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

IN REGARDS TO EXPERIAN XXXX. XXXX XXXX XXXX TEXAS XXXX I HAVE SENT IN COUNTLESS LETTERS OF DISPUTES AND CERITIFIED LETTERS BEGGING AND PLEADING WITH THEM TO REMOVE FRAUDULENT INFORMATION OFF MY CREDIT REPORT THAT RELATES TO MY NAME AND HOME ADDRESS INFORMATION. I HAVE BEEN A VICTIM OF IDENTITY THEFT AND BY NO MEANS HAS THIS EVEN MOVED EXPERIAN BUT ACCORDING TO THE FAIR CREDIT REPORTING ACT THEY ARE SUPPOSED TO REMOVED THE INFORMATION IMMEDITATEDITY ONCE NOTIFIED WELL IT HAS NOT BEEN DONE AND I AM HIGHLY UPSET.
Product: Debt collection

I was involved in a car accident in XXXX of 2013. I was not at fault and the other driver 's insurance was to pay all medical expenses. The insurance company was XXXX and all expenses were paid in full. The collection angency has been in contact with me multiple times and each time I inform that that I am not responsible for this debt and they should contact XXXX. I am then told that it is my job to contact XXXX to collect the debt. I did not handle any of the paying of the other medical bills as all bills were paid directly paid by the insurance company. I then offered to pay the balance in order to remove this from my credit and they told me that I was irresponsible and they would not remove it even though I am paying a debt I am not liable for. This amount is affecting my credit score for an incident that I should have no part of.
Product: Debt collection

This company called me repeatedly and threatened me with arrest and jail. Put negative reports on my credit for collection. Ruined my XXXX XXXX. Needs to be removed from my XXXX report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information has not been updated as far as payments made on account. Although other credit unions updates my on time payment information experian is retaliating ( because of the complaints I made on them ) by not fixing error. The accounts that were paid off is XXXX XXXX  for XXXX and and XXXX XXXX  XXXX for XXXX. Other old accounts like XXXX need to be deleted because I have no knowledge of this account
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to inform you that I have received a copy of my credit report and it has come up with some errors. You reported several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 
I want this resolved as soon as possible so please remove all inaccuracies from your records before any bad consequences happen because these things can really harm someone's life. 
My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 
Also, my current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX! I am requesting that the information in my file be updated to reflect only my current correct address. Any address that you have on file for me that deviates from XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX is not accurate and should be removed immediately. 
I also ask that you remove any employers and phone numbers associated with my credit report. I do not AUTHORIZE you to retain or report any information, which consists of unverified claims about myself being potentially outdated or inaccurate. 
Please do not use old or incorrect information about me. I understand that you must complete this update within 30 days of receipt of my letter, which means it's imperative we get everything accurate!
Product: Debt collection

CBE Group is still reporting unverified debt that is n't mine on XXXX and XXXX. They have not only changed the spelling of my first name that was spelled, XXXX, at first and gone back, I believe had it changed too XXXX. I have never been XXXX NOR XXXX XXXX! Have ask for verification of this alleged debt belongs too me, XXXX XXXX. And if so, send the orignal documents for XXXX XXXX and has yet to seek. They 're not only reporting a debt that is n't mine but also sold this alleged debt to another company but yet still reporting on my credit profile that they own this alleged debt.
Product: Bank account or service

On XX/XX/XXXX, Chase placed a block on my checking account. This was not only inconvenient, as it left me without access to my funds, but it cost me {$15.00} out of pocket because I was in the middle of fueling up my vehicle with a {$1.00} per gallon discount. I was unable to fill up the last XXXX gallons and lost the discount. I called Chase twice, since they hung up on me after the first time. They were unable to advise me why they blocked my account. I asked for a supervisor to explain why the block occurred and was promised a call back within 24/48 hours. The called me back a week later to " apologize for the inconvenience ''. I asked the supervisor why the block happened and the sup told me that not only did she not know, but that she would have to forward my request to yet another department to get an answer and could n't give me a timeline for when it would be resolved. C'mon Chase, not only were you not honest when promising me a timely call back, but you did n't even resolve the issue when you did call me back. In addition, when I called on XX/XX/XXXX I was asked for my name, my address, my phone number, SSN, my debit card number, the expiration on the debit card, the 3 digit code AND the pin number. I gave all this to you willingly to verify my identity. Yet, even with all this information you FORCED me to use an automated system to " verify my identity ''. I advised the phone rep that it was absurd to have me provide the exact same information to an automated system, especially given all extensive list of sensitive information I already provided. They did n't care, so just to get through the XXXX with your company, I provided it..again. Your customer service is absolutely terrible, you do not uphold your commitments, your own employees have no idea how to explain why your processes do what they do, and you cost me money, time, and embarrassment when you declined me.
Product: Credit reporting or other personal consumer reports

Hello CFPB, In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dept of ED/XXXX XXXX XXXX XXXX, Dept of ED/XXXX XXXX XXXX XXXXXXXX, Dept of ED/XXXX XXXX XXXX XXXXXXXX, Dept of ED/XXXX XXXX XXXX XXXXXXXX,, Dept of ED/XXXX XXXX XXXX  XXXX, Dept of ED/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 MN CHILD SUPPORT ENFORCEMENT : # XXXX 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.

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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On two separate occasions, TIAA bank has taken extra payments which they were specifically instructed to apply to principal, and instead applied them as ordinary payments ( mostly going to interest ). 

First occasion was a payment of {$20000.00} on XX/XX/XXXX Second occasion was a payment of {$10000.00} on XX/XX/XXXX Each time, they were contacted by phone either prior to the transaction, or the day of the transaction to clearly indicate the disposition of the payments. 

I believe they are knowingly cheating consumers and engaging in deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I financed my mortgage with your company which means there should be no late payments reported on my consumer credit report, all charges are within the amount I originally financed.
Product: Credit reporting or other personal consumer reports

THE INQUIRIES BELOW DO NOT BELONG TO ME!!! I DID NOT INQUIRE IN ANY OF THESE AUTO LOANS AT ANY OF THESE TIMES! PLEASE REMOVE FROM MY CREDIT REPORT IMMEDIATLY. 

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 card or prepaid card

On XX/XX/XXXX I received money back from Carnival about a cruise I had purchased that was canceled. I requested on XX/XX/XXXX for my refund to be cashed out and my monies mailed back to me. On XX/XX/XXXX they filled my request per my statement. On XX/XX/XXXX I contacted them via online chat and they created a case number CBR! XXXX XXXX XXXX XXXX XXXX XXXX, about my check being mailed out and assured me that a new check would be issued since I had not received it. They informed me in the chat that it would be 7 to 10 business days and also to check with my local post office about not getting mail. Contacted again on XX/XX/XXXX about still not receiving a refund check and to wait and they told me that 7-10 business days had not occurred and to wait. Contacted on XX/XX/XXXX about still not receiving my refund. They created a new case number, XXXX, and said in 7-10 days they will send out a new refund check and to wait after that another 7-10 days. I asked them to escalate my refund, that as a credit card this would not be acceptable for them, why should I accept it. They said they can not, I do not believe that is is good business practices in returning my money. Money that was refunded to me in XXXX I will not receiving until XXXX, just seems ridiculous. 

I have verified my address with Barclay twice when I have complained. I have verified my account information, I have checked with my post office and carrier. I don't know what else to do.
Product: Debt collection

My complaint does not fit the options, so I chose the closest and will explain below. 

Last year, I had private student loans that I mistakenly thought were consolidated with my federal student loans. As a result, I was not making payments on three private student loans and they were sold to Kramer & Frank. I set up a payment agreement with them, which took automatic payments out for three months and then stopped. Since the first three payments were automatic, I did not notice that they had stopped after that. Kramer & Frank then garnished my bank account. I placed several calls to my Kramer & Frank account representative, XXXX XXXX, in XX/XX/XXXX and XX/XX/XXXX ( and left several messages ) with no response. Finally, I obtained an attorney. He was able to call XXXX and get me set up on a payment plan in a matter of days. I have been on this payment plan for all three accounts since XX/XX/XXXX. I have to make these payments in person every month, because Kramer & Frank will not allow me online access. When I try to call in and make a payment over the phone, they have my cell phone automatically flagged to go straight to XXXX XXXX 's voicemail, which he never returns. Needless to say, I have been making payments on these three individual accounts in person since last year. When I went to their office on XX/XX/XXXX, and was informed that once of the accounts had been closed on XX/XX/XXXX and recalled by the original lender, XXXX XXXX XXXX. I had not been notified previously that this was happening. They would not accept my payment. When I asked for a contact number for XXXX XXXX XXXX so that I could figure out how to make a payment, the woman at the counter gave me a phone number, and said that it might not be a good number, but to try anyway. She also said that she did not know anything whatsoever as to why my account had been closed, or what I was supposed to do about it. After leaving, I called the number that she gave me ( XXXX ). This company appears to be another collection service that sometimes represents XXXX XXXX XXXX. I gave them all of my information, and they said that all three of my private loans were still with Kramer & Frank, and they have received no communication from Kramer & Frank about getting the loans back. I asked them what I should do, and they said to call Kramer & Frank, who then told me to call the other company back. As a consumer just trying to make a payment, I am incredibly disappointed with the lack of communication that I have received from Kramer & Frank, as well as the lack of interest in helping me. I am aware that it is my responsibility to make payments, however I have not been given any reasonable way of doing so, and I am sure Kramer & Frank are reporting me as not paying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the account XXXX ( XXXX XXXX ) {$720.00} with Experian and XXXX and the incorrect information is still there. I do not know who ( XXXX XXXX ) is. I have never signed an agreement with ( XXXX XXXX ). They should NOT be on my credit profile. 

I disputed the account XXXX ( {$460.00} ) with Experian and XXXX  and the incorrect information is still there. I do not know who XXXX is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I disputed the account XXXX with Experian and XXXX and the incorrect information is still there. I do not know what this XXXX account is. I have never signed an agreement with XXXX. They should NOT be on my credit profile. 

I sent disputes about the above accounts on the following dates : XX/XX/2020 XX/XX/2020 XX/XX/2020 The errors still exist
Product: Credit reporting, credit repair services, or other personal consumer reports

I reported a case of fraud on my XXXX XXXX  credit card to CFPB, Case # XXXX. Though CFPB 's intervention resulted in a XXXX XXXX  investigation, and a promise to reverse the charges, I now learn that my credit rating has been downgraded by XXXX points. This incident was reported as a delinquency and the bank never corrected the problem with the credit reporting agencies. XXXX XXXX  should have informed the credit bureaus that this was a matter of fraud and ensured that it had no negative impact on my credit rating. 

I have always had excellent credit. This matter took place because of no fault of my own but was entirely due to the lack of adequate security at XXXX XXXX. I have spent many hours on the phone with the bank representatives, and in written correspondence exchanges to get this situation resolved. And now, as you can see from the credit card statement I received yesterday from XXXX XXXX, instead of identifying the problem as fraud, it lists numerous " adjustments '' that are labeled as reverse charges. XXXX XXXX  has mishandled this entire matter from the beginning.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer credit report and noticed I had XXXX late payments on an account that I for sure paid on time. The consumer reporting agencies have assumed a vital role and have a responsibility to report my consumer information with maximum accuracy. I for sure paid my account on time and was not late on the months in question. I have included screenshots inside this complaint of the inaccurate payment reporting on dates XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were paid late. If proof can not be provided, I demand these payments be updated to paid as agreed on time. I paid the payments on time ; my credit report should reflect that. Thank you! Please see screenshot attached.
Product: Credit reporting or other personal consumer reports

I am demanding the deletion of public record the bankruptcy that is currently reporting with your company as you are. not able to verify the accuracy of this information. If you can verity this account, please forward me the appropriate information, In accordance with the Fair Credit Reporting Act EXPERIAN has violated my right 15 U.S.C.1681b 602 A States I have the right to privacy 15 U.S.C. 1681 SECTION 604 A Section 2 A consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting or other personal consumer reports

I have been disputing multiple items on my credit report for an extended amount of time and have yet to be provided with any verification of alleged debt and said public record. As per the FCRA, you were required to conduct a reasonable reinvestigation and modify or delete the disputed information as i requested before the end of the 30-day period. Instead, you sent me results of remaining accounts/records. It's clear you have willfully failed to modify or delete the disputed information, you willfully failed to conduct a reasonable reinvestigation of my disputes because I still currently have a collection account ( XXXX  ), charge offs and a bankruptcy reporting on my credit report. According to FCRA sec 605b, it's illegal to report information on my credit without my permission. Also, while these items were in dispute the company failed to follow FCRA rules of cease and desist of collection and communication including through any mediums, which includes reporting to bureaus. Charge off accounts according to the IRS publications are considered income. Income isn't allowed to be reported to any credit reports ; therefore, must be deleted promptly. These collection accounts i've requested to receive actual PROOF of debt ownership, proof of my wet ink signature on contract with said debt collector, method of verification and valid right of collection. Your failure to properly investigate is an intentional and/or negligent FCRA violation . For this alleged bankruptcy I have done my due diligence, by contacting the listed bankruptcy court for verification. They are not a data furnisher of this alleged bankruptcy. They have provided me a letter stating they do not report any information to any reporting agency! However, they're listed on my report as if the courts reported this information to them. I have made copies and sent this letter to all 3 credit bureaus. XXXX was the only one to delete the public record. Furthermore, I have also sent the letter to XXXX  XXXX and they sent a letter notating updating and deleting the bankruptcy from my record as well. As a result of your conduct, you should promptly delete the disputed information. Since it has now been multiple disputes with no verification or valid updates. You lie to deceive your clients and ruin reputations. The reporting requirements do not comply with the FCRA 611- 15 USC 1681 and the information must be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Employer : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX  AZ XXXX Inquiries : XXXX XXXXXXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX Experian Name : XXXX XXXX XXXX XXXX XXXX Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had XXXX late payments on this account that I was in fact paid on time. 
The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my credit report to this complaint on the following dates foXXXX XXXX XXXX XXXX Account # XXXX XX/XX/year> XX/XX/year> I'm now requesting you to investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including my correct address. 

XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes attached XXXX is reporting an alleged open date of XX/XX/XXXX while Experian is reporting an alleged open date as XX/XX/XXXX for the same alleged credit card debt listed on my credit report. The accounts listed on my credit report have not been validated on neither credit bureau behalf. I am requesting proof which includes original documents baring my signature. 

For another account all three credit bureau are listing the alleged debt as a charge off. I've sent a dispute requesting for proof of the original documents baring my signature and received a response stating account has been " updated ''. Also listed on my report is says " unpaid balance reported as loss by credit guarantor ''. The alleged debt has been sold and the credit card company is in violation of laws listed in my dispute attached.
Product: Student loan

I have had to forbearance my loan and the percent increased so much. I am currently looking into the school I attended. Because I did n't finish but I never received the balance left. And I do n't believe it was reported back to Navient.