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

I have reviewed experian reply as to complaint filed. Still experian has failed per he FRCA and privacy law breach act to furnish any documents bearing my signature of stated public record of bankruptcy on my report. Experian states that they have verified accurate of any bankruptcy with public record and or vendor. Experian still has not let my compliant supplier me with information or written documents advising who and what vendor has given them information. I still continu me to still suffer from financial stress of experian neglect behavior and operating out of the law and cause deformation of credit ability to me. Lastly, I am still requesting that any and all accounts showing bankruptcy and public record of bankruptcy be removed from my report due failure of supply me with written documentation of such. Just because experian is staying that they verified such public with data vendor does not comply with stated original compliant and the FCRA. If not removed I will move forward with civil law suit for neglect actions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is reporting a collection to my credit with a balance that was paid off in XX/XX/2016. There is no reason this should still be reporting a balance and I would like it removed off of my credit report immediately.
Product: Mortgage

The company XXXX XXXX sent me a letter stating that they will no longer be collecting funds for escrow to pay for hazard insurance. I received the letter on XX/XX/2018 and called them the same day. While I was speaking to them I asked if standard home owners insurance is considered hazard insurance. The person I spoke with stated yes it is. I asked the representative is insurance that covers floods would still be paid through escrow and the representative stated yes it would be. As of XX/XX/2018 they have sent me a check for some of the funds from the escrow account.
Product: Debt collection

After reviewing my credit report I notice there was a debt that I was not familiar with. I mailed a certified letter to company asking to validate the debt because I have not previously been notified of any debts from this company. I have yet to receive a response.
Product: Credit reporting or other personal consumer reports

To whom it may concern, Ive been trying to resolve this issue for a very long time, the Equifax credit reporting agency has been poorly updating my credit information. Ive submitted a dispute with CFPB and it has been resolved in XXXX and XXXX but not with Equifax. I currently have been negatively been impacted by having negative information added to my credit report without my consent. I never have consented to having information about my banking details to be sent from company to company. The FCRA act protects my rights as an American citizen.
Product: Checking or savings account

I am the claimant of my deceased brothers count at BoA. He passed away two years ago. Since that time I have been working with Bank of America to close his accounts out and return those funds to his estate. In that time I have filled out paperwork with them, had it notarized, returned it to them per their instructions. I have made multiple phone calls trying to understand what is required of me to close my brothers account. I continue to get the runaround and the bank continues to hold on to my brothers funds. When I use their website, I receive warning issues saying the site functionality is unavailable. When I speak to them on the phone, and follow up again via phone, I am told there are no records of our previous conversations. I believe that Bank of America is taking advantage of me given that I am over sixty-five by employing deliberately ambiguous and abusive practices. They are certainly unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was not aware of any action taken towards me I made my payment for service on that day. I was not aware of any balance I immediately went to the XXXX to resolve this issue. Please me in clearing this up as this my be having an effect on my credit report as I am attempting to secure a place to live.
Product: Checking or savings account

On XX/XX/2021 okay we got scammed for {$150.00} from a person who was supposedly renting in home through XXXX  we found out this person is a scammer we send them {$150.00} for application fee he accepted the money when I got to speak to him to ask him that I need it paperwork to send it to the section XXXX so they could finish the process he asked me for {$1400.00} which at that moment I told him that I was not able to send him any more money until I get paperwork he hung up the phone on me that's when I knew something was wrong I reported it immediately I tried calling him back the phone was disconnected then my son tried calling him he picked up and he also tried to scam my son not knowing that that was my son he tried to also offer the same house and try for my son to send {$150.00} also I have all the information and I have proof and documentation of us trying to ask the man to give us our money back and he's declining to send our money back I reported it to the FTC and now I'm reporting it to you guys I reported it to Chase and Chase does not want to give our money back can someone please help us we need our money back I am going to the police department to make a police report also my phone number is XXXX my email is XXXX XXXX
Product: Student loan

I have researched and backtracked my loans from XX/XX/XXXX to present. Between XX/XX/XXXX-XX/XX/XXXX I was having a hard time making payments at the amount suggested by XXXX XXXX and Navient. I had a job that was not paying much but I made an effort to be able to pay a certain percentage of my loan. Instead I was told by the service that I had forbearance that I could use to where I did n't have to pay at the time. I do not have any recollection about any one explaining that my loans would still gain interest during these times. I was setup to use all my forbearance and would later, which is now, suffer trying to pay a XXXX/month student loan payment on a XXXX XXXX salary. With all my forbearance unavailable by the time I was XXXX I missed over 100 payments due to hardship. Those missed payments could have been used towards The Public Service Forgiveness Program. Keeping me in forbearance for such along time gained Interest for the Company. Once forbearance was over I started to receive numerous calls from Navient about my outstanding loans. I was also told that my payment would be spread throughout all my loans but that has not happened which some loans have gained not received payments, therefore posted a late payment on my Credit.
Product: Credit reporting or other personal consumer reports

I have requested the removal of these inaccurate accounts. Additionally, my mental well-being is being adversely affected by this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeated asked the credit report agencies- XXXX, Transunion, and XXXX - to remove The Office of The Attorney General from my credit reports. My report shows there is an active case with the State of Texas and the Attorney Generals Office for child support and this is not true. There is no case. Further, one of my credit reports shows two cases, which is not true. 

Please help getting this removed from my credit reports. 

Thank you!
Product: Debt collection

I called the collection agency and was told I have a debt for lumbar back problem for going to the hospital they gave me the date of me being on XXXX XXXX covered under XXXX XXXX XXXX XXXX which pays 100 % and I never went to a hospital in XXXX about a back. Problem during these dates
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to lodge a formal complaint regarding Mariner Finances failure to provide me with a Form 1099-C after charging off a debt. I believe their actions are in violation of tax reporting regulations and are causing confusion and uncertainty for me as a consumer. I had a financial obligation with Mariner Finance that was eventually charged off. Despite the debt being charged off, I have not received a Form 1099-C from Mariner Finance , which is i believe to be required by the Internal Revenue Service ( IRS ) for reporting cancelled debt as income. I kindly request that the Consumer Financial Protection Bureau investigate my complaint against Mariner Finance for their failure to provide the required Form 1099-C. I believe that their actions are not only an inconvenience, but also a potential violation of consumer protection regulations. 
Your attention to this issue and your assistance in resolving it would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681. 

XXXX, XXXX and Experian is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give XXXX written permission to furnish these accounts. 

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

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Accounts : 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 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 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 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: Credit reporting or other personal consumer reports

I XXXX XXXX consumer who is a victim of identity theft. XXXX, XXXX and Equifax has used and furnished my consumer report without my authorization consent or written instruction. My information was shared to non public personal information without my consent and also used that information to furnish. Congress makes it clear that the consumer has a right to privacy which XXXX, XXXX and Equifax has violated my federal protected right to privacy by failing to meet the needs of congress by ensuring that they exercise their responsibility with respect to the confidentiality of my personal information. The Fair Credit Reporting Act was intended to insure that consumer reporting agencies exercise their responsibility with fairness, and respect to the consumer right to privacy! Under the Gramm Leach Bliley Act of 1999. I enclosed all documents social, ID, and statement.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$0.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Sallie Mae - They call and leave a message while I 'm at work I can not pick up, call right back and leave another message, all day long. Last I heard More than XXXX calls is considered stalking, is there anything that can be done? I do n't mind a call a day, but this is complete harassment. I am getting a message almost every hour during the day, if not more.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 To the Whom It May Concern : Reaching out for your assistance with this consumer. I'm working to improve my credit and that I have sent a letter to validate the account. They are trying to collect, but I am not familiar with this account and do not know its origin. Despite the validation process, they continue to attempt to collect this account, disregarding my request for validation. l need your assistance to resolve this account as it is hindering my credit improvement efforts. 
I have downloaded the proof of my attempt to validate the account, sending a copy of the letter, the stub with the date when they received it and the copy of their letter. Attached is also a copy of my ID to prove that I am the person who is submitting the letter. Thanks for your assistance in advance.
Product: Debt collection

XXXX XXXX. demands payment for my ex-fiances charges on an account I didnt open or XXXX told them this repeatedly. Now, Midland Credit Management XXXX has the debt and wont stop their relentless calls.
Product: Mortgage

I am a XXXX Veteran with a rating of 100 % and I live in Florida. Freedom Mortgage is my current mortgage company. In the month of XXXX, around about or close to the date of XX/XX/XXXX of 2020, I contacted Freedom Mortgage. I contacted Freedom Mortgage requesting to do a Streamline Refi, due to mortgage interest rates dropping. My current interest rate is 3.25 % .The Loan Officer assigned to my account and who took my information is XXXX XXXX XXXX XXXX XXXX Well after provider Mr. XXXX took all the requested and needed information over the phone, I received as verbal approval with an interest of 2.50 %. 
While providing the need information to the loan officer assigned to work with me, Mr. XXXX, I explained that I was tax exempted due too my XXXX rating of 100 %. And due too my XXXX rating of 100 %, I am tax exempt within the state of Florida as added benefit. Once I received a copy of the Loan Disclosure information, the first thing I noticed is that interest is higher than quoted over the phone. The rate quoted was 2.50 % and instead the documents reflect 2.75 %. As I continued reviewing the documents, the next thing I noticed is errors throughout the loan paperwork which included tax errors, the cost of the balance of my home errors and the final loan calculation amount is higher that the original loan which has the monthly payment is higher. 
I immediately called Freedom Mortgage, attempting to get in contact with the Loan office but he ignored my calls and repeated emails, in my attempt to address the errors. So I called the main line and explained the situation to intake person, whom ended up transferring my call to another department. As I was speaking with some from the another department I pointing out the huge errors in number, which appeared to me as something to obvious as if intentional. The person on the phone agreed that the mistakes where huge. He then expressed that he doesn't see how this was added in and missed but that they would correct the errors and get me new documents. Later learned that this gentleman worked in the Loan Expedition Department. Well nothing ever came of and from the Loan Expedition Department except broken promises.

Unsatisfied on how this is going I called back to Freedom Mortgage complaining of the situation and this time I was given the name of the Loan Officer Supervisor. The loan officer supervisor last name is XXXX, Ms. XXXX, I am unable to recall her first name. Well I spoke with Ms. XXXX at least three ( 3 ) times and she made promise that she never delivered on. 
This Loan has been stuck in the process for greater than 50 days. And along the way other errors was discovered like a past due Escrow Analysis, Escrow Overage. I feel as if errors have been done in my previous with Streamline Refi with Freedom  Mortgage whereas I was over charged for loans. Also I feel as if they are purposely refusing to give me the lowest interest possible to me as consumer so that they can make more on commission as well more interest paid to the Freedom Mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get these fraudulent transactions removed from my credit report for over 2 years. I have put countless disputes and nothing has happened. I have not received any response or help or proof regarding why these accounts are still on my report. besides the late payments. the FED STudent loan has accounts on my credit report that have been closed with XXXX balances and they still refuse to remove them. 

This letter is to inform you that my rights have been violated and you have unlawfully reported LATE payments. There are transactions and experiences being reported as LATE on my consumer report and with knowledge of my rights as a consumer in accordance with FCRA : 15 U.S. Code 1681a. This letter will serve as formal notice. 15 U.S. Code 1681a - Definitions ; rules of construction | U.S Code | US Law LII / Legal Information Institute ( cornell.edu ) 15 U.S. Code 1681s -2 Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 15 USC 1681a 2 ( A ) ( i ) - Exclusions - Except as provided in paragraph ( 3 ), the term consumer report does not include - ( A ) subject to section 1681s - 3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Late payments are considered TRANSACTIONS and utilization is considered an EXPERIENCE, so I am confused as to why you are reporting late payments from ( XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( FED LOAN SERV XXXX XXXX ( XXXX XXXX XXXX ) ( XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) when such an action is a clear violation of my consumer rights in accordance with the FCRA ACT! 

As a Consumer Reporting Agency, you hold a responsibility to report Consumer information to the best of your ability with XXXX XXXX. That is your duty and as a consumer, I am protected under the FCRA ACT 15 U.S. Code 1681. If you feel that said protection is not mines to have as a consumer, I will REQUIRE that you provide me with PROOF of an investigation into the accuracy of said late payments and statements showing that these payments were late. If proof can't be provided, I demand these payments be updated to Paid on Time and NEVER late! Or remove it from my consumer report all together.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
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: Money transfer, virtual currency, or money service

On XX/XX/2019, I purchased a Money Order and mailed said Money order to my Pay-to addressee, Trustee Office-XXXX. Almost 10 days later, I received the Money Order back in the mail. However, the Trustee 's office had marked up or altered the Money Order, leaving it un-cashable. Upon attempting 11 time to Western Union, all 11 Western Union reps, could not communicate nor speak in a manner i could understand. The last 5 calls, I attempted to speak with a Supervisor and was forwarded to a line that just rang, never reaching a person or voice mail. I then attempted email and call to company complaints division and received an email from a XXXX XXXX, claiming to want more info. I emailed all 6 documents and attempted to contact Mr. XXXX, via the phone number he has attached to his email. The number was not valid? I also attempted the phone number given for Corporate offices ... XXXX. This number is also not in service? Claims to be a New Jersey? The Corporate number location states, XXXX Colorado? I hold a {$930.00} money order I can not cash or get a refund!