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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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

The purpose of the letter attached is to dispute the XXXX XXXX XXXXXXXX credit card suspension, the negative effect i has had on my credit report, and denial of a recent application. Please, see the letter an d credit report attached.
Product: Vehicle loan or lease

WELLS FARGO DEALER SVC XXXX XX/XX/2014 {$0.00}
Product: Debt collection

This hospital committed insurance fraud when I came into the XXXX  and billed me for a patient stay, up charged my XXXX XXXX for a high level when I had nothing more than a XXXX XXXX They lied about the services rendered and lied about doctors they say I saw and when. I wasnt there overnight. I signed out XXXX. 

This is the second time this hospital has done this. I reported this fraud directly to my insurance company and they forced the hospital to resubmit the bills and demanded to be refunded. However they are still billing me for this. My insurance company said I owe nothing. I provided the hospital and the debit collection company with the bill, letters, and the explanation of benefits. They refuse to fix this. I have report their fraud to the department of justice as well.
Product: Debt collection

XXXX XXXX seized my bank accounts, took all my money and said that I am not the head of household, I am the only one in the household and almost lost everything because of their XXXX. This is from a credit card debt from more than 5 years ago ( beyond the statute of limitations in Florida ) from when I was unemployed and alerted them of the unemployment status, but they still sent the file to an attorney and just took everything. Then, XXXX XXXX XXXXXXXX, where my accounts were, also froze my accounts for more than the amount of the judgement and continued to return checks and try to collect fees for funds that were there.
Product: Checking or savings account

On XX/XX/2022 a fraudulent charge appeared on my account. I received no notification or any warning from the bank and there were multiple charges on my account. It wasn't until my card was declined at the store and I checked my account on XX/XX/2022, where I found, that charges on my card where made by someone else. They were made outside my state of residence and in some cases made in the same day in separate states. I contacted my bank ( skylight one ) and they said it was under investigation since XX/XX/2022. They told me it would take 8-10 business days to resolve this issue. I have not received any information about the status of my claim nor had I received a replacement card. I called again today XX/XX/2022 and was told it is still under investigation and that that the funds have not been returned to the account. I had not been assigned a new card nor would they give me any contact information who I could speak to about this matter, if anything they were evasive and unhelpful. I finally demanded a new card and they said one would be delivered within three business days. I have access to no fund and have had to barrow money just to get gas to go to work since this incident occurred.
Product: Mortgage

Upon my divorce back in XX/XX/XXXX, my ex-husband relinquished all rights to the home/mortage we acquired together in XX/XX/XXXX. Since then I am the sole owner and responsible party for payments and related financial obligations. I have kept my mortgage current and have requested my lender to remove my ex-husband 's name from the loan on several occasions. The last time I was asked to submit the request in writing which I did in XXXX XXXX. The lender send me an acknowledgment on XXXX XXXX but will not take action. I have kept calling to inquire on the status of my request and no one can give me any guidance. Please help.
Product: Debt collection

I continually get phone messages stating I owe some sort of " debt '' that I don't owe. I'm threatened with legal action and threatened of credit agencies being notified resulting in my credit being tarnished.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention the ongoing and deeply concerning issue I am facing regarding the persistence of fraudulent items on my credit report. Despite multiple attempts to rectify this situation through your dispute resolution process, I have encountered significant challenges, and the fraudulent items remain unresolved. 

I have taken the following steps in my attempts to resolve this issue : I have submitted disputes for each fraudulent item through your designated online dispute platform, providing detailed information and supporting documents. 

I have contacted your customer support hotline to inquire about the status of my disputes. Unfortunately, the information provided has been inconsistent, and there has been no resolution to date. 

In an effort to expedite the resolution, I have submitted supplementary documentation [ list any additional documents submitted ] to strengthen my case and provide clarity on the fraudulent nature of the items in question. 

Despite these efforts, the fraudulent items persist on my credit report, causing undue stress and negatively impacting my financial standing. This situation not only compromises the accuracy and integrity of my credit history but also erodes my confidence in the effectiveness of Credit Bureaus dispute resolution process. 

I request an immediate and thorough investigation into the fraudulent items on my credit report, along with a prompt resolution to correct these inaccuracies. Additionally, I seek transparency regarding the specific steps taken during the investigation process and a detailed explanation for the continued presence of these fraudulent entries. 

I understand the importance of accurate credit reporting for both consumers and creditors. It is my expectation that Credit Bureaus will take immediate and decisive action to rectify this matter and provide a resolution that restores the accuracy of my credit report. 

If this issue is not addressed promptly and satisfactorily, I may have no choice but to escalate my complaint to relevant consumer protection agencies and seek legal advice to safeguard my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I accidentally submitted a payment to EdFinancial, my student loan servicer on XX/XX/year> for the amount of {$8300.00}. Having spoken with their customer service many, many times, EdFinancial continues to stonewall my request for information regarding my refund. They simply tell me they have no information on my refund or the status of it, among false information and information that conflicts with the Department of Education. 

According to several representatives I have spoken with at the Department of Education, my refund is supposed to come as a check from EdFinancial ( my servicer ), not the US Department of the Treasury. I have confirmation from my latest recorded phone call with EdFinancial 's customer service. Indeed, the check is supposed to be processed by them, not the Treasury. Apparently, their Financial team is supposed to process this check. Communication via their Financial team, their customer service, and me is extremely poor. It is suspicious and frustrating that my servicer 's customer service can not communication about my check with their Financial department. Moreover, it is a great deal suspicious that EdFinancial is holding on to my money for this extreme amount of time when processing a check should not take more than a full week. 

To reiterate, this is an accounting issue due to an accidentally payment. This is NOT an issue related to a pandemic overpayment or an issue related to student loan forgiveness. Therefore, this refund ought to be processed by EdFinancial, not the US Department of the Treasury. According the Department of Education, my servicer is " obligated by contract '' to issue me this refund themselves. Any process related to the Treasury is false. 

In XXXX, my servicer updated my account statement to include a " payment reversal '' so that my principal balance changed to a larger amount before my accidentally payment occurred. In spite of the balance reflecting the amount before the payment, I still have not received my funds. This is a HUGE problem because aside from me desperately needing the money to pay my rent and expenses, I will be paying interest of a false loan principal once payments resume this XXXX. Additionally, I do not have the ability to accrue interest in my HYSA with these funds as a result of EdFinancial 's poor handling on this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Company claimed they needed more documentation that it was my information such as a ssn.
Product: Credit card or prepaid card

In late XX/XX/2019, I brought my wife 's car to ASAP XXXX in XXXX, NJ. One mechanic named XXXX, not the owner, looked at our car and said it would cost over {$3500.00} to repair it. Based on that info, we decided not to repair it. However, the owner, XXXX, told us that he could repair it for {$2600.00} and that it would run for a year or more. Based on this, we decided to go ahead with it. We picked up the car on XX/XX/19. The car wouldn't start, needed to be jumped and the check engine light was on. Within a couple days, the car was shutting down in traffic which it had NOT been doing previously. I tried several times to reach the owner. XXXX, the other mechanic, would answer and say that XXXX, the owner, wasn't there. 
Since I was unable to reach the owner, I filed a dispute with TD bank credit card services since I used my TD credit card to pay. Even though the merchant NEVER even responded to TD credit card 's dispute department, TD came up with an illogical reason to only credit me for {$400.00} of the {$2600.00} dispute. 
I don't understand why a full refund was not awarded when the merchant did not even provide any explanation or response of any kind. All of my research suggests that visa protects the consumer in cases such as this yet TD bank refuses to do so.
Product: Credit reporting or other personal consumer reports

Right now I am bothered! I have attempted to be patient ; however, it is hard to be patient when you feel that you are continually being overlooked by somebody. I am a victim of Identity Theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments.In accordance with FCRA, I am requesting these items to be reviewed for completeness and accuracy and appropriateness. In lieu of sending the information, please ensure a proper investigation is performed. I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right and pursue legal action. 

XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Issues with Your Reporting : Repeated Inaccurate Reporting You have incorrectly reported this debt as a charge-off every month. A charge-off is a one-time event, and repeated reporting is misleading and violates my rights under the Fair Credit Reporting Act ( FCRA ).

As this is a " Buy Now, Pay Later '' account, the reporting does not align with the nature of the original debt. 
Lack of Proper Documentation & Debt Validation While you have sent loan agreements, none of these documents contain my original signature. Sending generic loan agreements does not satisfy the legal requirement for proper debt validation. 
I am formally requesting that you validate this debt by providing a copy of the original loan agreement that bears my actual, original signature. If you can not provide this documentation, you must immediately remove the inaccurate reporting from my credit file. 
Failure to Provide Proof of Debt Transfer You have not provided documentation proving the transfer of this debt to a collection agency. Specifically, you have failed to disclose which agency is managing the debt and provide legal documentation of the transfer, as required by law. 
Failure to Address My Concerns In a recent conversation, your representatives refused to address my concerns. I have downloaded proof of this conversation, which demonstrates your unwillingness to engage in good faith efforts to resolve this matter. 
Violations of My Rights : Fair Credit Reporting Act ( FCRA ) : You are required to ensure the accuracy of the information reported to credit bureaus. Misreporting and failing to correct inaccuracies after being provided evidence constitutes a violation.

Fair Debt Collection Practices Act ( FDCPA ) : You must validate the debt properly, including providing documentation of any transfer to a collection agency, and you may not engage in deceptive practices. 
Right to Address Concerns : You have ignored my documented concerns and the proof I have provided regarding inaccuracies.
Product: Credit card or prepaid card

Discover Payment Protection service fees were added to my account without my consent. There is no evidence or record of me agreeing to this service that they have been charging to my account since XXXX. A total of {$890.00} of this specific Payment Protection fee has been collected by Discover from XXXX XXXX, XXXX to XXXX XXXX, XXXX. I called today ( XXXX/XXXX/XXXX ) at XXXX PST and spoke to a representative in XXXX XXXX XXXX XXXX UT who cancelled this service per my request, but she claimed I had signed up for Payment Protection but did not provide proof of enrollment.
Product: Mortgage

I am a homeowner in Massachusetts who has tried for over 2.5 year to work with my lender on both a modification and a short sale. There are serious issues with SLS on both accounts. There is NOW an AUCTION on my property on XXXX XXXX, this year. 

I was not given proper notice, the certified mail informing me of the sale did not arrive until after I spoke with my point of contact, who had informed me that there was still time to pursue a modification. 
The resolution process switched from a short sale to a modification. 
As of XXXX/XXXX/XXXX I was informed that there was no sale date scheduled. 
Although all documents are received by SLS and underwriting has started I am told that the date of sale leaves no time to evaluate my situation. 
SLS has been unable to contact me directly as the phone numbers on file were incorrect SLS has not had an up to date appraisal and is seriously overvaluing the property. 
- SLS has turned down XXXX qualified offers for a short sale I was never approved for the modification, so in XXXX of XXXX we decided to sell our family home. From XXXX of XXXX until XXXX of XXXX, we had submitted XXXX offers on our property from different buyers. In each case SLS REJECTED the offer saying it was too low. The highest offer was {$110000.00}. Our house is our family home, but needs work. The first counter we got from SLS was {$180000.00}. The next counter was {$150000.00}, and now in XXXX of XXXX I 'm being told the lowest they will accept is {$130000.00}. They are saying this last amount without having stepped foot inside this home since last XXXX. 
Where is the regulation on valuations? Why is it we can show proof our house can not fetch the value they want and they are allowed to force a homeowner to foreclosure? At what point over a period of almost two years does the lender realize the home value is not worth their required price? Why are n't we as homeowners allowed copies of their valuations? We are required to get an appraisal to get a loan, so why are n't we privy to valuations when they foreclose on our homes? If their valuation is being used in the determination to foreclose then I feel a citizen I have a right to that information and ANY information being used to make a determination to foreclose upon me. 
I have tried unsuccessfully for over two years to work with SLS, and before them XXXX XXXX XXXX. My loan was sold from HUD to some XXXX party investor, who has made it very difficult to sell. If my loan was still backed by HUD I would at least be given a copy of the appraisal, and they have clear guidelines as to what they will and wo n't accept for short sales. Since my loan has been sold, I have had no assistance with SLS. I will be forced into foreclosure, and I was never offered a Deed in Lieu, which is no better than the foreclosure, because there is no regulation on lenders over proper valuations. 


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

Hard pulls on my credit report after data breech and my info posted on XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

Equifax stated that all information was addressed and removed all accounts from my credit reporting that were in the complaint, but they did not. I placed a call to Equifax on XX/XX/XXXX and spoke to a manager because I seen on my credit report there were still there. After speaking to a manager she stated she was going to remove the additional accounts still showing inaccurate on my credit reporting including correcting my name, but nothing was fixed. The reference # for the correction is XXXX. I will be submitting another complaint for Equifax based on them not truthfully resolving the concerns in the first complaint. The following accounts below need to be removed IMMEDIATELY. 

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). I kindly request that you block this information from my credit report within XXXX business days, pursuant to section XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXf the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage which lead to identity theft and legally having to change my name. I would like for all listed accounts, names, public record and inquires to be blocked and delete company information of XXXX. Please delete the following accounts and names : Accounts : Creditor : ( 1 ) Dept of Ed Account : XXXX Balance : {$12000.00} Date : XX/XX/XXXX Creditor : ( 2 ) Dept of Ed Account : XXXX Balance : {$2100.00} Date : XX/XX/XXXX Creditor : ( 3 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 4 ) Dept of Ed Account : XXXX Balance : {$2000.00} Date : XX/XX/XXXX Creditor : ( 5 ) Dept of Ed Account : XXXX Balance : {$1800.00} Date : XX/XX/XXXX Creditor : ( 6 ) Dept of Ed Account : XXXX Balance : {$3700.00} Date : XX/XX/XXXX Name correction, Correct Name : XXXX XXXX. XXXX ( only name ) Remove Name : XXXX XXXX Address, Current address ( only ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Remove Address ( unknown ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax credit bureau is practicing Deceptive practices. I have provided three written requests to ask for six ( 6 ) different inquiries be removed from my credit report I DiD Not Authorize. Equifax CONTINUES TO REPORT THESE INQUIRES. I was affected by EQUIFAX data breach in XXXX as well as two other breaches. My credit file and personal information was compromised. I informed Equifax as recently as XX/XX/XXXX to remove the following Inquiries. One company ran my file 3 times on the same day. I did not authorize this. Also Equifax is lowering my score with each credit dispute. 
XXXX XXXX - Date of Inquiries : XX/XX/XXXX XXXX XXXX- Date of Inquiries : XX/XX/XXXX XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX XXXX XXXX  - Date of Inquiry : XX/XX/XXXX XXXX XXXX XXXX  XXXX Date of Inquiry : XX/XX/XXXX XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I spoke with a manager concerning my account and per our conservation there ae some inaccuracies with what they have reported and what is being shown. Please see the attached inaccuracies as opposed to what Equifax and XXXX  are reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I found a collection record on my credit report. It was reported by 'XXXX XXXX XXXX XXXX, and the Balance is {$56.00}. The Original Creditor is 'XXXX   XXXX XXXX XXXX XXXX '. 

After the communication with 'XXXX  XXXX XXXX XXXX, they told me that the bill was from XXXX XXXX XXXX They also showed me the billing statement from XXXX XXXX. That statement was for a home insurance policy ( XXXX ). 

However I never bought the home insurance from XXXX XXXX. I did ask about the home insurance of XXXX XXXX in XXXX on the phone, but I never agreed to buy it because it didn't fulfill the requirement of the mortgage lender. I never signed any contract/agreement with them to buy the home insurance. I don't have any homeowner insurance contract with XXXX XXXX at all! 

I filed a disputation with Equifax on XX/XX/XXXX. After a long time waiting, I received their investigation result on XX/XX/XXXX. The result is really disappointing, they said the collection account belongs to me! But Equfax didn't provide any evidence/document to show why did they thought this collection account belongs to me! 

I am very surprised with the investigation result from Equifax. I also filed the same disputation with XXXX and XXXX, both of them also made investigation and finally removed that collection record from my credit report. 

The collection information on my credit report has hurt my credit score severely. Equifax must remove that collection information from my credit report!
Product: Credit card or prepaid card

Hi CFPB, I mailed in my payment with remittance coupon for the accepted value of {$150.00}. I sent it via USPS Certified Mail with tracking number XXXX. It arrived on XX/XX/XXXX. The balance due on the statement has yet to reflect this payment as of XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Absolutely discusted with XXXX XXXX and the scam they are guilty of for incorrect auto loan payments and house loan payments among other scams they have been found guilty of in a class action lawsuit keeping my credit rating labeled as junk in the low 500 range for 4 years and costing me $ 1000s in interest rate charges required down payment etc..

I'd like help getting paid from the settlement as I've only received a shotty short apology letter for any inconveniences this has caused with no mention of payback