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

Credit reporting agencies do not seem to have integrityand unbiased practices. I was informedthat my file was suppressed because a collection company stated .... they did not think i was the consumer while disputing the fraudulent account that recently appeared on my file. In addition to release and or removing said suppression. The credit agency is asking for a copy of my social security card which is also an identifierthat was stolen. This is information has been reported to the police dept. and an affidavit is on file. If the information was stolen why would I give it freely to a credit agency who will then share it with the collection agencies to validate a fraudulentdebt. 
The credit agency has the ability to send out real time alerts for attemptsof new credit, however there are new alerts when a collection is attempting to place an account. It is already on your report and has done the damage to your score even when there is a police report on file. In addition, These credit companies are for profit and have the power to move with integrity. Instead they want you to pay a monthly fee to protect you and then offer a premium package that is supposed to assist. This is all a game and the AMERICAN PEOPLE DO NOT DESERVETHE GAMES when they have worked hard to have a good credit rating. WHAT IS CREDIT SUPPRESSION? 

These actions should not be allowed and these practices need to cease. 
Complaints will be filed with all the agencies below FTC CFPB DEPT OF JUSTICE ATTORNEY GENERALGOVERNOR OF TEXAS
Product: Credit reporting, credit repair services, or other personal consumer reports

I currently have a debt which is n't in my name and it is now adversely affecting my  credit score.  According to  XXXX   XXXX   XXXX   XXXX  collection agency, a man by the name of  XXXX   XXXX  owes {$140.00}. My name is not  XXXX   XXXX . I am not responsible for this debt because it is not mine. I explained this to them. Since then, my  credit score  has dropped drastically by over a  XXXX  points. I am currently in process of obtaining a mortgage loan. This can and will adversely limit what types of loans I qualify for, as well as increase the down payment amount required which puts a great deal of stress into the experience. I was told by this collection agency that in order to dispute this bill which is not in my name, I had to go through the individual credit bureaus. I have made multiple attempts to contact all three credit bureaus now and am getting no human interaction ; the system is generally automated. Please help me expedite this process so that I  may  have a fair and equal opportunity to purchase my first home, you 're my only hope ...
Product: Debt collection

Showing a student loan on my credit report that I did not take out.
Product: Credit card or prepaid card

I received notice electronically via ( secured message ) from Chase Bank of a rule change to my credit card ( I have two through Chase ) agreements. The new rule includes a binding arbitration agreement. The only way to opt out is by hand written letter mail. I did not read the notice in time to hand write a note and mail. I believe Chase purposely did not allow for an electronic way to opt out knowing that most people would not have the time to hand write a note, buy a stamp and mail via snail mail with no proof of delivery that Chase could also deny.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 13 Accounts on my credit report that do not belong to me I have disputed this with the bureaus and furnishers and I am getting nothing back. I am spending so much time on these accounts and they dont even belong to me I am trying to see why nothing is being done for this. 

XXXX/XXXX  - XXXX - Amt {$1600.00} XXXX  XXXX XXXX - XXXX  - Amt {$4300.00} XXXX  XXXX XXXX - XXXX  - Amt {$5800.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$4200.00} XXXX XXXX XXXX  XXXX XXXX - Acct # XXXX Amt {$2400.00} XXXX  XXXX XXXX XXXX - Acct # XXXX Amt {$10000.00} XXXX XXXX - Acct # XXXX Amt {$26000.00} XXXX XXXX  XXXX/XXXX  - Acct # XXXX Amt {$590.00} XXXX XXXX XXXX - Acct # XXXX Amt {$870.00} XXXX XXXX XXXX - Acct # XXXX Amt {$3000.00} XXXX XXXX XXXX - Acct # XXXX XXXX {$700.00} XXXX - ACCT # XXXX Amt {$3000.00} XXXX XXXX XXXX  - ACCT # XXXX AMT {$10000.00}
Product: Credit reporting or other personal consumer reports

For changing off or writing off the account no 1099 c sent for taxes IRS filing 15 USC 1681 XXXX  company still reporting on my account this is proofs of inaccuracies of this account.
Product: Credit reporting or other personal consumer reports

miuse of my credit report, information, Thirdparty sharing. Family Educational Rights and Privacy Act ( FERPA ) The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 'experiean and transunion and are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.the financial institution and the Consumer reporting agencies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent wether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.they Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title nelnet is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my 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 {$520.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$710.00} 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

in accordance with the Fair Credit Reporting see below has violated my rights. 
Acct XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Acct XXXX XXXX XXXXXXXX XXXX XXXX Card Acct XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX XXXX XXXX XXXX Acct XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. My credit report is still showing late payments on XXXX XXXX & XXXX XXXX XXXX XXXX XXXX accounts. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or customer service representative.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency 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 item from the 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 reseller. 

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

My current address is listed as my previous address and my last previous address is listed as my current address, despite updating my address with all credit card companies, utilities, and lenders to the best of my knowledge. Upon trying to file a dispute twice on XX/XX/XXXX, I received the error " We're experiencing technical difficulties and can not access your report at this time. ''
Product: Student loan

I am filing a complaint against Firstmark Services regarding the mishandling of my forbearance request, their incorrect reporting of my loans to the credit bureaus, and the lack of assistance and mistreatment I experienced when trying to resolve this issue. 

I have four private student loans with Firstmark Services that became overdue in XX/XX/XXXX. Toward the end of XX/XX/XXXX, I requested forbearance on these loans. After processing my request, Firstmark Services approved my forbearance on XX/XX/XXXX, and sent me written confirmation stating that my forbearance was approved through XX/XX/XXXX. 

On XX/XX/XXXX, Firstmark sent me another set of documents confirming that my forbearance was approved for all four loans. 

However, on XX/XX/XXXX, I received two conflicting letters : XXXX. One letter stated that my loans were 112 days past due and that my forbearance had been denied, citing that I had exhausted my available forbearance time. 
XXXX. The other letter thanked me for my forbearance request but stated that it was not approved, contradicting the prior XX/XX/XXXX and XX/XX/XXXX forbearance approval letters. 

Despite Firstmark Services approving my forbearance twice, they reported all four loans as past due to the credit bureaus, which has severely damaged my credit score.

Actions Taken : I contacted Firstmark Services to resolve this issue. However, I was met with dismissive and unhelpful responses, and I feel that I was mistreated throughout the process. The representatives I spoke with were unwilling to assist me in fixing the issue, and I was repeatedly told that there was nothing they could do and that it was my fault, despite clear evidence that my forbearance had been approved. 

I was also informed that my forbearance was denied because I had exhausted my available forbearance time, yet this was never communicated to me before approval. Instead of helping me, they reported my loans as delinquent, worsening my situation.

Impact : - The false credit reporting has damaged my credit score, affecting my ability to access financial resources.

- The mishandling of my forbearance request and poor customer service have caused significant emotional distress, especially due to my panic disorder. The lack of assistance and refusal to correct this error have exacerbated my condition. 

Thank you for your attention to this matter. I look forward to resolving this issue as soon as possible.
Product: Student loan

Direct Student Loans and XXXX XXXX XXXX XXXX XXXX ( XXXX  ) The purpose of message is to make a complaint against Navient. Navient has managed my school loans I took out since XXXX. The complaints are as follow : 1. I have been paying my loans for many years, now on an XXXX  plan, and I still owe 164 % of what I borrowed in student loans because Navients advice to go into forbearance. 
2. Due to Navients advice to choose forbearance, my loan balance and monthly payments grew due to interest capitalization causing more economic hardship 3. My private loans and federal loans were placed into forbearance starting in XXXX instead of offering an XXXX plan available during a time when I had difficulty making my student loans payments. 
4. Some of my XXXX loans were consolidated without my consent. As a result, they have now become private loans. 
5. Navient and other loan servicers did not provide accurate records of my progress toward forgiveness through XXXX plans and have not had a way to track my progress towards paying off my student loans. 
6. With the split of my loans to XXXX, inaccurate application of my payments have been made. 

Thank you
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for {$620.00} a collection account XXXX XXXXXXXX, and {$740.00} for account # XXXX. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by law and they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Student loan

I am currently making payments of {$20.00} per month under the XXXX XXXX XXXX XXXX. Starting next month in XXXX my payment will increase to $ XXXX {$200.00} per month an amount that I can not afford to pay being on a fixed income. I called Great Lakes on XX/XX/XXXX around XXXX XXXX to try and get some assistance on my payment. I was told that I do not have any options and that I have to try and make the payment once it changes. I feel that Great Lakes is doing nothing to help me when financially I will be struggling to make the payment starting next month in XXXX. On XX/XX/XXXX, I filled out and faxed over the XXXX XXXX XXXX so I can begin forbearance XX/XX/XXXX and end it XX/XX/XXXX. I would still like this request to be APPROVED so that I can figure out a plan to be financially ready to make higher payments based off what I can afford. I filed a complaint against Great Lakes before last year on XX/XX/XXXX complaint ID XXXX.
Product: Mortgage

DITECH FINANCIAL LLC applied my payments for XXXX and XXXX to an incorrect account. It took 3 months for us to get them to correct the issue and apply the payment to the correct account. Now it seems they have reported us as 30 days late for the XXXX payment with the credit reporting agencies.
Product: Checking or savings account

On the evening of XX/XX/XXXX about XXXX XXXX. I tried to open a savings account with my current bank of 8 months -- Bank of America. The account was approved and I XXXX from BOA of XXXX tried to transfer XXXX from my XXXX XXXX XXXX XXXX debit card. He informed me that the transaction would not go through because BOA doesn't like or take that type of card from that institution. I've never run into this type of problem with my XXXX XXXX debit card before. XXXX told me he would not be taking any money and for me to take that particular debit card into a BOA branch and take the {$400.00} off the card and deposit it into the new savings account ending in XXXX. 

What happened next is XXXX ( XXXX ) debited my card for the {$40000.00} and took it out of my account. The money is sitting in limbo. XXXX will not give it back with out BOA writing a letter with 7 specific identified like, transaction #, etc. I worked on this problem 8 hours today to reclaim the money. XXXX, BOA, Relationship Manager said " They Don't do that '' ... have a procedure for this mishap. He was rude and obnoxious and displayed that he didn't care, I am a XXXX ( I have been recently receiving urgent medical and I'm just worn out -- -I  did nothing wrong! ), minority, senior on Social Security. I have no more money for the rest of the month. I really need your help! Both banks need to be investigated for their abuse of clients and their money.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are still erroneous addresses on my credit report. 

15 U.S.C. 1681 4 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy.
Product: Debt collection

This unknown caller calls several times a day, and harasses me on the phone, and ask very personal questions. I need these calls to stop. The company is Midland Funding LLC account # XXXX for a credit card for XXXX. There contact phone # is XXXX.
Product: Credit card

I opened a BarclayCard on XXXX XXXX to help rebuild my credit, after not having credit cards for a decade. During the first few weeks I signed up to their online system, and waited to receive information about my first payment. I charged some school expenses and I was ready to pay off 30 % in the first month. I never received my due date in the documentation or online. 

Finally, after calling several times ; my first payment was to be due on XXXX XXXX. I logged onto the website, entered my bank details and made my first payment. I received an email confirming the payment. A week later, I received a letter, not an email, ( the day my payment was due ) that my payment did n't go through and I needed to make a payment. I rushed to the computer and phone, and managed to make a payment over the phone minutes before it was due. I called again to confirm it was received, which it was. I received a payment confirmation. 

About a week later I received another letter ( not an email, although I had been receiving advertising emails from them ) that my payment did n't go through. I immediately logged on and called. From the website it said my account was not active. The person on the phone took my bank details, made a payment and said everything was fine, and that my next due date was XXXX XXXX. 

The next day I received a letter from Barclaycard saying after reviewing my credit report and because of my delinquency ( I assume with my first payment ) that my account was cancelled and to destroy my cards. And just today I received an {$5.00} starbucks card in the mail as a thank you. 

This company has a faulty online system that confirms payments even though they do n't go through, and their communications are confusing if not illegal. If I receive an email stating my payment was received, should n't I also receive an email saying they were not able to process it? Instead of a letter, which in the second instance took 8 days to show up. One might assume they are purposely making the process confusing as to incur more penalty payments from consumers. Notwithstanding the entire time I was receiving promotional emails from them. 

p.s. each time my payment was made there was plenty of funds in the bank account. The first time might have been a routing number issues on my part ( I have XXXX routing numbers, XXXX for wires and XXXX for checks ). However, the second payment I made on the phone to a representative. Both were confirmed with confirmation numbers on the top of the letters I 'm attaching.