23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XXXX/XXXX/2016 received a phone call from a female who only said she was from Southwest and wanted to speak to me, when i told her she was she then wanted me to give her my social security number. She would not answer my inquiry as to who was southwest she just kept asking for my social security numer. I refused and she hung up with no explination as to why she called or any explination as to who Southwest was. I found out later while checking my credit report she was from Southwest Credit Systems in XXXX, Texas and that she had just place deragortory comments on my credit report. This person was rude and would not answer any of my questions as to who Southwest was. I will not give out my personal information to anyone over the phoe but she would not take no for a answer. Found out she was a collector trying to get information for collecting a debt i did not know existed. I have never received any mail or other correspondence from this Southwest company. We have moved twice due to selling our house. Still this company is rude with the way rhey treat people. I have checked with the XXXX Texas and supposedly there have been numerous complaints against this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are a few elements at play here that led to me not even being aware that my account was at risk for being delinquent. 

1 ) I have two separate loan accounts with this loan provider. One of which, I could access, the other, I could not. 
2 ) I was locked out of the account that they were sending correspondences to - and I wrote them through their portal, emailed them, and called multiple times ( Once on XXXX XXXX, once on XX/XX/XXXX, and at two other points in XXXX and XXXX ). None of these methods yielded a response. Not once. 

I had no idea that I had an outstanding balance that needed to be paid - only that there was a message in the account that I could not access. And the only prompt that was available when I tried to address the inability to login - was the site prompting me to call in. Which I did - but never received an answer. 

Things proceeded this way until XX/XX/XXXX, when my parents at my family home received a letter and sent me a message that I needed to call and pay by phone. I had no idea this was the case for so long and paid that same day. Fast forward to XX/XX/XXXX - I get a credit monitoring alert that I have 3 new derogatory marks on my credit report that dropped my score XXXX plus points. A score that I have been scrounging to protect since I graduated 3 years ago. That has come under assault due to misreporting from multiple sources. 

That being said, I literally had no way of knowing what was going on. When I called, I got no representative. When I tried to contact them via their portal on the site, I was prompted to call. So the cycle of no contact continued. 

All things considered, I would also like it noted that as SOON as I was aware that I owed any outstanding monies, I paid the same day. Also, with the loan that I have refinanced with XXXX and XXXX, that payment has always been on time. 

I think it's unfair to be penalized for something that was out of my control. In this scenario, I also demonstrated a consistent desire to understand what was going on, but when I called in today and spoke to a representative, I was made aware that the contact center had been dealing with a high backlog in terms of correspondence. That further contextualizes the issue that denied me the ability to contact the lender and even understand that I had a payment due. I would really like these derogatory marks removed.
Product: Student loan

In XXXX of XXXX I submitted an application for Public Service Loan Forgiveness to my loan servicer Navient. On XX/XX/XXXX, I was notified by Navient that my loans were being transferred to a different servicer. My payment date was XX/XX/XXXX. I tried to logon to my account and make my payment before the due date but was informed that I could not make a payment because my loans were being transferred to another servicer. I was unable to create an account with the new servicer until XX/XX/XXXX when I received correspondence from the new servicer. On XX/XX/XXXX I made the payment to the new servicer, the payment was processed on XX/XX/XXXX. The payment was delinquent. On XX/XX/XXXX I received notice from my new servicer, XXXX, that I was not eligible for a direct loan rebate because I had made a delinquent payment in the first 12 months of repayment. When I called XXXX on XX/XX/XXXX, I was informed that I could have made payment to Navient prior to my loans being transferred to XXXX. I was not informed that I could payment to Navient, and in fact was not able to make payment to Navient and am now ineligible for the direct loan rebate.
Product: Credit reporting or other personal consumer reports

My personal information was stolen XXXX, a police report was made, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that XXXX accounts that I have no affiliation or knowledge of has been placed on my credit profile. I requested account verification, and this will now be my XXXX  attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681B. 

ACCOUNTS LISTED ARE : 1.GENESIS CREDIT/XXXX XXXX XXXX, the account balance is {$4900.00} ( not sure when opened ) 2. XXXX XXXX ( account is dating back to XXXX ) and unsure of the balance I also have an inquiry listed for a company called XXXXXXXX XXXX from XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I believe that my information is being misused and reported as inaccurate and I am refiling this complaint to EQUIFAX. In my credit report dated XX/XX/year>, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C .

Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions and my FTC report with the number XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment regarding the numerous unsuccessful attempts to remove fraudulent items from my credit report. Despite my repeated efforts and providing ample evidence of the fraudulent nature of these items, they persist on my records, significantly impacting my financial standing and credibility. 

I first reported the fraudulent activity on [ date of initial report ] and have since made multiple requests for the removal of these items from my credit report. However, despite providing documentation, including any supporting documents, the fraudulent items remain unresolved. 

The continued presence of these fraudulent entries not only undermines my financial integrity but also creates unnecessary stress and inconvenience as I struggle to rectify an issue that should have been resolved promptly. Furthermore, the persistence of these items suggests a failure on the part of Credit Bureaus to adequately address and investigate my dispute. 

I urge you to prioritize this matter and take immediate action to rectify the situation. Specifically, I request that you : Conduct a thorough review of my dispute and the supporting documentation provided. 
Remove all fraudulent items from my credit report promptly. 
Provide me with written confirmation once the fraudulent items have been successfully removed. 
Implement measures to prevent similar incidents from occurring in the future, including enhancing security protocols and improving the dispute resolution process. 
I expect a prompt and satisfactory resolution to this matter. Failure to address this issue promptly will leave me no choice but to escalate my complaint to higher authorities and explore legal remedies to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance : {$20000.00} XXXX XXXX XXXXXXXX XXXX XXXX, XXXX Balance : {$0.00} XXXX BANK XXXX Opened XXXX XXXX, XXXX Balance : {$23000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Balance : {$0.00}.
Product: Student loan

Navient does not allow access to a monthly statement via their web portal. I am also unable to receive a 30 day loan payoff from my online account. This is deceptive as they do not want you to have this information as you could pay off their loans quicker of shop for more competitive rates.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. But despite all the complaints I sent to CFPB and Transunion, nothing has changed! So once again, I would like to request the suppression of these items from my credit report. Under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Transunion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at Transunion is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the items from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please DELETE this damaging information from my file right away! 

XXXX XXXX, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding multiple unsuccessful attempts to dispute fraudulent items on my credit report. Despite my persistent efforts, these inaccurate and fraudulent entries continue to tarnish my credit history. 

The fraudulent items I am referring to are as follows : XXXX XXXX Balance : - XXXX XXXX XXXX Balance XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX : {$12000.00} XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$12000.00} XXXX Original creditor XXXX XXXX XXXX XXXX  XXXX XXXX : {$240.00} XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX. 

I have taken the following actions to address this issue : I initially disputed these fraudulent items with your bureau. I provided all necessary documentation to support my claims, including police reports, affidavits of identity theft, and any other relevant evidence. 

Subsequently, I followed up to check on the progress of my dispute and to inquire about the status of the investigation. 

Despite my repeated attempts to resolve this issue, the fraudulent items remain on my credit report, adversely affecting my creditworthiness and causing significant financial harm. 

The Fair Credit Reporting Act ( FCRA ) mandates the accurate reporting of consumer credit information, and it is crucial that my credit report accurately reflects my financial history and responsibility. 

I kindly request that you take immediate action to investigate and rectify this situation by removing the fraudulent items from my credit report. It is essential for my financial well-being that this issue is resolved promptly. Failure to address this issue within the specified time frame may lead me to escalate my complaint to regulatory authorities and seek legal remedies. 

Enclosed with this letter are copies of the relevant documents, including police reports, affidavits, and any previous dispute correspondence.
Product: Credit reporting or other personal consumer reports

I disputed the debt with XXXX XXXX and XXXX with all three bureaus. I received my updated credit report and it looks like all of them say resolved. Yet, if you look at the screenshot I have attached here, they all have different information for who the creditor is, the status, the comments. They did not modify or update anything. It is not complete or accurate. I know a bunch of the information they're reporting is incorrect. Can you please look into this?
Product: Credit reporting, credit repair services, or other personal consumer reports

My issue is with XXXX ( website not working and costs $ $ $ ), Transunion ( costs $ $ $ ) and XXXX ( no security and insider trading ) for credit freezes.
My information was included in the XXXX hack and following instructions went to place a freeze on my credit report. The website does n't function and requires me to send in a variety of information over the mail. Additionally, it costs money each time I want to freeze/unfreeze my credit information.
I am 99 % certain if they had problems selling my information to others electronically they would place top priority on fixing those, but when it comes to protecting myself from the racket they are running its a pain in the @ $ .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Transunion - XXXX XXXX XXXX, XXXX, PA XXXX I wrote a letter on XX/XX/2019 to have the following unauthorized credit inquiries removed off my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX XXXX XXXX XXXX cars. 
I wrote a 2nd request onXX/XX/2019and have not received a response.
Product: Mortgage

there was a scheduled automatic payment debited to my account to pay my Santander mortgage but since XXXX XXXX I noticed that my bills were getting paid and the Santander bank account was overdrawn and the Santander checking account was charging me insufficient funds for {$35.00} and a week later they will charge me again sustained overdraft fee $ XXXX. I went personally to the Santander Branch several times to stop the automated mortgage payments to then choose a date that I know my XXXX Check is being deposited. Where then I know my bills are paid and I do n't get the overdraft fees charged on me. Ive been going and calling since XXXX XXXX. The Branch on XXXX XXXX, XXXX PA did n't do nothing to help me. The phone calls on XXXX made the Santander Mortgage sent me a document where they charged me {$10.00} to change the date of the automated payment from XX/XX/XXXX to XX/XX/XXXX. this form later I learned that it needed to be received, singed and sent every month. And so I continue visiting the branch to change this hassle. and no one helped. I received the letter to change the automated deduction on XX/XX/XXXX and I signed and sent it with the check. {$10.00}. Which I do n't know what I am paying that amount yet. And the mortgage still deducted my mortgage payment on the XXXX. this made my account to be overdraft again and now I have been " hit '' with a {$70.00} fees. When I went to the branch I talked to XXXX XXXX, to see if she can help me in the beginning of XXXX XXXX and she went on the phone to call the mortgage but she was helping other people at the same time and walked out I did n't knew if we were done talking or not, so I waited and then left.
Product: Debt collection

This Debt collection company has reported a negative credit report to XXXX, in which does NOT belong to me.
Product: Credit reporting or other personal consumer reports

XXXX XXXX NA XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT XXXX BANK XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX GLOBAL LENDING SERVICES XX/XX/XXXX ALLY FINANCIAL XX/XX/XXXX XXXX CREDIT/DARCARS XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT/DARCARS XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX CREDIT/DARCARS XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I tried to log in to Equifax to freeze my credit report ( after previously creating an account ) it told me that there was a general issue and I would need to call their support. 

I waited 45 minutes through their support system and reached a representative who was not able to freeze my credit report. I was instructed that the system was not working. I was directed to try logging in again, at which point it told my my account was locked. I had just reset the password so I am 100 % confident that the correct password was entered. 

The representative online told me however that my account was not locked. 

I was not able to freeze my credit report online or by contacting equifax support and am still unable to access my account.
Product: Credit reporting or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

A collection account was placed on my credit report in XX/XX/2017 by Midland funding. I was not aware of this account and had not received a dunning letter so I mailed a certified letter to midland on XX/XX/2017 requesting debt validation within 30 days. I have never done business with them and have also been a victim of identity theft in the past so I needed this account validated with proper legal documentation such as a signed contract, intimate detail or something identifying I was the owner of this account. After the expiration date a received XXXX copy of a front page bill with my name and address. I immediately responded to Midland advising the information provided does not validate this debt and they have 10 days to provide accurate legal documentation that this account belongs to me. I have yet to receive proper validation and this account should not be on my report.
Product: Credit reporting or other personal consumer reports

I signed a lease with XXXX XXXX aka XXXX XXXXXXXX XXXX XXXX around late XX/XX/year>, immediately after moving into the unit in XXXX of XXXX, I discovered the apartment was uninhabitable. It flooded on five separate occasion. I later found out that the XXXX floor was labeled as the XXXX XXXX  by other resident. On XXXX of XX/XX/year>, after a flood in the apartment, I demanded to be moved to another unit. They agreed after some back and forth conversations. I found a unit on the seventh floor in MID-RISE after looking at available units. Upon speaking with the manager she informed me that I needed to pay a prorated rent to move despite my furniture sitting in water in unit XXXX. This confused me because I had already paid rent XX/XX/year>, she claimed that was the only way I would be allowed to move in. I paid around {$1400.00} to get the key for unit XXXX. I paid full months rent of around {$2300.00} dollars for the XXXX of XX/XX/year> and around {$1400.00} dollars around the XXXX XX/XX/year>. 

I moved my property to the seventh floor and immediately discovered the seventh floor was leaking from the roof. I immediately attempted to resolve the issue with the office to no avail. I disputed charges with bank to no avail. I later in XX/XX/year>, received a call from a collection stating I owed XXXX XXXX {$2600.00} dollars for rent for XX/XX/year>. I disputed to no avail. I checked my credit and learned Hunter Garfield had access my credit in effort to collect this debt. this was done to retaliate for me calling code enforcement on XXXX XXXX aka XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

The app was created to quickly and if you meet up and send the incorrect person there no getting your money back and a lots of things to make the app easier to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent a certified letter on XX/XX/20 for a account that is not mine. I asked that they send me original documentation binding me to this debt but have not got a response.
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of Auto Loan account number XXXX XXXX XXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments XXXX XXXX XXXX XXXX XXXX XXXX I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.