23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I am continuously receiving calls from a company called Great Lakes EDU about old school loans. I am XXXX and am no longer required to pay back the loans. I am being harassed by this entity, even after I block them ; but they still find a way to continue calling. I don't know what more I can do about it. The calls have been going on for 6 months. I have all the instances on my cable carrier. The most recent call was Friday, XX/XX/XXXX. The phone numbers from this company very. One number is ( XXXX ) XXXX.
Product: Credit reporting or other personal consumer reports

I have ask for proof of these accounts ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, on more than XXXX accounts, where Ive mailed requests asking for proof and validation of these accounts, and all Ive received is a letter statement saying there verified without proof, this is a violation to my rights, and a violation to my fair credit report act rights
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached. This account was included in bankruptcy. Shows as a closed account with a current past due amount of {$200.00}. Presents as " current negative payment activity '' as of XX/XX/2018 which is affecting my credit score.

I have disputed this online and have sent requests to the creditor. All of my accounts with this creditor were re-affirmed and are current or paid off.
Product: Credit reporting or other personal consumer reports

I have tried to dispute this multiple times and get this removed off of my credit report multiple times with no response, contract, or proof of allege debt from creditor. I provided an FTC report to prove that it was not my debt but the creditor still has not repsonded. The first dispute was on XX/XX/year>, The second dispute was on XX/XX/year>, and the third dispute was on XX/XX/year> all with no response and FTC attached as well as proof of identity. This is not my debt and I would like for the accounts to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX and I was told I had an open loan with this company. I never heard of this company plus XXXX had no number to contact the servicer.
Product: Debt collection

Discover has repeatedly contacted my grandparents ( whom I do not or have not ever lived with ) regarding my missed credit card payment. My grandparents were not aware of my credit card, as I am an adult and live on my own. The payment amount owed was given to my grandparents which according to the Fair Debt Collection Practices Act, a federal law, is illegal. After contacting Discover about the crime that has been committed against me, they have provided absolutely no solutions to this issue. I will attach a recording of my phone call with a supervisor at Discover where she admits what they have done is " not allowed '.
Product: Credit card

I have the XXXX credit card from Synchrony Bank. When I used it I earned points.I switched cell phone carriers from XXXX to XXXX but I continue to have the XXXX Credit card. I tried to redeem the points I earned, but they are gone. These are points I earned from using the credit card while I was a XXXX phone customer and credit card holder. They said once I switch carriers for my cell phone, they take away all the points I earned by using the credit card. First of all this doesn't make sense because I earned the points from using their credit card not from using their phone service. Second, They never told me this before taking my points. They never told me this when I signed up for their credit card. Third, they took points that belonged to me. It was my possession they were holding. It is like you earn interest from a savings account at a bank, and then when you change banks, they take away the interest. That's illegal. The interest belongs to you. The points belong to me. What XXXX is doing is illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I was a victim of identity theft and this is another request to block or remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days after the XX/XX/XXXX Ive already included this report in my previous letter & I am including it again. Also, the information you provided on the account is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$850.00}
Product: Debt collection

We paid a closed Home Depot credit card instead of our active XXXX XXXX card in XXXX. Citibank took the payment but never applied to the correct account. They then got a judgment against us with the incorrect balance and we never ever aware of the judgment being served in XXXX. And now 13 years later, Citibank has a 3rd debt collecting attorney trying to apply a wage execution based on a false balance judgment. This is absolutely awful behavior or Citibank and we need CFPB to contact them so their debt collectors first XXXX and XXXX XXXX from XXXX XXXX & now XXXX XXXX XXXX, to stop the most recent application for wage execution of XXXX XXXX. 


First, we paid that XX/XX/XXXX payment on time but was not credited, it was sent to a closed account and XXXX XXXX was aware of it. They cashed the payment and didnt credit us, we did not received either credit or money. Second, we never received any notification from XXXX XXXX  XXXX for any legal action otherwise we would have showed up to defend this incorrect balance and judgment XX/XX/XXXX. We requested a certified signature signed by XXXX XXXX regard of this legal matter of which we have no recollection Third, a post judgment hearing on XXXX XXXX with XXXX XXXX XXXX came and went and the wage garnishment was not allowed. To the best of our recollection we never received any notification for switch of attorney for XXXX XXXX  XXXX. So they are trying again and now with XXXX XXXX XXXX, which we never heard of them until the request wage garnishment on XXXX XXXX. Citibank should not be allowed to get another bite of the apple. We also would request a certified signature by XXXX XXXX from XXXX XXXX XXXX, as proof of judgment was served in 2011. 
We would like CFPB to request this information on our behalf and have all issues and concerns answer by both Citibank and XXXX XXXX  XXXX.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, or XXXX ) credit report, and I noticed some Hard Inquires reported on my credit report : And have noticed multiple fraudulent inquiries that i never authorized. In complete violation of Your company is in clear violation of the law. Under 15 USC 1681C-2- Block of information resulting in identity theft. THE LAW CLEARY STATES " BLOCK '' Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 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.
Product: Student loan

This last Monday XXXX XXXX I was notified that my credit score dropped. When investigating I noticed a company called Nelnet had dropped me off of a 90 days late payment. I had never heard of this company before and my student loans were through another loan company named Great Lakes. There were no phone calls, no emails, no letters sent, they even had my correct phone number and email address, I didnt even have an account with them. After a few hours of researching how to make an account and contacting them, they agreed to put my account to current given the circumstances and that thousands of people have been calling this week. My credit dropped from a XXXX to a XXXX. 

So far my account is current, but my credit has not changed and the late payments have not been removed. This should not be allowed to happen considering I was not aware that they were due and no attempts to contact me have been made.
Product: Debt collection

incorrect information has been posted to my credit reports without receiving notice of the debts in question for XXXX this debt was paid in full by the business it was a business account they have reported to all XXXX credit agency also this company call me and my family threatening lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were paid off through wage garnishment two years ago. My credit report is inaccurate. When i disputed they changed my status to 180+ days late and my score dropped. XXXX will not remove these paid off accounts and they added false info when I filed a dispute. The same loan is also on my reports multiple times. I dont know where to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am a victim of identity fraud. There are 2 credit cards that I have not open or used.
Product: Credit reporting, credit repair services, or other personal consumer reports

the following accounts have been disputed on these dates for these reasons : XXXX, XXXX, XXXX Incorrect balance, the date reported, and the account type is inaccurate. 

XXXX/XXXX  XXXX  # XXXX XXXX XXXX # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 U.S. 1681 ( 2 ) ( A1 ) which states " If a financial institution is supervised by a Federal banking agency, the financial institution shall seek written approval concerning the terms and conditions of the loan rehabilitation program described in clause from the appropriate Federal banking agency. Under 15 U.S. code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX I received a debit card from Chime that I never signed up and opened. Then I started to receive emails from Chime. Then on XXXX  I received several emails that I sent XXXX to people I don't recognize and know. On XX/XX/ I called Chime and asked them to investigate and close the account by providing them with my email address and the account number on the card I received. I informed Chime that I never opened this account. They closed the account and sent me an email confirmation.
Product: Credit reporting or other personal consumer reports

Complaint Against Experian and XXXX XXXX  for Reporting Inaccurate Information in Violation of FCRA Dear CFPB Representative, I am writing to formally complain about the inclusion of inaccurate information on my credit report by Experian. This inclusion violates the Fair Credit Reporting Act ( FCRA ) as the account in question does not fall under permissible purposes as defined by the FCRA, and I have never provided written consent for this account to be included on my report. 

Details of the Issue Credit Reporting Agency : Experian Inaccurate Account : XXXX XXXX  FCRA Violations : Accuracy and Privacy ( 15 U.S.C. 1681e ) : Consumer reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The emphasis is on accurate and relevant information for assessing creditworthiness, which does not include income data. This account is taxable income. 

Permissible Purpose ( 15 U.S.C. 1681b ) : Under the FCRA, consumer reporting agencies may furnish consumer reports only for certain permissible purposes. The inclusion of this account on my report does not meet any of the criteria outlined in 15 U.S. Code 1681b ( a ). I have not initiated a transaction or application that would require this information to be furnished. 

Lack of Written Consent ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : I have never given written consent for Experian to include this account on my credit report. According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reports may be furnished with the written consent of the consumer. In this case, no such consent was given. 

Accurate credit reporting is crucial to my financial well-being, and I trust that the CFPB will investigate this matter promptly and ensure that Experian corrects this violation. Thank you for your attention to this matter. 

I have attached a copy of my credit report and the item in question starts on page 11. 
I have disputed this item with Experian on XX/XX/year> and on XX/XX/year> and both times they refused to remove the account.
Product: Checking or savings account

Bank of the west doesnt actually let you opt out of overdraft fees. They use any monthly subscriptions or set up payments to overdraft your account and charge a XXXX dollar fee. Even if you opt out
Product: Mortgage

I recently re-financed my home last year with caliber home loans. I submitted all the documents for my homestead exemption. There was nothing in any of my loan documents that stated that they would continue to collect taxes from me. They continued to do so and after several conversations via phone and email to Representatives of caliber, I was unable to get them to stop collecting money from me that I was not liable for. They claim that they are legally able to so since, in the state of Nebraska we have to refile every year for the homestead exemption. This may be true but I don't think this gives them the right to collect money from me that I am not liable to pay due to both a state and federal law that excludes me as a XXXX person to pay home taxes!! I have over {$2000.00} in escrow right now that they are withholding from me. I do not believe that this is, nor should be legal! I am not liable for taxes so why are they legally able to collect them from me?
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my XXXX, Equifax and XXXX credit reports and found XXXX XXXX had pulled my credit without authorization on XX/XX/2018.I already had financing they were only authorized to complete the application not check my credit themselves. I sent them a certified letter to remove the unauthorized inquiries and they have not responded so I am filing a complaint.
Product: Debt collection

Between XX/XX/2016 - XX/XX/2016, DIVERSIFIED CONSULTANT called me over XXXX times. Sometimes 3 times within the same day. I tried to answer every call. Each time, they would say that they have an important legal matter to discuss and would ask me to verify the last XXXX of my SS # and/or DOB. Each time I told them that I do not/would not provide my personal information over the phone without knowing the specific reason for the call. They said that they could not give me any details until or unless I verified my personal information. Each time, I asked them to send me correspondence regarding the matter and I would then respond accordingly. I then gave them by PO Box mailing address. I NEVER received any written correspondence from DIVERSIFIED CONSULTANT. On XXXX XXXX I checked my XXXX credit score and credit report and found that a collection from DIVERSIFIED CONDULTANT was there. I called the number listed, and explained that they were improperly reporting the collection of a debt that had not been verified as mine. I gave them my name and mailing address and the partial account # as reported in my XXXX credit file. They did not have a match in their file. They insisted that they could not help me further without providing the last XXXX of my SS #. I provided the SS # s numbers and they pulled up the account. The address that they had in their file is not nor has it ever been my address. I asked them had they ever sent me correspondence about the debt. I was told that a letter was sent on XXXX XXXX to the address in the file -which again is not my address. I then asked for a fax number so that I could write them regarding my frustration and how they were improperly and probably illegally reporting this debt to XXXX and/or other credit agencies. I was given the fax number XXXX. I tried more than 20 times to fax to this number between XX/XX/XXXX-XX/XX/XXXX at different times throughout the day and night. IT ALWAYS rang busy - as late as XXXX EST as well as XXXX EST. I called back on XX/XX/XXXX and XX/XX/XXXX asking for an alternative fax number each time. I was told that this was the only fax number. I explained that the debt was not mine, the address they had on file is not/was not mine, that they had not ever sent me any correspondence and therefore I know that they had not properly verified the debt as I read and understood the fair debt collections practice act. I told them that I wanted a valid fax number so that I could fax them immediately or for them to remove the collections account from my credit file. I was told that my only option was to write them. I thanked the representative for his time and told him that I would be filing a complaint with CFPB.
Product: Debt collection

Sent debt validation letters to obtain the correct information, never recieved a response contacted the original debt collector and was told debt was never sent to collections. So who are these people saying I owe them XXXX when I never went to the hospital.
Product: Credit reporting or other personal consumer reports

15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX, Experian XXXX XXXX is reporting this information. The reporting of excluded information pursuant to 15 USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been validated, lets be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form XXXXXXXX XXXX XXXX XXXX. XXXX, Experian, XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer report are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form XXXX : Information Referral AND IRS form XXXX. Application For Award Original Information Overview with the Internal Revenue Service against ALL entities involved.
Product: Mortgage

Reached out to shellpoint on XX/XX/XXXX to request a payoff since the online portal would not generate one. They stated it would be a XXXX hour turn around time. We never received anything so called back on XX/XX/XXXX to get an update. They stated there was no update and that they would send it to a team lead again but the manager would have another 48 hours to review it which now puts us past XXXX. 

So now with 3 different attempts I am still unable to get a payoff for my two loans that we have sitting in contract for sale. Both of these deals are now about to cancel due to the fact that we cant get a simple payoff to close on time because according to customer service they are having a hard time calculating the prepayment penalty.
Product: Credit reporting, credit repair services, or other personal consumer reports

Alleged Charged off account XXXX Bank of America is in violation of Title 15 1681 Section 2 8E ( 3 ) for failure to respond to my dispute which accused them of furnishing inaccurate data on my credit report. They are also in violation of Title 15 1681-S2-1 ( B ) for reporting information after notice and confirmation of errors My dispute was received by this company on XX/XX/2021 I am yet to receive a response from them, yet this alleged charged off item is still on my credit report.
Product: Mortgage

My mortgage company will not file the claim necessary for me to payoff my account. I have a partial claim with HUD that Freedom must file for and they will not do so. I could loose my home because of their incompetency. I have been asking them to do so since XXXX, 2021. I have copies of each request I sent them. I have spoken to them on the phone several times as well. One phone the person from Freedom even stated that they were filing the partial claim from HUD as we spoke. HUD has no record of it. Either no one who answers the phones or reads the emails at Freedom knows how to do their job or they lie.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing to you today to inform you I was the victim of identity theft. Per FCRA section 605 b you are required to remove/block any account listed on an id theft report. Please find the required documents to assist in blocking of the erroneous information which is being posted to my report. Here is the list of account that does not belong to me or was opened without my permission. XXXX XXXX According to FCRA Section 605B ( a ) Transunion shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

Please remove these following hard inquiries from my credit reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  See attached documentation
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

15 U.S.C 1681 Section 604 A Section2 ; It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer # XXXX Hello, Im contacting because Im a victim of Identity Theft. Ive submitted legal and personal documents to 2 companies for remote job opportunities that were scam. I also received fraudulent checks from those companies to pay for quote on quote ( Work material ) but that wasnt the case as those fraudulent checks were the reason why my two previous checking accounts closed which is now shown on my consumer report. I would like to Submit a request in terms of deleting that previous history of accounts shown as closed on my consumer report, Im well aware of the consequences but being a victim of this situation is hurting my chances of opening up a bank account.
Product: Credit reporting or other personal consumer reports

For over a year I have disputed inaccurate information on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This information is misrepresenting my credit profile and stopping me from obtaining new credit.