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

Subject : Request for CFPB Assistance in Enforcing FCRA Compliance by Experian Dear CFPB Representative, I am writing to formally request your assistance in addressing an unresolved issue with my credit report that I previously disputed with Experian. Despite filing a complaint regarding inaccurate information on my credit reportspecifically, an incorrect address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not belong to meExperian has failed to correct this information.

I have exercised my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ), which mandates that credit reporting agencies like Experian are responsible for maintaining accurate and verifiable information in consumer credit reports. Experian has an obligation under 15 U.S.C. 1681e ( b ) to ensure that all data is correct, and if disputed, they must investigate and remove or correct any unverifiable or inaccurate information. 

Despite my prior disputes, and Experians acknowledgment of the issue, they have not fulfilled their legal obligation to correct or remove the incorrect information. The erroneous data continues to negatively affect my credit report, and this failure to act is a violation of my rights under the FCRA. 

I respectfully request that the CFPB take action to ensure Experian complies with its responsibilities and removes the inaccurate address and incorrect name from my credit report. These errors are affecting my financial standing, and I believe that the intervention of the CFPB is crucial to enforcing compliance with federal law. 

Please find attached the original dispute letter, Experian 's response, and supporting documents verifying my identity and correct information. 

Thank you for your attention to this matter, and I look forward to your assistance in resolving this issue promptly. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/2023 I used my Chase debit card to buy {$130.00} worth of clothes from XXXX website. I used the XXXX payment installation plan where I would pay about XXXX $ a month until the amount was paid off. I was excited for my clothes, when I shopped online for them I spent 2 days looking through all the clothes and looking at size guides and reviews of other clients who previously bougth the same product and described their body to be like mine. I followed XXXX size guide. When I received the items and tried them all on I was depressed that there was nothing that fit as described and the outfits alone are not even the same material they describe in the website. So I returned the items ( order for return from XXXX is # XXXX and my USPS tracking number for the clothes I returned is # XXXX ) I have called my bank and they claimed they only can recover up to XXXX $ per year for me in transactions and I aparently exceeded that- never had I heard of this before nor until this year have I used the services of my bank to request my money to be recovered. I reached out to XXXX to have them release the funds to my bank they laughed at me and refused and told me to call XXXX XXXX XXXX has only an email to reach out to and they said they will not help release my fund back to my bank and they also have my items i returned. Now XXXX is trying to send the rest of the money I " owe '' to a debt collection agency when I dont even have the products I SPENT that money on!! I have reached out to XXXX and filed a complaint on XXXX but they are a huge entity and likely not to return the messages. I want my cash refunded back and I also want my credit to be repaired if they did send my debt to a collection agency. I am not sure what else to do at this point I want to take legal action but the amount of costs is so small I am unsure anyone will take me seriously.
Product: Checking or savings account

On XXXX XXXXXXXX XXXX I received a notice that my account was to close on XXXX XXXX. It is still not closed!!!!!!! I received a wire of {$38000.00} from a close friend. Wells stated that I needed to return it to her. She authorized the wire to me. She reached out to her bank and sent emails which Wells states they did not receive. She even closed her account to make sure the funds were not returned after I shared what Wells was doing to me. She did everything on her end to make sure I kept the money. Wells refused to talk with me at the branch. The fraud department would not talk with me either. They keep saying the account will close on the expected date which continues to be pushed back every two weeks since XXXX. Wells is holding XXXX of my money. I am very upset and have been financially struggling since. Please help me!!!! This account must be resolved and I am asking for a check with the remaining amount. I have a credit card with wells still and can not pay because I have no money!!!! 
Wells is not forgiving and my interest rate is 24 %. I am so disappointed and angry!!! 
Please help me!!!! I am a working XXXX XXXX XXXX  of 25 years. I do not have a lot of savings and need this money. It's mine!
Product: Credit reporting, credit repair services, or other personal consumer reports

There are some inquiries on my report that after contacting the company and trying to get more information they were unable/refused to give me info to verify the account because whoever set up the account used information that I don't know outside of my personal information so they said i had to file a ftc report XXXX Not sure how its to protect me if I am telling them that I am me and i never set the accounts up. I have attached a copy of the Identity Theft report as well as copy of my ID. The inquiries that are fraudulent are as follows : XXXX inquriy from XX/XX/ ; XXXX XXXX inquiry from XXXX and then there is XXXX inquiry on XXXX The only thing that makes sense is someone at the lending company misused my info because I was preapproved when i purchased my home so I never gave my info to have them to check for financing. When I called the lender they confirmed they never tried to run my credit because I had a preapproval that covered the cost of the home.
Product: Credit reporting

My bank reduced my credit limit based on information from Experian. I immediately pulled a copy to see no issues and a score XXXX points higher then what they received. However, the bank says they are using a Vantage Score. Apparently, bureaus give consumers a FICO and use that on their credit monitoring programs. I have asked for the Vantage Score as well via mail. A consumer CAN NOT obtain this on the website and they have no option to speak to a person to address this Vantage issue at their phone number. How is this fair credit reporting?
Product: Credit reporting or other personal consumer reports

I do not recognize these inquiries, and I have asked for them to be removed, and the bureaus did not do as I asked. I am providing an identity theft report which will be attached. I am requesting the following inquiries to be removed because the inquiries are in accurate and not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Allied Servicing Corp., whose address is XXXX XXXX XXXX XXXX, XXXX XXXX, WA XXXX, has published a Notice of Trustee 's Sale thru XXXX XXXX XXXX XXXX XXXX ( XXXX ), whose address is XXXX XXXX XXXX, XXXX, CA XXXX, advertising that my property is scheduled to be sold at a public sale scheduled for XXXX XXXX XXXX at XXXX XXXX, at the City Hall in XXXX, CA. Please address the following : 1.  Allied Servicing Corp. claims that it is the Appointed Trustee of an alleged mortgage loan with former XXXX XXXX XXXX, which later changed its name to XXXX XXXX. I have verified with XXXX that my mortgage is not under default. Please stop the Notice of Trustees Sale. 2. Allied Servicing Corp. is demanding an immediate payment of more than {$30000.00} to bring the loan up to date, and offering refinance option for the remaining {$250000.00}, which has no basis since the loan has been charged off by XXXX XXXX. 3. Allied Servicing Corp. and XXXX has advertised the property for pre-foreclosure in the XXXX XXXX XXXX and XXXX, causing a lot of unsolicited refinance and foreclosure mails, and even unfamiliar people posting foreclosure notes at my front door.
Product: Credit card

I have noticed that XXXX credit cards were open in my name without my permission or authorization. The person also was using a stolen bank account informatiand i'm now looking at possibly getting arrested for fraud and bank information stolen. My name is being slander. 
By the person who make account that was stolen. And they're trying to bring legal charges against me.
Product: Credit reporting, credit repair services, or other personal consumer reports

some on or about 2019 Clarity service XXXX at XXXX XXXX XXXX XXXX XXXX FL pull my credit report some 31th time with out my permission through Experian credit agency XXXX TX XXXX I File a compliant with consumer financial protection bureau. the company contact me and stated that they would remove this inquires but failed to contact Experian to ask them to remove these unauthorized inquire. please make them remove these inquire 31 time. this is the second time that I have file a compliant against this company.
Product: Mortgage

This is a complaint about SLS Specialized Loan Servicing Inc. 
Servicing my loan. 
The letter theyve sent said my XXXX XXXX due to 6 years later I can get up to XXXX dollars credited to my outstanding principal. They sent a letter saying I can recast my loan. 
Now they say I need to pay {$5000.00} to apply for this? I dont get it? 
The XXXX program was supposed to give me help thru the sevicer I want to file a complaint about Specialized Loan Inc. located in Colorado that Services my mortgage. 
Please read the attached document they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is due to Transunion and other credit bureaus such as XXXX and XXXX using my consumer report unlawfully. Pursuant to 15 usc 1681b ( 2 ) a consumer report is to be in accordance with written instructions of the consumer to whom it relates. I never gave transunion or any other credit bureau for that matter, permission to furnish anything on my consumer report. I, the consumer, in fact never agreed to contract with transunion or any credit bureau. I have never agreed to do business with any credit bureau. Therefore, I am a victim of identity theft being that transunion and other credit bureaus are sharing and reporting my information unlawfully. Also pursuant to 15 usc 1681a ( d ) ( 1 ) a consumer report means any written, oral, or other communication of any information by a consumer reporting agency. Furthermore, according to 15 usc 1681a ( d ) ( 2 ) ( B ) under exclusions from a consumer report, it states that any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device should be excluded from a consumer report. Being that my social security credit card was used in ALL the transactions on my consumer report, I demand that all accounts be excluded from my consumer report IMMEDIATELY.
Product: Money transfer, virtual currency, or money service

This third time to get this resolved in five business days ' notice now will go to us in federal court for review of breach of contract under the bill of exchange as bearer and demand for title proper interest owed to the principal account certain that you are unaware of these actions because you did not forward this to the director drawer of this account. Unable to resolve this transfer of credits to the bearer and interest of application, the CFO needs to be alerted of your actions because you have violated due process to interest due and shall be paid to the older of XXXX XXXX XXXX the title 12 section 29a is more indebted for more instruction to the CFO CEO director of this company. Your reach is not the same issues talked about. XXXX XXXX does accept the bill and has endorsed it but was denied because of the burden of proof of the laws and the application process to wire the interest to the balance within a certain amount of days instructed by the bearer XXXX XXXX XXXX XXXX XXXX XXXX did not give you permission to handle his estate interest and reports that's fraud. You shall pay XXXX XXXX dollars for violating tier 3 of the Federal Reserve Act and regulation of exchanging bills the right way. Now that you have delayed the transfer several times by civil actions, it can be forwarded to the proper federal courts to resolve. You do not have to answer back to this instruction because the courts will fix this issue soon on notice of security fraud and breach of contract. 

XXXX XXXX noticed and requested a reply back in...
Product: Debt collection

This is a follow-up to my previous complaint against Columbia Debt Recovery XXXX XXXX ). On XX/XX/year>, I called to speak with a representative about my debt validation request. I spoke with an employee named XXXX, who was extremely unprofessional. He repeatedly refused to answer my questions, called me 'dude, ' and said, 'I 'm not going in circles with you ' before hanging up on me. When I called back to request his name for documentation, I was hung up on again by another employee who did not give his own name. 

This behavior is unprofessional and violates the Fair Debt Collection Practices Act ( FDCPA ), which requires debt collectors to communicate fairly and respectfully. Furthermore, Columbia Debt Recovery refuses to provide proof that they sent me any debt validation, yet they continue to report this collection on my credit report. This is an unfair collection practice, and I request further investigation. 

Since this company is already under an active CFPB complaint from me, I request that this information be added to my existing case.
Product: Checking or savings account

This has been going on very continuously the past 6-7 mos. I never signed up for overdraft. I have locked my debit card for over a month now. With regions lock it. I have been charged {$36.00} numerous times. If there is even 1 cent in my account they have paid for things as silly as a {$1.00} membership to some app then charge me {$36.00}. If the money is not in the bank I cant withdraw from an atm. Or use it anywhere. So how is it legal for them to choose what they want to pay for.? I'm so fed up with regions bank. If I were to go back from the time I opened my account til now it would be over {$1000.00} in fees. Then if its negative already and then charged and charged I am just too the point I feel robbed. They have changed the type of checking account I have with no notice of monthly fees that would be charged. I will not pay another penny to them. Because of all the money they have robbed of me they should have plenty to cover whatever amount it is today they say I owe now. I dont even use this account anymore. I go from having {$41.00} in the bank to within a few days - {$130.00} then two weeks - {$250.00} how is that possible when I personally have not used the account and it is supposed to be locked. I have cancelled everything. And they still find something to mess me all up over and over month after and I have had enough. If they want to report it to credit. I dont care. It will be worth not to see another dime of my money to go to that bank. I'm changing to a new bank. New start. Regions bank is horrible. Any bank that takes your money when it is not available is ridiculous. I never signed up for protection. So therefore it should of never happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have a false collection account that showed up on my XXXX XXXX XXXX as of today, XX/XX/XXXX. This false collection account shows up as : NATIONAL CREDIT ADJUSTERS , L.L.C The original creditor for this account is : XXXX XXXX XXXX XXXX is a loan that I took out on XX/XX/XXXX. 

On XX/XX/XXXX XXXX EST, the account was PAID IN FULL for the amount of {$1100.00} and the company agreed to update the remarks on the account as " Paid '' on my credit report. 

However, as of today, the account shows that it was mysteriously " purchased '' by a debt buyer ( NATIONAL CREDIT ADJUSTERS , L.L.C ), which brings me to my original comment. This new collection account shows up with the following comments : " XXXX XXXX {$860.00} past due as of XX/XX/XXXX. '' This is incorrect, it is illegal and I worry that this has re-aged the already PAID IN FULL collection account with XXXX XXXX. This item must be deleted from my XXXX credit report as soon as possible as it is affecting my ability to XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX   XXXX  is report account #  XXXX  as being recently late on my credit report. This account has been transferred to another government and currently being paid, so could it get late. The all student loan accounts at CURRENT!     This has impacted my credit score and dropped my score  XXXX  points! Please have this removed as the date on this information is incorrect as well. This has been closed and they are changing dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

We froze our credit due to someone filing a fraudulent tax return under our name. During the process Equifax never gave us a pin to unfreeze. We are currently trying to get a mortgage to purchase a new house. The bank needs to pull credit and they can not from Equifax. We have tried to call Equifax numerous times and our calls get routed thorough a robot answering system and we get hung up on. There is no way to reach a live individual. 

Per there website, Equifax states to reset a pin you must mail copies of your drivers license, a check, and a letter stating that you want to unfreeze your credit and receive a new pin. We have done all of this more than 10 days ago. We have not received a response, they have not cashed our checks, there is no one to call to check on this. 

We are getting desperate. We have sold our current house, we need to obtain a mortgage on the new house or we are in big trouble, i.e homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE USED MY PHOTO ID AND SOCIAL SECURITY NUMBER TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCIES TO MAKE CRIMINAL COMPLAINTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRAs. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

To whom it may concern, I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised I have requested validation, not verification, of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service.

2. What services I am being charged for.

3. What the cost of each service I am being charged for. 

Furthermore, XXXX XXXX, XXXX XXXX, Kansas XXXX, XXXX  XXXX, XXXX  XXXX  did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

i applied for a checking account with us bank i checked the box that asked if i wanted to attach my usbank credit card to the checking account no where did it say on the application that i was applying for a usbank credit card they did a hard inquiry on my credit i asked them to remove the hard inquiry they refuse to remove it they say it was part of the application process this makes no sense i don't think that you have to apply for a credit card to apply for a credit card to apply for a checking account at us bank and if you do they should tell that you are applying for a credit card
Product: Student loan

I applied to change my income based payment plan on XX/XX/2018 from the IBR plan to the revised pay as you earn plan. This would significantly lover my monthly payment ( about {$100.00} less a month ). I was told I would hear back from XXXX XXXX by the XX/XX/XXXX with a decision. Since I hadn't heard back from them I called on the XXXX to see what was going on. I was told the application was in process and that it should go through in the next few days. 

As of XX/XX/XXXX I still hadn't heard anything so I called again. This time I was told that the application had a note requesting it be looked at now. That note was placed on the XX/XX/XXXX. I was also told that it could be several months before the payment plan is switched. I made sure I did this with plenty of time before my student loans became due as they were in forbearance until XX/XX/18. I also requested a due date change and was told that would take affect when the new payment plan went into effect. The current payment owed is {$300.00} a month and the new payment plan would bring it down to about {$200.00} a month.