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

For years, I have not been able to login to the Experian website. I have tried multiple times to get this resolved and in the end, I am ignored and so I give up. My most recent escalation case with Experian is XXXX and it has been over a month since the issue was escalated this time. I have emailed Experian using their email address multiple times and now, once again, not getting any response. When I use their link " forgot my XXXX '' I am able to verify my identity and I receive an email with my current XXXX, which has always been my XXXX. When I use their link " forgot my password '' the system asks for my username. When I submit my XXXX, their system says that my XXXX  does not exist. I am able to request a password reset link from Experian 's phone system and reset my password that way but I still can not login, despite resetting it multiple times. I have tried multiple computers and multiple web browsers. I have worked professionally in IT for over 20 years, I think I know how to login to a website and I have NO other issues with XXXX or XXXX. Any help the CFPB could provide to get this resolved would be greatly appreciated.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX Account Name : XXXXXXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account NumberXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

This account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting Experian do there job and investigate in accordance with the fair credit reporting act. In doing so they will find said company XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/2021 Phone # : ( XXXX ) XXXX My investigation has revealed at no point has the above referenced company ordered a copy of my credit report. I had to have Experian investigate the other Inquiry 25 time before they did their job. Very simple all the have to do is pick up the phone call the number listed and they will find at no point did the above referenced company order my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies did not follow Laws Procedures when it comes to reporting on my credit report history. The Law 15 U.S. Code 1681b- Permissible purposes of consumer reports I have not given permission to the beaurus to show on my credit report some accounts neither they have a court order.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I mailed a dispute along with a copy of my I.D, proof of address and date of birth pertaining to account XXXX. This account is a COLLECTION ACCOUNT REPORTING OPEN. This is a violation of Metro 2 compliance standards. I have asked TransUnion to mail me a copy of this account showing compliance with Metro 2 reporting standards and this company continues to mock me. Transunion sent a notice " applauding '' my efforts to have this matter fixed. I sent a second correspondence on XXXX 2022 ( all letters will be attached ) and TransUnion responded with the same letter. If TransUnion is verifying information to be correct BEFORE publishing it on my credit report, where are there metro 2 compliance violations on my report. PLEASE AUDIT THIS COMPANY AND OFFICE. NO INFORMRATION TRANSUNION HAS ON MY FILE IS ACCURATE OR TRUE. PLEASE MAKE TRANSUNION SUBMIT METRO 2 COMPLIANCE VERIFICATIONS AND VERIFICATION FOR ALL NEGATIVES ITEMS ON MY CREDIT REPORT
Product: Mortgage

My loan servicer, Loancare, will not pay my XXXX property taxes. They claim they were paid in XX/XX/XXXX, but that my county tax collector still shows the bill as unpaid. I have called them at least monthly since XXXX and have been given different reasons for the delinquency each time. I have also been told they fixed the problem and paid my taxes in XX/XX/XXXX This is not the case. I have been unable to get any meaningful action or resolution in the past 4 months I have been contacting them. I had the same issue with my XXXX property taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Court ordered Bankruptcy was not protected. Discharged accounts were sabotaged taken and sold by bankruptcy debt buyers. The suspects go by the name of XXXX XXXX. XXXX XXXX  XXXX XXXX, NJ XXXX also known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX This company is mysteriously listed in my bankruptcy. Chapter XXXX discharges all debt however the company is listed in a XXXX after that. And I never owed that company anything. The company is a bankruptcy debt buying company with the main interest in chapter XXXX and XXXX debt only. ( if proper authorities investigate they will discover the same truth ) I have become a victim of a very serious crime of unlawful and unfair credit reporting with my rights being taken away by not being able to utilize the full benefits of a court ordered bankruptcy. My entire credit report has been sabotaged, scores intentionally kept low and as a result trying to rebuild has become virtually impossible. 

I know this can not be fixed, when reporting agencies intentionally report mistakes and have to fix them they almost never ever compensate the score and what was lost so I know the scores will forever be damaged. 

I am requesting the Chapter XXXX and chapter XXXX bankruptcies be removed from my reports completely. None of those discharged debts should have been left on the report for this to happen. My son just filed a chapter XXXX bankruptcy, no crime has been committed, the suspect bankruptcy debt buyer 's name is not listed in his case and all his debt has been properly removed from all three credit reporting bureaus! His bankruptcy debt has not been bought and sold. No worries of discharged accounts actively showing or inaccurately reporting. Discharged debts are a court order it is a violation to continue to report and furnish such debt as charged off, collections, lates and derogatory like you clearly see on mine. The courts ordered them discharged not derogatory ...... I will see that justice is served and I am compensated for all the damages. I have a whole stack of credit denial letters listing I have charge offs, accounts with high and unpaid balances, collections and derogatory accounts. While my credit reports furnished from XXXX, Equifax and XXXX XXXX state otherwise. The reports were altered for what they wanted me to see. all positive reporting!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. NY XXXX XXXX 15 U.S. Code $ 1681c-2 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. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I.C. SYSTEM, INC claimed I owe XXXX as a collection, but I don't recall have any business transactions or dealings with this company. I am asking that you have the creditor provide evidence that the account belongs to me and should be reported in my credit report, In addition, to show that my rights have not been abrogated. I'm asking the creditor to verify that they have a signed contract or paperwork from me or related to me in any fashion. Unless this paper is produced or the account is unverifiable, I required that this account is updated and deleted to reflect the proper reporting standard.
Product: Debt collection

im behind on my payment i had personal issues going on ive written the office in regards of this matter but XXXX XXXX called my job demanding i make a payment insted of being professional about these issuse and my loan shouldnt be discussed with another loan compant in which this is confidential i think its very disrespectful calling someones job.
Product: Credit card or prepaid card

1.I have never had an account with this company GS BANK USA , REMOVE from all credit agencies from reporting. 
2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are GS BANK USA the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed.

7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value.

8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt.

10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card or prepaid card

When Capital One took over Walmart Credit Card they denied me on line access because I do not have either a US based phone number or the CCV code. This is precedicial because I live outside the US.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I filed a complaint with the CFPB against Experian for unethical business practices ( Dropping my XXXX credit score 20 POINTS for a hard inquiry which was not me who applied for anything ) then ( Dropping my credit score 53 POINTS because I had used {$310.00} on a {$500.00} limit card ). When I filed another complaint with Experian because my balance was {$210.00} and mortgage was {$150000.00} not {$190000.00}, Experian refused to update my balances and closed the complaint. This is retaliation for my original complaint along with unethical and suspect business practices. 

COMPLAINT ID XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Bank account or service

I deposited two checks from large corporations that I have deposited from previously. Wells Fargo put a hold on the checks the next morning saying they would not go into my account for a minimum of at least a week. When I called the bank to see what happened Wells Fargo said it could be longer than a week before I would get my money. Wells Fargo said they were n't sure what was wrong. I never sign the backs of my checks when I deposit in the ATM but Wells claimed that was the problem. Then Wells claimed the 2 entities that wrote the checks did n't have the money in their accounts to cover the checks. Later an extremely rude branch manager told me I was over drawn ( I was not ), and that was the reason the deposited checks were being held. Everyone I asked gave me a different excuse but no one was willing to help me get to the bottom of the problem. I was finally told by Loss Prevention that I needed to get verification letters from the banks that wrote the checks. I did this and Wells called to verify one check, which was then funded into my account. The other check had been canceled by the company that wrote it. The following Monday Wells debited my account for the canceled check. I called to tell them they could n't debit my account for the canceled check because it was never funded into my account. It had been held and never funded. The customer service person told me " it was never held. It was funded into my account the day I deposited it. Just look at my account online. '' They had manipulated my account and removed any evidence of the hold and made it look as though they had funded both checks into my account the very day I had deposited them!! I still have emails and a letter that was snail mailed to me for proof of the hold.
Product: Debt collection

CREDIT SYSTEMS INTL IN reporting a collection to XXXX  and XXXX  credit agency, I've no knowledge of this collection account and never received any communication from CREDIT SYSTEMS INTL IN
Product: Credit card

I am writing this complaint about my diligently accrued credit card rewards that were improperly withheld and subsequently taken from me. I had a Wells Fargo Active Cash credit card for about XXXX years. I always made my payments on time and the card was in good standing. 

One day, Wells Fargo decided to end their business relationship with me and at the time of my account closure, XXXX, my account was still in good standing and I did not owe any money to Wells Fargo XXXX On XX/XX/XXXX, I logged into my mobile banking and I noticed that my credit card rewards balance was all of a sudden showing {$0.00}. This was before my account closure date and at the time I had accrued around {$580.00} in rewards. 

I click into the rewards account statements and it showed that all of my credit card rewards were put on hold. I could not withdraw it and I could not even see the rewards information on my dashboard unless I clicked into the specifics. When I contacted Wells Fargo about this, they put me in an endless loop of telephone transfers with no direct answers. Bouncing me from the credit card department to the rewards department then from the rewards department back to the credit card department, etc. 

Eventually, I got fed up with this and on XX/XX/XXXX around XXXX PM, I went in person to the Wells Fargo XXXX XXXX  located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX to submit a formal complaint. XXXX was the banker who helped me file the complaint in person and I would like to compliment him on his assistance. The Wells Fargo case number is XXXX and the ID is XXXX. 

Originally, my case was assigned to an agent named XXXX ( ext. XXXX ) then it was later transferred to an agent named XXXX XXXX ext. XXXX ). XXXX called me a few days later and essentially told me the door has been closed on this issue. I persisted and she made a new case number : XXXX for this. 

As of now, the case is still unresolved.
Product: Checking or savings account

I believe I have been scammed by a Bank of America scammer, I was sent a text asking did I authorize a XXXX transaction through XXXX. NO WAY did I authorize that, I had less than a XXXX in my account and now XXXX of it is gone!!! I have rent coming up in a day and I'm screwed!!! Please help me!!
Product: Debt collection

FAIR COLLECTIONS AND OUTSOURCI {$13000.00} XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX FAIR COLLECTIONS AND OUTSOURCI XXXX XXXX XXXX, XXXX XXXX XXXX, MD XXXX XX/XX/year> Subject : Request for Debt Validation Dear Sir/Madam, I am writing in response to your recent correspondence regarding an alleged debt in your possession. 
According to your communication, you claim that I owe a debt to FAIR COLLECTIONS AND OUTSOURCI. Before any further action is taken, I request that you provide me with validation of this debt as required by the Fair Debt Collection Practices Act ( FDCPA ). 

Please provide the following information : 1. The original creditor 's name and contact information.

2. The original account number associated with the debt.

3. The date the debt was incurred.

4. The total amount of the debt, including any fees or interest.

5. Documentation establishing your ownership or authority to collect this debt.

I am exercising my rights under the FDCPA to ensure that the debt is valid and that I am dealing with the rightful owner of the debt. I also request that all collection activities cease until the requested information is provided and the debt has been validated. 
Please be advised that failure to validate the debt within the statutory timeframe will result in me disputing the validity of the debt and pursuing further legal action as necessary to protect my rights. 
Kindly send the requested information to the address provided above. Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach :
Product: Credit reporting or other personal consumer reports

I sent letters to each credit credit bureaus ( XXXX, Equifax, XXXX ) with a notarized copy of my ID, Social Security Card, Bank Statement, and all updated personal information. I requested that my Credit Report be updated, to reflect accurate personal information. Also, that each Credit Bureau Delete any erroneous addresses, and listed jobs. Each letter was sent Certified Mail on : XX/XX/year> Tracking Number for Each Letter : XXXX, XXXX, XXXX, I just recently checked my Newest Credit Report, no corrections have been made in the 30 days allotted tho the Credit Bureaus, nor has any contact been made
Product: Credit reporting

I applied for a bank position online. I got a call for and interview. I then received an email and letter stating the possible employer did a background/credit check. I did not give written consent. I did not give verbal permission either. I then get a call stating what they found on my credit they were n't going to proceed with the interview.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a collection on my credit report with all three credit bureaus. The collection is from the XXXX at XXXX XXXX XXXX XXXX XXXX I have NEVER lived at. I have resided at XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX since XX/XX/2020. I have done everything I know to do including offering copies of my 3 years of lease agreements to prove I NEVER lived at the complex and the {$330.00} collection is not my account. This is preventing me from finding housing. I will be homeless on the XXXX because of this.
Product: Credit reporting, credit repair services, or other personal consumer reports

While I was in the process of trying to rent an apartment. My credit report had to get pulled. I was denied due to several unknown items on report. I then printed out a copy of my report from XXXX XXXX XXXXo check the reason I was denied, and I realized that someone has been using my social security number to open up accounts I have never been aware of. These accounts do not belong to me. Please remove these items from my report. XXXX XXXX {$970.00}
Product: Student loan

FIRSTMARK took over our 8 loans ( XX/XX/2021 ) when XXXX XXXX sold our loans. We have twin daughters, XXXX XXXX XXXX and XXXX XXXX XXXX. We, XXXX XXXX and XXXX XXXX XXXX, parents and co-signers. Account Numbers : XXXX and/or XXXX and/or XXXX. Payments made : XX/XX/2021 {$30.00} & {$450.00} & $ XXXX XX/XX/2021 {$480.00} & {$430.00} /XXXX XXXX XXXX {$480.00} & {$430.00} / The process has been ridden with errors and misinformation, Our on time payments were reversed when FIRSTMARK used former banking info from 6 years ago. We did supply FIRSTMARK with the correct banking intuition, I have called to make payments and also made payments at the FIRSTMARK website. We are being inundated with phone calls and e-mails from FIRSTMARK requesting payments. I have answered all calls, given each FIRSTMARK rep the correct/updated info. Our credit rating is being affected. We want to manage these loans, make payments on time, receive and give the correct and updated information. I have e-mailed Firstmark, phoned customer service, waited on hold, reached out for help and have had NO RESPONSE from FIRSTMARK. This company has called me over and over and over again requesting a payment that was MADE ON TIME. The calls are all recorded, please listen to me explain over and over again, request a supervisor to correct or ask for help.. I have requested paper statements, told were not available to print and send. No person has ever called or reached out to us XXXX XXXX, we never had a problem with, Firstmark has the worst customer service I personally have had the misfortune to work with. We have made three payments to Firstmark since XXXX of just under {$1000.00} each month. No action has been taken by Firstmark other than to continuously call and e-mail. Also, there are statements dated XX/XX/2021 for a XXXX XXXX, XXXX XXXX, in New Jersey. This is not me. This entire process borders on harassment. Please I need help. I thank you for your time. Please advise if you can.