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

Dear, XXXX, Equifax, and XXXX. I am contacting you guys about my credit acceptance collection on my credit report. I contacted the furnishers of this information about a lot of incorrect information being reported across all three of your bureaus. The misreported information is Late payments, Payment Status, Worst payment status, account status, times 30/60/90 late, date of last payment, late payments. Now I contacted you guys separately about this information and you deemed it to be accurate but the problem is that all three bureaus have different information regarding the following stated above. I will be attaching a visual of the following mis matched info across all bureaus. 

After contacting credit acceptance, the furnisher of this information, they told me that they've been reporting accurate information to all three bureaus and that its basically your fault and that you're the ones who've misreported the information they gave you. I am asking for verifiable proof of this claim. ( Their reports to you guys of all the information furnished on my report from credit acceptance ) I will also be attaching their response of them stating that you guys are the ones who are misreporting which is a violation under the FCRA. Now, I believe that credit acceptance just didn't want to own up to their mistakes because to my understanding, you guys only furnish information given to you by the CRA. So I would like a copy of what credit acceptance has send to you to report about my file since their claiming they reported all accurate information. I am not asking for a copy of my credit report with them since I have that already. But verifiable proof of when they send you this information and what the information entailed as to see you if you guys are the ones who are actually misreporting the information this credit agency gave you or its them who is reporting mis matched information to you guys. 

Now if they did in fact send you the correct information and you guys have been misreporting it please know I will be taking legal action and asking for financial compensation as there's a lot of inaccurate information across all three bureaus and violations under the FCRA.
Product: Credit card or prepaid card

XX/XX/XXXX requested balance xfer on line of {$850.00} to pay XXXX XXXX CC ending in XXXX. Called about 10 days after requested to confirm why not processed. Advised " It takes times ''. Assuming they sent check I waited a few more days. On XX/XX/XXXX opened a formal investigation. Was told 10-20 days, with no specification of business or calendar days. Since this time, I have made repeated calls to Barclays Bank and been provided with multiple responses ( ie., takes 10-20 business days - could take up to 3 weeks - takes 45 calendar days - takes 60 calendar days ). Issue has to do with account # at XXXX XXXX wihich appears to be incorrect. They will not tell me if this was my error or if they had an input error when processing. They will not provide me with steps taken to contact XXXX XXXX, instead recommending that I contact XXXX XXXX, Will not advise how the funds were xfered., ie, electronic check, paper check, ach credit. Have spoken with supervisors who continue to advise issue escalated. Received no written communications, although was promised they would send communication on XX/XX/XXXX. Called today, and received same response, that I could call back in 60 days which would be XX/XX/XXXX to see " if '' resolved. This CC company has not provided consistent information on how the process would be handled. Getting the proverbial run-around. I will call again on XX/XX/XXXX to see if they provide me with a resolution. However, after being in banking/investigations for over 40 years, this has been handled very poorly. The customer service process appears to be outsourced to a 3rd party and each have " scripted '' responses, with no sense of urgency on when and how to escalate. Without being judgmental, as I am hearing impaired, I find the verbal communication skills extremely lacking. 

In today 's world of automation, it is unacceptable that it would take 60 calendar days to contact an intended recipient ( in this case - XXXX XXXX ) and resolve the issue. All transactions have trace # 's and should be easily identifiable. Contingent credit for disputes should be granted after 30 days. Consumer should not be affected due to companies inability to handle an issue timely.
Product: Credit card

We had a {$0.00} balance on a credit card with Barclay Bank and they took a {$5400.00} payment overdrawing our checking account without notifying us. The funds were withdrawn via ACH and it is shocking that they would not have a control in place to prevent such payments from being taken given that the balance on the credit card was {$0.00}. Barclay refused to electronically return the money to our account in a timely manner. Given the overdrawn amount on our account and other fees we 've incurred, we are seeking damages of {$75.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX I received a notice in the mail that my Bank of America credit card had been put on hold due to suspected fraudulent activity. That weekend I also received an email notice that I had a new account on my credit report. On Tuesday XX/XX/XXXX I called Bank of America wanting to verify if the letter was legitimate communication from them. They informed me that a Bank Of America XXXX XXXX credit card had been opened. The name used to open and for which the account was granted was my former last name XXXX. The card was cancelled and a fraud notice applied. I have notified all XXXX credit agencies. But what I don't understand is if B of A was aware of my name change due to divorce 3 years ago, why would they approve a credit card with my old last name?
Product: Debt collection

I FILED A DISPUTE TO REGARDS THE ITEMS AND I HAVEN'T RECEVIED ANY INVESTIGATIONS RESULTS IT BEEN WELL OVER XXXX TO XXXX DAYS. INTO THE INVESTIGATIONS. NO RESULTS ACCOUNTS XXXX ]
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being. I have rights under 15 USC 1681. 

Equifax is govern by 15 USC 1681. And they violated my rights numerious times. I Demand this account XXXX XXXX XXXX to be removed because.

According to 15 USC 1681 : I have the right to privacy and i did not give Equifax written permission to Furnish that Account
Product: Student loan

I mailed a payment to NAVIENT in the amount of {$1000.00} to pay down my never ending balance.
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My check was cashed, however, there was no reflection on my student loan balance that a payment was made. I 'm continuing to accrue interest.
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I reached out to Navient to see what was going on. They never reached out to me to tell me. If I had n't have reached out, who knows what would have happened.
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I was told I mailed the check to the wrong Navient address-still within Navient, but the wrong department. My check will be held for 30 days and then it may take 4-6 weeks for me to see my refund ... all while my balance is still there and I 'm still accruing interest.
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This company is deceitful and unethical. All I 've been trying to do is pay my balance rid this company from my life, and it seems they fight me every step of the way!
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Equifax regarding inaccurate information on my credit report. In this letter I provided my full SSN, DOB, Current Address, Full Name as well as a detailed description of the items I am disputing. I received a letter from Equifax stating " We are unable to locate a credit file in our database with the identification information you provided. '' However, I have provided all accurate information and can verify there were no typos with my personal information. Equifax is requesting I provide physical copies of supporting documents to verify my identification and address. I am submitting a complaint because to my knowledge, based on research I haven't seen anywhere in Fair Credit Reporting Act that states I need to provide physical documents for my identity when filing a dispute, when I've already provided accurate information that can easily be verified by the credit bureau. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

The late payments on my credit reports should not be showing. I asked for assistance with a hardship and explained that I had COVID during the time the payments are showing late. I have never been late and would like XXXX XXXX to remove the late payment status on all three credit reports.
Product: Checking or savings account

The use of atm the fees take from you are told to you to be one thing then when u check your balance its way higher than what was told
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, TransUnion, XXXX, Have not been updating my credit reporting every 30 to 45 days I do believe this is retaliation from me filing a complaint against all three credit book bureaus and I like this problem to be fixed immediately it is preventing me as a XXXX on business from receiving funds for my business. Someone has gone in and changed all my personal information on my credit report and continues to do it in the credit bureaus are failing to report it to the consumer that this is happening to such as myself. From months I have been trying to build up my credit score and the credit bureaus were fused to report my good payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have recently been informed that there is negative information reported by MIDLAND FUNDING LLC in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings of {$510.00} I challenge the accuracy, compliance and reportability of these listings. 
There is no valid claim, no contracts exist ... account was settled with original creditor ( 01 XXXX XXXX XXXX XXXX XXXX ) and has been confirmed.. I am quite appalled and indignant. ( Debts can not be collected twice ). 

Grave errorsfalse claim and reportingsI want this account removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..
Product: Credit reporting or other personal consumer reports

Phh mortgage is still falsely reporting my mortgage in a name that does not belong to me. I am not XXXX. They replied from the last dispute with documents from XXXX. The deed of trust was modified, filed, signed, and notarized in my correct name XXXX XXXX in XX/XX/XXXX. Please do not allow this company to continue to fraudulently the incorrect name to credit bureaus. This was modified under XXXX XXXX. Phh Mortgage is out of compliance legally from reporting this information falsely that is not my name. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document stale dated with a modification date of XXXX does not constitute as proof or verification. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Attorney General office should you continue in your non-compliance of federal laws under the Fair Debt Collection Practice 's Act, the Fair Credit Reporting Act, and the corresponding local state laws I further remind you that you may be liable for your willful non-compli-ance. According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information that is inaccurate and incomplete. It is also my understanding that Under the FCRA 15 U.S.C. 1681i, every single one even each any no compliant, false, untrue, and inaccurate information must be deleted.
Product: Checking or savings account

I requested to have remediation comphensation for fr a udulent unauthorized service committed by there instution. A check of XXXX is not a fair payout for an accedential death policy. I feel that XXXX seemed reasonable, knowing that there was an additional unauthorized service which was identiy theft. I was told to submit a remediation form to come to agreement of comphensation. I never spoke with any individual in regards to this. I have gotten 2 letters stating upon reviewing my case they closed my case. Not happy with there resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is several times that I tried to purchase my 3 credits reports and scores from Experian or others but the agencies doesn't allowed me to purchase my reports unless I signed in to my previous account. I feel that my rights has violated. Therefore, I file a report.
Product: Credit card or prepaid card

In XXXX if XXXX I accidentally paid my card balance of XXXX to my Amazon store card. I called them and ask them to return the second payment if they could keep the first payment because I owe them that money they refused and said that it would take more than 60 days for me to get the {$400.00} back which wouldve meant that I wouldve been evicted from my house, needless to say I went to my bank. I stopped one of the payments so that they would not get over {$800.00} out of my account. The second one was left open for them to go ahead and take their money like I owe them. I then called And close the account permanently now they are telling me that I still owe them {$400.00}. I have a bank statement that says that that money was taken out as a fourth payment on XX/XX/XXXX. So they can stop their collection actions or I can sue them because thats where Im at right now Im working hard to keep my credit score at a decent mobile pay off what I owe and I sure as XXXX dont need them dinging my credit score. I do not know why synchronicity bank is allowed to even operate. They are a predatory lender and have been for years.
Product: Debt collection

I registered for XXXX XXXX XX/XX/XXXX. Classes began XX/XX/XXXX. I withdrew in writing XX/XX/XXXX. XXXX XXXX XXXX, Director of Student Accounts was supposed to return all money sent to the school on my behalf. The enrollment application was fraudulently executed. The application needed all signatures. If any were lacking, the agreement would not be binding. The Administrative Official did not sign. The Department of Education and XXXX XXXX  should not have sent money to XXXX XXXX. They should have noticed that oversight. The address for XXXX is XXXX XXXX XXXX, XXXX, Pa XXXX. My major was XXXX XXXX. I have received letters for ten ( 10 ) years. I have written XXXX XXXX, loan officers via certified mail, XXXX XXXX. I sent a certified letter XX/XX/XXXX requesting all collection efforts to cease. My information was returned and denied. According to my documents the balance is XXXX. Everything is ignored. I have kept all documents from this school and loan companies and cards from the certified letters. My social security number was on many of the forms, violating HIPPA. I want my record restored and negative information removed from the credit agencies. XXXX XXXX is sending letters. They were sent certified letters XX/XX/XXXX
Product: Payday loan, title loan, or personal loan

Wells Fargo is XXXX. They give XXXX  XXXX  XXXX and not XXXX. Wells Fargo also give XXXX all the loans. My credit score is over 700 and I wanted to do debt consolidation and the XXXX  XXXX  loan supervisor talked to me like I was slow. Wells Fargo is very XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax Dispute Information Center To whom it may concern : I was just looking over my credit report and found some addresses that appear to be incorrect. I've enclosed documentation providing proof of my current address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed ( which I would like removed please ) : 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 XXXXXXXX There should only be one address listed on my report, which is XXXX XXXX XXXX XXXX XXXX XXXX XXXX.I also noticed that my name appears to be misspelled on my credit report . My name only has one correct spelling, and there should be no variations listed because my name has no variations. My photo ID is enclosed to show the correct spelling. Once again, in order to make the process of deletion easier, here are the incorrect spellings I see listed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX There are more incorrect on you report, please remove from my credit report Please remove inaccurate employers as well as listed below:XXXX XXXX XXXX XXXX XXXX Once you have deleted the inaccurate names and addresses from my credit report, please send me a copy of my updated report.Thank you XXXX XXXX XXXX
Product: Mortgage

I contacted Fay Servicing on today and spoke with XXXX. She stated that a Deed-in-lieu was offered in XXXX. I advised her that I did not want to lose my home. I asked XXXX, where were they in the modification process because Fay Servicing had given a letter with a deadline of XX/XX/2020 to get documentation in to them. It was submitted on XX/XX/XXXX but I'm on a foreclosure list for this week. I asked how did they make a decision that quickly to send my home into foreclosure because I was on the list for this week. She transferred me to XXXX, Account Manager but there was no answer. I left my name and number for her to give me a call back. I have not received a foreclosure letter from the attorney, State of Tennessee require the homeowner is to receive a 30 day notice prior to a property foreclosure sale being set. The foreclosure sale date is set XX/XX/2020, I understand it is a mismeandor when the notice is given. Fay Servicing has been hard to work with and has refused to assist me with mortgage assistance
Product: Credit reporting

I have disputed this item several times with Equifax stating it is correct which it is not. I do not want to wait another XXXX days for this agency not to properly verify information. There is a public record on my credit report hurting my credit where I can not get approve for a home loan because of this which is my fathers THIS DOES NOT BELONG TO ME. Please help assist me. The next move will have to be hire an attorney to resolve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from my mortgage company saying they saw where I was shopping around for a house, well I have not been. I checked up credit report and it shows a hard hit on XX/XX/18 and it said miscellaneous agencies Equifax XXXX
Product: Student loan

To Whom It May Concern : I am currently using Navient to service my student loans. I have made on-time payments each month, and have never been late with my payments. However, each time I make payments online, my online Navient Account claims that all my current and future loans are " Past Due. '' To clarify, I recently paid {$250.00} for the month of XXXX. My next payment is due XX/XX/XXXX, but my Navient Account states that the upcoming amount is also past due. After, I made this payment, I received a payment confirmation. Today, I received another email saying that they have no receipt of my recent payment and that I will need to pay this amount on top of my XX/XX/XXXX amount. My bank account has already cleared this past amount. A few months ago, I reached out to Navient via their phone customer service ans was told this problem would be corrected. However, no such correction has yet to occur. I am frustrated with Navient 's sluggish response because I do n't want to overpay. I desire honest feedback and the automated emails that continue to be spent to me despite my payments are frustrating and unacceptable.
Product: Debt collection

I am filling this complaint because national recovery agency has alleged a debt is mine but can not prove this claim, they have contacted my father and the debt has hurt my credit to where I am unable to purchase a new car when I am a single mom of XXXX. I sent in a verification off debt letter to verify this alleged debt is mine and I am willing to pay as long as I can see proof of claim. This was ignored, a photocopy of this statement was sent which I specified in my letter to not have a photocopy, I then sent another letter re requesting the same info to verify the alleged debt, this letter was ignored. I then sent a pending litigation letter, another photocopy was sent disregarding my request. I have now sent a cease and desist notice as I see National recovery agency will not comply, they will not verify this alleged debt belongs to XXXX XXXX. I have spoken with XXXX XXXX via email who once stated they requested this info from XXXX XXXXXXXX XXXX and didn't get a response, I waited and all he sent AGAIN was a photocopy of a statement.