23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

ExperianXXXX XXXX XXXX TX XXXX : Report # XXXXOn Monday XXXX XXXX I called Experian to dispute XXXX XXXX private student loans. I spoke to the representative to dispute the relevancy of the contract. I had recieved a copy of the contract by XXXX due to a complaint I had filled with the XXXX. The contract has " missing information such as date missing and other identifiable information that is not consistant with my information with their files ''. The name listed on the application is not my birth name. Further, the account number listed on my report is XXXX ... there are XXXX accounts listed with these numbers, the account number specified is listed differently on XXXX correspondence they list account number XXXX. Due to new regulations required by the FCRA account numbers are no longer supposed to be listed as social security numbers or reported to the credit bureas as numbers that begin with social security numbers. 
The accounts were previously unrated and reported previously as " NO STATUS '' in XXXX 2015 that had changed. I request that " no status '' be reported on my file due to FCRA, FCBA, FACTA and other statutory and procedural violations that may have occured. The creditor has over XXXX credit and billing consumer complaints filed online along with SEC and Consumer Financial Protection Burea investigations for similiar or other pertinant issues regarding private student loans currently held by XXXX. ( see link : XXXX XXXXRemedy sought. 
I request that detailed information including names and a description how the previous verification process was conducted per section 607 15 UFC 1681. 
I would like Experian to rienvestigate and the following information herein. 
1. Verify last 84 month account history ( See attatched doc ). 
2. Report the assigned account number provided by XXXX ( acc # XXXX. Valdiate and authenticate information supplied on original contractI request that bot accounts be unrated due to errors and ommisions on the account and credit reports. 

XXXX XXXX
Product: Debt collection

I went to doctor on XXXX XXXX and before I went my husband called and spoke to XXXX  in ref to me going just to take a XXXX XXXX  and they said it was free of charge and now I have a bill really!
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Validate Account XXXX  XXXX XXXX  Case Number : XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I recently received a forwarded statement for my XXXX ( now PNC Bank ) credit card. The notice basically said it was going to collections and to call them. I called them on XX/XX/XXXX and discovered that I did, in fact, owe them for some charges earlier in XXXX which I was happy to pay. However, they also charged me for interest and two ~ {$50.00} late charges. My issue with the interest and late charges is that I never received notice to pay or I would have. Of course, if PNC had tried to reach me, I would have paid and not incurred one or both of the late fees and interest! When I questioned why they didn't contact me to collect prior to incurring late fees, they said that they called but I hung up and they called a second time but they didn't leave a message. It sure seems like they wanted to incur the late fees rather than let me know about it. Never once did they try to email me or try to reach me in earnest. The total bill was less than {$250.00} and I have no other debt. Anyway, on XX/XX/XXXX I spoke with someone from PNC to " settle up '' and the gentlemen agreed to waive one of the late fees so, in order to put this past both parties, I agreed to pay ~ {$170.00}. 

Fast forward to today : XX/XX/XXXX. I called PNC to get past statements for the account mailed to me for tax purposes and, to my surprise, I find out that the late fee the gentlemen agreed to waive was denied and still remains on my account. This is after him telling me I had a {$0.00} balance on XX/XX/XXXX. I asked again if they tried to call or reach me in order to collect the fee and was told, " no, we didn't '' and " you live in a state in which we can not leave a voicemail ''. The behavior is what I would expect from a XXXX XXXX  not a super regional bank. 

I appreciate the help and 'm happy to discuss more at your convenience. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have sent dispute requests to XXXX, XXXX and Experian regarding the following account number : XXXX. The dates of these disputes are as follows : XX/XX/year>, XX/XX/year> and XX/XX/year>. Despite all of these letters sent to these bureaus, there has been no dispute language on my credit report. There have also been no investigation results sent to me. It is very clear that my case has not been looked into whatsoever by any of these bureaus.
Product: Vehicle loan or lease

They charged me a high interest rate when my credit was good an made me put down a high deposit
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent to all 3 credit reporting companies that I am requesting them to verify all the information that I listed below was correct. They have yet to respond to any of my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS is required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX  XXXX, IL XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$10000.00} ; XXXX  XXXX Balance : {$290.00} ; XXXX XXXXXX/XX/2022.
Product: Credit reporting or other personal consumer reports

Someone has been using my credit for a few months now. I see addresses and phone numbers have been changed and phones numbers has been added to my credit profile. for example things have been added to my credit profile phone number : XXXX this is not my phone number. also these addresses are not my address : XXXX XXXX XXXX XXXX ny XXXX XXXX XXXX XXXX # XXXX XXXX ny XXXX phone number XXXX
Product: Debt collection

XX/XX/20 blocked number XXXX called my work XXXXXXXX- I told this company they are calling me at work and I am not allowed to take personal calls at work. The woman on the phone kept talking over me. I repeated do not call me at work. Do not call me on this phone number, I can not take calls on this phone number. 

XX/XX/20 XXXX XXXXXX/XX/XXXX Called and talked to two other employees here on XXXX. Asked if they were me and kept repeated they are on a recorded line.
Product: Money transfer, virtual currency, or money service

In XX/XX/XXXX while using XXXX I started getting ads about XXXX XXXX about high profit-making investments, the scammers started urging me to join a class via XXXX, register with my government id, and gain financial freedom, this was done by way of trickery, and/or manipulation using advanced technological systems. I never suspected that these groups were fraudsters because their presentations appeared genuine. They requested payments in cryptocurrency to be paid into the account of the company, I used XXXX XXXX XXXX, XXXX, and M & T Bank accounts to wire money to XXXX  for XXXX transactions. After payments were made, they ran trades that would yield very high profits and one could see their currency value increasing, plus a lot of people in the XXXX class gave testimonies on how they were making huge profits and thanked the leaders of the group for what they were doing, but soon strange losses in transactions begin to happen and the total capital and profit invested are lost completely, they use their manipulation to explain why the money was lost and promise to help in recovering total loss plus make much more profit. They still encourage one to invest a good amount to recover the lost funds faster, I never knew I was being scammed and I kept losing money, I lost a total of {$200000.00} which includes some borrowed money. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Unfortunately, the more I reinvested following their manipulations to recover my lost funds, The more I continued to find myself in a worse position until my eyes were opened by a family member with whom I narrated my ordeal in XX/XX/XXXX and that was the time I stopped dealing with the scammers. I later got a company that claimed to recover lost XXXXXXXX XXXX XXXX XXXX XXXX XXXX, but they only took advantage of my situation, after completing the installments to help trace my lost funds, they disappeared, and I could no longer reach them via phone or email. I have been able to get another company ( Payback ) to trace where the funds have been channeled to and have tried to reach out to M & T Bank to recall the funds but this has been abortive as M & T Bank says the funds can't because its been over a year. I am bringing this case here because it has become unbearable to suffer this loss without any form of help from the institutions where these funds were made available to scammers. Below are the dates and amounts of wire transactions to XXXX XXXX XXXX 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

I have sent several letters and emails to Equifax to confirm why my credit score dropped XXXX  pts XX/XX/XXXX XXXX there has been absolutely no changes on my report at all. XX/XX/2023 my score also dropped XXXX pts with no changes reported at all either. There was no balance increase on any of my credit cards, no credit inquiry, no collection activity or anything along those lines that would have made my score drop significantly 2x just a few weeks apart. Equifax has since ignore my request for answers. I am requesting that Equifax be held responsible for messing up my credit score for no reason at all. How is my XXXX XXXXXXXX but my Equifax is XXXX make it make sense.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent a certified letter to Transunion, XXXX, and XXXX to dispute the negative information on my credit report due to identity theft. I also sent items verifying my identity I also sent items such as a police report, identity theft affidavit etc. to Dispute and Remove the Negative item. Neither company have provided me any proof of how the information was verified by law they have violated my consumer rights under the FDCPA there was no reasonable investigation. The Illinois States Attorney General will be contacted as well as the XXXX  XXXX  XXXX, Im in the process of suing the credit reporting agencies and Creditors especially me being a victim of identity theft none of these companies are investigating they have indeed violated my rights and now I must be compensated.
Product: Checking or savings account

I have maintained a long-standing business relationship with Chase, and previously with Washington Mutual XXXX for over two decades. In XX/XX/XXXX, I applied for a {$50000.00} line of credit. At the time of application, my Chase accounts held a balance of {$30000.00} to {$40000.00}, with balances occasionally exceeding {$80000.00} in the previous year. My tax returns for the last year reflect approximately {$820000.00} in revenue. 

Despite my extensive history with Chase since XXXX and with Washington Mutual before that, Chase denied my application for a line of credit. The reasons cited were " inadequate cash flow '' and " insufficient age of accounts. '' This decision was made even though my revenue last year was sixteen times greater than the requested line of credit amount, and the line of credit was intended for a legitimate business purpose of expanding into an adjacent industry. 

Additionally, my monthly income last year frequently matched or exceeded the requested line of credit amount. My financial history and business performance demonstrate that our business is a stable and genuine small business, contributing to the backbone of XXXX. 

I am concerned that my denial may be influenced by factors unrelated to my business 's financial health. I am of XXXX  XXXX origin, born in the XXXX, and XXXX. Given the current political climate and frequent news coverage involving the XXXX XXXX and the XXXX XXXX XXXX and the extremely strong anti-Jewish and strong anti-Russian sentiment in the country, I am apprehensive that these factors may have affected the decision.

As a co-owner of a small business in California, I seek equal access to working and expansion capital similar to other businesses in comparable situations. I request a thorough review of my application and reconsideration of the decision based on the merits of my business and financial standing and not on my XXXX origin.
Product: Credit reporting or other personal consumer reports

I am writing to request a reinvestigation of the information contained in my credit report in accordance with 15 U.S. Code 1681i - Procedure in case of disputed accuracy, and 15 U.S. Code 1681e ( b ) - Compliance procedures to assure maximum possible accuracy of the information. I recently reviewed my credit report and wish to ensure that all the information is 100 % correct and accurate. 



Below are the accounts I am requesting to be reinvestigated : Account Name : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Credence resource claimed they have been trying to contact me at another address and insist I live at the location. They threatened to continue to destroy me during the pandemic about the validity of such debt. The original company XXXX XXXX XXXX  ceased contact years ago because I never renewed contract with them it was cancelled and equipment was returned. Credence Resource has harassed and threatened me over the phone when I have called them. They have continued to call and not identify company or leave message. Repeated calls seven minutes apart. This is the second time I have submitted dispute. One was XXXX  now XXXX XXXX  but my contract was with XXXX XXXX XXXX
Product: Mortgage

I sold my home and closed on it at the Title Company who paid the loan balance in full by wire payment on XX/XX/2024. The amount paid was based on the payoff letter provided by SPS Servicing who collects payments on behalf of the mortgage lender. On Saturday, XX/XX/2024, SPS Servicing called me to collect on the balance due on the mortgage. I told the representative that the loan was paid in full by wire payment the day before on XX/XX/XXXX, XXXXI was told that SPS would take XXXX business days to apply the payment with no reason given as to why it takes that long. 
I have called SPS Servicing daily from XX/XX/2024 through XX/XX/2024 to inquire as to why they have not applied the complete loan payment made by wire for amount due per their payoff letter. In each of these phone calls the customer service representative told me that they will be applying the payment at a later date but then back dating it to XX/XX/2024. On XX/XX/2024 the customer service representative for SPS Servicing informed me that they will take XXXX business days to apply the payment. On XX/XX/XXXX, another representative for SPS Servicing told me that they can take up to XXXX  days following receipt of the payment to apply the payment and prepare a release of lien. 
On XX/XX/2024 the SPS customer service representative told me that they see that I informed the Ombudsman for SPS to escalate the issue and apply the payment. He made no excuse or reason for not applying the payment other than to say that they can take up to XXXX  days to prepare the release of lien and he thinks that I owe SPS servicing more money but could not quantify the dollar amount. XX/XX/2024 is day XXXX of SPS servicing receiving the payment in full for the lien on my property and have not provided any information as to why the payment was not applied in the past week or if they think I owe more money that what was on the payoff letter they provided to me which took the interest out to XX/XX/2024. The other lien holder on the property applied the payment on the same day they received it on XX/XX/2024.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS HAS BEEN ON MY CREDIT REPORT SINCE XX/XX/2016 AND IT SHOULD HAVE BEEN REMOVED FROM MY CREDIT REPORT I WOULD LIKE FOR THIS TO BE REMOVED PLEASE IT HAS BEEN YEARS
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received an email from Bridgecrest stating that my account would be reported as 30 Days Delinquent if I did not remit payment by XXXX XXXX PST on XX/XX/XXXX. On XX/XX/XXXX at XXXXXXXX XXXX  EST ( or XX/XX/XXXX XXXX XXXX  PST ) I remitted payment in the amount required to prevent a 30 day delinquency report on my credit reports. On XX/XX/XXXX I contacted Bridgecrest to resolve the issue and was told that their systems automatically report to the credit bureaus and they will not change the account status because it is accurate. I then reiterated that I made the payment before the PST deadline and was continuously met with a refusal to correct the information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite the multiple previous written requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The TransUnion Credit Bureau failed to comply with Fair Credit Reporting Act, XXXX XXXX sections XXXX within the time set forth by law and continued reporting of erroneous information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT. 
XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$85.00}
Product: Credit card

In XXXX there were some charges XX/XX/year> for {$860.00} and additional charges on XX/XX/XXXX & XXXX on my account for XXXX. Once I received the statement I saw that there were some credits from XXXX of {$1500.00} as soon as I see this I called to dispute because I don't own anything XXXX. My card was closed and provisional credits were issued by Ally, I received a new card and about then on my XXXX statement there were {$400.00} worth of charges placed back on my account as a Lost/Stolen transfer adjustment from Ally, along with XXXX charges totaling {$790.00}. Again, I do not do business with XXXX. I have called them repeatedly over the last few months to solve the issue and all I have been getting is that these are legitimate and the credits were issued and that they will escalate. I have been waiting over 2 months for a manager from Dispute to call me back. I called again and I don't get an explanation just that it is correct XXXX.I am seeking full explanation!!! from my calculations there are a total of {$2400.00} in charges ( which are fraudulent ) and credits {$1900.00} with me still being due a credit of {$560.00}. 

I have been calling since XXXX to get this explanation and still to this date they escalate and no one calls me back and is willing to go over each line with explanation. If they dnt want to handle they just transfer you all of the place and is not seeking any resolve
Product: Credit reporting

On Friday, XXXX XXXX, 2016, I submitted an Identity theft report to Experian. On This account was documented in the Identity Theft report that was provided to Experian on XXXX XXXX, 2016. The account in question was for a collection company called XXXX XXXX XXXX. On XXXX XXXX, 2016 Experian removed this account. 
On XXXX XXXX, 2016, Experian added a collection account from a collection company called XXXX XXXX XXXX. XXXX is attempting to collect the same debt that XXXX XXXX XXXX was attempting to collect which was a fraudulent account documented in the FTC Identity Theft report, the police report.
Product: Mortgage

I refer to case number XXXX. I want to make sure that it is clear that the final check i paid wells Fargo had nothing g to do with the principal of my loan. 
The check they cashews for XXXX XXXX of that was to pay them insurance money for insurance i no longer needed since I paid the loan. 
The bank demanded that I pay them this in order to close my account. Other parts of the payment was free etc. So other than refusing to apply a check they cashed, the check was not even for the principal of my loan. 

So this is also a complaint about wells Fargo forced insurance. They still forced insurance on a principal paid loan I can not allow wells Fargo keep possession of a home that I paid. I am not able to resolve to what they intend to do with lien release reimbursement. etc I need these questions answered.
Product: Debt collection

There is an open account on my credit that is not my responsibility, if there is strong belief that it is my debt then i would like all paperworking providing information that it is in fact my responsibility.
Product: Credit reporting or other personal consumer reports

Recently, I

did an investigation on my credit report and found several items on there to be inaccurate. Under 15 U.S Code 1681e ( b
) Accuracy of report Whenever a consumer reporting agency prepares a consumer report. It shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. Code 1691i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information as appropriate, based on the results of the investigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.