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

I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. These fraudulent items should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Experian is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotional, physical & financially... and I would truly not what to pursue a legal remedy... I'd like the account below deleted from my file ASAP : XXXXXXXX XXXX, XXXX ( Original Creditor : XXXX  ) XXXX
Product: Debt collection

I recently found that there are several inaccurate items on my credit report that dont belong to me. I do not have a record doing business with these companies. I have documented all correspondence with your company. Please remove these inaccurate items immediately, as you know they are in violation of the Fair Credit Reporting Act. 

SECURITY CREDIT SERVICES FRAUD AMOUNT {$22000.00} ACCT # XXXX SECURITY CREDIT SERVICES FRAUD AMOUNT {$22000.00} XXXX  # XXXX This debt is also a violation of the Fair Debt Collection Practice Act In the state of Florida, a Consumer Collection Agency License is required for agencies which collect consumer debt owed or due to another person.i have sent documentation from the XXXX XXXX XXXX which shows they are violating the law by trying to collect on a debt and they are not licensed in the State of Florida.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX SSN XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX RE : Method Of Verication Dear Transunion, RE : I am requesting the Method of Verication for the following item : Bankruptcy XXXX XXXX XXXX XXXX This is in accordance with the Fair Credit Reporting Act 611 ( a ) ( 7 ). This is NOT a DISPUTE! Again I AM NOT DISPUTING THIS ITEM! This is rather a request for a Method of Verication where the following items should be provided to ensure the validity of the item ( s ). Please provide the following items : identify item ( s ) by the name of source, such as creditor or tax court, and identify type of item, such as credit account, judgment, etc.

1. The name of court representative you spoke with 2. The court address and telephone number 3. The persons name they veried the dispute with 4. The documentation used to verify the dispute I am anticipating a timely response to my request. If you are unable to respond in a timely manner and provide the above items, please Delete the account ( s ) from my credit report to prevent further damage. 

Thank you, XXXX XXXX
Product: Mortgage

I have set up autopay numerous times, the payments do not pull. I get behind on payments without even knowing. they have all of my bank account information and I have agreed to when they would pull out the money. It has to be on time and when I agreed or else I do not have the funds set up properly.
Product: Debt collection

I have XXXX credit protection through XXXX because my information was compromised through their breach. ( I assume. They've never directly admitted it, just offered me the service. ) There are now two sets of collection notices on XXXX and XXXX from Amsher and XXXX XXXX XXXX. I am not behind in any of my debts. In both instances I never received notice from any firm that I owed them money prior to them placing this collection notice on my report. I was not aware of any debt owed before this. I have disputed these debts in writing with the collection agency and in the instance of Amsher also with XXXX XXXX who Amsher was collecting for. 

I don't think these companies and their collection agencies should be able to phish for me by placing this notice on my credit report prior to giving me actual notice of a debt. I never even received a bill from XXXX XXXX prior to being notified that this collection notice was placed against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Experian 4 times on the morning of XX/XX/2021. Before I even have the chance to explain anything I am sent to another department that is all self-automated and does not allow me to request to have disputes removed. 

Each time, I ask to speak with the department that REMOVES Credit Disputes. For some reason, my student loans are reporting in Dispute ( which i am not disputing them, i am actually making payments XXXX On the XXXX call at XXXX XXXX XXXX XXXX, the woman who answered the phone refused to connect me to someone. When I asked why, she said " disconnecting phone call now '' and then hung up the phone. 

I am a mortgage broker that helps clients with credit as well. When I see examples of how Experian handles these situations with myself, it makes sense that so many consumers are severely damaged by the lack of empathy, professionalism, and honesty that they receive. 

As the CFPB you have a responsibility to hold them accountable, the longer you wait, the more you are hurting our American consumers. 

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

After reviewing my credit report and investigating correspondence from Transunion debit collectors and account handlers, it has come to my attention that I have fraudulent account that do not belong to me and student loans that have names listed that are not my legal name that are reporting on my credit.
Product: Debt collection

XXXX XXXX XXXX being represented by Bleecker, Brodey and Andrews provided a written settlement agreement for debt owed. I signed the agreement and paid the settlement amount. However, Bleeker, Brodey, and Andrews began garnishing my wages, although we made a settlement agreement of payment in full. An agent of the company spoke with my attorney and misrepresented himself as an attorney. He stated that I would be reimbursed for the wage garnishments. However, I have not received any type of reimbursement, and my wages are continuing to be garnished. Bleecker, Brodey and Andrews will not speak with me or my attorney about this matter and continue to garnish my wages even though we had a settlement agreement.
Product: Mortgage

Fay servicing has escrowed this account. They have been either late or failed to make payments on the Property Insurance and taxes repeatedly over the last few years. 

Further, they have refused to remove escrow from the loan despite not making these payments. 

Recently, this resulted in a lapse on my homeowners insurance subjecting my family and I to substantial liability. If we had lost our home during that time to a disaster, we would have been on the hook for a mortgage and homeless. 

I had to buy a separate policy out of my own pocket to cover the house. Despite this, I continue to have to make escrow payments on an account where the escrow money is not being paid out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted this complaint to update this suspicious information. Equifax and XXXX Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against it. 
XXXX  CARD XXXX Owed : {$15000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here is the list of accounts/items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, MA XXXX XXXX XXXX XXXX : {$14000.00} XXXX XXXX XXXX XXXX Balance : {$13000.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX ) XXXX Balance : {$19000.00} XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EXPERIAN XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from the identity theft, not later than 4 business days after the date of receipt.
Product: Credit card or prepaid card

I paid my credit card off XX/XX/2021 the company BB AND T BANK did not post it to my account and reported that it was 30 days late on payment, I showed them and sent a copy of the receipt where it was paid off I would like this removed from my account
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 4 collection accounts from years ago that keeping being reported as current. they are either duplicates, old or paid as agreed but now show as recent collections. I ca n't get help from the creditors/collection agencies. I was referred to you to submit a complain for Clarity Services. I need help and ca n't get any funds. This separate database has totally ruined my life and chance of rebuilding for me and my XXXX kids. I was forced to leave a XXXX XXXX marriage and was told i would have help and protection against discrimination, etc. Where is my protection now? 9 years of working so hard to feed my kids and trying to clean up everything. my joint bad credit finally is off my records and now what do i do. Today XX/XX/17, I was denied a small loan by XXXX XXXX, XXXX XXXX, and XXXX XXXX and more in the past few weeks. These companies charged thousands to borrow {$500.00} and that is also why this company is hurting my life. For all single mothers that get out of XXXX XXXX, it is not easy and no one is there to help. you have to beg and search and see if you are lucky to find resources. I lost my home last year and could n't rent a decent place because of this. Please help me take any negative credit off my record under Clarity and then they need to report to the 3 bureaus. XXXX, XXXX, XXXX. please help me on this. Clarity Services, Inc. XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint to Experian was the result of their non-compliance to my request and for their refusal of getting the accounts, listed below, to be removed from my credit reports. They neither removed nor responded to my request which I believed to be against the Federal Credit Reporting Act 's rules. Thus, I am sending this complaint to seek help and assistance to help me block the concerned accounts for they were found erroneous and unauthorized. 
XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Equifax announced that the data of 143 million Americans had been stolen. They have indicated that my data is likely included in this breach. ( https :  //www.equifaxsecurity2017.com/ ) The negligence here is astounding. Now, both time and money will be taken from me as I set up security freezes with the 3 major credit reporting companies in order to protect my financial future.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : 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

I sent a copy of the letter to TransUnion with items to disputes on letter that's attached on XX/XX/2021. No items was removed, no information from TransUnion was received to me. It's been over 30 days. My complaints was to have inaccurate reporting information on my credit removed. The inaccurate and obsolete accounts and unauthorized inquiries were not removed as they should have been.
Product: Checking or savings account

Monday i walked to Wells Fargo to get a copy of estatements because of my account closing or not closeing but i dont have online access and when i got to the bank i gave them my reference number witch is a old Saveing Account i never knew i had come to find out I have a list of account numbers i would like Statements on. Only thing i found out it was somehow lost or stolen money that was there i dont know exactly what that means. I left a message to my Case worker with Wells Fargo but has not contacted me since beginning of XXXX when my account got closed. When i did open the Wells Fargo Account in Alaska i was Asked if i ever had a account in California and if i amitted at the time they could not help me.
Product: Debt collection

This is in reference to complaint number XXXX-XXXX against XXXX XXXX XXXX, XXXX. They reatained a law firm Rausch Sturm to represent them. See all attached documents and the company 's response to the complaint number listed above and a letter from the plantiffs stating that there is a XXXX  balance on the account. The firm is stating that I am XXXX XXXX XXXX XXXX After being provided legal documentation proving my identity they still claim I am XXXX XXXX XXXX XXXX XXXX Even XXXX says that isn't me. Attached also is a document from XXXX County showing that there is a scheduled hearing on XX/XX/2019 in this case. Why am I having to attend a hearing of a debt not owed?
Product: Money transfer, virtual currency, or money service

We filled a previous claim with the CFPB in regards to Bank of America not standing behind and following Regulation E outlined by the CFPB. Our initial claim was filed on XX/XX/2021, Claim # XXXX. 
Bank of America continues to avoid looking at this claim as anything other than just reaching out to the fraudulent bank rather than addressing their obligation to consumers that are suppose to be protected by Regulation E of the Consumer Financial Protection Bureau. Equally disappointing is the lack of inquiry from CFPB itself. 
CFPB was created to protect consumers and neither Bank of America or CFPB are standing behind these protections. 
At a time in this country where some banks are standing behind their fraud protections for customers, Bank of America continues to disappoint us with their lack of response and concern to consumers. 
We have not heard from Bank of America in weeks and it is unacceptable.
Product: Debt collection

Financial Asset Management Systems sent the attached letter to the payroll department of my employer. The letter included information regarding intent to garnish my wages, and the amount of the debt FAMS is seeking to collect. They allege the debt results from a defaulted student loan, but all of my student loans were consolidated and are in good standing. I have no defaults on any loan of any type on my credit history. 

FAMS has never made contact with me about this debt, the only contact I 've ever had with them is via the impermissible letter they sent my employer. The letter has caused me significant embarrassment and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two cards with XXXX XXXX XXXX One ending in XXXX has a {$1400.00} limit. The other ending in XXXX has a {$400.00} limit. 

None of these show on my credit report.
Product: Credit reporting

I am working with a credit consultant to better my credit and we have not received a credit report from Equifax. I have been doing everything I need to as far as getting my credit caught up. Just not sure why Equifax ca n't do their part. As far as I know my credit consultant has made many attempts to get this report from them. Thank you for your time!
Product: Student loan

I attended the XXXX XXXX from XXXX. The school and their parent company was fined by the federal government for fraudulent practices and the accreditation of the program was revoked even though I received my degree. Any student holding federal loans has been given discharge of these loans due to their predatory lending practices and misleading recruitng for job placement. I have previously applied for the XXXX XXXX XXXX XXXX and have had my federal loans forgiven for this school due to the evidence submitted. All Federal loans for this school have also been forgiven regardless of application status for XXXX XXXX XXXX XXXX by the Department of Education as of XX/XX/XXXX. 

When I attended this school I had just turned XXXX and was in the most vulnerable population of students. I had moved across the country and was initially provided with grants to fund my tuition due to my XXXX XXXX XXXX XXXX XXXX One month into attending this school while maintaining a high XXXX I was called into the head student loan servicer office and told my grants were being revoked because they were only for new students. I was forced to apply for private loans with my parents before being able to apply for federal loans. I had given so much and planned for so long to attend this school. I made a decision under high pressure with little awareness for the long term consequences. 

Students like myself should not be left out of loan forgiveness for private loans from this fraudulent lender. 

I have paid my loans faithfully since XXXX and I owe more on my loans than the original principal still after 16 years. 

Navient is about to transfer all of it's private loans to a federal loan servicer XXXX by the end of XXXX. Any money I continue to pay on this loan will never be refunded to me. My degree has no accreditation. I demand this population is considered for relief from these fraudulent, high interest student loans. 

Thank you XXXX XXXX XXXX
Product: Credit card or prepaid card

My JPMorgan Chase credit card bill was due on XX/XX/2022. 
The amount of this bill was approximately {$350.00}. 
I paid this bill on XX/XX/2022 using direct deposit XXXX XXXX out of my XXXX XXXX checking account. 
I have written Proof-of-Payment that the above amount was withdrawn out of my XXXX checking account on XX/XX/2022. 

For XXXX straight days post XX/XX/2022, JPMorgan Chase kept claiming that it did not receive any payment from me. They charged me a late fee of {$28.00} and a transaction penalty fee worth approximately {$10.00}. This error from Chase 's side damaged my XXXX credit score. 

I have voice confirmation from XXXX XXXX representatives claiming that there was a problem with the Chase 's XXXX XXXX receipt system. 

This problem is now resolved, and Chase has reimbursed the fees that it had charged me, but the damage to my credit score still persists. 

I would like to complain that Chase 's technical problem with its XXXX XXXX system caused an impactful and irreversible damage to my credit score. Why should my credit score be damaged by a mistake that I had no part in playing?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX 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. 

I am not liable for this debt with XXXX XXXXXXXX XXXX XXXX. I do not have a contract with XXXX XXXX XXXX, they did not provide me with the original contract as I requested.
Product: Student loan

the care act of XXXX went into effect XX/XX/XXXX. i have not been contacted by fedloan servicing about the freeze on payments, but only received my regular bills. i have now paid my past 2 months of payments and believe they should be refunded! i have a lot of debt and if i could have paid another bill with that , it would have made my life less stressful than it already is!!!! and they also have all of my PSLF records a whack : (
Product: Credit reporting or other personal consumer reports

Greetings, On XX/XX/2023, I called XXXX XXXX ( XXXX XXXX ) informing them that I would be making an in store payment on XX/XX/2023. This past Saturday XX/XX/2023 I made a payment in store to XXXX XXXX bringing my account current. 

On XX/XX/2023 XXXX XXXX ( XXXX XXXX ) erroneously and illegally reported a XXXX late on my credit file. I have never been late and also called to inform that I would be making the payment and did just that. 


When I called XXXX XXXX ( XXXX XXXX ) just today XX/XX/2023 I informed them of all of the above and asked them why they erroneously and illegally reported this late. The representative XXXX became very rude and irate and refused to remove the 30 day late and even mentioned that I had a late fee that I was not aware of. I had good credit and this has drastically effected my credit rating cause great emotional distress. 



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

The account is showing on my consumer report as a charge-off. It is illegal to furnish income on a consumer report. A charge-off according to the IRS is income, and you must file a 1099-C. As it stands, I have not received a copy of this form. Remove this information from my consumer report immediately. My rights as a consumer are protected under Title 15 Chapter 41. 15 USC 1601 highlights the consumers informed use of credit. At the time that I entered this alleged consumer credit transaction, I was uninformed and did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your companys lack of full disclosure.