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

I HAVE NEW PROOF INCLUDED in this complaint. After XXXX disputes Experian continues to report inaccurate information on my credit report. From XXXX department of Ed XXXX for XXXX student loans. Instead of doing a thorough investigation, like I requested several times, to contact XXXX XXXX XXXX to verify the student loans were transferred XX/XX/year> from XXXX to XXXX, they refuse to do an investigation properly. Instead they just ask to verify the old information on my report, if it is accurate, from the last report date of XX/XX/year> from XXXX about the XXXX loans. XXXX stopped reporting in XX/XX/year> because the loans were took over by XXXX XXXX & it's so simple, in yet Experian will not remove these XXXX loans from XXXX from my report! & XXXX keeps saying yes, when they verify if this info. from the last reporting date of XX/XX/year> is accurate, because in XX/XX/year> it was accurate! BUT IT IS NOT ACCURATE NOW & HASNT BEEN FOR MONTHS! XXXX XXXX has it reporting correctly, SHOWING I ONLY HAVE XXXX LOANS NOW WITH XXXX XXXX & IN XX/XX/year> US DEPT OF ED APPROVED ME FOR THE FORGIVENESS PROGRAM & THE OLDEST LARGEST LOAN THAT STATES XXXX on Experian report, ( ORIGINALLY $ XXXX ) WAS PAID 100 % IN FULL! Experian is reporting XXXX loans open instead of just XXXX open, with only XXXX XXXX. Experian in showing XXXX loans still with XXXX open & XXXX with XXXX XXXX, open. Im so sick of these errors & lack of CONSIDERATION FOR MY LIFE!!! & XXXX IS REPORTING XXXX LOAN, From XXXX, for XXXX which was agin transferred to XXXX XXXX & paid fully! This loan should be removed like XXXX removed the other XXXX loans from XXXX. I uploaded proof that the XXXX loans were transferred & the largest loan was paid off 100 %! & By law Credit reporting agency are supposed to report only accurate info & investigate fully! I have uploaded proof of the loan transfer & the largest loan being paid full, on Experian website & XXXX XXXX Experian still hasn't removed these inaccurate accounts & XXXX still has removed this XXXX inaccurate account. I am now starting the paper work for a law suit against Experian XXXX XXXX if they do not remove in 7 days, they had months to correct these errors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged account is from an address I did not reside at in 2013. Also in accordance with Maine statutes, this account is too old for credit reporting, The account is being reported beyond the statutes.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX AND EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX/DEPT OF ED : XXXX -- -> : {$1800.00} XXXX/DEPT OF ED : XXXX -- -> : {$3300.00}
Product: Debt collection

I owe {$100.00} for my Amazon credit card. I have only missed one payment previously and all other payments have been made on time. I have received multiple calls per day ( anywhere from 2-4 a day ) since XX/XX/2021. I have three times now in that timeframe let them know that I have had financial hardships due to unemployment and my own business slowing to a stop due to inability to purchase shipping supplies for my product and recently gained employment. I have told them I should be able to pay it within the month with no specific date because financial hardships are making it difficult to do as such. Today ( XX/XX/2021 ) I was called three times before I answered and told them again they can not call me like this, it is considered harassment and I shall pay them before the month is over.
Product: Payday loan, title loan, or personal loan

This company is reporting inaccurate information to the credit bureaus in regards to this account they are not reporting factual data. If the same company is reporting the same information the credit bureaus then there should not be any inconsistencies in the reporting. This is a violation of the FDCPA and the FCRA. Attached is verification of what is being reported on my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was surprised to see and learn that I have been a victim of identity theft as, I have found numerous accounts on my credit report that I did not authorize and did not open ; this collection account needs to be removed, pursuant USC Title 15 1681 as soon as possible. I am writing to request an immediate federal intervention regarding unresolved identity theft on my credit report by : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Equifax Infromation Sevices LLC. Despite notifying them over XXXX  days ago and requesting an investigation as per the Fair Credit Reporting Act ( FCRA ), the fraudulent accounts remain on my report, unaddressed. This negligence violates my rights under FCRA and continues to inflict financial harm. I urge the CFPB and FEDERAL TRADE COMMISSION to ensure the removal of these accounts and uphold my consumer rights : XXXXDEPT OF ED, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Student loans totaling {$48000.00} 1st- high balance {$16000.00} 2nd- high balance {$13000.00} 3rd- high balance {$10000.00} 4th- high balance {$7700.00} 5th- high balance {$8000.00}.

I have submit request to the credit bureau to items removed or some sort of action be taken otherwise. Request were submitted through credit bureaus.

These loans were granted during the time at her educational institution ( approximate time of acceptance until XXXX  )
Product: Debt collection

A medical company I am a client of XXXX XXXX has claimed for some time that XXXX owe them money, but can never say what for. So because I continued to challenge them on the issue, they sent their " alleged : debt to a company called State Collections. They started calling me. The first call was a live person, who demanded to know all my personal information. When I refused, she said that I would be sued if I did not pay the debt. I told her she would have to send a letter stating who they were, who they were collecting for, and how much the alleged debt is for. So far they refused, and since I did not handle this over the phone they placed it on my credit. Now I receive " robo calls '' from State Collections daily. No person on the other end, just a message that they are debt collectors. I am trying to get this removed from my credit, and I have complained to the local XXXX about XXXX XXXX. State Collections have called before XXXX and after XXXX on several occasions, XXXX time being called as early as XXXX and as late as XXXX. I need these people to follow the law, and at the very least, send a letter stating their purpose so I can respond. Calling them back does not result in any communication either. You sit on hold forever.
Product: Debt collection

MRS BPO LLC- is reporting to my credit reports and I have tried contacting them with no response to my inquiry on this unknown fraudulent debt.
Product: Debt collection

Portfolio recovery posted a lawsuit on the door to a shared home without any type of covering and without even knocking on the door. The lawsuit had all details visible for anyone to see. People began questioning me about this and it has cause undue stress and harm to my relationships and it violates FCRA laws and is harmful to me and my family.
Product: Credit card

Take a look at the attached documents. I urge the bureau to commence an investigation into these accounts, as I have consistently been on time, contrary to their reported late status.
Product: Credit reporting, credit repair services, or other personal consumer reports

You have been stubborn with the requests to remove the negativities from the accounts that are reporting erroneous information on my Credit File and you have been neglecting your responsibilities with the Fair Credit Reporting Act. I am submitting this CFPB complaint once more to request to you to remove the disputed erroneous accounts corrected as soon as possible. Also, you have been failing to send me copies of proof of verification from your supposed investigation. Did you really conducted any investigation at all? Now, I am submitting this last and final CFPB complaint to request to you to correct the disputed accounts from my Credit File as soon as possible. Here is the list of accounts that you should have corrected at the begining : XXXX XXXXXXXX Balance : {$0.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$6700.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF EDUCATIONXXXX XXXX Balance : {$5100.00} DEPT OF XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1500.00} XXXX  XXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3300.00} XXXX XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Consumer Loan

Admittedly, I am behind on my payments. I called to try to discuss what could be done and I was berated and chastised by the manager for not paying my bills. Told me how he just " did n't understand '' me not paying. After I quit taking his calls, because he was so incredibly rude. He began calling me at work. I asked him personally at least four times not to call at work because I could get into trouble for personal calls. I asked XXXX other employees at his branch not to call me at work. I was told I signed paperwork that allowed them to do just that. A work colleague answered the phone and told the branch manager I was unavailable, he said to her, " I know you are XXXX ( that 's me ) and what if I just show up at your work? '' She hung up on him. He called another time and the assistant manager answered and told him I had been fired just to try to stop the harassing phone calls. He then said to her, " I know this is you XXXX. I will just show up at your house now. '' I took a written letter by the branch to withdraw all consent to call my at work. That very day their manager called from a blocked number. My boss had to resort to calling his district manager to stop the work phone calls. They have not called the store since that day. But his words and actions have made me incredibly uncomfortable, scared, and downright angry.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  This account was deleted form my credit file on XXXX XXXX do to reporting inaccurate information. Now you are in violation of 15 U.S Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) .This item was deleted and reinserted without notifying me 5 business days after and certifying that the items was validated properly. I demand this account be deleted from my credit file or I will seek litigation. Violations According to the CFPB : 15 U.S. Code 1681i ( 5 ) ( B ) ( ii ) ( iii ) : ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. 
( iii ) Additional information As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion 15 U.S. Code 1692c ( a ) : ( a ) Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt I enclosed attachments providing proof that this inaccurate account was deleted on XXXX XXXX. So as you see my rights are being violated in so many ways according to the Consumer Financial Protection Bureau ( CFPB ), by this inaccurate account being deleted and then reinserted back on my credit file. This is causing tremendous stress and preventing me from getting new job opportunities to better my family life which is not fair.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX department XXXX XXXX XXXX MN XXXX XXXX Cell phone Acct # XXXX Charge off {$1300.00} Connect date, Delinquency XX/XX/XXXX Date reported XX/XX/XXXX The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer 's credit history. ... The law is intended to protect consumers from misinformation being used against them. 

On Sunday, XX/XX/XXXX, at approximately XXXX XXXX., original creditor, XXXX XXXX has admitted its violation of the Fair Credit Reporting Practices Act, that it sold debt, acct : # XXXX, to collection agency, Jefferson Capital Systems LLC, and XXXX XXXX continues to report this affirmation on my credit report and that a balance owed. 

This violation has been reported to the CFPB and XXXX
Product: Checking or savings account

On XX/XX/2021, I go to visit my online banking at my Bank of America app only to see that my account has been frozen and is pending closure. I immediately call Bank of America & get a representative on the phone who informed me that Bank of America has made a business decision to close my account and to part ways. I accept the fact that for whatever reason ; Bank of America wants to close my account & I proceed about asking on how I can withdraw my funds that are in my account. I have a total of {$8800.00} in my checking account. The representative says that my account is under investigation and is pending closure and that the only way I can get my money is when they fully close my account & send me a check in the mail. This is unacceptable. It is now XX/XX/XXXX and I do not have access to the only money I once had available to me ; therefore I can not purchase food to feed myself, I can not purchase additional food to feed my children, pay for my sons day care & survive in general. Bank of America is playing with my legally earned money that I have worked oh so hard for and is holding my money until Bank of America feels like sending me a cashiers check of my hard earned money. I have had this account for three years and I do not believe I have not once violated any rules and regulations. For Bank of America to freeze my account and hold onto my funds especially during times like this when the country is going through a pandemic ; this to me is unethical & inhumane. All I ask Bank of America to do is to release my funds to me that I am entitled rightfully entitled to - It has been almost one week and I do not have access to my money and I do not know how much longer me and my family will be able to survive like this. At this point we are at the mercy of the almighty Bank Of America where it seems as if they can do whatever they please with your livelihood with no regard to the consequences their clients have to face in the real world during a world crisis.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian : calling the toll-free number to initiate credit freeze. Simply demands information be mailed to a XXXX XXXX in XXXX Texas. Experian is blocking consumer 's ability to effectively freeze their credit access.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, i sent a letter to Transunion for reporting inaccurate information on my account, i received a letter on XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting method of verification, received a letter dated XXXX/XXXX/XXXX stating that it was verified. On XXXX/XXXX/XXXX, i sent a letter requesting for the method of verification, i received a letter dated XXXX/XXXX/XXXX stating verified as accurate. They failed to provide me with the method of verification twice, and failed to provide a response within the 15 day time frame. I have also contacted the company and has not received any response from them.
Product: Debt collection

Despite 5 or more written request, this debt collector business has failed to verify correctly items listed in my credit report and still remain. Under the FCRA, they need to have a copy of the original creditor 's documentation to verify the information is mine and is correct. They have not provided a copy of ANY original documentation, a consumer contract with my signature on it as required under SECTION 609 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 1 ) ( A ). They continue to violate my right to know their method of verification as required under section ( a ) ( 7 ) of FCRA. Under Section 611 ( 5 ) ( A ) of the FCRA- you are required to promptly DELETE all information which can not be verified. The Law is very clear as to the Civil liability and the remedy available to me ( Section 616 and 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. ***As per FTC opinion letter from Attorney XXXX XXXX XXXX  , you should be aware that a printout of a bill or itemized document does not constitute verification. *** This debt collecting company has violated The Fair Debt Collection Practices Act, including but not limited to Section 807-8 and Section 623-b.

They claim I owe {$1600.00}.

I have proof of certified mail as I maintained careful communication and they continue to be non-compliance of Federal laws under The Fair Debt Collection Practices Act, The Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that this debt collecting business is liable for willful non-compliance.
Product: Credit reporting or other personal consumer reports

Syncbank has reported for several years that I have a credit card with them. I do not. In fact I have never even heard of Syncbank in any capacity other than this erroneous report on my credit history.

I have disputed this account several times over the years and have never received a response about my disputes from any of the bureaus.

Recently I contacted Syncbank and offered to pay the disputed amount on the condition that they would contact the credit bureaus and correct my history by acknowledging that the account is not mine and that I never owed them anything. While they didn't explicitly refuse, they did refuse to discuss the matter with me and disconnected the call.
Product: Debt collection

On XX/XX/XXXX medical Data systems reported four different collections to XXXX I made contact with them on the XXXX of XX/XX/XXXX with a female named XXXX at extension XXXX. She stated she would be mailing out my statements. On XX/XX/XXXX I made contact with XXXX she stated nine letters were mailed out on XX/XX/XXXX. Monday XX/XX/XXXX made contact with XXXX she also stated that they had been mailed out and I should be receiving them. Today is XX/XX/XXXX I still have not received anything they will not resend it unless the mail is returned to them. Each representative that I spoke with has refused to mail me my mail or my bills that was sent to XXXX they were very rude they would not even email it to me or fax it. I have disputed with the collections twice they're still stating they are unpaid. I have all spoke with others that I didn't get their names and they made the same comment that I had to wait for it to come in I don't see where mail would take 4 weeks to receive and why can't they send another copy. The collections is from XX/XX/XXXX XXXX {$2600.00} with medical center XXXX  the second one is delinquent of XX/XX/XXXX {$1400.00} from medical center XXXX  the third is delinquent of XX/XX/XXXX of {$1000.00} medical center XXXX  the 4th is delinquent from XX/XX/XXXX {$97.00} medical center XXXX  and when I spoke with one of the representatives they said they had multiple from XXXX of {$200.00} that I have no clue about. This was all due to having covid and at that time I had lost my daddy and I had no job.
Product: Credit reporting or other personal consumer reports

Upon receiving my criminal review sterling was asking my employer to consider XXXX  from XXXX  years ago when I was XXXX and Im almost XXXX XXXX XXXX in the state of Illinois our Government passed a law that anything thats over XXXX years isnt used against us its illegal to do so this company refuses to follow our laws see laws and its XXXX years for XXXX
Product: Credit card or prepaid card

I purchased an airline ticket, I tried to cancel the ticket in advance before the trip. The airline at first refused, then said i could get a refund through their " refund process ''. After months, they denied my request through their refund process even though I was led to believe I would get a refund. I filed a dispute with my credit card issuer, but they refuse to find in my favor. No one ever used the ticket in question.
Product: Mortgage

I purchased a home in XX/XX/XXXX in Georgia. My family fell upon some hardships which impacted our income so we applied for a modification. I was able to use a 3rd party attorney and get a {$85000.00} principal balance reduction. One month later, XXXX XXXX XXXX sold my mortgage to BSI Financial Services who then told me I needed to do another modification as they welcomed me with a raised mortgage and changed terms under which I had already signed with XXXX. They notified me that my payments would not be accepted and returned and now they have a sale date of XXXX/XXXX/XXXX set on my home. I went through XXXX representatives that did not follow up or process paperwork submitted in a timely manner but yet sent me letters about modifications being denied because of missing paperwork. I have expressed complaint and concern via phone and email. I have requested a Qualified Written Statement and Validation Letter twice which did not address my concerns. I am not happy about this unfair shark and predatory practice to take my home without properly notifying me by letter of a foreclosure sale date and changing terms of mortgage after they purchased it. BSI Financial and I have no written or verbal agreement on terms. I want to keep my home but want fair practices and lending to be enforced. It is not my intent to defame or tarnish the character of this company but wrong is wrong and to put a GA XXXX, wife and mother of XXXX young children out on the streets is a violation under the unethical practices they have displayed. The company has called my home and cell phone despite my letters to them to contact me in writing. These are infrigements. I have recorded conversations ( authorized under GA law ) of representatives of the company admitting to seeing where I have submitted paperwork and they had dropped the ball weeks later by not processing it and wanting me to resubmit to correct the wrongs they have made. I WANT MY HOME and desire for BSI FINancial to make this right for me and my family. We have lived in this home for 10 years. It was our first one and where many memories have been made but for the greed of a dollar and ask me to think of an " exit strategy '' 4 days prior to a sale date is inhumane. I want my home and desire to remain in it if BSI is willing to correct its wrong and practice fair lending. They can submit to me in writing how they would like to repair these damages and them changing the terms of the mortgage after purchasing it ( no good business )!