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

I purchased a home with my ( at the time ) husband using a VA loan through Wells Fargo Home Mortgage in XXXX of XXXX in the state of XXXX. We were approved for the VA loan due to his XXXX XXXX status with the XXXX XXXX. I am not, nor have I ever been a member of the XXXX XXXX XXXX. We were divorced in XXXX of XXXX, and per our divorce decree, he was to be responsible for the house that we purchased and was to take over the mortgage payments. At the time of our divorce in XXXX, I left the state and moved to XXXX ( I no longer occupied the house we purchased together since it was his per the divorce decree ). The house was foreclosed on in XXXX of XXXX ( unbeknownst to me ) as he apparently did not make the mortgage payments as was dictated in the divorce decree. As of XX/XX/XXXX, Wells Fargo Home Mortgage is still reporting negatively on my credit report due to that mortgage being foreclosed on. I have sent them copies of the divorce decree multiple times, and even filed a dispute with them, however, they refused to remove the information from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon my name is XXXX XXXX there are addresses and inaccurate debt that happen to appear on my credit my file a dispute the XXXX of XXXX I followed up a month later to see if they would remove the inaccurate information they did not so I followed up with another call to dispute it over the phone they again failed to remove the information
Product: Checking or savings account

XX/XX/XXXX Goldman Sachs ( GS ) closes the account in which I deposited {$100000.00} from XXXX XX/XX/XXXX I contact and confirm funds will be refunded. 
XXXX Goldman confirms receipt of my written complaint XX/XX/XXXX Goldman advises the account is open and funds are returned. They reopened the GS account. 
XX/XX/XXXX or thereafter, Goldman posts a {$25.00} goodwill credit and I inquire about the cause for the closure and wire transfers. 
XX/XX/XXXX I request a closure of the account and wire transfer to XXXX. 
XX/XX/XXXX Goldman advises that XXXX returned the funds due to incorrect name/account number. 
XX/XX/XXXX XXXX states the wire had both my name & address in the field, which their system doesn't recognize, so it bounces back. they also advise of a GS account number which doesn't match GS bank data. 
XX/XX/XXXX As I request a rewire, I am advised that the early withdrawal fee is doubling and front office will request appeal. 
XX/XX/XXXX Outcome is still pending. Closure is pending the appeal of early withdrawal penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several items that I did not open and have no knowledge of. The items in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Balance Owed : {$480.00} XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} XXXX  XXXX Balance Owed : {$3300.00} XXXX  XXXX Balance Owed : {$1800.00} XXXX  XXXX Balance Owed : {$1200.00} XXXX XXXX  XXXXXXXX XXXX XXXXXXXX Inquiry Date XX/XX/XXXX XXXX Inquiry XXXX XXXX XXXX Inquiry XXXX. I can assure you that I did not open these items or authorize anyone else to do so on my behalf. The items I am disputing do not relate to any transactions I have made or authorized. I have reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I have been a victim of Identity Theft, my information was stolen and used to open these items without my permission or knowledge I therefore request that you immediately remove these fraudulent 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. Below is the list of the fraudulent items I found on my Credi report.
Product: Debt collection

National Credit Systems XXXX This huge debt is affecting my family. I can not rent anywhere due to this debt by XXXX XXXX XXXX send my name to National credit Systems. Its unlawful i left the month my lease ended and left everything clean/ perfect conditions. This debt is keeping me stuck please i need this removed. My family deserves a good home and i can not move anywhere with this debt attached to my name. The only flaw in my credit is this. please remove this. Ive been living with family because no place will rent with this on my credit. please remove this debt from my name im at my lowest.
Product: Credit reporting or other personal consumer reports

My account with the company and i was never late! I have had exceptional payment history with this company and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in MONTHS REPORTING LATE to be removed They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. 

This company never sent The periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, XXXX and XXXX continues to report in accurate information on my credit report and refuses to correct the problems and conduct a proper investigation. Please review the screen shots from my most current Experian report ( not a third party ) That shows my account status is Closed. I have also included the email thread from XXXX XXXX Who is a XXXX XXXX manager in the XXXX XXXX department XXXX Who refuses to fix the problem despite the screen shots that clearly show the account status closed. They are reporting the account in XXXX and XXXX as being late when they should be reporting current and they are reporting the accounts 90 days past due when the account was suppose to be in approved forbearance. This company and the credit reporting agency have failed to do proper investigation and correct the my reports, despite my disputes. Even the president of the company was emailed about the problems and totally ignored my emails. Problems with this company have been reported to the state attorney generals office, CFPB and XXXX  and no one will listen or fix the problem.
Product: Debt collection

I ordered an oven from XXXX online. It was the wrong size so I cancelled it on the same day. 
They use a 3rd party finance company called Affirm which I had used many times previously. 
Affirm will not remove the debt despite my having cancellation confirmation from XXXX and despite XXXX reaching out to them. 
Affirm has been texting, emailing and writing to me trying to collect a debt for an item never shipped or received from XXXX. 
They say I owe them {$1300.00}. 
I have submitted to them copies of emails from XXXX and still they will not leave me along. This began last summer. 
I feel this need to be addressed and to be something that future consumers need to know as to how Affirm and XXXX handle this type of issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Ive attempted to file an online dispute with Transunion several times, their site keeps showing a previous dispute which is already resolved/closed when I attempt a new one. It wo n't let me file an additional dispute about other items, account balances are incorrect. I pay a monthly membership for their site and should be able to file online disputes as part of paid membership
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't want to see this on my credit report, I'm begging you this is not mine, This is totally Fraud. Please take an action with this innacurrate accounts.

See the documents attached.
Product: Debt collection

Southern Management Company nor XXXX XXXXXXXX XXXX never contacted me regarding my collection account. In fact, earlier this year I had a collection account deleted due to them not verifying specific information related to the collection account. So, you can see that I was shocked to find another collection account placed on my account without me receiving any information. Southern Management Systems contacted me on two different occasions, however, after I asked who they were they hung up the phone on me not stating the reason for the call. As you can see in the attached documents they had my wrong address even though before I left the complex I gave them my forwarding address. In addition, when I left I did not receive a walk-through of my apartment, so, therefore, how do I know that these charges are accurate? Since this collection came on my report a few months ago I have moved again and I still have not received any correspondence from them as well as XXXX XXXX  for the accuracy of this report. It has been 2 years since I moved from there, and I am trying to figure out how they can place this on my account without any accurate information. I demand for this inaccuracy to be removed from my report and to notify Southern Management Systems and XXXX  XXXX of their discrepancies.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION LISTED BELOW, WHICH APPEAR ON MY CREDIT REPORT, DOES NOT RELATE TO ANY TRANSACTIONS THAT I HAVE MADE. 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: Debt collection

They call 5 times a day and do not leave messages and when the phone is answered the do not say anything. This happens everyday for the past year or two.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report inaccurate information on the fallowing account. I recently sent you a request to investigate the information previously disputed on my consumer report on XX/XX/ your company has not fixed issue. It is still reporting inaccuracies on my consumer report. Please investigate these accounts and send me an updated report with these changes. As these companies are in direct violation and is subject to 15 U.S. Code 1681i ( a ) and 15 U.S. Code 1681i 5 ( a ) ( i ). Your company is also reporting a chargeoff/collection acccount, I have not recived a 1099c form this company please provide me with one do not update this account delete immediately! 

ACCOUNT NAME : XXXX XXXX XXXX  ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX ACCOUNT # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried for months to get my credit report from myequifax.com. Every time I try to login I get an error to call them. I have spent hours on the phone trying to get this fixed. Whenever I'm told it's been escalated I call back and I'm told it wasn't escalated. No one will fix the issue so that I can get my credit report online
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report due to my recent victimization by human trafficking. I have identified several accounts and/or pieces of information on my credit report that are incorrect and were not authorized by me. 

XXXX XXXX XXXX Balance : {$21000.00} XXXX XXXX XXXX Balance : {$34000.00} XXXXXXXX XXXX XXXX Balance : {$18000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 with my written instructions.
Product: Debt collection

my credit report shows XXXX XXXX is collecting for XXXX in the amount of {$690.00} I contacted XXXX in XX/XX/XXXX to inquire about the unknown acct. was informed XXXX no longer owns it and is unable to access records. 
I never had a XXXX account.. I contacted XXXX and requested verification, none has been provided, yet they continue to report the account. I need written proof to substantiate the existence of such account to file police report. I can prove that during the same alleged time frame I had phone service connected for years under my ex account through XXXX and never had my own. tired of being ignored. they have full knowledge they are violating the law.
Product: Credit reporting or other personal consumer reports

Fraudulent inquiries reporting on Transunion : XXXX XXXX XXXX  Date : XX/XX/scrub>XXXX XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX Date XXXX XX/XX/year> XXXX. XXXX Date : XX/XX/year> These inquiries are fraudulent. I have not applied for credit with the above listed lenders.
Product: Credit card or prepaid card

I applied for an Amazon Visa card and was approved on XX/XX/XXXX. I applied for the card specifically for use on Amazon XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX. The application was approved by Chase, the card issuer. There was an offer for 0 % interest for 18 months which I was eligible for. I was going to use the card to purchase a couple of XXXX devices which are currently on sale. When I went to check out on Amazon, the card was showing as a payment option, but I kept getting an error message when trying to complete my purchase. I called Amazon who told me that Chase would be able to provide me with the full card number, however they were not able to. While I understand that this is due to security reasons, I wouldnt have applied for the card if I had known that I wouldnt be able to use it to make purchases during this 2 day sale. Because it was showing up as a payment method on my Amazon account and wasnt requiring the full number, I though that I would be able to use it. As Im not able to use it, I do feel that theres been a level of bait and switch here, both by Chase and Amazon. Im losing out on nearly {$170.00} on savings during the XXXX XXXX Sale. I applied for this card in good faith and with the understanding that I could use it immediately. As this is not the case, Im wondering what my options are as I would not have applied for the card had I realized that I wouldnt be able to use it. Im also concerned about the impact of this on my credit report. I finally just finished up over an hour and a half on the phone with Chase and theyre expediting the card, but I dont think itll get here in time for me to take advantage of the sale on Amazon. Additionally, Chase is saying that this is an issue on Amazons side, but given that Chase is the card issuer, it seems like theyre trying to pass the buck.
Product: Credit reporting or other personal consumer reports

The following Inquires did not get permission from me to run my credit, these agencies i have reached out to on a recording line and they have denied that they ran my credit, i have disputed these before over the years and asked for removal. According to fair credit reporting agency i can request proof of the exact description of how they found these accurate after informing them they are inaccurate. 


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 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 XXXX XXXX XXXX XXXX XXXX
Product: Student loan

this is my second complaint forthe same issues. The response from ED financial on XXXX is unacceptable and does not address any of the issues in my complaint. They say nothing about refunding the interest that accrued during the time they had my loans in the hardship forbearance ( accrued interest ) instead of the SAVE forbearance ( no interest ). Particularly disturbing is the response stating they will indeed expect a monthly payment that is more than I earn in a month beginning this XXXX unless I recertify for the SAVE program. There is no way I have seen on the department of education website to reapply for SAVE. Once you have it you have it, there is nothing about having to recertify periodically for SAVE. This is the response from ED financial, I make XXXX an hour and my monthly payment if SAVE goes away will be more than I make in a month I will be filing another complaint. From ED financial : Based on your account your monthly installment would increase to {$2100.00} beginning XX/XX/XXXX if recertification was not submitted to remain on the SAVE plan. from my original complaint : My student loans that are over 30 years old with an original principle of {$39000.00} are on the SAVE plan and the servicer is ED Financial. In XXXX of XXXX I worked with ED Financial to put these in forbearance since I could not make the payments. They should have been put in a SAVE forbearance which will not accrue interest, but instead ED Financial put them in a verbal forbearance which has been accruing interest for months. On XXXX ED Financial told me over the phone that this is a mistake and that they will fix this, but they would not provide anything in writing. Additionally, on XXXX they sent me a repayment schedule for the IDR plan that does not make any sense. This repayment schedule has me paying {$68.00} for 5 months. Then it goes up to {$2100.00} a month after that for the next 18 months, then varying amounts per month after that. I only make {$18.00} an hour 29 hours a week. A payment of over XXXX XXXX a month based on this income does not make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I am filing this CFPB Complaint to notify the Credit Bureaus that I have fallen victim to identity theft. After doing some research, I learned that I must contact the FEDERAL TRADE COMMISSION or visit https : //www.ftc.gov to file a report. According to section 605b of the FCRA, the Credit Reporting Agencies are mandated to delete all accounts and information listed on an IDTHEFT REPORT. Upon receiving a copy of my credit report, I was alarmed to discover that there are numerous accounts that I did not open nor have any knowledge of. Please find the ATTACHED documents to help in deleting the erroneous information being posted on my report. The items in question are as follows : 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 Balance : {$0.00} XXXX XXXX XXXX Balance : {$6700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023. I would like to highlight that I did not open any of these items or give anyone permission to do so on my behalf. I am convinced that this is a case of identity theft, and I am taking measures to report this to the authorities. According to FCRA Section605B ( a ), the CREDIT REPORTING AGENCIES should block any data in a consumer 's file that the consumer identifies as information arising from identity theft within four business days of receipt.
Product: Mortgage

I need help with my Mortgage It was with XXXX XXXX   when I started this my Husband XXXX passed away and i wanted to have the payments put in my name we have lived here for 30 years and i have nowhere to go They ask me to send in Certificate of death and was told i could not make payments till it was fixed from there they ask me to send in a lot more paperwork over the next few months. 
They said we were all set and then the Loan went to SPS mortgage they said they knew nothing and i needed to start sending them a lot more paperwork also they had me go the County and get all the Deed paperwork and Letters of Authority so I did and sent them months went by of more paperwork sending and a few weeks ago they said now we cant help you because you gave up the home in the bankruptcy 10 years ago. I kept telling them we never did that we always Reaffirm the Mortgage and have been paying for the home we went back and forth for weeks on this they said they had paperwork to prove this and started to sell mt home Sale date XX/XX/2019 I called legal help line and told me to go downtown to the United States Bankruptcy Court and get a copy of the paperwork so again I took the day and spent the money to get this paperwork and sent it to them showing we did Reaffirm the home. 
Now they are looking into this and the Sale Date is still on my home Please Help Me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, and # XXXX - US Bankruptcy Court 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 a account without my written instructions