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

Although the reporting is current and positive, the issue is that I never gave anyone permission to furnish or report anything to a credit bureau or consumer reporting agency. Since reporting to credit bureaus and other consumer reporting agencies by creditors is voluntary and based on 15 U.S.C. 1681b ( a ) ( 2 ) any consumer reporting the agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a Federal grand jury.

( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I have never given any credit bureau or consumer reporting agency my written permission to report to them. 

I sent out letters back in XXXX to XXXX  XXXX, and Experian requesting that they delete the accounts in their system as well as phone calls to all of the agencies since I did not authorize their reporting services. As of today, I have not received a response nor have the account been removed as requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX After carefully investigating the company XXXX XXXX, they are not even licensed to collect in the state that I live in Georgia.

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).

Consequences of Non-Compliance : Please be aware that any further attempts to collect this debt in violation of Iowa law or the FDCPA will be met with legal action. I am prepared to file a complaint with the Georgia Attorney General 's Office, the Federal Trade Commission ( FTC ), and the Consumer Financial Protection Bureau ( CFPB ). I will also seek damages as allowed under state and federal law.

Delete I demand that you immediately cease all collection activities related to this alleged debt. This includes, but is not limited to : Phone calls Letters Emails Reporting this debt to any credit reporting agencies, they are not even licensed to collect in my state that I live in Georgia.

As such, any attempt to collect the alleged debt from me violates Georgia state law and the Fair Debt Collection Practices Act ( FDCPA ).
Product: Debt collection

The original loan was for {$250.00} through XXXX XXXX  who has written it off and sold it to XXXX XXXX. Who call me cell phone repeatedly daily, call my work and say they are calling on legal arbitration charges, say they will be at my work or my home within 24 hours where ever they can find me. Stated that they are suing for {$3200.00} from a {$250.00} loan. They are calling anyone they can get in touch with and giving out my personal information, as well as harassing, false representation, pretending they are an attorney, calling from local numbers that you cant call back due to them being disconnected. I have also not received one notification from this company at all showing what I owe, what the original loan was for. I have asked for all of this and I get nothing in return. Stating Ive failed to comply, how am I supposed to comply when I have nothing in writing to verify this is correct. I dont pay people over the phone, I dont deal with harassment over the phone, nor do I deal with frauds. Also their company and phone numbers are plastered all over the internet as scammer, be aware, do not give any information to these people. Their number is XXXX, theyve also called from XXXX
Product: Credit reporting or other personal consumer reports

Transunion violated FCRA, FCBA & TILA
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, 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. 

On XX/XX/2022 a fraudulent charge was placed on my account for a subscription of a XXXX show named XXXX that put my account over the limit. 

In accordance with the Fair Credit Reporting act XXXX XXXX ACCT # XXXX ... XXXX, 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. 

On XX/XX/2022 my credit card was forced over the limit buy no action of mine. The over the limit was created by a finance charge that the company placed on my account on XXXX the XXXX XXXX
Product: Student loan

I attended a college named XXXX XXXX XXXX in XXXX, but that school got closed. There 's no information and no transcripts. It 's like I never attended. However, they worked with XXXX XXXX, which later became Navient. The school took the money, but then disappeared. XXXX XXXX XXXX became XXXX. Apparently that school also closed. It is now XXXX College. It seems that the school keeps disappearing after taking money from a private loan. I 'm now told by Navient that I owe them thousands, but I feel the school should be the one paying Navient since they closed and disappeared. Yet I feel that Navient and that school worked together to take away from the people. They expect me to pay, which I do n't feel I should do because I feel that Navient and the school worked together to scam.
Product: Debt collection

On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act this creditor has violated my rights.

15USC1681 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 an account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions. - Except as provided in paragraph the term consumer report does not include - any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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.

15 USC 1681a ( 2 ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report
Product: Credit card or prepaid card

Wells Fargo Credit Card was fraudulent with wire 2 wire transfers totaling {$8300.00} and after speaking with Wells Fargo XXXX dept. more times than I can count, over two months period, they did reimburse half of it and then just a couple days ago... again after many frustrating communications where we informed them we were going to sue, they released the other half into our account. BUT before we ever received the first half amount, Wells Fargo shamed us into paying the card off, which I did. However, after numerous calls still waiting to be reimbursed for all the FEES that they charged on the card that we no longer have. 
We are in our mid XXXX 's and because of all this we almost lost our car and home due to Wells Fargo lack of professionalism. As soon as we have been reimbursed for the unnecessary CC fees, we are closing our account. We truly hope Wells Fargo will do the right thing and allow us a settlement for our pain and suffering. 

This all started back in XXXX through this XXXX. 

Thank you, XXXX XXXX
Product: Student loan

I applied for a different income-driven repayment plan through FedLoans. I was already on an IDR but was eligible for a REPAYE loan to lower my monthly payment, as I plan to apply for the public svc loan forgiveness program. They told me I would be on administrative forbearance until the new payment arrangement started. They warned me that my first payment under XXXX would be bigger. I paid {$5.00} in XXXX for the forebearance payment and not two days later, they said I had XXXX student loan payment due on XXXX. They only gave me 2 day warning that I had a {$210.00} payment due! They did n't respond to an email asking for clarification. I was late paying about a week and surprised the payment was due. I wish they had to inform me of the new payment and give me at least 30 days to make that first payment. Otherwise, all is well. I just want them to communicate more clearly.
Product: Credit card or prepaid card

My complaint is for Visa Vanilla gift card. I received a {$25.00} gift card a few months ago, and recently on XX/XX/19 I decided to use it for a XXXX order. My total was {$8.00} so I still had {$16.00} left on it. The following day when I went to use it at a clothing store the gift card declined twice, I didn't think much of it as I thought the machine did not read the card correctly. Later on, I checked the card balance online hoping the card reader at the store had been an error. To my surprise the balance was in fact {$0.00} because after my XXXX purchase a merchant under the name XXXX took out the whole {$16.00}. Concerned, I called the number on the back of the Vanilla gift  card to clear up this situation. A man with a thick accent answered and told me we could file a dispute, he collected my name, phone number, email address, and physical address. Only to tell me I had to email my information to XXXX with all the information I had just provided him. This is all very sketchy, how can a fraudster obtain gift card information so easily? I pulled up that email address above and found many people with similar situations to mine with Vanilla gift card. These are all red flags and something must be happening at that company. I did not email them my information as I was dissatisfied with the level of unprofessionalism with which my concerns were addressed. Who knows what they will do with my information now.
Product: Credit reporting or other personal consumer reports

Pursuant to the provisions of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) and the Fair Credit Extension Uniformity Act ( XXXX ) under XXXX XXXXXXXX, I am writing to formally dispute the inaccurate information reported on my credit report regarding the account listed under XXXX XXXX XXXX XXXX  # XXXX. This account has been on my credit report for over XXXX years with several inconsistencies and errors that violate my rights under both state and federal law. I request that your agency conduct a thorough investigation into this matter, as required by law, and provide written confirmation of your findings. Issues with the Reporting Discrepancies in Dates of Activity and Verification : XXXX reports a " Date of Last Activity '' as XX/XX/XXXX, yet the " Last Verified '' date is XX/XX/XXXX. Similarly, XXXX reports a " Date of Last Activity '' as XX/XX/XXXX but with a " Date Reported '' as XX/XX/XXXX. These conflicting timelines demonstrate a lack of consistency and reliability. Inconsistent Dispute Resolution Reporting : XXXX states that the account is " Not Disputed, '' while XXXX reports " Subscriber reports dispute resolved - consumer disagrees. '' This discrepancy indicates failure to maintain accurate records as mandated under 15 U.S.C. 1681e ( b ). Unsubstantiated Balance Owed : The account reflects a " Balance Owed '' of {$2100.00} without sufficient evidence to support how this amount was calculated. The " Payment Amount '' is listed as {$0.00}, yet the account is reported as " Charged Off as Bad Debt. '' This is inconsistent and likely inaccurate, violating the FCRAs requirement for complete and accurate reporting. Derogatory Status Without Evidence : The " Derogatory '' status and " Collection/Chargeoff '' designation lack validation or supporting documentation from the original creditor. Additionally, no proper notice of this debt being charged off was provided, which may violate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Failure to Verify Information : The creditors failure to adequately validate the accuracy of the information before furnishing it to the credit bureaus violates their responsibilities under 15 U.S.C. 1681s-2 ( b ).
Product: Credit reporting or other personal consumer reports

I attempted to obtain my credit report via XXXX  and I was unable to do so. I proceeded to attempt to log in on myEquifax.com as I have done in the past, only to receive an error message " Please Give Us a Call- WE can't complete your request at this time. Please call. '' I do so. 

First, I spoke with an agent by the name of XXXX, verified my information and he attempted to reset my password. That's was unsuccessful. When he couldn't figure out how to fix this issue, he told me that I am unable to access my information due to an INTERNAL issue in which multiple credit profiles were created for me containing various different information, therefore, I would have to send my ID and SS card via mail so they can correct their mistakes and it once it was recieved it would be processed in 5-10 days. This is a violation of my consumer rights. This is clearly not fair, accurate and complete information!

Being a victim of identity theft before, I requested a supervisor. I was connected with XXXX ( who said his id number is XXXX ), who first off was rude and unprofessional, answering the phone simply " hello '' and " I heard you have an issue ''. XXXX then confirmed the same information and told me " no '' to any other alternatives to getting the problem fixed. 

I was told that being able to access my credit report online is basically a " luxury '' not a right and if I wasn't my credit report then I can call or mail a letter requesting it. This is absurd. Both agents admitted to Equifax 's negligence on a recorded line. I will be suing for violations as well as contacting my attorney generals office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I have an issue with three late payments on my credit profile thats not supposed to be there. The company I got my auto loan from XXXX XXXX XXXX waved the 3 months due to Covid 19 I also have documents that show the extension for the months of XX/XX/2020, XX/XX/2020 and XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 USC 1681 ( a ) ( 1 ) : The banking system is dependent upon fair and accurate credit reporting. Reviewing my consumer report I found several instances where there was inaccurate information that has created an unfair situation for me. I was never notified when this inaccurate information was furnished. I was also never notified about the initial investigation that led to the reporting of this inaccurate information. 

Pursuant to 15 USC 1681 ( a ) ( 1 ) : Unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. These repeated occurrences have undermined my confidence in EQUIFAX INFORMATION SERVICES and the banking system as a whole. Therefore, if this information is not removed, I will no longer be extending credit and will request that all of my information be removed from EQUIFAX INFORMATION SERVICES records.

Pursuant to 15 USC 1681 ( a ) ( 2 ) : EQUIFAX INFORMATION SERVICES is a powerless elaborate mechanism. This grave error has ruined my reputation, credit worthiness, credit standing, credit capacity and tarnished my character as a consumer.

Pursuant to 15 USC 1681 ( a ) ( 3 ) : EQUIFAX INFORMATION SERVICES has assumed this role. EQUIFAX INFORMATION SERVICES was not given express permission by XXXX XXXX or a competent court of jurisdiction. You have violated my rights as a consumer over and over again within the initial investigation as well as assuming that the information received was accurate. 

Pursuant to 15 USC 1681 ( a ) ( 4 ) EQUIFAX INFORMATION SERVICES is required by law to exercise their grave responsibilities with fairness, impartiality, and with respect for the consumers right to privacy. EQUIFAX INFORMATION SERVICES did not consult me as to the accuracy and validity of this information and assumed the transaction took place based on an unfair, partial perspective of a third party. As a result, my privacy has been violated.
Product: Debt collection

In XX/XX/XXXX, " The XXXX XXXX XXXX XXXX '' sent me two bills for large amounts that I have to pay. Since I could not afford to pay the entire amount right away, and they have not offered a payment plan, I decided to pay down the bill at about {$100.00} per month. I kept getting the bills for five months and every time, it comes with something called a " myEasyMatchCode '' that I need to put in along with my account number, when paying online. I used these codes to pay. After 5 months, they stopped sending the bills. So I tried to go online and used the same codes they sent before. Apparently the codes they were sending expire and so for no fault of mine, I could not pay in XXXX and XX/XX/XXXX. In late XXXX or early XX/XX/XXXX, I received a call from them asking if I would like to pay down the bill. I said that since the amount is large, I have been paying it down monthly. I asked why I was not getting the bills lately, but she just said " Ok. '' and hung up. Later in the month, I received a collection notice. The collection notices does not have the correct account numbers. 

My complaint is, XXXX XXXX XXXX XXXX never gave me a fair chance to pay since XX/XX/XXXX. They stopped sending the bills on their own and sent it to a collection agency without giving me a clue of what's going on. When I called the billing department at XXXX XXXX, the billing rep says I am at default because " I have not been paying for three months. '' How is this fair? Is this how consumers who are responsibly and conscientiously paying their bills will be treated on par with people who evade their bills? I called and informed the billing rep at the XXXX XXXX that I am paying down the bill every month, and he does not seem to care. He just kept insisting that I have not paid for the last three months, without acknowledging the fact that they were the ones who stopped sending me the bills and even the codes they used to send initially were expiring soon. 

If honest people who are paying their bills are treated like this, how will we gain trust with these large organizations? Without doing their due diligence as in offering a payment plan, informing me why they have not sent the bills, or that they were going to send this to a collection agency, how can they do this without following a transparent protocol?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Subject : request for removal of XXXX XXXX XXXXXXXX XXXX from all credit bureaus I hope this letter finds you well. I am writing to formally dispute the presence of an account on my credit report. I request that [ Credit Bureau Name ] remove all information related to the following account : Creditor Name : [ XXXX XXXX XXXXXXXX XXXX  Account Number : [ XXXX Date of Opening : XXXX XXXX XXXX XXXX Balance : [ {$500.00} I have carefully reviewed my credit report, and I believe that the inclusion of this account is inaccurate and unjust. I would like to outline the reasons for my dispute and kindly request your assistance in rectifying this matter. 

1. Inaccurate Reporting : The information provided by [ XXXX XXXX XXXXXXXX XXXX XXXX regarding this account is erroneous. According to my records, I have never opened an account with [ XXXX XXXX XXXX XXXX ] on the date mentioned above. Therefore, it is evident that a mistake has been made, leading to an incorrect entry on my credit report. 

2. Lack of Verification : I have not received any communication from [ XXXX XXXX XXXX XXXX ] regarding this account. No correspondence, statements, or notifications have been sent to me to indicate that I owe any debt to [ XXXX XXXXXXXX XXXX XXXX ]. I believe it is essential for the creditor to provide verifiable evidence supporting their claim and validate the existence of this account. 

3. Statute of Limitations : Even if this account were valid, the statute of limitations for collecting this debt in [ SC ] has expired. As per the applicable laws, any claim relating to this account is no longer enforceable. Therefore, the inclusion of this account on my credit report is both misleading and unjust. 

Based on the above reasons, I kindly request that [ XXXX ] initiate an investigation into this matter and remove the disputed account from my credit report. I expect a prompt response within 30 days of your receipt of this letter, as per the guidelines outlined in the Fair Credit Reporting Act ( FCRA ). 

Please find enclosed copies of supporting documents, including my credit report highlighting the disputed account, as well as any relevant correspondence or records that support my claim. I trust that you will thoroughly investigate this matter and take appropriate action to rectify the inaccuracies on my credit report. 

I also request that, in compliance with FCRA Section 611 ( a ) ( 5 ) ( A ), you provide me with a written confirmation once the investigation is complete and the disputed account has been removed from my credit report. 

Thank you for your attention to this matter. I believe in the importance of accurate credit reporting, and I trust that [ XXXX XXXX XXXX XXXX ] will handle this dispute with the utmost professionalism and diligence. Should you require any further information or if there are any updates regarding this matter, please do not hesitate to contact me at the address listed above or via phone at XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX refuse to remove an address that does not belong to me. its removed and then reappears
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to formally complain about the persistent inaccuracies in my credit report maintained by XXXX and Experian. Despite numerous attempts to correct these errors, the credit reporting agencies have failed to adequately address the issue. 

Specifically, the XXXX account is incorrectly reported on both XXXX and Experian credit reports. The account is erroneously listed as having been foreclosed upon and then subsequently charged off approximately four years later. This information is completely inaccurate and has had a detrimental impact on my credit score. 

I have attempted to dispute this information with both XXXX and Experian multiple times. However, their efforts to rectify the situation have been inadequate. The inaccurate information continues to appear on my credit report, causing significant financial hardship and emotional distress. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter and compel XXXX and Experian to delete the XXXX account in my credit report with XXXX entirely from my credit report. This account is inaccurate, misleading, and has no place on my credit history. 

I have attached copies of my credit reports, dispute correspondence, and other relevant documentation for your review. I am available to provide any additional information or documentation as needed. 

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