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

Experian Experian National Consumer Assistance Center XXXX XXXX XXXX XXXX, TX XXXX RE : Social Security Number:XXXX To Whom It May Concern : I have recently been informed that there is negative information reported by XXXX XXXX in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing chargeoff/collection/late on XX/XX/2017. 
I challenge the accuracy, compliance and reportability of this listing. 
Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to XXXX or any means of automated verification. 
Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. )  Violations of the Fair Credit Reporting Act My contact information is as follows : XXXX XXXX XXXX SSN : XXXX XXXX XXXX XXXX XXXX, CA XXXX P.S. Please be aware that dependent upon your response, I may be detailing  any potential issues with your company via an online public press release, including documentation of any potential small claims action
Product: Credit reporting or other personal consumer reports

Company Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, XXXX, TX XXXX Complaint Details : I am writing to file a formal complaint against XXXX XXXX XXXX regarding the unauthorized handling and reporting of my transaction history on my credit reports. According to the Fair Credit Reporting Act ( FCRA ) and other relevant federal regulations, such reporting is illegal without my explicit consent. 
Supporting References : Right to Privacy and Accuracy : 15 U.S. Code 1681 - Congressional findings and statement of purpose : o ( a ) Accuracy and fairness of credit reporting : Congress emphasizes the need for consumer reporting agencies to handle their responsibilities with fairness, impartiality, and a respect for consumer privacy. 
o ( b ) Reasonable procedures : Consumer reporting agencies must adopt reasonable procedures to ensure the confidentiality, accuracy, relevancy, and proper utilization of consumer information. 
Sharing Information and Consent : 15 U.S. Code 1681b - Permissible purposes of consumer reports : o Consumer reporting agencies may furnish a consumer report only with the written instructions of the consumer to whom it relates.

o They need my written consent to add anything to my consumer report. Without this authorization, it is a violation of the FCRA.

Obligation to Inform : 15 U.S. Code 6802 ( b ) ( c ) : Financial institutions must inform consumers about their right to opt out of information sharing.

15 U.S. Code 1681c ( a ) ( 5 ) : Consumer reporting agencies can not report negative information that is over seven years old, except for criminal convictions.

Opting Out : 12 CFR 1016.7 : Consumers have the right to opt out of having their information shared at any time.

Accuracy and Procedures : 15 U.S. Code 1681s-2 ( a ) ( 1 ) : No one should report inaccurate information about consumers to credit reporting agencies.

15 U.S. Code 1681e : Credit reporting agencies must maintain procedures to ensure compliance with the law and limit the furnishing of consumer reports to the permissible purposes. 

Given these provisions, XXXX XXXX XXXX and the consumer reporting agencies XXXX, XXXX, and Experian do not have my consent to furnish or report any adverse transaction history. Their actions in reporting this information without my permission are against the law. 

Thank you for your prompt attention to this matter. I look forward to your assistance in resolving this issue. Best
Product: Credit card

I have had this Capitol One XXXX XXXX credit card account since XX/XX/XXXX. XXXX approves credit limit increases every XXXX months as long as your credit report is in good standings. I have received XXXX credit limit increases after requesting them every XXXX months but was denied the XXXX time on XX/XX/XXXX with the message stating " XXXX XXXX XXXX XXXX has reported a recent credit delinquency. '' After requesting full credit reports from all three reporting agency 's, I have not had a delinquency in XXXX  years. The last time I had a delinquency, I did not even have this credit card account. 

Therefore, my credit report has not change other that adding on time payments throughout my tenure with this current credit card, having no delinquency 's during its duration, but am somehow only recently being denied due to delinquencies I do not have. 

I have tried calling multiple times and have had a customer service rep see that I have had XXXX increases and was denied my third. I stated I can send in full copies of my credit report but was told there is no where to send them, that the system for rate limit approve is automated. 

After already receiving rate limit increases through my tenure with this card, I should not be denied for delinquencies now, when no new delinquencies have occurred during my tenure with this account/card as proven by the reports from all three credit bureaus.
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

EQUIFAX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX  Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXXXXXX XXXX XXXX  Account Number : XXXX {$5100.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX : XXXX XXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXXXXXX XXXX Account Number : XXXX {$0.00} XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX {$7000.00} XX/XX/XXXX XXXX XXXX Account Number : XXXX {$5100.00} XX/XX/XXXXXXXX XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I urgently and respectfully request that the Credit Bureaus remove these fraudulent inquiries from my credit file, in strict accordance with FCRA section 605b, which mandates Credit Reporting Agencies to promptly eliminate any inquiries listed on an identity theft report. I have diligently included these inquiries in my IDENTITY THEFT REPORT XXXX XXXXXXXX, which I am resubmitting with this formal complaint. In anticipation of an update to my credit report within the next 15 days, I kindly request the immediate removal of the following inquiries : EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to have all the errors and inaccuracies reporting on my consumer report corrected with Equifax, but Equifax refuses to respect my privacy or abide my the federal laws in place my congress. There are still billing errors, incorrect addresses, phone numbers, names, collection accounts, and more STILL BEING REPORTED on my consumer report. Equifax has been willfully negligent in remedying my affairs and has continued to violate me and discriminate against me. My disputes with Equifax have not been investigated properly or validated. Also has violated my right to privacy 15 U.S.C 6801. This is last and final attempt to have this issue resolved. If Equifax does not honor my demand civil suit will follow. Please see attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureaus to do a thorough verification of everything on my credit report and they did. They stated that everything was accurate. I did my own thorough research and found improper inaccuracies on my credit report, even after the credit bureau 's thorough research. 

In accordance with the Fair Credit Reporting act XXXX  XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX XXXX # XXXX ; XXXX # XXXX ; XXXX  # XXXX ; DPT EDXXXX # XXXX ( account numbers are inaccurate ) has violated my rights.

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.
Product: Debt collection

American Express is claiming I owe a debt of XXXX on account ending in XXXX, all of XXXX and to XX/XX/XXXX I was falsely XXXX  on a case I later won. When I came home I had received mail claiming that I owed this debt and it was opened in XXXX, I filed a police report DC # XXXX for Identity theft and filed a complaint with the FTC I submitted all documents to American Express stating I did not authorize this account or have knowledge of this debt. I am now being contacting by a attorney from American Express who is trying to file a complaint in courts unless I come up with a settlement on this debt that I do not owe.I also filed a complaint on XX/XX/XXXX with the XXXX  in regards to this debt and this attorney from American Express XXXX XXXX XXXX, in which they are not XXXX  accredited. American Express also contacted me stating that on XX/XX/XXXX the account was transferred to XXXX XXXX XXXX  for collections. This collection company has also harassed me about this debt. So I'm being contacted by three different agencies in regards to this alleged debt. In the past 4 years this is the second time someone opened accounts in my name without my knowledge. I notified the credit bureaus and placed a fraud alert on my file as well as a security freeze I did not opened this account or authorize anyone to do so on my behalf
Product: Debt collection

This was a car loan which I totally paid off and as proof I received the Title to the car which is never issued unless a loan is completely paid off. A couple of years after, I had an accident in this same car and it was totaled ; my insurance issued a check for the cost of the car. The insurance company would NEVER issue a check and take in the car if I had n't the title. Hence, the loan was paid off leaving no debt.
Product: Debt collection

I received a Collection call directed for a co-worker on XX/XX/2024 aXXXX XXXX XXXX  from CBC LLC, phone number XXXX. The agent calling then proceeded to discuss my co-workers debt owed and demanded payment without even verifying who they were speaking to. This is blatant violation of the law.
Product: Credit card

I am writing to complain about the interest rate on my Chase XXXX card. It is currently at 28.24 %. This is high for a person who is a long term customer, pays regularly and has good credit. I am asking that you lower the rate. 
I contacted your customer service group and spoke with XXXX on XXXX. They could not help me. As a matter of fact all of the customer service people seemed amused by my request. 
This is a usurious interest rate. It is unacceptable that the rate is so high with the prime rate being at historic lows. I understand that you need to cover your costs and make a profit. But this is unacceptable.
Product: Debt collection

SECURITY CREDIT SERVICE : THIS COMPANY IS REPORTING AN UNVERIFIED AND INACCURATE ACCOUNT ON MY CONSUMER REPORT. THIS A VIOLATION OF THE FDCPA AND FCRA, AND IF THIS ACCOUNT IS STILL REPORTING ON MY CONSUMER REPORT I WILL BE SEEKING DAMGES UNDER BOTH THE FCRA AND THE FDCPA. Asked for certain documentation and it was not given to me. SO I WILL BE ASKING AGAIN, TO SEND ME THE ITEMS LISTED BELOW. IN THE RESOLUTION BOX. I YOU REFUSE OR DO NOT WANT TO SEND THIS INFORMATION, READ THE REQUEST IN THE RESOLUTION BOX BELOW.
Product: Debt collection

I am disputing a debt with Radius Global Solutions LLC and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that Radius Global Solutions LLC has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts. Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA. I am filing this complaint to request assistance from the CFPB in ensuring that Radius Global Solutions LLC provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.
Product: Debt collection

Portfolio Recovery Associates, LLC  claims to have acquired a debt by a  XXXX   XXXX  for a supposed purchase at a   XXXX   XXXX  .   I did not make this purchase. I have never heard of  XXXX  Bank and never received a bill from THEM for this supposed debt.   This REEKS of a scam
Product: Debt collection

company who had a caller id of CCS office continues to call my cellphone and will not identify what they want. Continues to as for personal information before they will talk to me like name address and SS # and I will not give any of that over the phone. Have asked them numerous times that they are calling a work number for my business and to remove the number from their database yet they continue to call harassingly and will not stop!
Product: Student loan

XXXX/XXXX/XXXX I ENROLLED AT XXXX CAREER CENTER IN XXXX XXXX FLA. 

MY GOAL WAS TO PICK UP A TRADE AND PICK UP A GOOD PAYING JOB TO SUPPORT MY BABIES, BECAUSE I HAVE XXXX KIDS. 

I ENROLLED INTO TWO PROGRAM AT THE SCHOOL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I COMPLETED THE PROGRAM AND WAS BEING PREPARED TO HEAD OUT IN THE FIELD TO COMPLETE MY XXXX AND OUT OF NO WHERE THE SCHOOL CLOSED ( WHAT HAPPENED NEXT ) 1. MY CREDITS FROM XXXX ARE WORTH NOTHING AND NO COLLEGE WANTS TO TRANFER AND ACCECPT THE CREDIT BECAUSE THE SCHOOL IS CLOSED 2. THE SCHOOL CLOSED WHILE I WAS ENROLLED AND DIDNT GET TO COMPLETE THE END OF MY PROGRAMS 3. XXXX DID NOT INFORM ME THAT MY ARREST/CHARGE WOULD OF STOP ME FROM WORKING IN MY FIELD. 

THE CAREER FIELD I CHOSE NEEDS AND REQUIRES LICENSE AND MUST TAKE A STATE REQUIRED TEST WHICH IS 10 QUESTION
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  Experian and XXXX  should not be reporting a chargeoff in the amount of {$6200.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had GAP insurance with XXXX XXXX and this balance was paid in full and therefore there is nothing to collect. I have attached a copy of the GAP insurance documents for reference. This false reporting of a collection is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will violate the Fair Credit Reporting Act XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXX Balance XXXX {$46000.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Mortgage

I recently had a conversation with Wells Fargo Medicaiton and Medication attorney. 

I was informed someone from Wells Fargo executive office would call me. The call came and the person who I spoke with had no knowledge of the conversation that I had with Mediation attorney and the person from Wells Fargo. She was clueless. 

It was informed to me and the mediation attorney will call me to discuss and explain how they came up with the amount of XXXX plus to pay off and close the loan. 

As the mediation attorney said, Wells Fargo knows but I don't. They keep saying it is a Wachovia loan but it isn't. When Wells Fargo bought Wachovia they bought all assets and debt. it was Wells Fargo who split the loan. Not Wachovia. WF applied their own application of how the loan will be set up. Why all the payments I made never never was deducted from the XXXX loan. It increased or stayed the same after Wells Fargo took over. 

The other complaint the woman I spoke with said in a very determined voice that this case is final and they never received that I sent them my insurance coverage on why they applied the amount of XXXX to the insurance coverage when I made the finale payment. 

Everything is falsified under Wells Fargo. They lie, they lie and they lie. They won't explain. 

It is not the end till I am reimbursed for the overpayment of insurance during the closing/payoff of my loan and how all my payments for the loan was never deducted from the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I was doing refinancing of my Mortgage and my credit was ran and the loan officer discovered that I had just received a student loan and my response was that I do not have any student loan. Here is the info about the student loan : XXXX XXXX Account : XXXX  Opened on XXXX Amount : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a first time home buyer class with a friend and come to find out I did not qualify because of my credit. When I sat with the loan officer she begin to tell me what I need to work on. Well the things she identified is not mine and I dont know how they even got on my report. I have contacted the FTC and my police department. I'm doing this on my own behalf. Please have these accounts taken off my credit so I can buy a home for my family.XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent TransUnion a letter disputing two accounts on my credit report. Both accounts were also in dispute with the original creditor as well. TransUnion has failed to respond in a timely manner as required by FCRA. The letter was delivered USPS Certified Mail with return receipt : XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, I sent TransUnion a letter disputing fraudulent and unauthorized inquiries on my credit report. I have disputed these fraudulent inquiries several times in the past two years. USPS Certified Mail with return receipt : XXXX XXXX XXXX XXXX XXXX. 

On XX/XX/2021, I called TransUnion and spoke with a senior supervisor. She verified receipt of both letters and would not disclose why the are not responding to the first letter. She checked my file and verified they do have a copy of the FTC affidavit and police report on file documenting that I am a victim of identity theft. The TransUnion representative clearly indicated on the phone call that TransUnion will not remove inquiries from my credit report, regardless if they are unauthorized or fraudulent or resulting from identity theft.
Product: Student loan

I 've received mixed messages from my lender, Mohela, concerning my loan balance : XXXX XXXX, XXXX : Received message from Mohela explaining my loans are paid in full. XXXX XXXX, 2017 : Received official paid-in-full letter. XXXX XXXX, 2017 : Current student loan interest statement now indicates my principal balance is {$17000.00}. <P/>If I owe $ XXXX, then why did I receive messages that I paid my loans in full?
Product: Credit reporting or other personal consumer reports

XXXX XXXX  and Experian are reporting late payments and amounts owed on an account that they Repossessed a vehicle. A year later they are both still reporting Im late on payments, I owe money and a charge off! They have repeatedly failed to validate the debt and falsely reporting to the Credit bureaus. I have canceled any power of attorney they may of had a year ago and they have accessed and reported false info over 12 times last year and continue this year once. All of this has been done to damage my reputation and for no other reason. These adverse actions allow us to get remedy for every incident.
Product: Checking or savings account

On XX/XX/21, i called Simmons bank 's corporate office regarding our debit cards, because it is getting close to the expiration date on our existing cards. I was told by the customer svc representative that our cards would be sent out that same week. The cards never showed up, so on XX/XX/21, i called the corporate office of Simmons Band and spoke to a customer svc representative named XXXX. I explained to her my concern that it was getting close to the expiration of our debit cards and she told me that my wife 's debit card had been sent out the previous day. As of today our debit cards have not showed up, so someone is giving us the runaround. For what reason. This is not the first time i have had to file a complaint against this financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISCOVER PERSONAL LOAN ACCOUNT # XXXX OPEN DATE XX/XX/2019 REPORTING ON MY CREDIT REPOR IS FRAUDULENT AND NOT MINE. THIS IS NOT MY ACCOUNT, THIS ACCOUNT WAS OPENED WITHOUT MY CONSENT, WITHOUT MY KNOWLEDGE. THE CHARGES ON THIS ACCOUNT, THE PAYMENTS ON THIS ACCOUNT ARE FRAUDULENT AND NOT MINE.
Product: Credit reporting or other personal consumer reports

In XX/XX/2024, I noticed two separate credit accounts on my credit report that appeared to be inaccurately reported and possibly unlawfully furnished. XXXX XXXX XXXX Account Reason for Dispute : Public records showed that XXXX XXXX XXXX XXXX had an Ended franchise tax status and Inactive Secretary of State status in Texas, indicating it was not authorized to conduct business in the state. This implied the company should not be reporting credit information for a Texas resident. 
Account Details ( as reported ) : A charged-off balance of {$5100.00} with a past-due amount listed since XX/XX/2024. 
Actions Taken : On or around XX/XX/2024, I sent a formal dispute letter to XXXX XXXX XXXX and the relevant XXXX XXXX XXXX ( Experian ). I requested immediate cessation of reporting and deletion of the inaccurate tradeline. I included evidence from Texas public records verifying XXXX XXXX XXXX unauthorized status. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Multiple discrepancies were found, including : An inaccurate payment history ( showing {$0.00} received despite a last payment date in XX/XX/2024 ). 
Conflicting charged-off status with a closing date that did not align with the listed high balance months. 
Incorrect terms ( e.g., {$0.00} per month for 75 months ), which did not match the actual loan agreement. 
Actions Taken : I previously contacted XXXX XXXX XXXX to correct these errors but saw no resolution. I then formally disputed this account with both XXXX XXXX XXXX and the credit reporting agencies ( Experian and XXXX ). I requested a complete deletion of the inaccurate information under the Fair Credit Reporting Act ( FCRA ). Continued Reporting and Impact : Despite my disputes, both tradelines remained on my credit report with the original incorrect or misleading information. This has resulted in ongoing harm to my creditworthiness and potential denial or less favorable terms for future credit.