23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I checked my credit report with XXXX and saw an item from SUNRISE CREDIT SERVICE has flagged your account as Collections. I never opened nor had an account with SUNRISE CREDIT or any of their associated products I called today asking to speak with a supervisor and got disconnected on
Product: Mortgage

On XX/XX/XXXX, I sent an email inquiring about a letter I had received indicating the escrow portion of my mortgage payment needed to be increased nearly {$200.00} a month starting immediately with the XX/XX/XXXX due date ( to {$1600.00} ), or that I needed to pay roughly {$1500.00} to bring it " current ''. My calculations, based on their website, showed that I did not need to increase my payment more than a one-time {$200.00} payment. After that, I would be positive in my escrow account untilXX/XX/XXXX I did not receive a response to that email, and in the meantime, my bill pay from my bank automatically made my regularly scheduled payment ( {$1400.00} ). I called the office on XX/XX/XXXX, after seeing that the payment was applied as principle only, to inquire about my escrow analysis, and the person I spoke to could not assist with any more than what was in the letter I'd received. To just get the issue resolved, I indicated that I would be making an additional payment of {$180.00} to allot for the entire payment amount due ( which, again, changed with less than a month 's notice ). The representative claimed to have opened a ticket to have the principle only payments combined and converted to a regular monthly payment. Several days later, on XX/XX/XXXX, I received a letter dated XX/XX/XXXX ( yes, dated XX/XX/XXXX, received XX/XX/XXXX ) that my homeowner 's insurance had been cancelled, and they would be force-placing their insurance if I didn't resolve the payment. My homeowner 's insurance had not been cancelled yet, according my providers website, but what I did see is that the payment had been due on XX/XX/XXXX. If the payment is due XX/XX/XXXX, there is 0 % chance my insurance had been cancelled on XX/XX/XXXX, the date of the letter from LoanCare claiming it had. In addition, the money for the payment was sitting, in full, in my escrow account, and payment could have been made up to 2 months prior. According to LoanCare 's  records, they mailed the check on XX/XX/XXXX ( yes, mailed on XX/XX/XXXX, a day AFTER they printed a letter saying my insurance was cancelled ), but according my insurance company, they didn't receive it until XX/XX/XXXX. Either way, the insurance was never cancelled, and if it had been, it certainly would not have been my fault. I phoned their customer service on XX/XX/XXXX, and was assured the letter was incorrect, and my insurance coverage was current. I then inquired again, about having the principle only payment converted to a regular monthly payment. Again, a ticket was opened, and again, nothing was actually completed. Last week, on XX/XX/XXXX, I phone again about the payment conversion, and was told that the previous 2 agents didnt open the ticket appropriately or get approval from a manager so it would be worked. This agent claimed to do so, yet as of XX/XX/XXXX, while I write this complaint, the payment is still not updated.
Product: Student loan

Hello, my name is XXXX XXXX. 
I was using a third party vendor called XXXX XXXX XXXX, to be on loan forgiveness. I called them in XX/XX/XXXX to renew my eligibility. I also emailed. Noone answered and noone called me back noone emailed me. 
In XXXX I received a student loan bill from FedLoan servicing for XXXX dollars. I called XXXX XXXX XXXX again, because I had still been billed every month for my usual {$50.00}. I called and emailed, nothing but an answering machine. 
I then called fedloan servicing. XX/XX/XXXX and XXXX XXXX. I only get a sweepstakes recording, over and over. I attempted to email twice on those days and it responds with a weird error message. I am racking up debt, my credit score is going down and I do not know who to call! Please help me! 

I have an issue with XXXX XXXX XXXX company ( supposedly from XXXX ) And, FedLoan servicing.
Product: Debt collection

I filed a complaint before on this same issue and just got the latest response. Their response finally acknowledges that he was not authorized on the account and the multiple court documents crafted, signed, and submitted for them. However, it claims that I gave him permission to use the extra card that he ordered from them without my knowledge. Really, Wells Fargo? I found out about such a card when he took it as he took a couple of other things ( including money that was legally solely mine out of a Wells Fargo account after Wells Fargo had been informed that he was not an authorized person and Social Security had also made the same determination ). I reported the thefts to the local police. They were not sure how to respond because of the federal element ( social security ) and directed that the court would determine response. The court did. He stole those things. I am not to be held responsible or liable for them in any way ( held harmless ). He must make restitution for what was taken / fraud. All of this ( police report, court documents ) have already been given to Wells Fargo. They know that I did not hand him a credit card and tell him to use it after removing him from all of the accounts and calling the police on him. They gave it to him without my permission ( just like the cash he also took from their account ), in fact after being explicitly informed not to, and he absconded using it. As soon as I found out, I reported it, and they have continued to pull one excuse after another from a pre-set list, often rotating them, on why they won't fix the issue. And excuse after excuse doesn't hold water, is illogical, is countered by documentation, is countered by courts. So they can try again here. I've already shown that he was not authorized, that literal theft and related crime was committed. If they want to claim that I still somehow told him to use this credit card, then they need to prove it ( because it's axiomatic and documented that I did not ). Find another, better excuse, Wells Fargo.
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : 1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Pioneer Credit Recovery RE : Master Account # XXXX Amount : {$850.00} I am writing in regards to the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. 

I am disputing this debt because I do not owe it. 

Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. 

Finally, please note that I do not wish to receive further telephone calls or letters concerning this debt that I do not owe to your client. The Fair Debt Collection Practices Act requires you to respect this request. See 15 U.S.C. 1692 ( c ).

Thank you for your attention to this matter.
Product: Credit reporting

Equifax Credit Bureau is in violation Of Section 609 of the Fair credit reporting Act. 
Unverified accounts are being reported on my credit profile. They are suppose to verify my signature on al accounts submitted by creditors according to this act.
Product: Debt collection

they constanly call as soon as XXXX hit at least 4 times a day I told the representive im at work the still abuse by harrasing me I have XXXX and I can not focus at work
Product: Credit card or prepaid card

On XX/XX/XXXX, I had opened an Old Navy credit card and made my first purchase in the amount of {$180.00}. The account was reported to the bureaus the following day. I had made and additional purchase on the card bringing my balance up to {$220.00}. I had paid my balance in full and had not used the card since. Fast forward to a week ago, as I started the process to get a pre-approval to purchase my first home, I was taken by surprise when my loan officer had asking me about a {$15.00} charge off to your company. I had to review months of records to see where and/or how this could happen. It appears that I was charged a fee or something in the amount of {$3.00} on my XXXX statement, AFTER I had paid the account off in full. To further complicate matters, I never received any statements following that payoff. This {$3.00} obviously went unpaid causing Synchrony to charge me what appears to be a minimum finance charge in the amount of {$2.00} on my XXXX statement. Again, no bill, no phone call, and no email informing me that I'm past due. Starting in XXXX, the account went 30 days past due, another fee was charged, still no communication or statements from Synchrony. On XX/XX/XXXX, my account was closed by Synchrony while this cycle of non-communication and no statement received letting of any balance owed went on through XX/XX/XXXX. For six months, not one person from Synchrony contacted me all the way through the account being charged off in XXXX. It's very depressing that the ability of being able to purchase a home was vehemently taken away from me over {$3.00}. As a consumer, is unfathomable that anyone would ignore such a miniscule dollar figure, even during the unprecedented events brought on by COVID19, knowing that a {$3.00} blemish would impact and haunt them for seven years. Even more so, it's incomprehensible how a company would do this to somebody.
Product: Mortgage

XX/XX/2016 I applied for a loan with Paramount Residential Mortgage Group based out of XXXX, Ga. I was mislead in thinking that my loan would be approved by the local loan officer. He kept informing me that we will close your loan. With his confidence, I put money down on a home, paid for an inspection and an appraisal. To my dismay about six days before the projected close date on the contract, he pulls the plug and gives a denial. I feel that an act of detrimental reliance has occurred. I lost money based on his advice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my last and final attempt to have this issue resolved before seeking legal action against the credit reporting agencies and this company. I have challenged the accuracy, compliance and reportability of these listings to no avail, and my rights have been violated. EXPERIAN has been reporting incorrect information on my credit report for XXXX XXXX/XXXX. I have sent in several disputes to have this incorrect information deleted from my credit report. 

On XX/XX/2018, I mailed a certified dispute letter to EXPERIAN regarding the XXXX XXXX/XXXX  account, which was received by the EXPERIAN on XX/XX/2018. On XX/XX/2018, EXPERIAN responding with a form letter simply stating that the account had been verified. 

On XX/XX/2018, I mailed a follow-up certified dispute letter requesting the description of the procedure used to determine the accuracy and completeness of the information, along with the name, address, and telephone number of each person contacted regarding the alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I informed EXPERIAN that any automated response or e-oscar verification was unacceptable, and that they were to provide me all information within fifteen ( 15 ) days of the completion of the re-investigation. This follow-up certified letter was received by the company on XX/XX/2018. 

As of today, XX/XX/2018, EXPERIAN has failed to comply with laws of the FTC and the FCRA, by still continuing to report inaccurate, incomplete, unverifiable information, and they stand in noncompliance with the reportability of these listings thus violating my consumer rights. These violations are damaging my character and to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report from Experian and per review, a stated public record is listed to my report for Bankruptcy. I sent a certified letter to Experian on XX/XX/2018 requesting an investigation for state public record listed to my report. I requested Experian Credit Bureau to provide me with copies of all documentation associated with these accounts and Public Records accounts bearing either a court order to place this information on my credit report, or my authorization of release bearing my signature. 

In the meantime, to be in full compliance with the FCRA laws and guidelines, all the information listed under " PUBLIC RECORDS '' needs to be IMMEDIATELY DELETED from the credit file they maintain under my name and social security number. Their reply stated, per attached states, " Unless you send us additional relevant information to support your claim, we will not re-investigate this information again. '' Not only was there not an investigation, they did not comply with the FCRA Law to furnish to me the original documents bearing court order or my signature.

I also, received a letter from U.S. Bankruptcy Court XXXX XXXX of Wisconsin stating " The U.S. Bankruptcy Court does NOT report information to any credit agency. '' I am aware that this would be a direct violation of the Privacy Act.

Experian is not only in violation per FCRA law, but they continue to attempt to verify said information through a Third Party that I did not give consent to place to my report if so. I am requesting an immediate removal of public record information of bankruptcy and any accounts to my report referencing Bankruptcy information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second time filing a complaint after the first complaint was ignored. Dear Experian Dispute Department, I have disputed inaccurate items from my credit report multiple times. I have sent certified letters in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX along with uploaded copies in XX/XX/XXXX and XX/XX/XXXX requesting VERIFIED account information for what you are reporting on my report. Clearly, you have ignored my request for this information because according to the FCRA you have 15 days to provide me with the name of the creditor, the name of the business, the name of whom you spoke with and their contact information once you receive me request. I have not received anything other than your standard " verified '' response. You have an obligation to uphold the law and correct credit reports that are reporting inaccurate and unverified items. I have sent you plenty of documentation to support my disputes and I believe my dispute is going through your XXXX computer system and not being investigated properly. All of the items listed below need to be removed immediately. I have spent countless hours documenting and recording the information for you to conduct a reasonable investigation. If I can not get the resolution that I am requesting due to your willful noncompliance I will file suit in Federal Court. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

" The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation.

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting age
ncy for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. ''
Product: Credit reporting

I am filing this complaint against Experian. Experian is violating the FCRA, by knowingly listing unverified accounts and personal information on my credit report. Experian has ignored my repeated requests to provide me with the documents or copies of the documents that they are using to verify the accounts, I have disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA, Experian is required to " ... promptly DELETE all information which can not be verified '' that I disputed. Please help me resolve this matter as soon as possible. Thank you.
Product: Debt collection

I keep getting calls from a Debt collection company asking for XXXX XXXX. I tell them that I am not XXXX XXXX and that there is no-one by that name at this address. I even called the number back and asked to speak with manager. The manager said he would take care of it but a week latter I start to get call again. I have received at least 10 call so far.
Product: Credit reporting or other personal consumer reports

am writing to dispute the information on my credit report related to the account with the account number XXXX. The discrepancies in the reported information are as follows : XXXX. Account Status Discrepancy : XXXX : Derogatory XXXX  : Paid Equifax : Paid XXXX. Monthly Payment Discrepancy : XXXX : {$0.00} XXXX : {$0.00} Equifax : {$0.00} XXXX. Date Opened Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Balance Discrepancy : XXXX : {$0.00} XXXX : {$0.00} Equifax : {$0.00} XXXX. Payment Status Discrepancy : XXXX : Current XXXX : Unknown Equifax : Current XXXX. Last Reported Discrepancy : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX Equifax : XX/XX/XXXX XXXX. Comments Discrepancy : The comments on the account mention that it is " Settled - less than full balance '' and " Account legally paid in full for less than the full balance. '' These comments are inconsistent with the reported payment status. 
I request a thorough investigation into these discrepancies and urge you to correct the inaccurate information on my credit report. Please provide me with the results of your investigation and a corrected copy of my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

Attached to this complaint is a letter from XXXX XXXX for Experian immediate review. XXXX XXXX is unable to verify the accuracy of bankruptcy case number XXXX currently listed as a public record on my Experian credit report. XXXX XXXX is requesting for Experian to review the attached letter to this complaint and delete and remove the public record of bankruptcy case number XXXX from my Experian credit report. Full Name : XXXX XXXX XXXX, DOB : XX/XX/1974, SSN : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian buries the dispute submission form making it very difficult to submit a dispute and their phone line is always busy on different days and different times. This is the number XXXX given on website. While the other agency allowed me to dispute personal addresses, Experian would not let me submit a dispute stating that I have to contact the vendor and make them change my address. At the least, they need to make it easy to find the dispute menu like the other two agencies.
Product: Credit card or prepaid card

I filed a complaint with CFPB in XXXX against American Express, since filing the complaint I only received phone calls from American Express requesting I make payment. None of the Amex callers were aware of my complaint or calling to follow-up with my complaint. To date I have not had contact with American Express regarding my account. Today I check my account to see if it is fixed and it now says my account is closed. I have been with Amex since 2000 and now it says my account is closed.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Transunion all violated my consumer rights to privacy under The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which is a Federal law that protects the privacy of student education records. The law applies to all schools that receive funds under an applicable program of the U.S. Department of Education.

These rights were also violated under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information.

( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out.

( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless

( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

At no point have I been given an such correspondence as to the methods listed in 15 U.S. Code 6802. Only after extensive research, I happened across the information in these codes, as well as The Privacy Act of 1974, a United States federal law, which establishes a Code of Fair Information Practice that governs the collection, maintenance, use, and dissemination of personally identifiable information about individuals that is maintained in systems of records by federal agencies. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Present In accordance with the Fair Credit Reporting Act, as a federally protected consumer, I am now exercising my right to opt out of any and all authorization I the consumer may have given you, written, unwritten, verbal, nonverbal, and otherwise per 15USC 6802.