freeze and he didn't understand the notes that are on the account. 

I had him reinstate the freeze. 

I WANT DOUBLE financial compensation for Equifax 's illegal activity on my account.
Product: Debt collection

I owed XXXX XXXX {$2500.00} i reached out to them to pay it and they stated to reach out to the IQ Data collection I paid the amount owed however they are stating this case was sent to their lawyers and we owed them lawyer fees and interest total {$1700.00}. He stated we also have a court hearing which we never received got very aggressive in the phone call and stated what are you gon na do about it! I informed him its a good thing this was all being recorded since he was being very unprofessional. He also stated that they will be garnishing our wages soon if we didnt pay the amount owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Utah SBR # XXXX is reporting lates in XX/XX/18, XX/XX/18 and XX/XX/18 that I should not have. I had paid this online and it showed that it went through when I did so, I did not know that the payments were not going through until I had my credit pulled and saw all the lates on my credit report. These lates are not my fault and they need to be removed off of my credit.
Product: Debt collection

Dates are on or about XXXX '09, the amount is roughly {$4100.00} and is way past the 7 year time limit.
Product: Vehicle loan or lease

My account was transferred to westlake protfoio management. I asked for proof they have my account. I never received when I call I am always disrespected by called maam. I have four times been transferred nine times been hung up on and when I have asked for a supervisor I never get one. All I want is a letter of voluntary surrender for my car. At this point I feel like a court action is needed. I have now on hold for the five time. 

My account number with them is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been a battle going through this and I am submitting this complaint to delete these fraudulent items in my file that are reporting on 3 Credit Bureaus. I am a victim of identity theft and did not make the charge or the accounts. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action.
Product: Mortgage

I received a letter from Bayview in XXXX stating that I had successfully completed my loan modification program. It detailed that Bayview would be reviewing my monthly payment, interest, escrow and principle amounts and adjust my account accordingly. Then I would be contacted once this process was completed. 

I am unsure what happened internally in regards to closing my loan modification. As I have not received any additional notification from Bayview. My account is currently showing 3 months past due and I am receiving letters from Bayview about financial assistance. I recently received a letter stating that I have been assigned to a specialized team to assist in bringing my loan back on track. 

It stated that I need to contact them for assistance. I have attempted contact 15 or more times. An automated system states that their office is closed. However, I am calling during business hours. 

My loan is not off track ... My payments have been drafted via EFT from my account each month. I have spoken with several associates and supervisors, in an attempt to remedy this issue. I have been told that tasks and requests have been opened to ensure my outstanding payments are applied. 

Bayview is currently holding {$2200.00} in suspense. I have notified Bayview by phone, their online portal and email. I have requested a copy of my payment history and note in an attempt to facilitate a review and correction. In addition, I have notified them that I would file this complaint if these issues are n't resolved. 

In addition to the payment issues. I have requested that my name be updated as I was married in XXXX. I have uploaded the required documents directly to their website as well as emailed them. An associate did confirm that this documentation has been received, my name has still not been corrected. 

I am unsure how to proceed at this point, as there has been no resolution and all numbers I have tried to call have produced a automated response that the office is closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

After almost ONE MONTH THE RELEASE LETTERS FROM EARLY WARNING WERE ISSUED, I finally received them in my po box . The letters that provide information of my accounts and of the banks that reported my accounts to Early Warning were written FRAUDULENTLY. 1.-THE NAME OF THE BANKS ARE NOT THE LEGAL NAMES AND HAVE ABBREVIATIONS. 2.- THE ABA OR ROUTING NUMBERS OF THE ESTATES WERE OPEN THE ACCOUNTS WERE FRAUDULENT ALSO. 3.- THE ACCOUNT NUMBERS WERE ENCRYPTED NUMBERS, MAKING THIS AN ILLEGAL ANSWER BECAUSE THEY CAN BE USED IN A FRAUDULENT WAY.
Product: Credit reporting or other personal consumer reports

THEY ARE CONTINUING TO REPORT FRAUDULENT INFORMATION EVEN AFTER BEING NOTIFIED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three weeks ago I applied for a loan online. In a few minutes I received a phone call from XXXX XXXX. They told me for {$14.00} they will pull my credit reports, review my request and get back to me. I waited three days never received an e-mail or phone call so I contacted them. They said they could n't get me a loan. I asked why, and they did n't tell me just hung up.. Very non profressional. Very rude and crude. So I thought the matter was over. Now three weeks later they are charging me {$110.00} for not doing a darn thing for me. I never wanted to join and I did not enroll in any their programs. I called them and got the total run-around. They said a rep would call me back. A week later I have n't heard anything. Please get my {$110.00} refunded. They are quick to take your money but now I ca n't even talk to anyone there. Thank You XXXX XXXX last 4 of my social XXXX
Product: Student loan

School loans were from XXXX back from XXXX until about XXXX. I have consolidated also in the past as well to make it one loan payment. However, due to circumstances over the years, loan was deferred at one point then when things were even worse with a bankruptcy, the loan was being paid by the bankruptcy. Then once again, it came time for me to take over payment, by that time ( XXXX ), I was now unemployed due to a workers compensation issue and made them ( Navient was XXXX XXXX ) was notified instantly with all my current financial information! I was now bringing in almost next to nothing to support not only myself but my family, needed XXXX as well. I requested any assistance available, whether it be temporary deferment or full on forbearance for the time necessary. NOT approved on any level which made no sense since I had no income!! I kept calling and explaining even to management about my situation and forwarding information stating I went from an income after bankruptcy to nothing and could not pay monthly. Therefore, Navient went and put me into collections stating I was NOT paying, which they wanted over {$200.00} a month when I did not even bring in that any longer. No one else in my family worked either. So after two years of fighting, someone there suggested checking with the federal student loan division, they finally requested taxes which showed income, they pushed through a deferment for a year. Now I am noticing that they are still adding on interest though, even though approved for no payment at all for a year. Also, noticed that over the two years they not only had sent me to collections and ruined my credit but also added on over {$14000.00} of late payment fees!? During bankruptcy being chapter XXXX ( XXXX ), they were not suppose to add any fees since they were getting paid by trustee until after done with bankruptcy? After, should have been deferment or forbearance due to my income because of not able to work? I now XXXX, need to relocate for a new work position but my credit is not up to par due to the fact that even though Navient shows ok now, the old collection issue that should not have been there to begin with ... is!! Also, creditors wonder by the jump and increase of the almost {$15000.00} when I did not go back to school!? Over {$100.00} increase even now during current deferment? This is just robbery and crazy! How can anyone survive with this kind of injustice occurring? Trying to teach fairness with loans for students to my daughter who now attends college and needs loans, this kind of business is just not right and should be illegal!! I see many cases and lawsuits now against Navient. Do I now need a local lawyer as well just to save my credit, get the help I need to move on with my life with a good job that I need to now because I need good credit to do so!?
Product: Credit card or prepaid card

I received emails Sallie Mae to make a credit card and pay off the student loan. 
However, When I talked with Sallie Mae-payment, I can not use credit card for the payment. 

It is a misleading information to make a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding the refusal of credit reporting agencies to delete inaccurate data from my credit report, despite my repeated formal disputes. The agencies have failed to meet the requirements of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) to remove unverifiable information.

Also these laws if wish to initiate under 15 U.S.C. 1681i ( a ) ( 615 U.S.C. 1681i ( a ) ( 1 ) ( A ) ,15 U.S.C. 1681s-2 ( a ) 15 U.S.C. 1681c-1 ( a ) The ongoing inaccuracies include : Incorrect Names and Addresses : My name is XXXX XXXX XXXX XXXX but variations, such as XXXX XXXX XXXX , remain. Additionally, an unrelated address, XXXX XXXX XXXX XXXX, is still listed. 

Unauthorized Inquiries and Account Errors : My report includes multiple unauthorized inquiries and re-aged payment dates, among other errors. XXXX XXXX XXXXXXXX has reported payments of XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, and XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXX  is constantly changing last paid dates my last real paid date was XX/XX/XXXX And XXXX is reporting month after month of charge offs by laws they can only report it 1time Section 1681e " Compliance Procedures, '' which requires that consumer reporting agencies follow reasonable procedures to ensure maximum possible accuracy of the information reported. 
Section 1681i " Procedure in Case of Disputed Accuracy, '' which outlines the process for consumers to dispute inaccurate information in their credit reports. 

I kindly am asking cfpb to investigate the validity if these violations by crdfit reporting agencies and thier refusal to delete information that we all know is not accurate and complete
Product: Debt collection

I am XXXX years old. I have for the last month been called from Conn 's Stores about my account at least XXXX times per day. They called a number that belongs to my daughter who is XXXX. She was called by Conn 's last Friday while at the hospital XXXX at least 5 times. I am being called from XXXX different numbers possibly XXXX. I have had this account for years. I have never been harassed like this before. I take this debt seriously and will continue to pay monthly. Since I ca n't drive I have to rely on others to take me to pay on this account. Their main concern seems to be that I paid late this month. I also have XXXX. I do not want this company to call me again. I will continue to pay until I have paid all of it. This is harassment with the number of calls received on a daily basis. Please make them stop. I have a good credit rating.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a phone call claiming to be XXXX XXXX alleging I owed {$120.00}? I experienced a total loss of my vehicle and had been told my insurance settled. All payments were made timely on my loan. I asked for an explanation was was told the caller did not have that information? I was uncomfortable giving any payment information over the phone, and indicated, if true I would absolutely pay if they could send me the information in writing. I have never received any written communication from XXXX XXXX. I received at least 3 additional calls and continued to request documentation and was assured that I would have 30 days to resolved from the time I received there communication. I still have received no documentation explaining why I owe this amount, and have now learned they reported me to the credit bureaus and my credit score has dropped 100 points? I talked with XXXX XXXX today and was told the amount is the difference between what my insurance payed in the final payout. If I knew this earlier I would have paid the amount. As a result of what I learned today I paid this over the phone. I find it unethical to hurt my credit score without receiving documentation of this situation as I requested and was told I would receive. Today I ask for their assistance in correcting my credit score they indicated I would have to file a dispute with the credit bureaus. This seems wrong since they reported me to the credit  bureaus? Again, I find this unacceptable as they did not comply with my request and their acknowledgement that they would send documentation.
Product: Debt collection

FMS called me many times to collect a debt. They claimed that they are a 3rd party source that could set up special payments for me to pay down my loans with myfedloan so I could finish school at University XXXX XXXX. When they called me, I had maxed out my loans so the only way to finish up my last XXXX classes was to get some of my loans paid down. XXXX XXXX called me from University XXXX XXXX today, XX/XX/XXXX to find out if everything is OK with me because they haven't received any money yet. I have made payments to FMS on XX/XX/XXXX for {$680.00}, XX/XX/XXXX for {$180.00}, XX/XX/XXXX for {$180.00} and XXXX  has not received any of it. I was just made aware today that I could pay XXXX  directly.
Product: Credit reporting or other personal consumer reports

You all are reporting inaccurate information you all stated that you dont own or purchase debt and you stated that the contract is with the original creditor but in my credit report you all reported that your company eastern account system is the original creditor and that is in accurate by law I the right to have a accurate credit report which it is not please delete this inaccurate information from my credit report immediately or I will be seeking litigation below will be attached the company response also a copy of what is being reported to the credit bureau and the company clearly stated they dont own this debt so my credit report is inaccurate also the company did not provide me with any validation documents of this debt