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

I have complained to Eqifax and field disputes with them. It has been brought to my attention that duplicate entries are on my credit report double jeopardy. I will give an example, I have a delinquent XXXX account in the amount of {$500.00}. Under XXXX on my credit report it reflects that XXXX closed the account and has written it off. Really in fact what has happened is XXXX has sold this account to a third party collection firm. XXXX XXXX there is also a delenquinant account that is the same XXXX account now under a different third party ( FRAUD )! I have contacted Exifax about this. They claim this is legal under the Fair Credit Reporting Act, there is no way this practice is ethical. It is defamation of my character when a creditor looks at my credit report they see duplicate accounts not knowing it. I suggested to Equifax that they need to fix this. This collections account should be listed under XXXX somehow not as a separate account, I have never promised to pay the third party. I would hate to think how many American citizens are unaware of this practice. This needs to be taken care of if I do not get satisfactory results from this complaint I will take this to my Congress Representative for further action. 


Thank You XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report to find a company called XXXX XXXX saying i owe them {$1600.00} and that i opened an account with them in XX/XX/XXXX and I never had an account with them nor did i authorize and inquiries on my report. on XXXX I have an inquiry from XXXX XXXX on XX/XX/XXXX and XXXX XXXX XXXX on XX/XX/XXXX. Experian XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXXXXXX XXXX XXXX iis purposely trying to cause harm to my credit scores XXXX XXXX is reporting XXXX credit bureaus XXXX XXXX TransUnion and. Sold my name to. Others Collectors agencies names, XXXX XXXX, XXXXXXXX XXXX XXXX also others WhomAlso requested same. Exact money. That XXXX XXXX  is requesting .and not owed. Which had turned into Fraudulent activity by different companies requesting money not XXXXXXXX XXXX XXXX XXXX  other. corporations. My attorneys from XXXX XXXX XXXX disputes with credit bureaus companies and requested. Others information. Such as dates payments. And names on the Account. XXXXXXXX XXXX XXXX Haven't provided these on going verification iin 6 months ex. attached. Documents Below And lettter resently sent from XXXX XXXX asking for money with bill included different Names such as XXXX XXXX XXXX which is not my name On the Bill below
Product: Student loan

I reached out to Navient ( formerly Sallie Mae ) for a XXXX XXXX XXXX XXXX  for the private loans I had taken out ( with my late mother and another co-signor ) to attend XXXX XXXX  XXXX XXXX XXXX XXXX from XXXX. This school has been federally named as engaging in misconduct and for its participation in facilitating predatory lending through its preferred lender, Navient/Sallie Mae . 

The school and its representatives made untrue or misleading statements to persuade me to attend and to remain enrolled. 
The school also concealed, suppressed, and omitted information that would have otherwise informed my decision to attend or remain enrolled. 
Furthermore, the school used aggressive and deceptive recruitment tactics. They pressured me to enroll and take out loans and discouraged me from discussing these decision with my family and friends. 
Ultimately, the school failed to live up to its obligations under a contract. 

After paying on those loans for XXXX, the recent XXXX of my mother ( a co-signor for those privately held loans ) led to the Court-ordered repayment of those loans through the XXXX XXXX XXXX XXXX and funding from her XXXX just a few short months ago. 

As such, my request for a XXXX XXXX XXXX XXXX was denied by Navient. 

I am requesting that the CFPB look into this matter further please. 

I was defrauded by my school and should not be prevented from or deprived of applying for financial relief and for justice to be served on predatory private loans that I paid on for the past XXXX years based on the bad timing of my XXXX XXXX and subsequent mandated repayment of those loans ( through the Court ordered XXXX XXXX XXXX XXXX ) literally a few short months before the distribution of the XXXX XXXX XXXX XXXX. 

It should also be noted that I am a post-class member of the XXXX XXXX XXXX XXXX XXXX  case relating to my Federal loans ( now held by Navient ) as well. 

I appreciate your time and thank you.
Product: Debt collection

I have been receiving several mail items to my home regarding a seemingly fishy company called XXXX XXXX XXXX XXXX XXXX, which they claim is linked to the legitimate company ( CoreLogic ) claiming that they paid my property taxes for me, and are seeking reimbursement. 

I have repeatedly ignore these requests as they sound extremely scammy and because I've paid my property taxes directly with the county.
Product: Debt collection

I tried contacting the bureaus on a account that seems to be reporting as a duplicate on credit report and inaccurate. Both accounts seem to have a {$0.00} balance with a charge off. 
I do not recall having this account. Back in XXXX or beginning of XX/XX/XXXX I wrote to XXXX XXXX asking to delete account as it is stating in accurate results came back still in accurate even after I just provided proof of inaccuracies. After I got these results back in XX/XX/XXXX, I wrote to XXXX again XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX asking to provide method of verification and on a different occasion I asked to delete as I dont recall having this account open. I would like to know where information is coming from, especially when results continue to come back inaccurate. I have not received any document stating where information is coming from. On one of the accounts payment history reports OK as agree were on the other account and its reporting charge off. This is not possible if information is coming from same furniture data.
Product: Checking or savings account

My Sun Trust checking account was first hacked into by ATM withdrawals and was done at locations I didn't use.XXXXSun Trust refunded the funds.My only deposit I get is Social Security..they replaced Debit Card and new Pin Number..I explained how my cell phone and tablet was stolen and all my vital info was on these devices.They should have closed my account totally down..In XXXX there were withdrawals again from ATM machine, I filed a dispute which you wait a minimum of XXXX up to XXXX for their off shore Fraud Department to process the claim they denied the claim..I send a rebuttal denied..I live only XXXX XXXX Social Security..its close to $ XXXX, then on the morning of XX/XX/XXXX I get a call from Sun Trust there is suspicious activety..well they used at XXXX an app. called XXXX XXXX.deleting close to $ XXXX Trust reimbursed me immediately..They never suggested to close my account down..they have the person 's name who did Cash Out..he has taken over my phone I'd and passwords..Why are they refusing to give me my money..Trust me its well needed..I 'm a XXXX Person and the past year recovering from XXXX XXXX followed by XXXXXXXX XXXX..I have been a Sun Trust for XXXX. they never had a problem with me..They know it was hacked and just refusing to give me my funds..I was applaud that the Branch Manager told me to go to a XXXX XXXX..and it's my fault that I need to protect my account better. She then precedes to tell me she doesn't use a Debit Card..or Online Banking or Auto Pay..because they are not safe..Please I need my money..Thank You and God Bless
Product: Credit reporting or other personal consumer reports

A vehicle was purchased in my name I filed a police report against it to have the account removed off my credit report. Transunion will not remove it just because they are saying XXXX financial is reporting it as accurate. Just because you have my identity and it's my information does not mean it was me who physically signed for this vehicle. There needs to be hard proof because so many people 's identity is getting taking and it's changing our lives for the worst by not removing these fraud items. I since then placed a fraud alert on my report. My next step is filing a law suit against Transunion and XXXX if I'm not treated fairly in this situation. XXXX and XXXX has removed the fraud account from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Transunion, and XXXX  are reporting a balance that have been paid and I do not owe. XXXX and XXXX  XXXX XXXX XXXX, debts have been paid and they continue to report a balance.
Product: Credit card or prepaid card

The credit card is through Chase Bank. I have a second card through chase bank that is now almost XXXX years old, however with the card in question chase continues to hold my payments. They say its because Im a new account which is not true. They refuse to take my current history with the other card into account, as a result they have held my last XXXX payments. I pay my bill in full every week, because I refuse to pay interest. However due to chase holding my payments not only do I not have my available credit line actually available where it should be, but these holds are now lasting 7-10 days. And let me make it clear the first card with chase bank I have did NOT have this issue, AND the checking account that I pay from has been in place and used for the last 2 years with chase. I can no longer tell what I do and dont owe to my card because their holds are are making it very vague. At some point I will miss something and be charged interest in this card, which Im feeling is the reason behind this.
Product: Credit reporting or other personal consumer reports

This complaint serves as a formal complaint regarding the inaccurate and incomplete information that you are reporting on my Credit Report, which I wish to dispute. 
While I acknowledge that errors can occur, it is important to rectify this inaccuracies promptly, as they could potentially lead to higher interest rates for me. Given my current financial obligations, such additional expenses are unwelcome. 
XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and XXXX XXXX of remax improperly obtained and shared my medical information without my consent. They also attempted to coerce me into signing a cease and desist letter. Additionally, I believe they engaged in fraudulent conduct, taking money from me under false pretenses
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been informed that Equifax maintain a Tax Lien in their file under my Social Security number. Upon ordering a copy of my credit report, I see an entry listing in the amount of {$31000.00}. 

XXXX County Recorder Case # XXXX does not report Tax Lien to credit bureaus. The New Credit law inXX/XX/XXXX says that federal law protects the privacy of most personally identifiable information reported. However, credit bureaus actively search public records for any judgements or tax liens. 

A Tax Lien filing is public information. Again XXXX County Recorder does not report anything to the various credit bureaus, nor do they verify that the information reported is accurate. Equifax, XXXX, XXXX has found information on Tax Lien through third party research. 

Transunion and Experian have already removed this from their file so I sent 2 certified letters XX/XX/XXXX and XX/XX/XXXX to Equifax since they are the only one showing this Tax Lien to validate this information and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature. I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. I received a reply back from Equifax that it was validated by XXXX in which I never received anything of the such. So I sent them another certified letter again this time one to Equifax and one to XXXX requesting my signature to validate this information. This time Equifax sent me a Reinvestigation letter stating that XXXX XXXX XXXX is currently not reporting on the Equifax file. So not true, I requested another credit report and it was still there as of today. I did not get any results from the credit bureaus which has brought me to file this complaint. I will also be filing today XX/XX/XXXX with the Attorney General Office and the Better Business Bureau. This need to be deleted off of my record immediately as it is affecting my credit scores. I also sent them a copy of the New Credit Law where all the bureaus agree to delete all tax lien and judgements off of credit reports.
Product: Checking or savings account

Since 2020, Navy Federal Credit Union has authorized transactions to go through my account even though the funds were not sufficient enough to cover the transaction amount, and then proceeding to charge me an overdraft fee. This has happened on numerous occasions since Ive been a member. Ive called them about this and theyve said I have overdraft protection, but I clearly do not when this has happened so many times. They havent been of any assistance in this matter.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> Transunion had send me a letter stated that the hard inquiries that were on my report were deleted. And I was very happy with the results until XX/XX/year> I had went to check my credit, I notice that the same hard inquiries that I discovered are back on my report again. I had file a FTC report about this before back on XX/XX/year> transunion block my information, I also file another ftc report in XX/XX/year> transunion block that information. I file a new FTC report in XXXX of XXXX  please look it up. Its not fair to me to keep reporting theses items that I have no knowledge of. And also They dont have no documentation with my XXXX  on it. I need them items to be remove ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which they have this company down twice!! Coded 15 u.s.c 1681b ( c ) inquiry removal, also by transunion fail to complicate with my FTC report back in the summer. Thats 15 u.s.c damages for noncompliance ( FCRA ) section1681 ( n ) I would like from them to remove this inquires asap.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX Balance - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX  XXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX $ XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX - Account NumberXXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number:XXXXDate opened XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Account Number : XXXX -Date opened XX/XX/XXXX Account Name : XXXX - Account Number:XXXX-Date opened XX/XX/XXXX Account Name : XXXX Account Number:XXXXDate opened XX/XX/XXXX UNAUTHRORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

The contractual date began in XXXX of 2018. It was approximately XXXX months later, I noticed there were additional fees being applied. I called and wrote Ally on a consistent basis. Working to resolve the discrepancies. Honestly, there are so many I had and/or have a hard time keeping up with them. 

I have come up with a minimum of {$48.00} in the number of overpayments. 

In reviewing the amounts today, the number is adding a {$690.00} amount. 

Additionally, there were fees and charges made to my personal checking account in excess of {$300.00} not recovered! 

Beware of Ally they also close personal accounts with no explanation.
Product: Mortgage

I requested to opt out of my escrow account and the request was not approved. My initial mortgage company ( XXXX Mortgage ) gave me the option of paying my own hazard insurance and county taxes because of the amount of my down payment. It was my understanding that my current mortgage company would honor the same provision of the original loan. Since M & T Bank took over my mortgage I over payed my mortgage by over {$7000.00} the first year ( XXXX ), and my mortgage payments for XXXX went from {$740.00} to {$2200.00}. This is because apparently they are unable do determine the amount of home owners insurance and property tax due at the end of the year. I am willing and able to make my property tax and home owners insurance payment directly to my insurance company and county tax office. Thank you in advance for your kind consideration in this matter. 

XXXX XXXX XXXX XXXX, XXXX
Product: Credit card or prepaid card

I filed a dispute on XXXX XXXX for {$1000.00} with a big wheel XXXX XXXX using a American Express Serve debit card. No services was performed or received but this merchant charged my card and is refusing to give me a refund. Amex is saying no charge was unauthorized which is not true this merchant got a free {$1000.00} from my card and i demand a refund.
Product: Student loan

I made a large lump sum payment in XXXX 2016. There was a calculator on the website that provided the pay off amount which included the interest amount due. The lump sum payment matched the exact amount shown as the " pay off amount '' for the larger of the XXXX loans. I instructed the phone representative to apply the amount to the larger loan on my account. Instead, I was told the payment will be applied to the total amount of both loans. In addition, interest was subtracted from the payment amounts applied to each loan. Today, I have XXXX smaller loan amounts that are drawing interest.
Product: Student loan

Tonight I learned that I am 371 days delinquent on my student loans. I have not received any correspondence in the mail to this effect. Navient 's representative mislead me in XX/XX/2017 by telling me that I was processed and approved for a forbearance, but they did not enter it in the system. Tonight, I contacted Navient and the representative, XXXX id # XXXX ( XXXX IN ) told me that I was processed and approved for a forbearance. I also asked to make a payment for {$120.00} like the letter said on the correspondence on their website, he refused saying that I had to pay {$1000.00}. I asked for an income repayment option and he asked some questions and told me that I was eligible based on my answers, but that he couldn't process it over the phone because the account was locked, but my account is not locked on the website. I asked if he were able to do an override and he said not, so I asked for a supervisor because he was pausing and I felt as if I was being given misleading information. The supervisor, XXXX XXXX sad she would transfer me to the cures department, but they were closed. I asked her for the new date that payments would restart since I now have a forbearance. She said you do not have a forbearance. He processed it, but I reversed it because you are not eligible. I asked her why the system allowed it be be approved and processed if I were ineligible. XXXX XXXX XXXX could not answer this question. My credit has been harmed by Navient 's misleading and harmful practices.
Product: Mortgage

I applied for assistance with Wells Fargo Home Mortgage after falling behind on my payments. I hired an attorney to assist me submit all of my paperwork. My attorney states i qualify for Making Home Affordable. Wells Fargo denied me stating the only reason i was denied was because I did not file my XXXX income taxes. I did not file taxes because my income was XXXX for that year. However, after receiving a denial letter stating they could not approve me because I was missing my taxes, I filed them. My attorney forwarded the filed taxes and appealed the denial within the timeframe allowed. Wells Fargo Home Mortgage denied my appeal 6 days later without considering my newly filed taxes. I am told by my attorney and others that this is normal for Wells Fargo Home Mortgage. It 's all part of their FRAUD they commit against their account holders. In my case they are purposely trying to evade giving me assistance so they make up stupid internal rules and block me from re-applying after my taxes were filed. They now say I have to go through the reentry team. A department of Wells Fargo that is ILLEGAL per RESPA Regulation X. Wells Fargo and any servicer is not allowed per RESPA Reg X to " EVADE '' reviewing me for assistance. I have no sale date and Wells Fargo simply wants to use the excuse of their procedures to run out the clock on my time and set a foreclosure date. They already filed a NOD on XXXX/XXXX/XXXX.
Product: Debt collection

I have been notified to pay debt for an apartment I use to live in ( XXXX XXXX XXXX XXXX, XXXX, AZ, XXXX XXXX XXXX XXXX ). I broke my lease with the military XXXX and provided notice to the management office XXXX days in advance from my move out. A debt collection company continues to call me ( I.Q data international inc ) and asking me to pay {$7300.00} $ or that it will hit my credit. 

I called my old apartment management office and they are tracking that I owe {$0.00} and that they actually owe me {$250.00} deposit back. 

I have written confirmation of both my notice I sent as well as the {$0.00} balance due to my old apartment, however me ( I.Q data international inc ) keeps calling and threatening my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never attended college in XX/XX/2014 so I do not understand these late payments. I never received any bills or statements.