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

XXXX known knowledge, never had an account or contract i have not worked in 8 years, i have not applied for credit i have been XXXX XXXX XXXX for a year GRAIN TECHNOLOGY INC Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$1.00} written off. {$73.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$53.00} Balance updated XX/XX/XXXX Recent payment XXXX XXXX Monthly payment {$0.00} Credit limit {$1000.00} Highest balance {$100.00} Terms NA On record until XX/XX/XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the following items are one my credit report i didn't apply for none of these accounts i didn't use none of these accounts Account numberXXXXAccount statusClosedDate openedXX/XX/XXXX loan amount XXXX XXXX XXXX XXXX XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX $ Original creditor : Account number XXXX Collection opened XX/XX/XXXX XXXX $ Account type XXXX XXXX XXXX XXXX XXXX XXXX Collection AccountAccount number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXXXXXX XXXX XXXX XXXX Account number XXXX Collection opened XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened Indicates the date the collection account was opened XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Account number XXXX Collection opened XXXX XXXX, XXXX XXXX $ XXXX XXXX XXXX XXXX XXXX  Account number XXXX Collection opened XX/XX/XXXX XXXX $ XXXX Account number XXXX Account status Open Date opened XX/XX/XXXX loan amount XXXX
Product: Debt collection

I am writing to formally report a case of identity theft that has significantly impacted my credit. I discovered a fraudulent account with XXXX XXXX XXXX ( XXXX ) opened in my name. I immediately reported this to XXXX and filed a dispute with them. However, despite my efforts, I have not received any updates from XXXX, and the fraudulent account remains on my credit report and is now in collections. 

As a victim of identity theft, I have had to take numerous precautions to protect my identity, including obtaining an Identity Theft PIN from the IRS after discovering that someone was filing taxes under my name. 

The presence of this fraudulent account on my credit report continues to harm my financial standing, and I am deeply concerned that this issue has not been resolved. I am requesting your assistance in investigating this matter, ensuring that the fraudulent account is removed from my credit report, and providing any guidance on further steps I should take to protect my credit and identity. 

Thank you for your attention to this urgent matter.
Product: Vehicle loan or lease

Wells Fargo tried to charge me extra for a part of the loan that was never discussed.
Product: Student loan

Nelnet claims that I " missed '' payments but can not tell me when I missed those payments. The consequence of missing a payment is that I have been removed from an incentive program for a 0.8 % interest rate reduction. I have been alleged to be delinquent. However, I have been on an IBR for years. I called Nelnet multiple times to get evidence of when I missed a payment. Nelnet officials repeat the line that I became ineligible for the incentive program due to missed payments. But they can not find the specific information of when or what payment I missed. I am worried when a loan provider uses the word " missed '' which has negative connotations in the credit industry. I am also worried that I have been wrongly removed from an incentive program. I have not missed any payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently checked my credit report and seen inquiries I did not authorize 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 equifax XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Billing error 12 car 1026.13 ( 6 ) requested additional clarification. 
Time for resolution : given 30 days and defiled the requirements from 12cfr 1026.13 15 USC 44 ENHAMCED RECOVERY COMP. DID NOT MEET Requirements under 1026.13 and 15 usc 1666 ( d ) correction of billing UH. I now have a violation of law against ENHANCED RECOVERY R.

REMEDY FOR NATURAL LIVING WOMAN AND BENEFICIAL OWNER. YOU ARE CIVILLY LIABLE TO ME UNDER IMPOSED SUBCHAPTER WITH RESPECT TO ANY CONSUMER ANY CREDITOR WHO FAILS TO COMPLY WITH RESPECT TO ANY CONSUMER IS THE. REDITOR UNDER 15 usc 1602 ( e ). 

Notice and demand for cease and desist was given on XXXX I will upload all documents as certificate of authentication
Product: Credit card or prepaid card

there was a transaction made on XX/XX/XXXX a withdrawal from XXXX ATM machine in the amount of {$300.00}, few days later I found out and immediately reported the matters to XXXX XXXX, they immediately closed the account and re issued me another card, and on XX/XX/XXXX they sent me a letter stating that due to suspicious activity there is a pending investigations, and I will not be held responsible to fraudulent activity, then on XX/XX/XXXX they sent me a letter stating that they completed the investigations base on their research the transaction is valid, I was surprised and shock they put back the whole amount and interest charges to my account, they base their conclusion on the previous transaction which I told them that those previous one is mine and the one iam disputing is NOT mine and somebody used my card, this is  unauthorized charges somebody use my card because the PIN no is written on the back of the card, I went to police station to file a police report as per request to me and I immediately sent the copy of the police report to them, what frustrate me most is they are not communicating to me, I keep on initiating to call them on a weekly basis, where is now the policy that any unauthorized charges iam not responsible, the way they conduct their investigation is unacceptable, please help me, why should I be responsible if the transaction is unauthorized, all credit card company is saying zero liability if there is unauthorized charges a consumer is not liable, I myself conducted a investigation because I want to know who use my card I even ask the head of the security to help me but I need a lawyer to do that and a judge order to be able to see the video or cctv footage, please advice and help me thank you so much
Product: Debt collection

Newman, Hesse and Associates filed a garnishment with my employer using a false court case number. When i looked the case number up in court records it came to a different person and county. Also I was not notified about the gatnishment either by the agency or my wmploywr before the money was taken from my check.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting negative inquiries on my consumer report illegally without my consent. Inquiry details 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 card or prepaid card

XX/XX/XXXX : I received a notice from Chase informing me effective XX/XX/XXXX that the interest rate on my Mileage Plus XXXX Credit Card will be jumping 52.6 %, from 9.49 % to 14.49 % The specific reason is that " We are changing the Annual Percentage Rates ( APRs ) as described because your APRs are below the lowest APRs we currently offer on similar accounts. '' Notice they're saying the rates are too LOW compared similar cards, NOT the same card. 

For no reason other than they feel that I'm not paying enough. Too LOW. Chase is being nothing but greedy XX/XX/XXXX : I called Chase customer service. I spoke to a representative. I spoke to a supervisor. They don't care. In their eyes, the agreements we signed previously don't hold up. They feel we're paying too little. 

When I challenged them as to if they would lower the rate if similar cards had lower rates, they said no. 

I pay an annual fee in line with agreement. I pay my bills on time. I have had this card for almost 20 years, and for no reason, Chase decides to be greedy and try to gouge me and others. 

I accepted the rate hikes in XX/XX/XXXX as a result of the CARD Act as reasonable.

I accept that my rate can change subject to Prime changing.

I can not accept that Chase has decided my rate is too low and they're not making enough money off me compared to Similar products. I didn't sign up for a similar product. I signed up for a SPECIFIC product and Chase should honor the contractual agreements around it.

I am asking the CFPB to investigate my situation and others who are impacted by this decision. I would like to ask CFPB look into the rationale behind this decision by Chase Management.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Please remove these files. XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX XXXX XXXXBalance : {$23000.00} ; XXXX XXXX XXXX XXXX Balance : {$6600.00} ; XXXX XXXX XXXX XXXXBalance : {$5000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX ; TXXXX 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 ; If the creditbureaus feel there is a possibility these items belong to me I will require all documentation that bearsmy signature ( another research item I found that requires you to verify with 100 % accuracy that eachitem is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nordoes my attorney. SO please comply with the law so this matter can be handled swiftly..
Product: Credit card or prepaid card

I was contacted on my cell phone on XX/XX/XXXX and a message was left by someone identifying themselves as " XXXX calling from US Bank on behalf of XXXX XXXX '' and asked me to contact her at XXXX and provide reference number " XXXX '' I did NOT return this call. 
I then received a letter in the US Mail on XX/XX/XXXX that was dated XX/XX/XXXX with the only letter head identifying : " XXXX XXXX '' at XXXX. XXXX XXXX XXXX, ND XXXX. 
The letter informed me that they had received an application for an account with my name and personal information on XX/XX/XXXX via the internet. 

They then identified themselves as : XXXX W Fraud/Risk Analyst Toll Free XXXX ext XXXX Fax XXXX I did NOT call them but did call the Fraud reporting line at US Bank Credit Cards and they verified that none of the numbers in the above letter are in their data base and they believe it is likely fraudulent. 

On the internet search I made it appears that MANY people have received phone calls from the XXXX number listed above. 

Thank you!
Product: Debt collection

I contacted BMW Financial services around XX/XX/2019. They responded ( attached ) in a rather evasive manner. I am not affiliated with any Credit Repair companies and would appreciate a timely response into the matter originally inquired ( attached ) .Please do not contact me by telephone and communicate in writing only please. This is the second Cfpb complaint I have had to file about this company ( 1st one XXXX )
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple fraudulent accounts that have been reported under my name and appearing on my credit report. I have never opened nor authorized the following accounts, and I am demanding immediate removal and correction of these inaccuracies : Account Number : 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  These accounts are the result of identity theft and unauthorized activity. Under the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate information and have it promptly removed. I have enclosed the following supporting documents for your reference : A copy of my government-issued ID. 
A copy of my utility bill for address verification. 
A copy of the police report/identity theft affidavit ( if applicable ).
Product: Money transfer, virtual currency, or money service

I contacted bluebird customer service on XX/XX/XXXX about my account was locked. They started an investigation which will take around 6 months to complete. I called again on XX/XX/XXXX. The operator said due to covid they have to re evaluate the investigation. I still have {$400.00} remaining balance which I still have not received till today. Please help.
Product: Credit reporting or other personal consumer reports

A COLLECTION CHARGE OFF WAS ADDED TO MY CREDIT REPORT AND IT NEEDS TO BE REMOVED IMMEDIATELY THIS CHARGE OFF IS INACCURATE AND INCONSISTENT AND IT VIOLATED MY CONSUMER RIGHTS COLLECTION CHARGE OFF IS XXXX XXXX DATE OPENED XXXX ACCOUNT NUMBER IS XXXX  I need this removed immediately
Product: Debt collection

Received a letter or what looks like a summons to appear at hearing on XX/XX/XXXX from Midland Funding LLC C/O someone named XXXX XXXX. 

The " summons '' is not dated, not on any XXXX County letter head, there is no record of the case number, I called the XXXX County Clerks office, no clerk of court stamp nor does the letter give any amount of money I supposedly owe. I do not know this person nor do I owe any debt to Midland Funding LLC. I do not know who they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX will not answer the phone or will not route it. 

They sent me out an information form and didn't respond to my request to show that the student loan WAS PAID off and the student loan said GOOD STANDING. 

There are many remarks online about getting a number to actually contact XXXX. 

They try to sell me stuff EVERY DAY, but can't take the time to delete this loan, and in good standing.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the FCRA to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unverifiable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, 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 disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

Asked to dispute the accounts because they were not verified, By XXXX and the information is not accurate. XXXX said the accounts could not be verified, so how were they verified with XXXX.
Product: Mortgage

Im on a payment plan with my lender. They called and text and harassed me saying I didnt make my monthly payment and I did. They finally realized their error on the last day of the month with no explanation just we are sorry thanks. I am concerned that they are not keeping proper accounting records.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that TransUnion, XXXX, XXXX will investigate this account for me to ensure accuracy Here is the account I am asking you to verify as accurate : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. In addition I did not give Transunion permission to furnish this information onto my credit report. This is a violation of the credit reporting act section 1681b ( c ) which constitutes as fraudulent activity and is also a serious breach of my privacy rights. I formally request that these fraudulent inquiries be immediately deleted from the credit file you maintain under my social security number.
Product: Credit reporting or other personal consumer reports

XXXX is currently reporting charges to a closed account that was fully paid off and any all equipment was returned to them. This account was closed on XXXX ( date to which my lease was terminated where service was being provided to ). 

It has been approximately a year since this account was closed and XXXX is now asserting a fraudulent claim for {$300.00} which I reported to the FTC ( See FTC Report No. XXXX ) and will be taking further action against XXXX if they continue to assert this alleged money due. 

Moreover, XXXX is violating federal law by reporting this fraud to the XXXX major credit reporting agencies, XXXX, Equifax, and XXXX. Aside from the fraud, I never gave XXXX my permission to disclose nonpublic personal information. Any consent- whether verbal, non-verbal, written, implied, or otherwise is revoked. Additionally, XXXX never informed me of my right to opt-out of disclosure as required by law. See 15 USC 6801, 1681b ( a ) ( 2 ) ; see also P.L. 90-321 ( 82 Stat. 146 ).

15 USC 1681C ( a ) ( 5 ) states " [ e ] xcept as authorized under subsection ( b ), 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. '' This account is an adverse item ( which is not a record of convictions of crimes ) that XXXX, Equifax, XXXX, and XXXX are reporting without my permission. This is against the law. 15 U.S.C. 1681s2 ( a ) ( 1 ) ( A ) further states " [ 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. 

Lastly, in accordance with the FCRA, XXXX, Equifax, and XXXX has XXXX days to remove this account.
Product: Credit reporting or other personal consumer reports

Dear EXETER FIN, I am writing to formally address a serious violation regarding the unauthorized reporting of information to my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as the relevant laws governing identity theft and credit reporting in XXXX XXXX XXXX MO. 

It has come to my attention that EXETER FIN has engaged in unauthorized reporting to my credit report without my explicit consent. Under federal law, specifically the FCRA, the consent of the consumer is a mandatory requirement for such reporting activities as stated in Section 1681b ( a ) ( 2 ). 

In addition to federal law, Missouri state law, particularly under the Missouri Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. The Missouri Fair Credit Reporting Act outlines similar protections, ensuring that consumers are not subjected to unauthorized reporting. Furthermore, Missouris identity theft laws highlight the seriousness of unauthorized access and misuse of personal information. 

I assert with absolute certainty that I have not provided consent for EXETER FIN to report any information to my credit report. This lack of explicit permission constitutes a clear violation of my rights, potentially damaging my creditworthiness and showing a disregard for both federal and state laws. 

I demand that EXETER FIN immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as required by Section 1681b ( a ) ( 2 ) of the FCRA and Missouri state laws. Failure to comply within the stipulated 30-day timeframe will be considered willful noncompliance, subject to penalties under applicable laws, including those related to identity theft. 

I want to emphasize that obtaining consent is not optional ; it is a legal obligation under these specific sections of the FCRA and Missouri state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, which are designed to protect consumers like myself from unauthorized and damaging credit reporting. 

I expect your immediate attention to this matter and anticipate that EXETER FIN will promptly rectify these violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to XXXX for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved. 
I demand that the above inquiries be deleted from my credit file because they are causing irreparable harm to my name and good character as well as my overall credit capacity.
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed inquiry I believe is not authorized be immediately deleted from my credit file. 
XXXX XXXXXX/XX/2023.