23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Information has been reported on my credit report that is FALSE. There are accounts that i have no knowledge of reporting on my credit reports. There are inquiries that I did not give permission for on specific dates listed on the FTC report from multiple companies, this information is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I disputed Credit Collection Services and XXXX XXXX on my XXXX  Credit Report. I received a notification on XXXX that the information is correct and accurate. This claim is fraudulent and the credit reporting agency refused to remove this negative mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I am doing everything to keep my credit score high. On XX/XX/2020 I get an email that my score went up to XXXX. It said I had no negative factors affecting my score. It says low revolving debt and no late payments. It shows how much I owe in credit card debt {$170.00}. The total amount of debt of I owe is {$500000.00}. I have a student loan, home and a car. For the last 2 years the debt total has been this high but I have been paying on time, so I don't have any negative marks on my credit. On XX/XX/2020 I got an email saying my score went down 25 points. I have a screenshot of the report. it doesn't say why it went down but My credit card debt went down to {$0.00}. The total debt I now owe is {$500000.00}. Ince I complaint, my profile was updated to show " what is hurting my score is loan balances. " The remaining balances on your installment loans is too high '' .This should not effect my credit in a negative. So I called Experian. I have been keeping up with all my payments so I don't understand why it went down. They said I needed to contact XXXX   score. Then I called XXXX Score and they said they have nothing to do with Experian and Experian has their own scoring system which is called XXXX XXXX  XXXX. Then I called Experian and they said because I have have a high amount owed to student loans and my house. But I have the same amount of debt and I had a score of XXXX XXXX weeks earlier. They said the system does the scoring. This is bad practice and illegal activities. They need to be investigated. They then updated my profile 4 times in one day. But i was told they only update once a month.. 
The problem here is that with the same total debt, experian is giving me 2 scores. Please help fix this problem
Product: Student loan

I attended XXXX for my XXXX, XXXX degree and completed back in 2013. The cost of this degree was over XXXX. I exhausted my federal student loan monies and to complete my degree had to sign a private loan through XXXX which is managed through XXXX ECSI. My monthly payment has gone up to {$320.00} dollars monthly, which does not include my other private loan through XXXX XXXX and my federal loans that are currently being repaid. I have continued to ask for assistance bringing my monthly payments down so I do not default on this particular loan and will get assistance for XXXX months but after that it goes back up to the original amount of {$320.00} per month. I can not afford this kind of money on just XXXX loan and need assistance finding a way to get this monthly payment down. Can you please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a follow up to my previous CFPB Complaint I submitted on XX/XX/XXXX. On my CFPB Complaints, I requested that the Credit Bureaus remove the fraudulent accounts and information that are reporting on my Credit File. Under the Fair Credit reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit file. Although that some of the disputed items were removed, there are still accounts that remained and should also be removed from my Credit File. The Credit Bureaus are expected to comply with the Federal law and have the disputed accounts removed. Once again, I was a victim of identity theft and the disputed accounts and information were the results of such crimes, therefore the Credit Bureaus must remove the fraudulent accounts and information as soon as possible. Here is the list of fraudulent items that should be removed as soon as possible : 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 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: Money transfer, virtual currency, or money service

I closed my account on XX/XX/XXXX and I was told that I would receive my deposit on XX/XX/XXXX within 1-2 day. That never happened. The company is giving me the runaround about my money
Product: Credit reporting or other personal consumer reports

The presence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and XXXX XXXX that this negative rating has caused me and will continue to cause until it is resolved.
Product: Debt collection

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 Account # XXXX ( input accounts ), 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: Credit reporting, credit repair services, or other personal consumer reports

I started my debt dispute journey by sending a certified letter to all three agencies, XXXX, Experian and XXXX on XX/XX/XXXX. I looked on XX/XX/XXXX to see they put my new name but kept my old as also known as. In my letter I said I wanted them to replace my name and remove all versions of the old and listed the old in every way they had it listed, this was court ordered due to XXXX XXXX. I also asked that they remove all addresses on file and use only my correct safe at home address given to me by the secretary of state program, safe at home. Under three law they have to use the XXXX XXXX as my physical address, they did not. I also stated my only phone number and remove all old, they did not. I sent another certified letter in second request form to fix it. On XX/XX/XXXX They refused. I can't move forward with disputing things on file until this is completed. In these I included clear printouts of my current non expired Minnesota state IDXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, social security card and Court order.
Product: Credit reporting or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear transunion XXXX XXXX XXXX XXXX Attn : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX - XXXX Picture of proof included XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX PAYMENT HISTORY CHANGE FROM XX/XX/XXXX & XX/XX/XXXX was change too XX/XX/XXXX & XX/XX/XXXX. 


PAY STATUS : HAS NOT PUT 120 DAYS IN THIS SECTION REMARKS : NOT SHOWING NOTICE OF DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX IS REPORTING MAXIMUM DELINQUENCY : XX/XX/XXXX & 90 DAYS LATE PAYMENTS IN PAYMENT HISTORY : THERE NOT ANY LATE PAYMENTS BUT THE ACCOUNT STATUS SAYS I HAVE 90 DAYS LATE. 

Remarks : THERES NO NOTICE OF DISPUTE PAYMENT HISTORY : THERE NO LATES & PAYMENT HISTORY HAS BEEN XX/XX/XXXX IN IS NOT REPORTING ON XX/XX/XXXX & THERES NOT ANY LATES IN PAYMENT HISTORY XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX from these dates. 

Want both ACCOUNTS removed If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. Section 623 ( a ) ( 3 ).

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies Reporting information with actual knowledge of errors 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. 

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

There is inconsistency in credit card information on my account showing under portfolio association. One says derogatory and the other says unknown payment status. Also it has the original creditor name but no buyers name in the information. I would like a letter of verify my debt, that shows my signature. Also I would like the name of the individual whom I was said to sign with. Also the payment history is inaccurate and has inconsistency.
Product: Credit reporting, credit repair services, or other personal consumer reports

Enhanced Recovery is reporting an old account on my credit file that I would like removed. I have settled the debt with them and ask that this account is removed from my credit file. Under the FDCPA, I have the right to dispute this account. I am aware that your company has the ability to remove any account since you are the original furnisher. I have settled the debt with you and am now asking you to provide a letter to the bureaus stating this account should be removed from my credit file. If I do not receive your postmarked response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.
Product: Credit reporting or other personal consumer reports

I sent the follow letter to XXXX XXXX Unit XX/XX/2024 XX/XX/2024 EFFECTIVE IMMEDIATELY and INDEFINATELY : Per the FERPA, as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you - written and/or unwritten, verbal and/or non verbal - per 20 USC 1232g and 34 CFR Part 99. 

Do not report to any consumer reporting agencies including but not limited to XXXX, XXXX and TransUnion.
Product: Checking or savings account

Complaint Statement Regarding Fraudulent Charges with Chime Credit Card To Whom It May Concern, I am writing to formally express my dissatisfaction with Chime regarding unresolved fraudulent charges on my account. I promptly reported these unauthorized transactions in accordance with the procedures outlined under federal law, specifically the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666, which mandates a thorough investigation of disputed charges and requires creditors to correct billing errors within two complete billing cycles ( but no more than 90 days ). 

Despite my compliance with Chimes investigation process and adherence to these federal guidelines, I have not received a refund or satisfactory resolution. The inadequate investigation of these fraudulent charges by Chime violates not only customer trust but may also be a breach of Regulation E ( Electronic Fund Transfers Act, 12 CFR Part 1005 ), which provides protections against unauthorized electronic transactions. These regulations require prompt and fair investigation procedures, as well as a provisional credit while the dispute is under reviewnone of which I have received. 

I respectfully request immediate action on this matter, including a full refund for the fraudulent transactions. Additionally, I ask for a detailed report of the investigation, including the specific steps taken to address my concerns. Failure to act promptly could leave me no choice but to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or pursue legal remedies. 

Please treat this letter as formal notice, and I look forward to a swift resolution. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT XXXX ) as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within XXXX business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS that are not associated with me. 
All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. 
In addition, I request the immediate removal of the following fraudulent ACCOUNTS from my credit report. 
ACCOUNTS : - XXXX ACCOUNT # XXXX OPENED ON XX/XX/year>.
Product: Mortgage

Since XX/XX/XXXX I have had a mortgage on my home a few years ago the mortgage was taken over by a company known as OCowen XXXX XXXX XXXX, XXXX XXXX XXXX, Florida, XXXX. I have never missed a payment and in fact make additional payments so that I can pay it off early. This was not a problem until XX/XX/XXXX. When I went into the company website to make an additional payment I found they had changed things and any additional payment would cost me {$7.00} for each payment. This is insane I want to give them money and pay off my mortgage sooner and they want to charge me? This is so wrong and needs to be stopped.
Product: Student loan

XX/XX/XXXX received email stating ICR plan was recalculated to {XXXX} XX/XX/XXXX received email stating payment will be extracted XX/XX/XXXX. 
XX/XX/XXXX XXXX notified XXXX XXXX that I was in school. My loans were placed on in-school deferment XX/XX/XXXX to XX/XX/XXXX. I wanted to be on deferment at this time. XX/XX/XXXX to XX/XX/XXXX interest was paid. 
XX/XX/XXXX received a letter stating that annual recertification is coming soon. 
XX/XX/XXXX completed IDR plan request and mailed it. Question # 4 was answered yes that I want to start making payments under this plan immediately XX/XX/XXXX received letter saying IDR was recalculated to {XXXX} and due on XX/XX/XXXX. Letter also states that I am enrolled in direct debit and we will continue to debit your account for your new monthly payment amount. 
XX/XX/XXXX payment was made of {$260.00} XX/XX/XXXX Received a direct debit bill and that the total to be extracted is {XXXX}. Letter also states that I was enrolled in direct debit and the total of {$260.00} would be extracted. This did not occur. 
So from XX/XX/XXXX to XX/XX/XXXX no payments were made. 
XX/XX/XXXX received a direct debit bill and that the total to be extracted through direct debit would be {$260.00}. This payment did occur. 
XX/XX/XXXX received email stating that payment is due and direct debit will occur on XX/XX/XXXX. 
XX/XX/XXXX mailed in School Related Deferment Waiver form and stated on it to continue payments starting XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and this is not a third party filing this complaint. I am writing to express my concerns regarding the investigation practices of the three major credit bureaus : Experian, XXXX, and XXXX. Many consumers, including myself, have experienced significant difficulties when dealing with inaccuracies in our credit reports and the subsequent investigations launched by these bureaus. 

Despite the Fair Credit Reporting Act requiring that these agencies conduct fair and thorough investigations into disputes, the reality has often been different. There are numerous reports from consumers suggesting that the investigation process is neither thorough nor transparent. Many disputes receive cursory reviews, with inadequate attention given to supporting evidence provided by consumers. 

Additionally, the timelines for resolving disputes appear to be frequently extended, with little communication from the bureaus regarding the status of these investigations. This lack of transparency fosters distrust and raises questions about whether consumers ' rights are being adequately protected. The practices employed by these credit bureaus can have serious repercussions on consumers access to credit, employment opportunities, and overall financial health. As such, I urge the CFPB to investigate these practices and ensure that the rights of consumers are upheld. It is vital that these agencies adhere to regulations and provide consumers with the protection they deserve.
Product: Debt collection

On XX/XX/2019, XXXX XXXX notified me that a Major Derogatory was filed on my credit report for a collection in the amount of {$680.00}. The reported name of the creditor is : Radius Global Solution, XXXX XXXX XXXX, XXXX XXXX, XXXX, MN XXXX ; phone - XXXX. 

I do not know what this company is, nor have any contact or correspondence from them regarding a debt. Thus, I can not dispute the " debt '' with them since I have not received any billing or correspondence from them. I live in Texas and do not do business with any entity in Minnesota. 

I have not contacted the reporting company as i would have to confirm the information they have ; and since my social security number was likely stolen, I will not contact them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered a negative mark ( rental history collection in the amount of {$3100.00} ) on my credit score as inaccurate because I satisfied the requests by then XXXX XXXX XXXX. I was asked to provide a XXXX notice ( to be notarized by a state certified individual ) and pay a reletting fee equal to XXXX rent due in order to relocate for work and school. I requested XXXX, leasing agent from XXXX XXXX XXXX XXXX, to confirm the original collections agency the alleged debt was sent to. She confirmed collection was sent to XXXX XXXX XXXX XXXX ( phone number XXXX XXXX ) XX/XX/XXXX. I reached out to XXXX XXXX to verify the information provided to me and a representative confirmed the alleged debt and information related to my file was never received. 

I followed up with XXXX XXXX XXXX ( the reported agency reflected on my report ) to verify they received the collection as reflected on my credit report. I spoke with a representative who alleged the debt was received between XXXX and XXXX of XXXX, no specific date provided. I requested XXXX XXXX Services provide all documents pertaining to my file ( invoice, breakdown of costs/fees incurred, proof of receipt of reletting fee paid, copy of lease agreement and copy of XXXX notice ) via email by XX/XX/XXXX and never received the requested documents. Because of their unresponsiveness and inability to provide the documents needed to dispute the alleged debt to the major credit bureau , I am filing a complaint to the CFPB to mediate the removal of  this item from my Equifax credit report in order to accurately reflect my true credit history.
Product: Credit reporting or other personal consumer reports

I am writing to you as a concerned consumer regarding the accuracy and fairness of the information contained in my credit report. As you are aware, the Fair Credit Reporting Act ( FCRA ) ( 15 USC 1681 ), which was enacted to promote the accuracy, fairness, and privacy of information in the files of consumer reporting agencies, grants me certain rights to ensure that my credit report is correct and that I am treated fairly in the credit reporting process. 
Under the FCRA, I am entitled to the following rights : The Right to Accurate Reporting The Right to Dispute Inaccurate Information The Right to Be Notified of Adverse Actions The Right to Limit Access to My Credit Report The Right to Privacy and Confidentiality The Right to Seek Damages for Violations I am asserting these rights in my dealings with your agency to ensure that my credit report is accurate, complete, and reflective of my true credit history. Any discrepancies or inaccuracies should be promptly corrected to avoid any adverse impact on my creditworthiness. 

XXXX XXXX XXXX XXXX
Product: Debt collection

I recently reviewed my credit reports and discovered accounts that appear to be inaccurately reported. I contacted the companies directly to address these discrepancies, but they have failed to provide the required validation information as outlined under 12 CFR 1006.34 ( b ) ( 5 ). Despite this, the accounts remain on my reports, which I believe is a violation of my consumer rights. 

I am requesting that these accounts be removed immediately or that the company provides full validation as required by law. Their failure to comply has caused unnecessary stress and potential harm to my creditworthiness.
Product: Credit card

Good evening. My name is XXXX XXXX, and I applied with capital one credit with 0 interest fees as to what was advertised. I applied for these cards in XXXX in hopes of building my credit. I have been making on time payments with direct draft from my checking account of the monthly amounts owed with additional payments. I pay off the balances and I am still charged ( 2 ) ongoing interest fess which are continually added to my balance. This predatory practice of both totaling 35 % -40 % is not what I signed up for. I never agreed to these charges. I am a victim of fraud, and this company has continually increased my principal balance on these substantial interest fees alone when I have paid off most of these balances on time with additional payments. This is a direct attempt in pressing the consumer in paying substantially more than what is actually owed. I would like to file this complaint against this agency for this has cost my credit, mentality and wellbeing substantial damages. Due to this. I have not been able to get good credit as I was using this to build my credit. I have not been able to purchase a home due to this practice. Can this please be investigated immediately. I feel I have been taken full advantage of in this situation wis is a predatory practice of the client consumer trust. Can someone please help. I definitely would like to file my claim in for financial damages against Capital One at this point. For I have many setbacks due to this law violation of price and interest gauging. 
Credit Card # XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX Defendants. 
XXXX XXXX Document 1 Filed XX/XX/XXXX