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

on XX/XX/2017 I sent XXXX XXXX, experian proof of XXXX XXXX not holding and active license which make them unable to collect or to reflect any information on my credit report. I provided XXXX XXXX experian with the website and photo and it still has n't been removed. I went ahead an attached this to avoid from them saying they did n't see it.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list a account has violated my federally protected consumers rights to privacy and confideally under 15 USC 1681. 
XXXX XXXX : XXXX I looked at my experiarn credit report on XX/XX/year> and notcied some things are incomleted and not accurate. And according to the credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable produced to assure maxium possible accurancy of the informatin concerning the indovidaul about who the report relates according to 15 USC 1681 ( e ) ( b ) And according to 15 USC 1681i 5 they are suppose to this ( 5 ) Treatment of inaccurated or unverifiedble inforation ( A ) In generalif, after any reingestion under paragraph ( XXXX ) of any imformation disputed
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 student loans with the U.S. Department of Education. I am currently doing the loan forgiveness program. The loan amounts total is XXXX. My loans have been transferred to many different companies causing duplicate information for the same loans on my credit report. Ive tried asking each company to remove the duplicates from my file without any luck. My credit is suffering considerably. The companies listed on my file are XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, US Department of ed/XXXX/all opened XX/XX/XXXX, US Department of ed/XXXX/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX XXXX XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, XXXX opened XX/XX/XXXX, Dept of education/XXXX   opened XX/XX/XXXX, Dept of education/XXXX opened XX/XX/XXXX, XXXX XXXX XXXX/XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX XXXX opened XX/XX/XXXX, XXXX/XXXX XXXX   XXXX XX/XX/XXXX. Every one of these loans are for the same loan causing clutter and damage to my credit report. I reported this to XXXX and XXXX but nothing has been done. Please help me remove these student loans from my report and update my current loans with the US Department Of Education.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of dispute information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experiences, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the dispute accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Bank account or service

looking online XX/XX/2016 at the bank 's statement of my account, I noticed an electronic check that I did n't recognize. It was for the amount of XXXX and the only name on it XXXX. I called the bank and they referred me to call a number listed on their copy of the check ( their new website launched this week, the check copy does n't show a phone number, hidden ). The phone number given by the bank for me to call is XXXX. A lady answered quickly and said that someone had ok 'd a monthly charge online. For what exactly was left unclear. The person identified their company as a handling company for XXXX, and the transaction will be cancelled and a refund issued in a few days. As of XX/XX/XXXX no refund has been received.
Product: Debt collection

In XXXX, I received a notice from Midland Credit management with three lawyer names, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX. I called the number on the letter with the 3 lawyer names and got an account manager that was handling the debt. It was not any of the 3 lawyers listed on the letter. They would not transfer me to any of the lawyers on the letter either. I told them that I knew nothing about this debt as it was never reported on my credit report. I refinanced my house in XXXX and the loan officer pulled my credit to show me all the debt that I was going to pay off with the refinance. All checks were mailed out by the loan company to pay the debts directly from them. All remaining money was sent to me after the debts were paid off. This debt was never reported and I never received any notifications that MCM owned the debt. I have lived in my home since 2014 which gives them more than enough time to find me and they could have reported this on my credit report to show I had a negative debt against me. It would have been paid through my refinance. I called MCM and they told me to call the courts to get any information I needed about the debt since the judgement was sent to them. MCM could not answer any of my question about the debt or why they were not reporting it, or why they did not send me a letter saying they owned the debt and were trying to collect it. For some reason, they decided to send a letter to my old job to garnish my wages. It was denied since I did not work there. Then on XX/XX/XXXX, I got an email from my payroll because they were sent a letter to garnish my wages. I immediately paid the whole debt off even though I was trying to dispute because I do not know anything about it but I did not want to get garnished. It has been close to a month, I paid the debt, and they still took a payment from my check on the XX/XX/XXXX and on the XX/XX/XXXX. I tried to call them to find out why, and they could not give me any information. They just said the process has to complete and they have no control over the process. They could not tell me how long it would take to complete, if or when I would get my over payment money back which equals XXXX. That is two payments of XXXX. My payroll department still has not been notified that the debt is paid in full and I am still at risk of losing another XXXX for the next 2 paychecks and I do not know when I will get this money back because they will not tell me. This has been a strain on my living losing out on XXXX in a span of 2 paychecks with everything that is going on and with having to pay a debt that they will not prove I owe, did not contact me when I could have worked something out with them if they proved it to me, and forcing me to pay in full in the amount of XXXX even though I feel I do not owe it.
Product: Debt collection

My credit score is suffering greatly because of a collections that was put on my credit report for {$950.00} for an emergency room visit at XXXX XXXX XXXX. While I did visit the emergency room, I had a medical insurance ( charity care ) from XXXX XXXX, which completely covered the visit. Despite this fact, I found a collection on my credit report, filed by XXXX, in XXXX for the amount of {$950.00}. I filed a dispute against this fraudulent claim in XXXX, XXXXXXXX XXXX. I also contacted XXXXXXXX XXXX  Billing department, and was told that the problem would be dealt with. As it disappeared from my report, I thought this was completely dealt with. However, sometime this year it was put up again by a different collection agency ( Wakefield ), and I am back to trying to get it off a second time. In the mean time, my credit score has decreased over XXXX points because of this collections. Any assistance you can provide in removing this permanently would be greatly appreciated.
Product: Student loan

I need to send the paperwork showing that Im XXXX and the judge dated it since XXXX ; but I shouldnt be receiving calls everyday or every other day if no one has to pay until XXXX. Theyre saying my payments are late. They shouldnt call me until XXXX. I just printed my letter from the Social Security website and will be sending it. Navient doesnt leave a message and shouldnt be calling until XXXX. Theyve called me six times since XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Since pulling my report between XXXX and XXXX of XXXX, The XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX  accounts have all been removed as of the latest report pulled online with XXXX, Equifax, and XXXX, but inquiries from these accounts are still showing, with the exception of the inquiry reported to Equifax as XXXX. I also should also add that there was an attempt to start fraudulent account with XXXX caught during XXXX investigation.
Product: Mortgage

I am a XXXX XXXX who ordered a verification of mortgage with Freedom Mortgage. I faxed in my request along with the Borrower 's Authorization. When I followed up with Freedom Mortgage the first 2 times, they had verified that they faxed the verification of mortgage to the wrong fax # twice. Finally, on my XXXX call, they faxed the verification of mortgage to my correct fax #, however, they did not include a cover letter or their company name or contact number on the fax. The verification of mortgage showed the Borrower 's name, address, loan #, interest rate, loan amount, etc., but NO mention of the Lender 's name or contact #. I called Freedom Mortgage XXXX more times to explain that the verification of mortgage was NOT acceptable because the fax could come from anyone, anywhere and not necessarily from Freedom Mortgage. Due to fraudulent activities in lending, I asked Freedom Mortgage to resend the verification of mortgage with a fax cover letter so that I can verify that the fax is coming directly from Freedom Mortgage and not somewhere else. Freedom Mortgage assured me that they are only required to show the loan # on the verification of mortgage and their name did not need to be on the form. It was their customary business practice. I insisted that they send a cover letter with the form and they assured me that it would be done by XXXX XXXX, 2016 but I still have not gotten it. I am now on my XXXX phone call with Freedom Mortgage but they can not confirm if they can resend the verification of mortgage with a fax cover letter, their name or contact # on the form. I have escalated my request with a Manager at Freedom Mortgage 3 times and they have not assured me that this will be taken care of correctly. This is not an acceptable lending practice and should be investigated.
Product: Debt collection

XXXX XXXX has reported a collection debt on my credit file. 
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 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.

( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.

( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) [ 1 ] of this title.

( 4 ) The advertisement for sale of any debt to coerce payment of the debt.

( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.

( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the callers identity.
Product: Payday loan, title loan, or personal loan

RAPID AUTO LOANS TREATS TOWARD ME AND MY FAMILY IS WAY TO MUCH. 
XXXX YHEY WANT DUBLE THE MONEY FOR LOAN, NOT FAIIR
Product: Mortgage

My husband and I believe that we were victims of predatory mortgage scams under Wells Fargo.for our home we purchased in XXXX in XXXX XXXX XXXX 

Due to financial hardship in XXXX due to medical bills, we requested a payment arrangement and asked for lower interest rate. We were informed that our rate was fair market value for our neighbors. We found later that we were paying me on our property thsn homrs with almost 50 % mark up higher than our home When we relocated to Texas in XXXX, we were forced to foreclose
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX Balance : {$1600.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$650.00} ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$800.00} XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$28000.00} XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are incorrectly reporting me as an Authorized User on the XXXX/XXXX partial account number XXXX. ( Please see page 2 of the attached credit report. ) I called the bank and let them know that I did not give permission to be added as an Authorized User. I have contacted the bureaus to fix this issue however, I have not been successful. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 closed mortgage accounts which were fraudulently opened. XXXX XXXX XXXX XXXX and Caliber Home Mortgage.
Product: Credit reporting

I have file two offer complaints with Experian for not updating or removing account base on letterhead from child support asking them to remove any delinquency and account is up today {$0.00} balance. Compliant # 1 : XXXX on XXXX/XXXX/XXXX, Compliant # 2 : XXXX On XXXX/XXXX/XXXX. They remove delinquency but they still reporting a balance of {$180.00}. I file a complaint with XXXX and they updated account right away XXXX XXXX/XXXX/XXXX. There was no need for me to take any further action with XXXX they followed legal document sign and dated by Child support. Experian rather still report and remove what they feel like regardless what creditor who reported in the first place is asking to report or update with a letterhead. I also make a complaint with Attorney General, and XXXX letting them know what my experience with Experian as been very disrespectful. I attached a copy of the why Experian is reporting my account after they clearly know and contact child support and still showing a balance of {$180.00}. I attached a new letterhead from child support with Supervisor Signature stating the account as XXXX balance and do not report or remove any delinquency from this account. I attached XXXX Compliant and Attorney General complaint that Experian has to legally respond too. I should not have to go through all of this if Experian follows Letterheads from Creditors. If they still feel the need to get more information from the creditor do n't do it at the consumer expense they have more to lose. 30 to 60 days should apply to account that has no proof from the consumer.
Product: Vehicle loan or lease

When ever one of my car payments is due on a weekend Bank of America 's system does not update and show my payment. According to the finance manager upon acceptance of my auto loan, I was advised that I have a 10 day grace period. I have never gone pass the 10 day grace period, yet Bank of America 's collection department calls me non-stop all day to " collect '' on a payment that 's not late, nor past due. I have advised them to stop calling me as the payment was scheduled within the grace period and their systems do not update in real time. However, they continue to call. This is harassment and a violation of the Telephone Consumer Protection Act of 1991. They are collecting on a past due account that does not exist as the account is not past due. I demand that their executive office contact me and issue a formal apology for this harassment.
Product: Debt collection

On XX/XX/XXXX, Paypal was contacted in writing with a formal cease and desist request to stop any and all debt collection communication with me regarding my accounts. This included the standard Paypal account as well as a Paypal Extras Mastercard. I received a confirmation of this request back from Paypal later the same day, however, they have started calling me from various phone numbers from throughout the country. Most recently XXXX, Ohio and XXXX, Ohio. I attempted to reach out to them today, XX/XX/19 after this most recent phone call to ask them once more to acknowledge my request and to stop calling and they referred me back to the " settings '' option on their website to turn off text messages and auto dialed numbers. This had been previously done and when I advised the representative of that, they told me that it would take 3 days for the settings to take effect. I told them that this had been requested well over a month ago and clearly didn't work and I asked to speak to a supervisor and was refused.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE US Department of Education and XXXX XXXX violated " Privacy Act of 1974 '', and " Family Educational Rights and Privacy Act '' rights according laws and statutes in regards to the PRIVACY of my student education records. 


Per the Family Educational Rights and Privacy Act ( FERPA ), no unauthorized third-parties should have any supposed educational record and report them to data furnishers of any sort : The Family Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. 20 USC 1232g ( b ) No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

20 U.S.C. 1232g As a consumer I was never given noticed or authorized the transmission of personal identifiable information -- -- - In XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collector or a credit bureau, that the original creditor or collector, must provide account-level documentation. 


That means an original contract or similar proof, not just a printout of the payments that were made. Provide all DOCUMENTARY EVIDENCE from the public and private side according to GAAP that this is a valid and verifiable debt you are reporting and claiming the accused debtor, myself, owes.
Product: Money transfers

I am trying to use my credit union 's XXXX solution to send money real-time ( not ACH ) to friends and family. But, all the big banks refuse to accept the transaction real-time. It 's not because their network does n't participate. It 's because they are blocking the real-time ability. My family banks at XXXX, most of my friends have accounts at Chase and they tell me that their bank wo n't allow it because they want other financial institutions to buy their specific XXXX and not use others. I think this is collusion. The top couple large banks are creating a solution that they plan to sell to other smaller banks and credit unions. When you hold such a large percentage of the market, it 's too easy to create these situations that make it difficult for the smaller institutions to perform.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : I have made a vow to myself that I would work strictly on my report and be persistent to reach my goals. However. The credit bureaus is making this process extremely hard due to their unethical and lazy practices. This is my 4th complaint against them because the entire system is unfair, reporting unfairly, and calculating credit scores unfairly. I have noticed the bias and I will let this be known publicly until the right person sees what's going on. Now, I have been working on my report for years. Never ever received the results I was expecting even when I tried very hard to do so. I gave it a break to come back and this time I actually feel good with the progress I've made on my behalf as far as keeping my current accounts in good status. The credit bureaus calculations shows poor ethics if I were to go by the calculations. Something's isn't right!!!! All of this is bias and the world needs to know about this. I have over 7 accounts in good standing but 3 late payments are keeping my school In the low 500 's. How? Not only that, today, XX/XX/2021 a collection account balance decreased from XXXX dollars to {$0.00} and my score dropped 16 pts? From XXXX to XXXX. I don't understand. This is unfair. Experian has a full balance being owed for XXXX and the account was paid in full. ( I have a letter to prove it ). However, Experian claimed they investigated only to come back with the same information that was there before the dispute. Remind you it takes 45 days to close a dispute. That is too long to wait for a response from inaccurate information that was never verified. Them have to do the dispute again and waste 45 more days. I guess consumers doesn't have a life or goals. 90 days of delays, because my score is stagnant until then. There is nothing else to dispute on my report. I'm asking if someone can please take a look at my report. Something isn't right and I'm going to get to the bottom of this unethical act. It all seems bias to me because it's no way ... .people will miss this if they don't pay attention to what's going on. Please see attachments below. Thank you.