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

I have unsuccessfully attempted to contact Equifax directly in reference to a negative public mark on my report, even with confirmations of inaccuracies. This bankruptcy item was paid prior to judgement and never had a balance. This case was filled in error in 2013, and was dissolved within days of the filing. 

This same information was conveyed, acknowledge, and removed by the other 2 credit bureaus [ XXXX  & XXXX  ]. However, Equifax did not remove the item and could not be reached other than electronic disputes that merely implemented conflicting rulings. 

I have continuously been subjected to multiple report breeches currently and in the past, which have always made my credit report vulnerable to identity theft and online predators. To my knowledge, Equifax uses XXXX XXXX XXXX as a facilitator and buffer to justify their ambiguous results. I'm open to any suggestions because I feel that I'm being treated unfairly and my credit is very sacred to me. I have exceptional credit and I work very hard to maintain it on a continuous basis. Thank you for listening.
Product: Debt collection

I was employed at a XXXX  where I received health benefits. I assumed my benefits covered a one-time visit to the clinic. I never received a bill or notice to pay or dispute the bill. My first realization that the debt existed was when I checked my credit report. I visited in XXXX. On my credit report it says XXXX XXXX is asking to collect {$180.00} as of XX/XX/XXXX. I tried to contact them but could not get through on the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am highly upset the consumer reporting agency Equifax has not responded back to me about my investigation. 
This is a serious matter. I need these accounts that arent mine to be removed from my credit report immediately. Its been more than 30 days and I haven't received anything. I did my research on the laws and in Section 611 ( a ) it states that failure to investigate these items within 30 days gives a reason to immediately remove them. Also Section 15 USC 1681a ( 2 ) ( iii ) They also don't have the right to communicate with any furnisher as I did not give consent to it and will NOT give consent for them to communicate with them. 
I have the right to deny anything being reported on my credit report. The items I have provided in my letters I am asking you to be deleted immediately or I will have to file litigation due to the stress you cause me.
Product: Checking or savings account

Wells Fargo called me to investigate bill pay transactions that I purposely made. Thanking them and validating the transactions was not enough. They locked my account insisting that I go to a branch. They even made me upload my drivers license. The ordeal was essentially an extended interrogation on a Saturday night. Beware of Wells Fargo. I am closing all of my accounts. They do not deserve my business.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company name : XXXX XXXX XXXX XXXX XXXX Client : XXXX XXXX  Balance : {$2100.00} Letter dated XX/XX/2022 which was sent to both of the former tenants which states be advised we will soon report this account to XXXX or more consumer credit bureaus which can make it difficult to obtain credit, rent and secure favorable interest rates However, it is not too late if you act now. You may avoid adverse credit reporting entirely if we can work out a suitable arrangement. Please contact XXXX of our reps to discuss an arrangement to resolve your debt. 

Cordially, XXXX XXXX XXXX Representative XXXX XXXX We left several messages for XXXX in XXXX, and when we finally connected, we asked if we could make payments until we can come up with the lump sum settlement of {$1300.00} She said yes Asked XXXX if we could do $ XXXX/month until we could come up with balance remainder for the settlement of {$1300.00} Again, she said yes The first payment of {$20.00} was made XXXX  XXXX, 2022 We both just got a notification today, XX/XX/XXXX that the full amount of {$2100.00} has been reported to Transunion and when I called her this morning to question this she said $ XXXXmonth was no longer suitable We have addressed this in a timely manner to avoid averse action and their letter said soon -- we didn't receive it until the beginning of XXXX and I feel this action was unjust and she did not honor our verbal agreement or the content of the letter that was sent to me We would ask for this to be removed from all credit bureaus
Product: Credit reporting or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus last XX/XX/2023, to removed this suspicious information. I think you have not blocked these items by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again XXXX XXXX XXXX XXXX Balance : {$2700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I was the victim of identity theft. This is a formal dispute to support my position and claim. 
Below is the information you need to remove or block this account from my report. Also, this account is knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof through the credit reporting agencies. 

XXXX XXXX XXXX
Product: Debt collection

I called the debt collector the three people i spoke to did not advise me that they were recording the call and when i tried to advise i am recording they passed me off. Also I am XXXX and this dispute is hard to deal with they have called also called without identifying and not giving a personal identifier.
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 Bum. 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 XXXX 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 XXXXXXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been unsuccessful in trying to reach out to XXXX regarding incorrect balance of my existing VA mortgage loan with all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding not accurately reporting 'all ' payments that have been made regarding my existing VA mortgage loan to all three credit bureaus. 

I have been unsuccessful in reaching out to XXXX regarding the correct credit score updates that should have reflected all of my payments that were made on time to all three credit bureaus. 

The above needs to be urgently corrected and updated so it does not continue to feel as if I am renting my home. I should see a reflection of updated credit score points with each mortgage payment that I have paid since the time I had purchased my home. 

The above issues I am asking XXXX to address in an urgent manner and to be corrected.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts/information below XXXX XXXX XXXX XXXX Balance : {$26000.00} XXXX XXXX XXXX XXXXXXXX Balance : {$4900.00}
Product: Vehicle loan or lease

I obtained an auto loan through Ally Financial in XXXX of 2017. My payments have been automatically applied every month ( XXXX ) from the same checking account. In XXXX, they announced a 2 month payment deferment due to COVID-19. Since I am unemployed due to the pandemic, I applied and was approved for the payment deferment. Since then, my automatic XXXX payment has been at " pending '' status. I have attempted to make a payment, since I was able to, several times. My checking account I have used for every payment has been " unavailable '' to make payments. I have attempted several times to reach Ally by phone, and get disconnected every time. They have now begun harassing collection calls to both me and my husband for payments that were supposed to be deferred ( 3+ per day ). My account online does not reflect that I have deferred payments, and states that my account is " past due '' at XXXX ( 2 months regular payments ).
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report back in XXXX, and receiving a phone call from XXXX XXXX, XXXX, - I noticed items on my credit report that did not belong to me. I called the creditors and credit bureaus directly to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls prior to pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have been in communication with the debt collection agency XXXX XXXX XXXX XXXX advising them that the debt they're saying is mine DOES NOT BELONG TO ME. I have never had a contract with XXXX XXXX, XXXX - I am not liable for the collection of the debt from XXXX as this debt is not mine. I have been disputing this inaccurate information since I first found out about this fraudulent information and they have not removed this information from my credit file, nor have they understood that this debt does not belong to me. They have called and harassed me about this debt day and night. This has hurt me severely in regards to obtaining credit. XXXX XXXX, XXXX states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). XXXX XXXX has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Product: Student loan

XXXX XXXX, 2017 To Whom It May Concern, This past XX/XX/XXXX/XX/XX/XXXX, I filled out Public Service Loan Forgiveness Employment Certification Forms for my former employees - present employer. In total, I submitted five forms : 1. Employer # 1 ; 2. Employer # 2 ; 3. Employer # 3 ; 4. Employer # 4 ; and 5. Employer # 5 ( current employer ) 4 out of the five forms were certified, however, the Employer # 2 employment certification was not due to a discrepancy regarding my start date. I have since corrected the Employer # 2 employment certification form and resubmitted it to Fed Loan Servicing, using their online submission form, four times already. However, each time I 've resubmitted the form, the certification has been denied, leading me to call Fed Loan Servicing multiple times to clarify my start date ( which is explicitly stated on my form ). Each time, I 've had to go through my entire employment history for the four other forms that have already been certified, and during each call, the Fed Loan Servicing representative takes a few notes stating that they will " look into the issue. '' Moreover, my employer has even called Fed Loan Servicing direclty providing them with the correct start and end dates of my employment. Yesterday, I spoke to a Fed Loan Servicing representative to explain the situation again. I expressed my frustration as I went through my employment history, and as the representative listened even, she expressed confusion and frustration as to why the Employer # 2 employment certification form was not yet certified because based on her analysis, there were no discrepancies in any of my employment forms ( e.g., start dates ). Despite this, she gave the same response I 've received from them every time I 've called, " we 'll look into this. '' I do n't know what else to do at this point because I 've resubmitted and trying to get the Employer # 2 employment certification form certified four times now. As such, I hope you can help resolve this issue for me.
Thank you!
Product: Credit card

XXXX sent me a credit card in the mail claiming " Here is your new XXXX Card '' with a credit line of $ 150XXXX. They put my name and my company name on the card. The card had a " call now to activate '' sticker on front, just like a new credit card would have. Neither I nor my company requested a card or line of credit. When I looked on back of the letter in fine print it said, " This is not an offer of credit. We reserve the right to verify your financial information and confirm your credit worthiness. Includes but not limited to verifying banking and credit info. I believe this is a ploy to get you to give your info over the phone and they prey on unknowing people who trust the mail they get.
Product: Debt collection

I know nothing about the debt being charged against me, I only came to know about it when my credit score went down and I checked with credit karma to see what had affected my credit score. I  discovered a case of debt collection of $ XXXX.This is a fraudulent charge because I have never had any dealings with this company, nor have I ever heard of them. There has never been any communication, verbal, written or otherwise between any companyand myself.
Product: Mortgage

This is a third complaint about loan servicin company SLS I have had mortages 50 years never had one problem THIS IS THE FIRST time .SLS is not like any normal lending bank or institution .There has been so many misrepresentations i will have to keep separate in several complaints to not get lost in them.Here is only one example. Statement for XX/XX/XXXX has nothing about paid tax. {$53.00} paid by owner receipt from XXXX  TAX office with proof no tax due .A small penalty amount left after payment.Because in XXXX of XXXX i have a BIG PROBLEM WITH THIS COMPANY interefering with my payments of tax to the tax officeXXXX tax collector gave me this paper showing SLS paid this same amount knowing i had paid it.Tax office was refunding it back to them, Tax office also had other MISAPPROPRIATED PAYMENTS that had to be refunded to SLS and me because they interferred with my payments of taxes on my property with no prior notice.I have statements i will show in the next complaint.This small amount i paid has been in the XXXX  TAX OFFICE FILE when i complained to the XXXX  TAX OFFICE AND CFPB XX/XX/XXXX XXXX  XXXX sent me this receipt of SLS paying what i had paid prior, SLS sent me a statement showing it after i complained to CFPB .The real statement sent to me by SLS AT THE TIME does not show the misappopriated amont of {$53.00} TACTICS I HAVE NO CLUE WHY this has been done.
Product: Credit card or prepaid card

For the second time in less than six months, my two credit cards ( Platinum Mastercard and Quicksilver ) with Capital One have been suddenly restricted without notification or explanation from the company, even after written requests.I have not missed a payment on either card, do not typically carry a balance from month to month, and have never approached the credit line limit on either card. 
When I do call to resolve the issue, I am asked to verify my identify by sending in personal documents for each account separately, which leads me to believe there is a fraud issue. However, Capital One does not give details for the account restriction nor do they send correspondence or call like other companies when fraud is expected or to warn of an account being closed/restricted -- because of this, any bills set up for Autopay are declined, leading to late fees, which is very concerning and unnerving during these times. 
Most recently, my accounts were restricted before XX/XX/XXXX and, while being told that they could tell me why the account was restricted, I was asked to send in copies of my driver license, which I did while on the call. As of XX/XX/XXXX, I've not received any updates and the accounts are still restricted.
Product: Credit reporting or other personal consumer reports

I have submitted 3 letters on 3 separate occasions with the most recent letter XXXX informing Experian, XXXX and XXXX that this account XXXX does not belong to me. I was the victim of identity theft. I have requested all documentation regarding this account including anything that bears my signature. As of this date XXXX I have not received a response nor any documentation in regards to this account.
Product: Mortgage

The loan in question was secured from a company in XXXX. This company XXXX XXXX XXXX XXXX, subsequently went out of business in XXXX. XXXX XXXX XXXX, which has become Statebridge Company, bought the debt from the original creditor and started sending payment notices in XXXX. The amount of the mortgage repayment is {$18000.00}. The original loan was around {$16000.00}. The current creditor has submitted to the common plea court of XXXX XXXX, for foreclosure on the property at XXXX XXXX XXXX in XXXX, Ohio. The judge dismissed the case and the company has since told me that they want me to repay the loan. I have requested to surrender the property to satisfy the debt, but the company has denied my request to do so. I have offered to short sell the property but this action has also been denied. I have denied their request to repay the loan since the original company that funded the loan went out of business.
Product: Checking or savings account

I had a Wells Fargo account a few years ago and it was closed due to fraudulent charges is what they told me. They took money from my account and it was negative and then they closed my account with no explanation XXXX not sure the exact dates but if we could move forward I can get all the information
Product: Credit reporting or other personal consumer reports

I have disputed this information on my credit report they stated they verified and I have letter from the agency stating they dont report this information and requested it to be deleted. It was removed from XXXX and the other two bureaus have yet to comply
Product: Student loan

I have repeatedly asked that my extra payments on my student loans be applied directly to principal, and that my due date not be advanced, and my student loan servicer MyFedLoan refuses to process my payments in the way I specify. I called today to express my dissatisfaction and spoke to XXXX. My student loan payment is {$240.00} and due on the XXXX of each month. Currently, my servicer claims that I do not have a payment due until XX/XX/XXXX of 2019. However, I pay {$450.00} monthly, with my regular monthly payment plus {$10.00} and I make two bi-weekly payments of {$100.00}. This is done strategically to hit the principal balance, lessen the interest accrual and pay the loans faster. My servicer refuses to put my extra payments directly on my principal balance, and despite my requests, maintains that it is within their right to apply it to interest first. 

I don't believe this is correct. Every other lender I deal with provides the option to make just a principal payment. Also, I believe that the consumer is allowed to request how their payments are applied. The way that they are applying my payments forces me to pay more interest despite my efforts to pay less interest and pay them off prior to maturity, which my loan agreement allows me to do without penalty. 

I would like this investigated as I believe they are in violation as to the consumer 's right to request how their payments are applied.
Product: Debt collection

I have no knowledge of this debt. It does not belong to me and I have never been contacted by neither the debt collection agency or the original creditor to verify the accuracy of this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Through no fault of my own beyond simply having a credit card, Equifax 's lax security setup has allowed for possibly the largest breach of financial data in American History. I have contacted Equifax today X/X/17 to see my options and used their website to determine I am at risk of identity theft from the hack. They then tried to push me into their monitoring program, however, they want to take away my right to join a class action lawsuit again them which I will not do. I have put a 90 day alert on my accounts and will now hope and pray that I do n't get my identity stolen. I 've worked for years to obtain excellent credit and I would hate to see it ruined through no fault of my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was only an authorized user on this XXXX account. I demand this account be fully removed from my credit reports as I was never liable for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update or correct this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Loan company used my name on a loan that I never did apply for, and used my father 's social security number to get the loan. Saying that me and my father is XXXX of the same. And we aren't the same people. My name is on the deed of the house, my father removed his name off in XX/XX/XXXX. He add me and my mother name on the deed. A loan was tooking out using my name on it in XX/XX/XXXX. I never signed it. And the loan company print a name on the signature. That's mortgage fraud, forgery, and identity theft. Due to all the lies and deception I lost my house. I'm homeless and don't have anywhere to get. They even had me listed dead on my social security number. I need very much justice and sue them for money on everything I lost. The loan was XXXX at first, but then it went up to XXXX. Wasn't aware of none of this. Talk to the company an They said that. The house belongs to your dad not you. It's time to end this for good.