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

I have been disputing negative items with Experian on my credit report since XX/XX/XXXX. Since then I have been consistent in sending dispute letters and have kept great record of everything I've sent. Experian has not responded to my claims or properly investigated my disputes which is my right as a consumer. I have attached all of the correspondence I have sent to Experian and will also spell it out for you below. 
On XX/XX/XXXX, I sent my first round of disputes to Experian. This letter was sent certified mail receipt number : XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/XXXX, I sent a follow-up letter to Experian to please reinvestigate my claims. 
On XX/XX/XXXX, I sent a method of verification letter to Experian, inquiring how they are supposedly verifying the accounts on my credit report. 
On XX/XX/XXXX, I sent yet another letter to Experian asking for them to re-investigate my disputes and again nothing happened. 
On XX/XX/XXXX, I sent one more letter to Experian letting them know of my intention to file a complaint with the CFPB if nothing changed. Nothing changed, so here I am filing this complaint. I am outraged at how I have been treated by Experian. They are blatantly ignoring my rights as a consumer and deserve to be held accountable.
Product: Credit reporting or other personal consumer reports

Hello my name is XXXX XXXX XXXX XXXX, I am writing to you in regards to the following information in my file. The items I need deleted are listed in the report.I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the following accounts as soon as possible.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I disputed any accounts with Oliphant in writing to XXXX and XXXX. I asked the credit bureaus to contact Oliphant and either obtain a signed contract with this company or to delete the account from my credit reports, as it is adversely affecting my credit and preventing me from obtaining new credit. 

On XX/XX/2024 I filed a complaint against Oliphant with the XXXX of XXXX, Florida ( XXXX Florida ) because Oliphant had not provided a copy of any contract I have ever had with them. Within a few days, the account had been removed from my XXXX credit report. However, as of this complaint ( XX/XX/2024 ) the account is still being reported to XXXX AND Oliphant has continued to call my telephone and leaving messages. 

On XX/XX/2024 I filed another dispute through the dispute feature in the XXXX XXXX and through XXXX XXXX, once again asking for a signed contract proving I have had a business relationship with Oliphant or have the account removed from my XXXX account. It has been OVER 30 days since the last dispute was filed and I'm now reporting Oliphant for multiple violations of the Fair Credit Reporting Act. At this point, I will not accept any information from Oliphant since it has been since XXXX that I have requested such information and they have had more than ample time to provide it. At this juncture, the only resolution to this issue with Oliphant is to have them XXXX ) Remove the account XXXX from XXXX and XXXX ) Cease calling me immediately. 

Thank you.
Product: Credit reporting

XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, SC XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in XXXX XXXX closer look, this was due to inaccurate information on credit report ; mine. My XXXX id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much XXXX which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX N/A XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX SC XXXX
Product: Payday loan, title loan, or personal loan

I obtained a XXXX loan in XX/XX/2019 and I have paid over XXXX on the loan. I called today to pay off the loan and they said I owe XXXX. I don't understand how my payoff is so high. I asked for the interest rate and they couldn't tell me.
Product: Checking or savings account

I have an account with Wise US Inc. ( www.wise.com ). On XX/XX/2023, access to my account was deactivated without any warning or explanation. According to the help section you are supposed to file an appeal, but the appeal webpage www.wise.com/appeals does not work. Here is an error message : " An unexpected error occurred. To appeal your account deactivation, please contact us by emailing XXXX XXXX XXXX. '' Sending multiple emails to XXXX XXXX XXXX  does not work either, no reply. According to the Wise , Inc. website, the appeal process takes up to XXXX working days. It has been already about two months, but I still don't have access to my online account, and my funds appear to have been stolen by Wise US Inc .
Product: Credit reporting or other personal consumer reports

I CHECKED MY CREDIT REPORT ON XX/XX/24 TO MAKE SURE EVERYTHING WAS CORRECT AS I HADNT CHECKED IT IN A WHILE AND I NOTICED THAT THERE WAS SERVERAL ACCOUNTS THAT WERE NOT MINE ALONG WITH MY XXXX  LOANS BEING REPORTED LATE FOR SEVERAL YEARS, WHEN THEY WERE ON A FORBEARANCE PLAN AND SHOULDNT HAVE BEEN LATE AT ALL. I SINCE HAVE BEEN IN SERIOUS DISTRESS AND I CANT QUALIFY FOR MY HOME.
Product: Credit reporting, credit repair services, or other personal consumer reports

The main 3 Credit Bureaus are attempting to ignore Federal Laws and statutes. I have contacted all 3 Bureaus in an attempt for them to investigate and remove these fraudulent inquiries from my credit report. They are currently in violation of 15 U.S.C 1681c-2, 15 U.S.C 1681s-2 & 15 U.S.C 1681m. 605B of the FCRA states ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
All of which has been given to the 3 main credit bureaus. They are in direct violation of Federal Law and open themselves up to a Lawsuit!
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the XXXX XXXX system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


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

THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT FILE AND HAS AFFECTED ME OF ACQUIRING NEW CREDIT. THESE DEROGATORIES ARE REPORTING INACCURATELY AND I HAD NO KNOWLEDGE THAT THEY HAVE BEEN REPORTING WITHOUT AUTHORIZATION. I AM DISTRESSED THAT THOSE COMPANIES HAVE HAD ACCESS TO MY PERSONAL INFORMATION AND MY SOCIAL SECURITY, IT IS ILLEGAL TO REPORT NEGATIVE ACCOUNTS ON ONES CREDIT AND I AM REQUESTING IMMEDIATE REMOVAL OF THOSE ACCOUNTS OFF MY CREDIT FILE.
Product: Checking or savings account

On XXXX, I attempted to log into my online account from the XXXX XXXX XXXX. The time was around XXXXXXXX XXXX XXXXXXXX. Upon doing so, I was blocked until I finally clicked Forgot Password ; and I had not forgotten. So, I created a new password and logged out. 

This morning, XXXX, I logged in around XXXXXXXX XXXX XXXX XXXX, and my online ledger is not mine. A {$XXXX} check from my customer XXXX XXXX XXXX did not clear. My balance was supposed to be {$XXXX} with the check; well it's still {$XXXX} from last night. The check has not been posted and my online account in now merged to another account. I'm back to having this problem from when I was getting robbed every other Friday with the direct deposits. 

In conclusion, please unmerge the accounts, clear my check, and refund {$XXXX}. 

Thank You, XXXX XXXX XXXX XXXX : ( XXXX ) XXXX see
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FAIR CREDIT REPORTING ACT, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under USC 15 USC 1681. 

XXXX ACCOUNT NO. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C. 1681 SECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1681 c. ( 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 crime which antedates the report by more than seven years. agency can not furnish a account without my written instructions.

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 or other personal consumer reports

I have notified XXXX, transunion, XXXX  and the creditors about these accounts that are fraudulently reporting to my credit and asked them to do an investigation I have yet to receive any correspondence as they have my updated email and physical address its been over 45 days since I have contacted them in regards to this. I have also submitted and sent all documents that has been requested. Below are the two accounts that need to be removed. 

XXXX XXXX  {$810.00} XX/XX/2023 XXXX XXXX  {$700.00} XX/XX/XXXX XXXX XXXX
Product: Student loan

I started school out of state in XXXX. I also attended school in state XXXX. I accumulated $ XXXX in student loans. I began paying on them XXXX XXXX. I received capitalization of a total of {$6000.00} bringing the amount owed from XXXX to {$30000.00}. Paying a total of $ XXXX month for XXXX loans, XXXX XXXX, the balance is still {$30000.00}. I call Great lakes ( they handle for the loans Dept of Education ) and they say im paying {$4.00} in interest/ day. So only about {$60.00} is going towards principle. 

Almost a year has passed and my loan is at the same balance. Something needs to be done about this student loan interest. I am on autopay so, 0.25 % of interest is supposed to be reduced, and im still paying $ XXXX day in interest. How am i supposed to pay my loan back if im getting {$150.00} a month in interest?
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint Against Collection Agency for Violation of 12 CFR 1006.34 and 15 USC 1681s-2 Dear Sir/ Madam, I am writing to file a formal complaint against Complete Credit Solution for violating my consumer rights as outlined under federal laws, specifically 12 CFR 1006.34 and 15 USC 1681s-2.

The violations I have experienced are as follows : 1. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : The collection agency had failed to provide the necessary Validation information for the debt in question. Despite this, they have reported this collection to the consumer reporting agencies, which is unlawful. I have not received any notice or disclosure of this information.

2. Lack of Opportunity to Dispute the Account ( 12 CFR 1006.34 ( c ) ( 4 ) ) : I was not given reasonable to dispute the alleged debt. The collection agency has not sent me any communication that allows me to exercise my right to dispute the debt in accordance with the law.

3. Use of False, Misleading and Deceptive Means : The collection agency is using false, misleading, and deceptive means to collect this debt, which further violates my consumer rights under federal regulations. Their actions are both misrepresentative and harmful to my credit and financial reputation.

4. Violation of Authority to Furnish Information to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 1681s-2 ) : The collection agency is furnishing information to consumer reporting agencies without providing the necessary disclosure as required by law. This is a direct Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ), which prohibits furnishing any accounts information without following the proper procedures. Thank you for your attention to this matter. 

Please fell free to contact me if need further information. 

sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

This is about ALLY FINANCIAL. I paid this auto loan off in full. I received my title and payoff letter. On my credit report the loan was closed out but then days later I noticed a duplicate account made with a balance reported. I called a number of times for a number of days. No one would give me a straight answer and there were times when operators were disconnecting calls. It wasnt until XX/XX/19 when I got a letter stating the balance owed was for a repo charge. I never even had a late payment and like I stated earlier the balance is paid in full. When I would talk to someone, instead of correcting the obvious error, they would just bounce me to another department. I am beyond frustrated at this point and feel that no consumer should have to go through this.
Product: Credit reporting or other personal consumer reports

Someone open a Capital One account under my name. And also an XXXX Capital Bank credit with a balance of {$980.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX and XXXX  on several occasions since XX/XX/2015regarding incorrect information not pertaining to me showing on my credit report. I contacted Equifax as well because the security questions don't pertain to me and I'm unable to access my credit report from them. It's extremely frustrating to be turned down for a job and to be denied an apartment due to incorrect information on my credit reports. I feel I am being discriminated due to being XXXX and not being an XXXX XXXX. My friend is XXXX  and she contacted all 3 credit bureaus with concerns identical to mine and with in weeks all inaccurate info was removed from her reports. Please help me. My husband is XXXX recovering from a massive XXXX I'm trying to get my family ahead and unable to due to XXXX credit bureaus singling me out.
Product: Credit reporting or other personal consumer reports

credit acceptance keeps reporting the incorrect balance on my account adding and removing comments to my report as a result my score has suffered a XXXX point decrease. My account was brought current in XXXX my past due balances were paid to a XXXX balance and i have not had a late payment since. So why is my balance increasing? I also requested documents by mail and have not received any proof of account transactions, when i log in online i do not even have access to my balances or payment history. i called today because their business hours states weekends XXXX and they are not taking calls.i have tried to rectify this multiple times with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told that my credit was not ran and that they used my sisters information only to get a loan for a vehicle. I was lied too and on XX/XX/2019 my credit was ran and on XX/XX/2019 credit was ran twice by 2 different banks.
Product: Checking or savings account

On X/XX/17, there was a check fraud deposit from XXXX XXXX XXXX XXXX against a joint account that my XXXX daughter uses in her name only of {$5900.00}. It took Suntrust bank 4 days to realize that was a stolen check. There were multiple withdraws the next day of {$1700.00}, {$2500.00}, {$500.00}, and {$450.00}. Instead of just closing my XXXX daughter account and trying to get money back from her, Suntrust took {$5400.00} out of my savings and came after my son 's account as well and closed all accounts and left multiple overdraft charges in two of the 4 accounts that my son and I had left. When trying to contact there fraud or claim department they were very unwilling trying not to provide any information on who, what, when, and where these transactions took place. Also I just received a letter on the XX/XX/XXXX that was dated on X/XX/17 stating that the accounts are closed. When talking to them this past Friday, I stated that I had a police report and I wanted to give them the number, fraud department stated that the case was closed and if I wanted to reopen the case that I had to send a letter stating just that with the police report number. Suntrust made me feel as if I was the criminal when trying to get down to the bottom of the issue. I was blown off on several ocassions by them.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/year> as listed on my most recently reviewed on my XXXX XXXX report, there are several frauds/ or unauthorized information that needs to be Inquiries -clarity services a part of experience -fin wise bank XXXX XXXX XXXX - XXXX XXXX -today cash -factor trust -eagle lending -WLCC Lending FHC DBA XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX -pay XXXX credit -credit cube -cascade springs red-INF-INSIGHT -cash Advance now -green arrow solutions -green line loans/eagle/intera -evergreen services/ insight/riuo -bison green lending -TCDS for Mobiloans Please remove it from my credit report. 
I am hereby notifying you that neither of those accounts are correct, I have not given XXXX systems permission to furnish this information. understanding that this is a violation of XXXX XXXX XXXX ( B ) ( C ). Both together and separately my privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned info within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to XXXX systems resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations.
Product: Mortgage

I am in Chapter XXXX. I have decided to sell my home and payoff my bankruptcy. On XXXX/XXXX/16 I asked for a payoff quote that I received and was good to XXXX/XXXX/2016 for the amount of {$88000.00}, which I agree with. 
The sale fell through. I now have a contract to sell the home and close on XXXX/XXXX/2016. On XXXX/XXXX/2016 I requested another payoff amount. It was sent and good through XXXX/XXXX/2016 for the amount of {$130000.00}. This is impossible. The difference is in interest and escrow advance. There is no way it has gone up over {$50000.00}. I have called them twice and get the runaround. They say it is being reviewed. 
Yes, I have been paying my house payments.
Product: Credit card or prepaid card

I always pay my cards in full by due date. My Capital One card is due on the XXXX of each month. In XXXX I went on line and paid the full amount {$2200.00} ( XXXX charges ) on XX/XX/XXXX. When I received the XXXX statement, it showed an " interest charge on purchases '' of {$35.00}. In reading the statement, it indicated that my payment was received after XXXX. Since the statement stated that payments after XXXX XXXX  would be considered late, I accepted the charge of {$35.00}. 
In paying the XXXX statement by the due date of XX/XX/XXXX, I made sure I scheduled it on the XXXX ( which the statement shows ) and paid on the XXXX ( which the statement shows ) .I did this using Capital One 's web site ( not my bank site ). When I received XXXX 's statement I was again charge " interest charge on purchases '' of {$19.00} When I called them and asked why this happened since my payment was within their parameters, I was told that their policy is that you must pay " on time '' TWO months in a row before they stop charging an " interest charge ''. 
I paid my XXXX bill in FULL. The amount was {$1700.00}. This amount included the prior month 's {$35.00} interest charge. This seems like usery to me. I said as much and they will be crediting the {$19.00} so my problem is solved at this time, but think of how much money they make by doing this to so many people. I want you to look into this and stop it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a XXXX letter it is similar to a debt verification asking to validate the legitimacy of a balance due, which is your right under the Fair Debt Collection Practices Act. 
must remove the accounts listed below. This account wasn't properly investigated Account Name : XXXX XXXX Account Number : XXXX Reason : I don't recognize this account this is an invalid account