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

I called Experian after I purchased a credit report from XXXX on XX/XX/2022. After receiving a copy of my report, I saw these UNVERIFIABLE account on my personal profile, I noticed that there was Accounts : XXXXXXXX XXXX XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : XXXX and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking this account is inadvertently resulting in me being extorted.
Product: Debt collection

They do not send validation or mark the account as a dispute. I attach the XXXX  report where it does not appear that it is being disputed. I request that your office provide me with proof of the debt it claimed it had, and that it is reporting on my credit. I have the right to claim and you are obliged to provide me with the relevant documentation in the event that you continue with your collection activities.
Product: Student loan

the whole loan is the problem, i have been paying on this loan for 11yrs for a {$4000.00} loan, was in forbearance one time for about 3 months.i have contacted them and can get nowhere with this, i do n't know where else to go with this. but between all the disbursement fees, loan fees, late fees ect ... i still owe {$4300.00} how is this even possible! i even show late fees on here before money was even disbursed??? and i have no way to track these fees. also this money was suppose to go toward my school supplies and because my FASFA did not come in on time they put this money towards school fee 's, which resulted in my having to quit because i could n't get my supplies. they told me that they could disburse the money how ever they seen fit. so i only attended for one quarter.
Product: Credit reporting or other personal consumer reports

Ive noticed that several deviations from mandatory reporting standards therefore the data in my report can not be accurate and complete! With that said, I deny your allegations and I challenge you to provide proof that you have the right to report this incomplete negative information on my credit report. Per 15 U.S.C 1681e Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 12 CFR Part 1022 ( Regulation V ) requires furnishers to : Furnish information concerning accounts or other relationships with a consumer that has integrity. 
Furnish information about accounts or other relationships with an accurate consumer. 
C - Conduct reasonable investigations of consumer disputes According to XXXX, to make a lawful report, you must follow the Metro 2 compliance standards. 
Also as stated in the XXXX Any Deviation From These Standards Jeopardizes The Integrity of The Data. This means that any mistakes in reporting claims can make the information less accurate and it affects the accuracy of any federally regulated reports. 
Therefore, I am invoking my rights to challenge these inaccurate and non-compliant items. Neglecting my demand will only prove that you DO NOT care about my rights as a consumer. Its NOT FAIR for you to report information that isnt confirmed to be ethical and meets the standards of certified reporting. Again, I am challenging these claims and asking for proof of the proper reporting standards. 
You are violating my rights! I have listed the concerns about your reporting in this document. It's not complete and does not meet my standards according to law, you must certify all aspects of required FCRA/ Metro 2 compliance which is done truthfully, correctly ( promptly ), completely AND accurately as well - or else I would have to escalate these issues to the CFPB XXXX FTC and my Attorney General. 

Summary of Accounts being Challenged in list form : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

AMCOL System, Inc. violated Fair Debt Collection Practices Act [ 15 USC 1692f ] A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. 

AMCOL System, Inc. violated the Fair Debt Collection Practices Act specifically section : 807. False or misleading representations [ 15 USC 1692e ] A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 2 ) the false representation of - ( A ) the character, amount, or legal status of any debt. ( 8 ) False or misleading representations. Communicating or threatening to communicate to any person credit information which is known or which should be known to be false. ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. 

AMCOL System, Inc. violated the North Carolina Collection Agency Act section 58 70 110 ( 4 ) Falsely representing the character, extent, or amount of a debt against a consumer. 
AMCOL System, Inc. violated the Fair Credit Reporting Act 1681s-2 ( b ), A person shall not furnish false information to consumer reporting agency. 

AMCOL System , Inc. reported to consumer reporting bureaus inaccurate information such as but not limited the alleged collection account date of delinquency ; therefore, resulting in inaccurate reporting periods, etc. 

AMCOL System , Inc. 's violations of the Fair Debt Collection Practices Act, North Carolina Collection Agency Act, and Fair Credit Reporting Act are documented as follows : Exhibit A : Written correspondence dated XX/XX/XXXX which I sent to AMCOL Systems , Inc. requesting validation, etc. ; sent via Certified U.S. Postal Mail. 

Exhibit B : Correspondence dated XX/XX/XXXX from AMCOL Systems , Inc. addressed to me in response to Exhibit A. 

Exhibit C : AMCOL Systems , Inc. credit reporting entry on my consumer credit report. Said credit reporting entry of AMCOL Systems , Inc. clearly stated a false Date of XXXX Delinquency : XXXX of an alleged debt, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX 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 act XXXX Accounts # XXXX NCB Management Services, has violated my rights. 

In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX XXXX, has violated my rights. 


In accordance with the fair credit reporting act XXXX  Accounts # XXXX XXXX XXXX, has violated my rights. 1. 15 U S. C 1681 section 602 A states I have the right to privacy 15 US. C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

In XX/XX/XXXX I experienced a sudden loss of income. I had several credit cards and was struggling to support my children. My debt went into collection and I currently have most paid. I had one however that was an HSBC account that went into a place that was never documented but I paid a company that said they had acquired the debt. That was called XXXX XXXX and my bank account was debited XXXX dollars a month starting in XX/XX/XXXX. The last one being XX/XX/XXXX. Now it seems to not exist and after receiving odd phone calls from another company and making many on my own, I believe XXXX XXXX XXXX has that loan and has had it all along. I have been paying, it seems, to a fraudulent company. XXXX XXXX XXXX has been disrespectful, rude, demeaning, but more importantly not forth coming with documentation. I would love to pay my debt but with the proper process and until I receive that I would like to alert you to this company 's practices and have some solid answers before proceeding.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I went to XXXX XXXX XXXX store for a new pair of guitar picks. At check out, the employee suggested a financing option for a guitar I tested out and explicitly said there would be " no hard inquiry but rather a soft pull '' to check if I qualify. 
XXXX. was found when I did a review of credit account and immediately contacted synchrony bank who then suggested I contact XXXX XXXX and now the company is sold off so no more stores or customer service line to reach. 
I have tried dialogue with synchrony bank and have lacked understanding of the situation and now here we are. 
I hope that writing this brings forth resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX and I am a XXXX XXXX owner. Over the years I have had a hard time keeping my personal credit score stable. ( XXXX ) I pay most of my personal and XXXX  bills on time and in most cases early, which I have proof of. My problem with XXXX and the other credit reporting companies and credit card companies is that they DO NOT separate XXXX XXXX  credit/history with the XXXX XXXX XXXX  personal credit. For example : I have five XXXX credit cards and those XXXX use those cards on a daily basis. As the company issued credit line begins to be used this begins to heavily impact my credit score thus causing it to fluctuate literally weekly. I would understand if this was a new account but we have been with the credit card company for years. Here is the problem. If the credit card company solicited my XXXX and issued the XXXX  multiple credit cards but reports the credit usage to my personal credit report then why doesn't XXXX and the others have a XXXX  credit report section/division? I am willing to bet this is not an isolated thing and that many of us XXXX XXXX owner 's are having the same problem. Because of this ongoing issue, I have had a hard time getting loans to buy a house and automobiles. I understand the " personal guarantor '' purpose the XXXX XXXX must sign to have ultimate responsibility for the credit card usage but that does not absolve the company from being responsible as well and only reiterates the aforementioned. Separation of XXXX and Personal I feel this is something that has class action written all over it and am ready to retain an attorney to start the process. By the way, when I used and occasionally still do, my business XXXX XXXX card for over XXXX XXXX dollars annually my credit problems did not exist. Now that vendors do not want to take XXXX I have been forced to switch to others. Another issue I have found is that it seems reporting to the credit bureaus by the credit card companies is optional and at their discretion. Or in other words : " pay on time and we could care less, pay late and we will report you ''. The only reason I would think they would do that is to warn others ( credit card companies ) not to issue credit to or " black list '' you. I would expect it is the CFPB 's job to ensure the credit playing field is played equally and fairly by both the consumer 's side and the credit card/credit bureaus side . 

Please let me know if you can help before this gets really expensive for me. Thanks again for your time.
Product: Student loan

Loan services representative spoke with me today XX/XX/22. Advised me that I have until XX/XX/22 to pay full amount of student loan in the amount of {$19000.00}. They advised me if not paid in full that they will submit my loan to their attorney to garnish my wages and sue me for the full amount. I feel this is an unreasonable amount of time to make this amount of money to be paided back in six months or less. This is the only option Navient student loan services is offering me to make payment arrangements. They have made it extremely difficult for me in the past to make payments and still are trying to make things hard for me now. I told them XXXX XXXX XXXX on XX/XX/22 thru XX/XX/22 and before that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They are unreasonable and have unfair financial practices they never try to work with me at all. I asked them for written documents of repayment options they advised me that they could not give it to me at all.
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 NUMBER:XXXX ) as 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 XXXX  XXXX Account Number : XXXX
Product: Credit card

XX/XX/XXXX I received a balance transfer offer via email. 

XX/XX/XXXX I contacted Elan Financial Services/US Bank to proactive obtain information on how to proceed with a balance transfer as I'd never done one before. 

I was told to go to the Elan Financial Services/US Bank website , login and choose " request balance transfer '' from the drop down menu and enter the information on the amount transferring and the financial institution where the balance transfer would be sent. I was told that the funds would be sent and received by the other financial institution within 14 days. 

XX/XX/XXXX I initiated the balance transfer on the website, per the instructions received on XX/XX/XXXX. My balance transfer was flagged for further verification and I was instructed to call Elan Financial Services/US Bank . I called Elan Financial Services/US Bank , was verified and was told that the balance transfer was complete and to expect an email with written confirmation the following day, Monday XX/XX/XXXX. 

XX/XX/XXXX No confirmation was received. 

XX/XX/XXXX I attempted to login to my account online and it was locked. I was directed to call an XXXX number for verification. I called and was verified. I also asked if the payment would be received by my other bank by XX/XX/XXXX because of the delays on Elan Financial Services/US Bank 's end. I was told that they could no longer guarantee that they would receive payment by XX/XX/XXXX. 

I then told Elan Financial Services/US Bank that I wanted to cancel the balance transfer. Elan Financial Services/US Bank refused to cancel it. I repeatedly begged for a supervisor. Elan Financial Services/US Bank refused to put me in touch with one.

So, Elan Financial Services/US Bank doesn't honor timelines provided by their representatives. Repeatedly flags me for fraud even though I answer all questions correctly, login from the same place every time and there is no fraudulent activity on my account. And their fraud investigations delay every interaction. 

THEY REFUSED TO CANCEL THE BALANCE TRANSFER. I DO NOT WANT TO MOVE FORWARD WITH THE BALANCE TRANSFER AFTER ALL OF THIS. BUT NOW THEY REFUSE TO CANCEL THE BALANCE TRANSFER WHILE REFUSING TO SEND PAYMENT TO THE OTHER BANK BY XX/XX/XXXX. 

I have no documents to attach because everything transpired on the phone because of all of their fraud holds. The only thing I have is a confirmation number : XXXX Balance transfers are predatory. The representatives engage in misinformation and mental abuse. Please make these illegal. I can't imagine what they do to desperate people who are deep in debt.
Product: Checking or savings account

A new card was to be mailed and the next day the Citi bank mobile app kicked me out. I have been unable to access anything including the savings funds I have and desperate need for my house purchase. I cant activate my card associated with the XXXX account. I cant login or change my password because I dont have the new card number. I dont have my bank account number memorized to provide them. Costumer service literally says yeah we cant do anything for you. My new card as delivered ( XX/XX/year> ) but I dont have it. Anytime I call no one is any help at all. They say my security words dont match which I dont understand in the slightest. Even providing literally all other information they cant provide a new account number over the phone till the card arrives so I stuck.
Product: Credit reporting, credit repair services, or other personal consumer reports

After recently reviewing my credit report I noticed several inconsistencies regarding account XXXX in the payment history section. In my XXXX all three bureaus reported late payments in the month of XX/XX/XXXX and XX/XX/XXXX. In my XXXX credit report XXXX  and XXXX reported late payments in XXXX and XXXX of XXXX, while XXXX  reported three late payments in XXXX, XXXX, and XXXX of XXXX. As of XX/XX/XXXX, all three credit bureaus report late payments in XXXX and XXXX of XXXX. There are also several inconsistencies regarding account XXXX in the payment history section. XXXX  is reporting late payments in the month of XX/XX/XXXX, XXXX in the month of XX/XX/XXXX, and XXXX  in the months of XXXX, XXXX, and XXXX of XXXX. All of these reports can not be accurate and I have submitted several disputes with all credit bureaus over the last 2 years only for them not to thoroughly investigate and see what I see and correct theses errors and I would like for them to be deleted immediately.
Product: Credit card

One day after payment due date, rhe incessant collection calls begin ; home, cell and work, starting XXXX through XXXX, Monday through Sunday, robocall after robocall. I am currently 10 days late on my regular payment and I must have received 50 or more calls, with voicemails.
Product: Student loan

I took a student loan from Wells Fargo Bank for the amount of {$9000.00} dollars but I ended payment almost {$20000.00} dollars. The Wells Fargo constantly charged me late fee although, I paid electronically a week previously the due date. I wrote them several letter regarding this late fee but, I was ignored completely. Every year the amount of interest that I paid was between {$78000.00}, dollars, {$630.00}, {$480.00} {$450.00}, {$470.00} {$400.00}. My last paying for the loan Was {$5900.00} which I paid in full but, according to them the interest that I paid was {$290.00}. Furthermore I paid on interest {$990.00} and {$1000.00}, How it can be possible when all the interest paid was over {$3000.00}, I was unable to prepare my tax due to this scam. Wells Fargo is constantly, stealing from the customers the staff in the bank are very dishonest. I just on the rights amount that I paid in interest to be clear because I want to prepared my taxes.
Product: Mortgage

I went through a divorce where I was awarded the home through separation agreement and the final divorce decree. Ocwen mortgage directed me straight down a path of ruin, I was told by OCWEN I could streamline my mortgage through modification and remove my former wifes name. I made the three trial payments only to be told the assumption was not possible. I have been through the ringer with Ocwen, they are going to have it there way. I had a direct conversation with the customer service department where I specifically asked " IS THIS THE RIGHT WAY TO GO ABOUT GETTING MY FORMER WIFE OFF THE NOTE : the answer was : YES!!!! 


Ocwen had the separation and final divorce decree before starting the modification process, the recording proving what Ive said is being held by Ocwen stating, recorded calls are for quality only but offered me a letter of apology. 

My 3 trial payments were sent to old due dates, I'm not sure they were even behind, now I have to reinstate my loan with a large payment amount only because they directed me down this path, hide information and change the rules to benefit them I've written to XXXX XXXX and his office is opening up communication with Ocwen to get to the truth I fear foreclosure here
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I learned that an address I did not enter or authorize was on my Experian credit report. 

XX/XX/2024 XXXX informed me of fraudulent activity. Closed account and issued a new card. 
XX/XX/2024 I learned an Experian online membership account was created. Not authorized by me. 
XX/XX/2024 Credit monitoring system informed me of hard inquiry on my XXXX. Not authorized by me. 
XX/XX/2024 I learned a phone number was added to my XXXX credit report. Not authorized by me. 
XX/XX/2024 Credit monitory system informed me of hard inquiry on my Experian. Not authorized by me. 
XXXX XXXX XXXX  emailed & text that I applied for multiple accounts. Not authorized by me. 
XX/XX/2024 XXXX called if I applied for a XXXX XXXX credit. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX XXXX informed me of application for loan. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me. 
XX/XX/2024 XXXX XXXX emailed that my usernames were retrieved. Not authorized by me.