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

I have been a victim of identity Theft. My information has been exposed in the Equifax data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX XXXX XXXX XXXX ( property management ) and XXXX XXXX XXXX ( debt collection agency ) for their mishandling of my rental account, illegal eviction threats, mismanagement of rental assistance payments, and inaccurate credit reporting. Their actions have caused me financial hardship, housing instability, and emotional distress. 

I submitted my XXXX notice to vacate for XX/XX/XXXX, for Apartment XXXX, XXXX XXXX XXXX XXXX XXXX, CA. Despite this, the property manager illegally threatened eviction and forced me to vacate by XX/XX/XXXX, even though I had secured rental assistance through XXXX ( Sacramentos XXXX hardship rental assistance program ). Under XXXX protections, evictions were prohibited during this period, yet XXXX XXXX XXXX XXXX ignored this law and pressured me to leave early. 

Errors and Discrepancies : Rental assistance mismanagement : XXXX paid {$3900.00} for XXXX, XXXX, and XXXX rent, even though I did not live in the unit in XXXX. 
XXXX XXXX XXXX XXXX refunded XXXX {$2400.00} but still attempted to collect additional rent from me without adjusting my balance properly. 
My employer, The XXXX XXXX, issued a check for my XXXX rent, but the property XXXX lost it for a month, then harassed me about non-payment. 
Conflicting balances reported : XXXX letter : {$2200.00} Credit report XXXX TransUnion XXXX XXXX ) : {$2300.00} Resident portal ( previously ) : {$740.00} Resident portal ( updated XX/XX/XXXX ) : {$250.00} ( after multiple calls/emails ) Unjustified charges for damages : They now claim {$250.00} is for damages but have provided no timestamped photos, only an itemized bill. 
Without photographic proof, this charge is unverified and should not have been sent to collections. 
Due to these errors and unjust charges, my credit has been negatively impacted, making it difficult for me to secure stable housing. XXXX XXXX XXXX XXXX  lack of professionalism and poor communication have also caused me unnecessary financial and emotional stress.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX  credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX  XXXX Balance : {$11000.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX Balance : {$11000.00}
Product: Checking or savings account

I am not able to connect my external bank account to the savings account, i emailed credit karma support on XX/XX/XXXX and they replied back within minutes but they have not resolved my issue and now they wont reply back to any other emails I send. I have funds in this account and need access to it, Ive suggested they send me a check for my funds but Ive got no reply back, we are in the middle of a pandemic and thats all the money i have.
Product: Checking or savings account

Wells Fargo lost almost ten thousand dollars from XXXX of my daughters custodial accounts and my checking and savings, saying that I withdrew funds and even overdrew my account when I had proof that I wasnt in that location and could not have accessed the accounts in that way or timeframe. When I brought this to their attention, they rerouted my accounts to new accts numbers so I could no longer access the statements or see the status and withdraws then closed my accounts and refused to bank with me never admitting to or replacing the money as ut was insured and I filed a police report and can prove that there was in no way myself or anyone else associated to me accessing my accts which had never been negative or withdrawn from previously, only deposited to.
Product: Checking or savings account

I was trying to open an checking account with Wells Fargo I currently have no issues with them as of in now they sent me a rejection letter stating that I should check my credit report which I did and It has nothing on it that is suspicious on it that should raise a red flag on all of my reports I also check XXXX XXXX I have no bad checking accounts on file with them I had or any other banks. I had checking account with them in the past when I closed it was in great standing also as far as I'm concerned when applying for a checking account they should not be checking my report I did not volunteer that for that especially if it is checking account that is unethical business practices they can't even gave me a clear reason as in why my checking account application can't not be approved I also reported it to them as well and I have a case with them so I also wanted to file a case with you guys to I can get the case rolling please and thankyou
Product: Credit reporting, credit repair services, or other personal consumer reports

Veros Credit along with XXXX XXXX XXXX XXXX  The court ordered for my wages to be garnished for a total of {$6200.00} to be paid to Veros Credit LLC. 
They are represented by XXXX XXXX XXXXXXXX XXXX 
According to my findings, My employer paid out a total of {$6400.00} which XXXX XXXX XXXX XXXX  confirmed in the spread sheet that THEY sent me. 

That means my employer has paid out {$150.00} MORE than the court 's Final judgment.

On the spread sheet it clearly states that FOUR ( 4 ) payments were sent directly to Veros Credit LLC under payee name and payee address column.

And FIVE ( 5 ) payments were sent FOR Veros Credit to their Attorney 's office. Again, all listed in the spread sheet that THEY sent to me. 

I've attached the court document where the court specifically states the following : " Payments are to be sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX As of the XX/XX/2022 they garnished an additional {$460.00}. 
That equals a total garnishment amount of {$6800.00} and a new OVER PAYMENT amount of {$610.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing inaccurate/ wrong/ error information that is being reported on my TransUnion Credit Report. 

On XX/XX/2023, XXXX Responded to my complaint/ dispute that I submitted through CFPB portal for the same reasons. Upon completion of XXXX investigation into the matter, XXXX responded that they found that the accounts were inaccurate and or did not belong to me and had deleted several accounts and updated my personal information. 
I am asking TransUnion to do the same so that all three bureaus are reporting the same accurate and true information. 

I want TransUnion to take note of what XXXX has done upon completion of their investigation and I hope TranUnion can follow with updating my credit profile so it is reflecting true and accurate information. Currently it is WRONG. The information they are furnishing on my report is WRONG and is hurting my negatively. I have the right to have accurate and true information. I have the right to dispute inaccurate and wrong information. Again XXXX did a complete investigation and responded that they deleted the accounts I disputed and updated my personal info. Im asking TransUnion to do the same!
Product: Mortgage

EPM mortgages purposely sabotage my efforts to refinance my mortgage with another lender and due to the damage by EPM to my credit it has force me into applying for an request for 6 months forbearance.

In fact, since my respectful submission to EPM for their mortgage assistance on XX/XX/23, they purposely even delayed marking my application as completed until XX/XX/23, to provide their underwriter unusual extensive processing time. 

Also following my completed application EPM notify me by telephone that the processing time would take up to 30 - 45 days to complete for an answer by the underwriter! 

However, on today XX/XX/23, EPM 's repXXXX XXXX advised me that now it would be 60 or more days before EPM would complete my application for mortgage assistance!

It's evident that EPM are NOT in the business of providing any assistance to their customers but rather force customers into a foreclosure arena before assisting them. 



Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX Balance : {$3900.00} XXXX XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$700.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS WRONG AND 2 PREVIOUS ADDRESSES ARE WRONG
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing this complaint against TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ) requirements regarding the timely resolution of credit disputes. My dispute has not been resolved within the legally mandated 30-day timeframe, and TransUnion has engaged in stall tactics, further delaying the resolution process. 
Details of the Complaint : XXXX. Failure to Resolve My Dispute in 30 Days : o My original dispute was mailed to TransUnion on XX/XX/year>, with all required documentation, including identity verification documents. 
o A second dispute was sent on XX/XX/year>, after receiving no resolution or acknowledgment of the initial dispute. 
o XXXX XX/XX/year>, I filed a formal complaint with the CFPB to escalate the matter. 
As of today, well beyond the XXXX timeframe required under FCRA 611 ( a ) ( 1 ) ( A ), my dispute remains unresolved. 
XXXX. Request for Duplicate Identity Verification Documents : Despite providing all necessary identity verification documents with my original dispute and reiterating the same in my second dispute and CFPB complaint, TransUnion requested these documents again. These repeated requests are unnecessary, redundant, and appear to be deliberate stall tactics designed to delay the resolution of my dispute. 
Impact of TransUnion 's Actions : XXXX failure to act promptly and its repeated requests for documents I already submitted have caused undue stress and frustration. The inaccurate information on my credit report continues to harm my creditworthiness and financial standing, affecting my ability to access credit and other financial opportunities.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number:XXXX  Account Name : XXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name XXXX XXXX XXXX  Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I submitted my Public Service Loan Forgiveness application to MOHELA on XX/XX/XXXX. I waited patiently for the company to acknowledge receipt of my application, verify my ECFs, and transfer my loan from XXXX XXXX to MOHELA. I have never received communication from MOHELA directly notifying me of the status of my loan. MOHELA verified and accepted all of my ECFs on XX/XX/XXXX. 

On XX/XX/XXXX, XXXX XXXX notified me by email that the XXXX XXXX XXXX had approved transfer of my loan to XXXX, since XXXX XXXX was ceasing operations. I immediately called MOHELA and XXXX XXXX to check if I needed to do anything. Both groups let me know that I was still in the XXXX day period for MOHELA to transfer my loans to them and that all I should do is wait patiently. My loans transferred from XXXX XXXX to XXXX on XX/XX/XXXX. 

Once I was in the XXXX day period from my ECFs being accepted, I began to reach out to MOHELA. Representatives from MOHELA told me that they had sent a request to the XXXX XXXX XXXX to have my loans moved to MOHELA. On XX/XX/XXXX, I reached out to the XXXX XXXX XXXX to try to get more information. The Department of Education told me they had no information on my loans- other than that they were currently held by XXXX. They had no information/documentation of a transfer request. The XXXX XXXX XXXX told me to reach out to XXXX. I followed up with XXXX who told me they had no record of a request to move my loan from XXXX to MOHELA. On XX/XX/XXXX, I was advised to file a complaint on studentaid.gov and to reach out to MOHELA. I filed my complaint on XX/XX/XXXX. When I followed up with MOHELA I was told that they would put in a manual transfer request to move my loan from XXXX to MOHELA. 

On XX/XX/XXXX, XXXX followed up on my studentaid.gov complaint and informed me again that there was no documentation of a request for my loan to transfer from XXXX to MOHELA. I immediately called MOHELA on XX/XX/XXXX to insist on documentation of my transfer request. I was then informed that it will take an additional XXXX days once the request actually clears to get my information into MOHELA 's system. 

I am far beyond any reasonable timeline for processing my student loans and have no recourse or support to get things processed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Something is seriously amiss at Equifax. XXXX  and XXXX both have an accurate credit history on me. Equifax claims that I do not exist and sent a form letter to that effect. Equifax was sent a current copy of my XXXX credit report.
Product: Credit reporting or other personal consumer reports

I appreciate how you assisted in REMOVING a portion of the fraudulent data in my credit file, however, there are still accounts that should be deleted or blocked. FCRA section 605 requires you to destroy any records detected on an ID THEFT REPORT. This report was mentioned in a recent letter, so I'm including it again. I've notified my attorney of my plans, and they are eager to hold you accountable for your tenacious defiance. 
XXXX XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Credit card

My son is offering to help me with my credit card bills. He 'd be able to give me about {$3800.00} and I want to apply it to my care credit with Synchrony bank. However I first wanted to know if this could help pay it down to zero. He suggest I ask for help from Synchrony.
Product: Credit reporting or other personal consumer reports

Subject : Method of Verification Request under FCRA Section 611 ( 15 U.S.C. 1681i ) : Request for Reinvestigation of Verified/ Updated Accounts Under FCRA, Potential Defamation of Character Dear Experian Dispute Department, I am writing regarding disputed items on my credit report, which were previously addressed in a complaint filed with the Consumer Financial Protection Bureau ( CFPB ). As per my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I request that you reinvestigate the items listed below or immediately remove them from my credit report if verification can not be conclusively documented. 

Disputed Items : Account Name : XXXX XXXX XXXX Potentially negative months Account Number : XXXX Date of Account : XX/XX/XXXX Account Name : XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Number : XXXX Date of Account : XX/XX/XXXX Status : Account charged-off. {$5600.00} written off. {$5600.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Account Name : XXXX XXXX XXXX POTENTIALLY NEGATIVE Account Number : XXXX Account type : Charge card Date of Account : XX/XX/XXXX Status : Account charged off. {$540.00} written off. {$540.00} past due as of XX/XX/XXXX Status updated : XX/XX/XXXX Account Name : XXXX XXXX POTENTIALLY NEGATIVE Account Number : XXXX Account type : Revolving Date of Account : XX/XX/XXXX Status : Account charged off. {$1.00}, XXXX written off. {$1900.00} past due as of XX/XX/XXXX. 
Status updated : XX/XX/XXXX Method of Verification Under FCRA Section 611 ( a ) ( 7 ), I am entitled to a clear description of the procedure you used to verify the accuracy and completeness of the disputed information. Please provide : 1. The name, address, and phone number of the entity that provided the information. 
2. The exact steps taken during the reinvestigation process.

3. Copies of any documents or information used to verify the accuracy of each item. 
Compliance with the CFPB Complaint The items in question were part of my initial CFPB complaint against credit bureaus, including Experian. If you can not verify the accuracy and completeness of these items within 30 days, as stipulated by the FCRA, I request that you immediately delete them from the FICO report you maintain. These items have already been deleted for the reason of Identity theft and as evidenced by your correspondence. Updating or verifying these items on my credit report would be an adverse action committed by you on the basis of identity theft.
Product: Debt collection

Genesys-XXXX XXXXXXXX XXXX for XXXX calls multiple times per day ( up to nine times ) and sometimes less than five minutes apart. They call seven date per week and from fake numbers with many different area codes.I have a debt management plan thorough XXXX XXXX XXXX and they have been paying this debt since XXXX of XXXX  and the payments have all posted to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial Services is reporting a debt in my name to all Credit Bureaus. I do not and haver never had an account with Phoenix Financial Services. I have researched through my Secretary of State and Phoenix Financial Service is not even licensed to collect debt in the state of Louisiana which is the state I reside in.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX and XXXX of XXXX, I filed a dispute with the Equifax about the unverified account : XXXX collection account # XXXX {$150.00} and {$130.00}. In those 3 months I have asked numerous times for a response or to be shown that the account is even under investigation and I have not received anything in response from these bureaus in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of todayXXXX. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to me being a victim of identity theft .I have unauthorized accounts that appears on my credit report I request the above accounts to be delete and removed off my XXXX  , Transunion , and XXXX  credit report. Doing the trouble sometime of Covid 19 when acquiring funds to sustain everyday life is crucial, This unauthorized account has severely hindered me I am requesting that the above unauthorized account be removed immediately from my XXXX, XXXX, and Transunion credit report due to my identity been stolen.
Product: Mortgage

I 've been trying to get a loan modification, then short sale and havebeen denied numerous times by OCWEN even though I qualify for HEMPmodification based on all criteria. but I still get denied. I have a XXXX with OCWEN and aHome Equity Loan as a XXXX with XXXX. They are both interestonly loans. The market value of the house is about {$250000.00} andboth loans amount to approximately {$390000.00}. The house hasdeteriorated and needs costly repairs, including structural damage. 
I 'm a single mother with XXXX older children and XXXX in XXXX. 
I hold a XXXX with my employer and financialcrisis could put my job in jeopardy. Me and my children are at theirmercy for a short sale. I am left with not much options and it maycome to a foreclosure. I need any assistance I can get. thank you
Product: Debt collection

XX/XX/XXXX XXXX has been trying for sometime to collect from me a bill that has all ready been paid.. This has been going on since XX/XX/XXXX. XXXX and XXXX had this acct first and garnished my check and it was paid, case number XXXX XX/XX/XXXX XXXX district court, Its to XXXX my employer. it i.s setting in my credit report. for a while now. i have sent XXXX court paper and the other company that took care of it. and they still say i owe. i can not pay twice nor will I please help me XXXX XXXX XXXX XXXX XXXX XXXX Thank you
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT WAS CHARGED OFF ON THE FOLLOWING DATE XX/XX/year>, SINCE THEN THE ACCOUNT HAS REPEATEDLY BEEN UPDATED AS CHARGED OFF EVERY MONTH. THIS IS AN UPDATE IN THE PAYMENT HISTORY. A CHARGED OFF ACCOUNT SHOULD NOT INCLUDE AN ACTIVE PAYMENT HISTORY. THIS INACCURATE INFORMATION FALSELY MANIPULATES THE STATUTE OF LIMITATIONS. YOU FAILED TO INVESTIGATE THIS ACCOUNT PROPERLY AND YOUR NEGLECT HAS VIOLATED MY RIGHTS. I AM DEMANDING A DELETION OF THE FOLLOWING ACCOUNT : ACCOUNT NUMBER : XXXX XXXX XXXX XXXX  ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I have contacted WFBNA multiple times via phone and also by Certified mail XX/XX/2024 XX/XX/2024 XX/XX/2024 in regards to sending a registered mail certified copy of my 1099-C. For charge-off that's reporting on my consumer report, after multiple attempts I have yet to receive anything from this company, failure to provide the document needed has resulted in my taxes not being accurate which could lead to an audit, fines etc. ; this means WFBNA taxes are also inaccurate and should be justifiably audited by the IRS. if the debt hasn't been written off then this it's unfair deceptive practice collecting twice its FRAUD and I will sue statutory damages. Take further notice this company is also reporting duplicate accounts Acct # XXXX and Acct # XXXX open the same day month and year with the same balance but different account numbers which is another discrepancy due to the lack of detail and a inaccurate investigation with the credit bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  has made Inaccurate Information on my report, Per FCRA all information must me correctly as this is fraud and someone opened an account. I have tried to assessed this issued and nothing has been done. My lawyer will reach out and file the necessary suits for violations.