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

I paid my loan off last year. XXXX XXXX has been calling me everyday. When I ask for them not to call they said they don't have the capability to put me in do not call and that Navient sent my information to hundreds of places and they are calling me everyday. XXXX is one of the numbers.
Product: Debt collection

Franklin Collection Service continues to report a bogus medical bill on my credit reports. Consumer has disputed this item for almost three years. Franklin Collection Service does not respond to my continued e-mails regarding the validity of this bill. Medical bills are handled by my insurance plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2020 regarding unknown and inaccurate information on my credit report. As of this date ( XX/XX/2020 ), which is more than 60 days later, I still have not received any response. I am under the impression my disputes, my claims, as well as myself are being disregarded and dismissed. Section 611 ( a ) plainly states that a failure to investigate these disputes within 30 days gives reason to remove those items from my credit report immediately. These items should be removed at once since it has been over 60 days. I demand these accounts be deleted immediately or I will file for litigation due to the unjust stress that it has caused me. Furthermore, my personal information was impacted by the Equifax data breach whichmay have gotten into the hands of unauthorized individuals.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had a XXXX card for 25 years and have always paid my account in full and on time. In XXXX XXXX 2017 I  became the court-appointed conservator for my father who is currently XXXX years old and has no income other than Social Security. Two years ago XXXX sent him an offer for an unsecured personal loan for {$35000.00} which he took. He sent the money to XXXX XXXX because he was involved in a gold scam. On XX/XX/XXXX I received a notice from Discover ( see attached ) suspending my charging privileges because of an unpaid personal loan. I NEVER took out, signed for or received money from XXXX XXXX XXXX. XXXX, according to Transunion, has decreased my credit score from XXXX to XXXX ( see attached ). I feel XXXX was negligent in offering an XXXX-year-old an unsecured loan.
Product: Mortgage

I signed a XXXX home purchasing contract. I was processing XXXX loan from wells fargo. Well fargo agent fill up and information and gave me approval letter. I paid the loan rate and processing fees. Then I have submitted contractor bid.They have gone through contractor bid. When it comes to closing date after 4 weeks of bid submission. Wells Fargo called me and rejecting contractor. They ca n't close it with this contractor and they want extension and go with new contractor. Now, They gave me their contractor detail to submit the bid. I went with contractor with high bid. Then they were delaying it and extend the closing date. We extend the closing date. I was middle of the switching company. I told them beginning of the loan process that I would be moving to another company, which will have future employment. I would not be get paid until I start the project. Agent told me that it would be fine and she would be closing it. 
Now, They verified with my new employer XX/XX/2016. They will be closing it next week. They need another extension. we did extension for 2 weeks for them to close it next week. But they did n't close it next week and they went for 2nd week and calling again employer why I did n't start to get paid yet. I told them that I would get paid when I start the project. Now, last minute, Bank under writer would n't close the property. They could have told me long time ago. i could go to another lender. Now. Fannie mae would n't extent anymore. 
Agent promised me that They close property with 45 to 60 days. It is more than 90 days, they could n't close my property and denied it last minutes. I lost lucrative property and over XXXX equity. I had go through over 60 days of hard work, XXXX, put together contractor as per their request and spent lot of time and stressful time with this agent request. They took money to close the property. 

I am filing report to band this agent and wells fargo to practise loan processing in NJ. 

you can reach me at XXXX XXXX XXXX or email me at XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had 3 late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital tole and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy.

I have never been late on payments for the account : ( XXXX XXXX XXXX XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. It proof can't be provided i demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Student loan

During the Covid forbearance, my loans went from {$16000.00} up to {$18000.00} at the end of XX/XX/2022. The loans increased again from {$18000.00} to {$19000.00} in XXXX of 2022. At that time my loans were with Fed XXXX. After multiple calls to XXXX and XXXX XXXX XXXX, hours on the phone and submitting formal complaints over the last year, I have received no clear answer as to why this money was added to my account while it was in forbearance. My loans recently got transferred to Mohela. I still can't get answers. One person from Federal Student Aid told me that she thought it was because I was on some specific loan program over 10 years ago and when I switched my loan plan to qualify for PSLF it disqualified me so they just decided to address it 10 years later and add interest. This is absolutely not ok. I need answers. I also have 10 years and 120 months of PSLF, but 2 months are not counting so I can't get forgiveness. I am beyond frustrated with the student loan system and feel like this is a scam.
Product: Credit reporting or other personal consumer reports

During my prior XXXX  I became a victim of identity theft due to the XXXX data breach of XXXX. Numerous accounts and applications were submitted without my knowledge or consent while I was in XXXX XXXX. After my release I received my settlement payment from XXXX for the breach. XXXX also removed all of the debts from my XXXX credit report and gave me further instructions to help guide me to credit recovery with the other credit agencies and furnishers. However I have not been so lucky with transunion and XXXX  or the credit furnishers thus far. These debts not only remain in violation of the FCRA but also in violation of IRS codes and regulations. Aside of the debts being fraudulent and still remaining on my report I've also been made aware they are ( charge off profit loss debts ) meaning these credit furnishers received compensation from the irs and did not provide me with a 1099c. To be more specific, these credit furnishers include XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I began attending XXXX at XXXX and began signing loan documents while I was still in high school. I have accumulated 16 loans to both private institutions and the federal government totaling over {$50000.00}. I have an AA degree in Criminal Justice which has not been accepted for transfer to any four year institution at which I have applied. Numerous law enforcement agencies have also rejected the authenticity of my degree. Therefore I am stuck with a degree I ca n't use and {$50000.00} of debt.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XX/XX/XXXX

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 item 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, This is a follow-up to my previous complaints regarding abusive behavior by credit bureaus that have left me unbanked and underbanked. I am writing specifically again ChexSystems and their QualiFile score system which is unfairly denying me a bank account and not properly functioning ( based off the attached document ChexSystems states my QualiFile score is XXXX, which is outside of the acceptable ranges ). To resolve this situation, I would like ChexSystems and Qualifile to immediately remedy their system problems so that my QualiFile score is not shown as XXXX, send a copy of the credit report and QualiFile score to my at my address, and once all amendments and disputes are finalized informed all inquiriers within the last 12 months. Put bluntly, the fax that the ChexSystems QualiFile score system does not even operate within its published bounds means that myself and probably thousands of other consumers are being unfairly denied a bank account due to a QualiFile score of XXXX being given to financial institutions that are unable to process a XXXX score value. Therefore, to ensure this does not damage me again, please adequately explain to me why my QualiFile score was presented as XXXX, once again outside the acceptable range, and inform me of what action you have taken to avoid the problem in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against Experian on XX/XX/XXXX and included my applicable Federal Trade Commission fraud report and now they are asking for information that violates the Privacy Act of 1974 in order to remove the account when I already gave them my fraud report. Please review 5 USC 552a in regards to reporting on individuals. 
XXXX XXXX XXXX " We are responding to your request that information in your personal credit report be blocked due to alleged identity theft. In order to have the requested information removed from your personal credit report, you must send us a copy of a recent valid identity theft report ( an official report filed with an appropriate federal, state, or local law enforcement agency, including the Federal Trade Commission or the U.S. Postal Inspection Service or others, the filing of which subjects the person who filed the report to criminal penalties if the information filed is false ). 

The identity theft report should include as many of the following elements as possible : When the loss or theft of personal information occurred or when the fraud ( s ) occurred How you discovered or learned of the theft Any known information about the perpetrator The names of creditors and account numbers involved in the theft Name and/or badge number of the law enforcement personnel who processed the report and The filing date and case number Also enclose the below information with your request : One copy of a government issued identification card, such as a drivers license, state ID card, etc.

One copy of a utility bill, bank or insurance statement, etc.

Your full name including middle initial ( and generation - JR, SR, II, III ) Social Security number Date of birth Complete addresses for the past two years Make sure that each copy is legible and displays your name and current mailing address and the date of issue. We are unable to accept voided checks, lease agreements, magazine subscriptions or postal service forwarding orders as proof. 

To protect your personal identification information, Experian does not return correspondence sent to us. Send copies of any documents you wish to provide to us and always retain your original documents. You may also submit your request or documents supporting your claim electronically at experian.com/upload. 

If you do not provide Experian with the required information specified above, you will not have submitted a valid request to block information in your personal credit report due to an identity theft and no information will be blocked. '' I have attached a copy of my fraud report to the previous complaint and will attach it again. In regards to the other information they are requesting such as my social security number I do not have to give that to them according to the privacy act of 1974. Also according to the Privacy Act of 1974 no agency can discriminate against me and not provide service because I do not wish to provide them my private information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts I noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the outcome was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX XXXX  ACCT # XXXX ... XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX XXXX ACCT XXXX XXXX ... XXXX XXXX XXXX  ACCT XXXX XXXX XXXX XXXX ACCT # XXXX ... XXXX XXXX ACCT # XXXX ... XXXX ACCT # XXXX ... that are listed on my credit report. Furthermore, this account can not be 100 % accurate as there are open dates they have listed on my credit report that varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Debt collection

My account information is being sold to several debt collectors companies and they report it to my credit. One company after another. I send in my information and the debt goes away, then they sell it again and put it on my credit constantly dragging my credit down
Product: Mortgage

I have tried multiple times on their website as well as calling to make my house payments. 
After going through the touch tone menu it ends up saying their office is closed and gives the days and times they are open but it keeps saying they are closed during those times. 
also when i try to enter my loan info and pay on line it will not accept the loan info or payment attempt. They are claiming i am negative over {$2400.00} in my escrow and have raised my payment that i am unable to pay anyway ... LOL! 

They seem like scam artists trying to grab property through foreclosure especially since they recently picked up my mortgage from XXXX XXXX in XX/XX/XXXX and its been trouble ever since.
Product: Debt collection

Recruited to work full time with benefits for loanDepot. Accepted the employment offer, with a 3 month guarantee to work one year in the XXXX, XXXX XXXX. XXXX months later, loanDepot closed the branch I was assigned to without notification, which left me unable to complete the term. I was the very last employee at that location once they closed the office. I performed work on abandoned loans that the community referring agencies needed immediate help with. I helped pack up the office. I had also managed to still produce mortgages, and was not compensated, as they then said that I breached the employment contract, and the wanted to collect the entire guarantee back. They have threatened and now placed a collection on my account through XXXX, and that means that I was actually not paid at all for any of the full time XXXX month work that I performed.
Product: Prepaid card

I received a vanilla visa gift as a gift from my employer when I received the card it had been damaged and I could not use the card, I contacted the company who had me send a photo on my drivers license a utility bill with my name and address a picture of the gift card and receipt. I heard back from them stating I would receive a new card in 7 to 10 days that did not happen, I have USPS informed delivery and it never showed anything from this company. I called them to let them know this time they told me they would send another and email me with in 2 days again this has not happened. I emailed them and let them know that if they did not address the situation within 2 days I would be filing a complaint with you however they did not respond to that. The gift card was for XXXX XXXX dollars.I would like to get a refund or replacement card in that amount. 
Thank you
Product: Debt collection

I ordered stereo from XXXX XXXX, and it was paid by Affirm. I reached out to XXXX XXXX  that I did not receive the item and they said the Carrier who delivered said it was delivered and they would not do anything. XXXX XXXX said they will not refund me or send another item because XXXX said it was delivered and shut me out. I reached out to Affirm where I got the loan to pay XXXX XXXX and the did an investigation, they told me it was in XXXX XXXX XXXX  favor and to contact the Carrier who delivered it, I received information from Affirm to reach out to the Carrier which was OnTrack and they said because it took over 6 weeks they can not open a dispute and there was no notes XXXX XXXX ever reached out to me. I did another dispute with Affirm and they said they could do anything to Make XXXX XXXX refund me and I need to reach out to XXXX XXXX I have called XXXX XXXX and still to this day they have not called me. I sent an email and they just say it has been resolved and do not saay anything else. I am not paying for something I have never receive. I have used Affirm many times and now because of this I can not use them.
Product: Credit reporting, credit repair services, or other personal consumer reports

l, XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX 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 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. 

Account Name : XXXX  XXXX Account # : XXXX In accordance with the Fair Credit Reporting act XXXX  XXXX, Account # XXXX, has violated my rights. 

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.
Product: Money transfer, virtual currency, or money service

I received a XXXX indicating that I had a {$25000.00} balance regarding a CashApp account that had been set up suing my personal identifying information. I have no affiliation with this company and I am not aware how they got a hold of my personal information. I have contacted XXXX and they have opened up a dispute with CashApp but they do not have a valid phone number to be able to get through to a live agent and I continue to get the runaround. A fraud packet was sent to their fraud department on XX/XX/XXXX and per the tracking number : XXXX XXXX XXXX XXXX XXXX the documentation was received on XX/XX/XXXX at XXXXXXXX XXXX via their Cash App address XXXX XXXX XXXX XXXX XXXX, CA XXXX. 
This has been an ongoing investigation resulting of no response from this company and I want to confirm if they have received my fraud package and acted against this account that I have no control over. 
This account was opened some time in XXXX and I did not become aware of it until XX/XX/XXXX. The Account # : XXXX. I have set up fraud alerts with the three major credit bureaus and need assistance with the closure of this fraudulent account.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had multiple accounts opened in my name when I was incarcerated. I have provided proof to the creditors and they have refused to respond. I will provide proof that I was XXXX  from XX/XX/XXXX until XX/XX/XXXX.