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

XXXX accordance with the fair credit reporting act XX/XX/XXXX account # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XX/XX/XXXX, # XXXX XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX # XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

In XX/XX/XXXX, I received a letter from Navient stating that I needed to pay about {$1500.00} for the next several months in order to pay off my loan. I did not have that amount to pay. My previous payments for many years had been {$350.00}. I requested to continue paying my normal payment, especially since I was in good standing with the loan. They refused and said that I needed to pay the ridiculous amount of {$1500.00} per month. I spoke with something like 6 people and finally just requested a manager who basically told me the same thing. I asked if I could be put on some kind of payment plan because there was just no possible way I could pay the amount they were asking for.

After several hours, he told me he could put me on a payment plan of {$50.00} a month and it 'd take 30 years to pay back. I 'd end up paying about 3 times as much. Of course, I told him no. I shared again that what I wanted was to be recognized for the fact that I had been making ON TIME payments for 10+ years. I do not believe I 've ever been late and I definitely never missed a payment. He told me that did not matter. He then went back up to the {$1500.00} amount. This went on for a long time until I was essentially forced to settle into paying {$220.00} a month and consolidating my loans. In the process, my loan was extended for another 20 years. 

So now instead of almost paying off my loan, I now have another {$29000.00} to pay. Since that time, I have paid it down about {$2000.00}. As of this moment, I have a student loan debt of {$27000.00}. 

When it is all over in the year XX/XX/XXXX, I will pay over {$50000.00} in new debt. And in that year, I will have been paying student loans for 31 years straight. I am an XXXX ; I have never missed a payment that I can recall. I have paid diligently and even paid big chunks of money when I have it. I am hard working and find it insulting that I now have double the debt simply because I was not able to make {$1500.00} payments for 6 months.
Product: Credit reporting

I have been requesting verification of the following accounts that Equifax continues to report on my credit file : XXXX XXXX, Tax Lien # XXXX, and Tax Lien # XXXX. Equifax listed XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, GA XXXX as the source of their verification on XXXX XXXX, 2016. 
On Friday, XXXX XXXX, I directly called the XXXX XXXX XXXX number that is listed on my report at XXXX and spoke with XXXX agent ID # XXXX and she informed me that a security freeze was placed on my account as of XXXX XXXX, 2016. I have attached a copy of my security freeze confirmation that I received directly from XXXX XXXX showing the date of confirmation. I have also attached Equifax 's dispute investigation of the results. 
On Friday, XXXX XXXX, 2016, I also directly called the telephone number listed on my SECURITY FREEZE CONFIRMATION LETTER FROM XXXX XXXX and spoke with XXXX agent ID # XXXX and she also advised me that my security freeze was confirmed and set into place as of XXXX XXXX, 2016. She also told me that there is NO inquiry from Equifax or mode of verification from XXXX XXXX to Equifax showing on my XXXX credit file. And she also stated that XXXX XXXX DID NOT verify the verification that Equifax shows as " reported '' as of XXXX XXXX, 2016. 
I demand that these public records XXXX # XXXX, Tax Lien # XXXX, and Tax Lien # XXXX are removed due to lack of verification and inaccurate reporting of verification date! XXXX XXXX agents assured me that Equifax 's so-called " verification '' on XXXX XXXX, 2016 WAS NOT REPORTED BY THEM BECAUSE MY XXXX CONSUMER FILE HAD A SECURITY FREEZE ON IT ON THAT DATE. 
I have repeatedly requested tangible documentation whether electronically or hard copies and Equifax has yet to verify. All they send is a XXXX XXXX address and a statement saying " the account is verified. '' I demand that these unverified accounts : XXXX # XXXX, Tax Lien # XXXX, and Tax Lien XXXX ARE PERMANENTLY DELETED FROM MY ACCOUNT. I also request an updated XXXX credit report showing the deletions. 
Please see attachments : XXXX security freeze confirmation dated XXXX XXXX, 2016 **Equifax dispute confirmation results showing that XXXX XXXX " reported '' and " verified '' on XXXX XXXX, 2016. 
Please help!
Product: Debt collection

repeated texts from XXXX XXXX XXXX XXXX XXXXXXXX texts say : " Please contact Radius Global Solutions LLC at XXXX Regarding Reference # XXXX Important Rights : XXXX XXXX STOP to End texts '' Internet research shows Radius Global Solutions LLC is a legitimate debt collector XXXX, Minnesota. It's a misleading and worrying tactic. Ive send a message from the " contact us '' page on Radius Globals website.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX **Date : XX/XX/XXXX, XXXX** **Experian Consumer Services** XXXX XXXX XXXXXXXX XXXX, TX XXXX Subject : Urgent Request for Address Removal and Correction in Compliance with the Fair Credit Reporting Act ( FCRA ) Dear Sir/Madam, I am writing to formally dispute and request the immediate removal of an incorrect address and any fraudulent accounts associated with this address from my credit report. The address XXXX XXXX XXXX, XXXX XXXX FL XXXX is NOT mine, and I have never resided at this location. This information is entirely inaccurate, and I demand that it be deleted from my credit report without delay. Any accounts associated with this address should also be removed as they are fraudulent and unknown to me. 

Attached, you will find the following documents to support my request : - **Copy of my Driver 's License** - **Copy of my Social Security Card** - **Proof of residence** at my correct address. 

Please update my credit file to reflect the ONLY accurate and verified address where I have lived : XXXX XXXX XXXX, XXXX XXXX XXXX FL XXXX This is the ONLY correct and verifiable address for me, and any other address or associated accounts are false and fraudulent. I am requesting that Experian remove the erroneous address XXXX XXXX XXXX, XXXX XXXX FL XXXX, and any related fraudulent accounts immediately. 

Furthermore, please be advised that any willful non-compliance with the Fair Credit Reporting Act ( FCRA ) will be seen as a violation of federal law, including but not limited to : - **15 U.S.C. 1681e ( b ) ** : Requiring credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy.

- **15 U.S.C. 1681i** : Mandating that disputed information be reinvestigated and corrected.

- **15 U.S.C. 1681s-2** : Holding data furnishers responsible for the accuracy of the information they report. 

If Experian knowingly continues to maintain or report false information, this will constitute willful non-compliance under **15 U.S.C. 1681n** and **15 U.S.C. 1681o**, exposing Experian to potential legal action and civil penalties. Any such non-compliance will be used as evidence of Experian 's participation in fraudulent practices under the FCRA and the U.S. Code, and I will take all necessary steps to hold Experian accountable for its actions.

Please promptly update my credit report to reflect only the accurate information, and confirm in writing that this correction has been made. I expect that any further communication from you regarding this matter will be done in accordance with the provisions of the FCRA, and I will keep detailed records of any future issues.

Thank you for your immediate attention to this matter. I look forward to your confirmation of this correction. 

Sincerely, XXXX XXXX XXXX XXXX -- - **Enclosures** : - Driver 's License - Social Security Card - Proof of Residence
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX  Account number : XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the XXXX Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Payday loan, title loan, or personal loan

WHEN I APPLIED FOR THE LOAN I TOLD THE LOAN REPRESENTATIVE THAT I GOT PAID EVERY OTHER FRIDAY. I WAS NOT EXPECTING HER TO MAKE THE REPAYMENT CONTRACT FOR PAYMENTS DUE EVERY OTHER THURSDAY. SHE DELIBERATELY MADE THE CONTRACT FOR EVERY OTHER THURSDAY. I TRIED TO GET THE COMPANY TO CHANGE MY DUE DATE TO EVERY OTHER FRIDAY AND THEY TOLD ME THEY COULD N'T CHANGE IT. THEY SAID I WOULD BE CHARGED EXTRA INTEREST EVERY TIME THE DUE DATE NEEDED TO BE CHANGED. THEY SAID I WOULD HAVE TO CALL IN EVERY OTHER WEEK TO REQUEST A PAYDATE CHANGE. I WAS BLINDSIDED BY THIS EXTRA INTEREST THAT I FEEL THAT I SHOULD NOT HAVE TO PAY DUE TO THE FACT THE THE LOAN WAS BASED ON FRAUDULENT/INCORRECT/DELIBERATELY FALSE INFORMATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( XXXX ). Please be advised that under Section 611 ( a ) ( XXXX ) ( A ) of the FCRA you are required to promptly CORRECT or DELETE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are wilful non-complying with the FCRA. 

Since you claim youve verified the account listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ACCOUNT? I believe you have not verified this account based on Section 609 ( a ) ( XXXX ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. 

Please correct the account, or inaccurate information, from my file immediately & send me the results to the address. 

XXXX XXXX XXXX Date Opened : XX/XX/2020 Balance : {$7100.00}.
Product: Checking or savings account

Per the complaint about m and t bank filed in retaliation they closed my account please tell them to send my funds from my account {$150.00} and close all accounts I want no more business with this bank as right now I can not accept that to do business with this bank I have to be a XXXX and XX/XX/XXXX with woman and women emailing me all day send me {$150.00} and put and resolve the debt then my dispute is remedied. 
I am not calling or emailing m and t bank if they have any responses then put on your Portal and close the accounts and thre are no more deposits coming to and t bank as this day so tell them do not accept any deposit. 
As aXX/XX/XXXXXX/XX/XXXX and XXXX XXXX the account is closed m and t bank can close the account t send a check and do not keep sending me paperwork work everyday all day for me to file for them also in 2009 m and t bank took over my bank and I did not ever want this bank then they closed my account stating I would not put funds in the account m and t bank never liked me because I did not want the marriage act in the state of Maryland not constitutional act.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am contacting you once again because these credit agencies keep reporting accounts that do not belong to me and I want them removed from my credit report at once and permanently not just for a few months and then when my credit score gets good then they report again. These companies are committing fraud and need to be stopped at once. I have written these companies and submitted police reports over and over yet they do nothing. I am XXXX and pay all my bills one time and Im a single mother of a XXXX XXXX  and these companies are destroying my life by the fraudulent reporting they do and they need to be stopped. I want this account removed off my credit reports because it doesnt belong to me and it is fraud Name ENHANCED RECOVERY Account Number XXXX Account Type Collection Responsibility Individual Date Opened XX/XX/2019 Status Collection account. {$1500.00} past due as of XX/XX/2019. 
Status Updated XX/XX/2019 Balance {$1500.00} Balance Updated XX/XX/2019 Recent Payment $ 0 Monthly Payment {$0.00} Original Balance {$1500.00} Highest Balance {$0.00} Terms Also XXXX and XXXX are reporting new hard credit inquiries from XXXX XXXX XX/XX/2019 which are fraudulent and do not belong to me and I want removed immediately off my credit report and also XXXX XXXX Inquiry from XX/XX/2019 + Bank XXXX Card Inquiry from XX/XX/2019 + Bank Which are fraudulent and do not belong to me and I want removed off my credit report at once. And I want those enhanced recovery people to delete my information from there data base because it is fraudulent and that account that they are reporting doesnt belong to me and I want it removed at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dont report credit utilization and payment in accordance with the fair credit reporting act XXXX has violated my rights 15 USC 1681 Section 602 States I have the right to privacy 15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting

I 'd like to dispute all of the credit inquiries on both my XXXX report and my XXXX report. I have XXXX on XXXX and XXXX on XXXX. I can say that I have applied to some of the place but I ca n't understand why there are XXXX or XXXX checks from the same company some with in months or in the same year. My report also shows a number of things that are out dated and have not been remove by the company. At this time I do see collections/charge offs and other things that should n't reflect on my report. I do n't see an auto loan from XXXX XXXX that I had showing as credit history. I only show 8 months worth of credit history. This is obviously incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$1700.00} ; XXXX XXXX XXXX Balance : {$3400.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$49000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$3500.00}
Product: Vehicle loan or lease

On XXXX/XXXX/XXXX I entered into a lease contract for an Audi XXXX with Audi Financial services. The contract stipulated a monthly payment of {$660.00}. After several months the monthly payment began to vary ranging from {$670.00} to {$660.00} a month. I ignored this until XXXX, XXXX when I reviewed the monthly statement. I then saw that I was being charged a late payment fee of {$6.00}. No payment has ever been late. Late fees were also included in the two previous months. I called Audi Financial on XXXX/XXXX/XXXX and was told the late fee was a system problem with their accounting system and it would be corrected and my payment adjusted. I was also informed that my new payment amount going forward was to be {$670.00}. I was also assured that Audi Financial had not recorded my payments as late. 

On XXXX/XXXX/XXXX I logged on to my Audi account and observed the following. The amount due for the XXXX payment prominently displayed on my home page was {$660.00} with no indication of a late fee. The amount due on the monthly statement however appeared as {$670.00} including the late fee charge. In a series of email exchanges with XXXXudi Financial I  attempted to get clarification as to the actual payment amount due for the XXXX payment. At this point four different payments were possible : original contracted amount of {$660.00} amount stated by customer assistance of {$670.00} amount shown on my Audi home page of {$660.00} amount shown on monthly statement of {$670.00} The last response from Audi Financial regarding this confusing state of affairs was " We appreciate your feedback and apologize we are unable to meet your needs. '' Although the actual dollar discrepancies are small I do not think it unreasonable for the financial company to provide me with consistent information regarding monthly payments. I am also concerned that my statements have included a late fee assessment for at least three months even though all payments have been made on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account SYNCB/JC PENNEY DC Opened Date XX/XX/2016 which has been deleted by XXXX and XXXX. XXXX and XXXX  have both completed their research and determined that SYNCB/JC PENNEY DC was not established by myself but XXXX  keeps verifying this accounts. Also, when I called the company they responded that XXXX   did not send them all of the verifying evidence to confirm each account is unverified.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/year> Experian XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number : XXXX PERSONAL INFORMATION UPDATE REQUEST To Whom It May Concern : I recently obtained a copy of my consumer report and noticed that you are reporting inaccurate information in my personal information section. To diminish speculation mu information is as follows : My Full Legal Name : XXXXXXXX XXXX XXXXXXXX XXXX Please DELETE all other references to names as they are not mine and I have never used any of them. 

Please be sure that my address is listed correctly. 
My Address : XXXX XXXX XXXX XXXX, NJ XXXX Please DELETE addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 

DELETE ANY and ALL other phone numbers. 

I DEMAND my social security number and date of birth be removed from being displayed on the consumer file for privacy reasons. 

DELETE all information in the employer section. 
Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated consumer report once the changes are complete to my contact information listed. 

My contact information is as follows : Name : XXXX XXXX XXXX XXXX XXXX : XXXX Address : XXXX XXXX XXXX XXXX, NJ XXXX XXXX, BY : XXXX XXXX, XXXX XXXX FOR : XXXXXXXX XXXX XXXXXXXX XXXX WITHOUT RECOURSE Enclosed : copy of State ID and Insurance bill showing proof of address
Product: Credit reporting, credit repair services, or other personal consumer reports

I am planning to refi my home in a few months. I only have a 5 '' android screen. No tablet, no public computer to use. I am XXXX & have trouble seeing without help. I requested print out of XXXX credit agencies after seeing scores only online. For only 2 credit reporting agencies can I easily find my credit scores : XXXX  & XXXX. There are popularly found together. Not Experian. I finally found my Experian score and saw a notation that this 1 score was much less than my other 2 and a negative note saying " ... score dropped XXXX points ... ''. I never downloaded my reports because I can't see on my phone all the details I need to see! I asked for print outs of all 3 agencies and got them successful EXCEPT for Experian. By mail, they sent me a " denial letter '' claiming I already downloaded it. I didn't. With this upcoming refi, I didn't because I have limited storage on my phone, & I'm going to need it for my refi. I also am on a fixed income and can't afford a new phone or having storage problems with it. 
So, I followed Experian 's instructions and sent them the ID copies and why, as I explained here, & " ... because I suspect " fraud '' being the reason for their claim of " XXXX point drop ''. 
Now Experian responds by sending me an email, " Dispute Results '' and I have to click on small print and sift through Experian legalise on their online email message " terms and conditions ''. I can't read it easily and why is this becoming such a major issue with them???? 
All I need right now is my printed out Experian credit report! This is all I ever asked for.
Product: Debt collection

AGENY IS REPORTING FALSE INFORMATION BY CHANGING THE OPEN DATE ON THE CREDIT REPORTS. THAT'S AGAINST THE REPORTING ACT LAW