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

Experian is rating me unfairly as a consumer. I have paid almost all my debt off and experienced identity theft. I have provided overwhelming evidence of this and they continue to dock me points because they claim that not enough is on my credit report. They claim my credit profile is too thin because I have paid all of my debt off, but I have been denied credit despite my exceptional history over 6 times this month alone while trying to purchase a vehicle for my family. They make me pre approved offers but since I do not want them, they decrease my credit a point or two at a time. Lenders have denied me credit and sent me documentation that states different than what my credit report reflects and even the score the lenders are reporting is inaccurate. I currently make over XXXX a year with no debt and I am unable to acquire credit and therefore purchase from our economy because of Experian. There is no credibility to their credit reporting. I have resolved issues with XXXX once all documentation was submitted and I was boosted over 90 points once it was resolved. This agency does not have the best interest of consumers and the economy in mind only their own and should not be able to make someone with my education and a contributor to society suffer without reason. Please allow me to provide documented proof and advocate for me to take action against them or encourage to report accurately and gauge consumers more fairly. If provided a representative I will provide overwhelming documentation against them.
Product: Debt collection

There are multiple problems with this collection. 
This collection is showing as an OPEN tradeline account on my XXXX report, not listed under collection accounts. Account number listed as XXXX. 

The charges in this collection are not valid and are inaccurate. I closed this account due to charges showing up that I did not know about or authorize, after making my last payment I told then to close my account. As XXXX was sued for cramming and settled, I believe that explains the billing issues I had with them. I was also not aware of any collection actions for an amount I do not owe until reviewing my credit report on XXXX/XXXX/2015. I never received a notice of my right to dispute this information. If information was sent it never made it to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018, Credco ( via XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.
Product: Credit card

On XX/XX/year> at XXXXXXXX XXXX  a new credit card application was submitted in my name and approved. It was for Chase Freedom Unlimited Card. Several emails then followed about this account. 

-Email stating I had signed up for Chase Mobile Alerts ( new mobile phone number provided was XXXX ). 

-Email stating that I signed in with a new device on XX/XX/year> at XXXXXXXX XXXX. 

-Eemail was sent to me stating I had signed up for " paperless enrollment ''. 

-Email stating that there was an " online email address change ''. 

I called Chase Credit Card and told them about fraudulent card opening and they cancelled new card.
Product: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year>2022. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate the account properly after I asked you to do it TWICE and your neglect has violated my rights. I am demanding a deletion of the following Accounts Name : XXXX XXXX XXXX XXXX Accounts Number : XXXX
Product: Debt collection

On XX/XX/XXXX, I received a letter from Phoenix Financial Services Saying that a debt collection of XXXX was owed for a Medical Bill from XX/XX/XXXXthat was paid already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking on my Experian credit report, XXXX XXXX XXXX is reporting me as having a late payment for XX/XX/2021, which as per the supporting documentation included with this complaint, I was not late and XXXX XXXX XXXX agreed to remove the error from all credit reporting agencies. Also, they are showing that I owe a balance, which I do not. And finally that the account is currently open, which again, it is not open. I called XXXX XXXXXXXX XXXX  customer service and they confirmed that the account is closed, I have a {$0.00} balance, and that the XX/XX/2021 payment was not late. However, the Agent could not assist me with correcting the error with the reporting agency.
Product: Checking or savings account

12 CFR Part 1026 ( Regulation Z ) Authority This part, known as Regulation Z, is issued by the Bureau of Consumer Financial Protection to implement the Federal Truth in Lending Act, which is contained in title I of the Consumer Credit Protection Act, as amended ( 15 U.S.C. 1601et seq. ) XXXX XXXX is in violation of Regulation Z and the EFTA by withdrawing funds from my XXXX deposit to credit a debt. 

Also, XXXX XXXX have used deceptive means when NOT having my " Scheduled Deposit '' show durning banking hours BEFORE the day it's to be available due to my Credit Card debt. THIS IS DECEPTIVE PRATICE. 

12 1026.12 ( d ) ( 1 ) General rule.A card issuer may not take any action, either before or after termination of credit card privileges, to offset a cardholder 's indebtedness arising from a consumer credit transaction under the relevant credit card plan against funds of the cardholder held on deposit with the card issuer 1026.12 ( d ) ( 2 ) Security interest - limitations The security interest must not be the functional equivalent of a right of offset. 

As a result, routinely including in agreements contract language indicating that consumers are giving a security interest in any deposit accounts maintained with the issuer does not result in a security interest that falls within the exception in 1026.12 ( d ) ( 2 ) I was NOT aware or intended to XXXX a security interest in my deposit account ( prepaid account ) Per Regulation Z, In addition to the account- opening disclosures, XXXX XXXX failed to provide me a document separate from my deposit account agreement and the credit card account agreement. 

This is NOT Constitutionally available for XXXX XXXX TO DO. 

I demand my funds credited and deposited back into my prepaid account immediately.
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX XXXX of Birth : Date of Birth : XX/XX/scrub>XXXX  Social Security Number : XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written to XXXX XXXX  about account XXXX XXXX XXXX XXXX that is is a fraudulent account open under my name. The account was removed and know was place in the credit bureau with many many months of been open.
Product: Credit reporting, credit repair services, or other personal consumer reports

Like many others, as a consumer, I absolutely do not feel like I have the power to control what is reported on my credit profile. People just put items on your report, and we have to spend time, energy and money to get it taken off! I am very diligent in getting my profile corrected. The Credit Bureaus have a responsibility to report correct information and its not fair when they do not! I have been disputing one particular account, for well over a year. My first dispute letter to XXXX XXXX was sent XX/XX/18! I have NEVER signed a contract or agreed to an account or affiliation with XXXX XXXX, but they keep reporting on my credit report and failing but failed to provide a copy of any alleged contract or other instrument bearing my signature. I am appalled and disgusted with all three bureaus as well as XXXX XXXX. They have all failed to verify any debt, as required by law. I have sent multiple letters to each bureau and XXXX XXXX as well. Ive sent almost 10 letters to resolve this! The bureaus have failed because they continue to just send back responses saying the account is verified. Both XXXX XXXX and each of the bureaus have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. I am requesting that you demand that the description of the procedure used to determine the accuracy and completeness of the information is provided by XXXX XXXX or they delete the negative information from my report. They should NOT have another 30 days for this! I expect it within the next 7 days! Theyve had over a year! Additionally, please ask them to provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, they should be aware that a printout of a bill or itemized document does not constitute verification. I am again, formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay the alleged amount to XXXX XXXX. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete and represents a very serious error in reporting. I am maintaining a careful record of my communications, should they continue their non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws, and they are all liable for their willful non-compliance. The law demands them to provide such documentation or the company/bureau are required to delete. I am requesting you have them to delete this debt, immediately from all three credit reporting agencies, XXXX, XXXX XXXX and Equifax, as per the law! Please find copies of my letters and company responses, but not validations or anything bearing my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion is reporting over 80 unauthorized hard inquiries to my credit report. Just TransUnion. Not XXXX  or XXXX. I have not authorized these inquiries and I have explained this to TransUnion. I want these inquiries removed because I have not authorized anyone to run my credit over 80 times. Other reporting agencies removed to as unauthorized but TransUnion has and will not. Please help me have these removed.
Product: Credit card or prepaid card

XXXX sent an alert Sallie Mae was attempting to obtain personal information. 
I have not applied for any credit cards, loans of any kind ( student, mortgage, car, ) in the last 19 years.
Product: Student loan

Firstmark Services, a division of Nelnet, has an automated calls system set up to notify a borrower when his or her account is delinquent. I paid my account yesterday. I received a receipt via email from them. The money was taken out of my bank account yesterday. Despite all of this, I still received an automated call today. This has now happened to me twice. I called to complain and was told that it had not yet been " noted, '' even though the customer service representative told me that I did not owe anything until XX/XX/XXXX. If they have ( a ) taken money out of my account, ( b ) plus I have received a receipt from them via email of the transaction, and ( c ) then been informed by a customer service representative that my account is up-to-date and I owe nothing until the next month, why am I still being harassed by automated calls? This is an embarrassment - it makes me feel that even if I do pay, I am still delinquent. Furthermore, they should NOT be allowed to call you over and over again in this manner, especially if your account has been paid.
Product: Debt collection

I am filing this complaint against Nation Credit Adjustors ( NCA ) for a collection that has been wrongfully placed on my consumer report. The collection agency has violated multiple consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). The specific violations are outlined below : XXXX. Failure to Provide Notice of Debt : * Under FDCPA Section 809 ( a ) ( 15 U.S.C. 1692g ( a ) ), a collection agency must send the consumer a written notice of the debt within five days of the initial communication. The notice must include the amount of the debt, the name of the creditor, and a statement of the consumers rights. The collection agency has failed to send me this notice. If proof of notification is to be provided, it must include a copy of the certified mail with a receipt bearing my signature as validation of the notification.

* 2. Lack of Validation Information : * Under 12 CFR 1006.34 ( b ) ( 5 ), the collection agency is required to provide validation information for any debt they are attempting to collect. Despite my requests, the agency has failed to provide the necessary validation information, yet they have placed the collection on my consumer report.

3. Denial of Dispute Rights : * According to 12 CFR 1006.34 ( c ) ( 4 ) ( i ), consumers must be given the opportunity to dispute the account. The collection agency has not provided me with a chance to dispute the debt, thereby denying me my rights under this regulation.

4. False and Misleading Representation : * The collection agency is using false, misleading, and deceptive means to collect the debt, which is a direct violation of the FDCPA. This includes misrepresenting the amount, status, and legal liability of the debt.

5. Failure to Provide Required Disclosures : * The collection agency is in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( a ) ( 7 ) ( A ) by furnishing information to consumer reporting agencies without providing any and all disclosures required by law.

Relevant Legal Precedents : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  * This case underscores the obligation of furnishers to report accurate information and the consequences of failing to do so. 
XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX XXXXXXXX ) : * This case highlights the duty of credit reporting agencies to reinvestigate and ensure the accuracy of reported information. 
XXXX. XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) : * This case focuses on the standards for reasonable investigation under the FCRA.
Product: Checking or savings account

Wells Fargo is engaging in unfair practices of charging overdraft fees on small payments they make. In addition, Wells Fargo would return a check for {$450.00} and not cash it because they will not make unfair profit from it. However, well Fargo will make sure to charge a {$35.00} fee on an incoming transaction of $ XXXX and make profit especially if multiple of such transactions appear in a particular account. If you call them to request for a refund, they always claim that they have yearly limits on such. There are times when customers like me fall on hard times and you need to pay a bill that is critical to running a business or having critical utilities but Wellsfargo has over and over shown disregard for such transactions. Their bottom line is how much fees and how much profit can I make from this customer. When you ask them about how much interest they pay customers for putting money in their banks, the answer is less than {$1.00} or XXXXwhy is this continue to happen and being allowed?
Product: Credit reporting or other personal consumer reports

Dissolution of marriage in XXXX of XXXX. Wife stayed in home. Divorce decree states she was to keep home and fulfill mortgage payments. She had me sign a Quit Claim Deed. XXXX XXXX XXXX informed me after I discovered my name is still listed as primary mortgage holder on loan that I could not have my name removed from the mortgage unless the mortgage was satisfied by either a refinance by my ex wife or by the home being sold or the mortgage being satisfied by being paid off. It is my understanding that since I am the primary on the mortgage and a veteran using the VA Loan benefit on said mortgage, my name must be released from the mortgage and my ex wife can not benefit from the VA Loan conditions since I am no longer living there and she has taken possession of the home as of XXXX XX/XX/XXXX. I have not lived there since early XX/XX/XXXX. The Divorce decree was issued on XXXX XX/XX/XXXX. XXXX XXXX XXXX customer service has refused to take into account that the mortgage was a VA backed loan and did not make any effort to rectify this situation when I called twice. They did not investigate nor did they seem to comprehend my position. I have waited 13+ years trying to get this taken care of. Meanwhile, the mortgage amount has counted against my income to debt ratio when trying to buy anything. I can not buy a home of my own nor anything else of substantial value. She immediately moved in her boyfriend in XXXX of XXXX and of course he is not on the mortgage but is enjoying the home I built and I have been homeless twice since XXXX. This situation has caused undue hardship on my creditworthiness, financial stability and living conditions. I ask that this be investigated so that I can move forward financially and be able to take advantage of my VA Loan Benefit and purchase a home. I can not obtain a mortgage while XXXX XXXX XXXX and my ex wife refuse to adhere to the provisions of the VA Home Loan Agreement.
Product: Payday loan, title loan, or personal loan

The total loan is {$5500.00}, we got it on XXXX, 2019, and XXXX we sing documents they said the interest rate should be some %, but we notified after 6 months doing payments of {$400.00}, each month, that the principal amount of the loan paid is only {$1700.00}, that means in 6 months we paid {$1100.00} in interest, I feel it is very high interest charge, if you guys can help to verify if this company are doing this high interest charge under the law
Product: Credit card or prepaid card

- Signed up for a SoFi Credit Card on XX/XX/2022 through XXXX XXXX where I was offered {$200.00} if I spent {$1500.00} within 3 months. I was instantly approved for the card when signing up. 
- I completed the {$1500.00} spend requirement on XX/XX/2022. 
- I chatted with SoFi support on XX/XX/2022 asking when I would be getting the bonus since I completed the terms. 
- The support agent said they would put in a ticket with the backend rewards team to see if they can check into it and I would be getting an email from them with an update. 
- I then chatted again with a SoFi support agent on XX/XX/2022 asking for an update on the ticket since I never received any email communication. 
- I was told by the support agent that I did not signup though XXXX XXXX and that I signed up through the SoFi website. I told them I 100 % did signup through XXXX XXXX and have screenshots. I then provided them the screenshots and the SoFi support agent said they would attach them to a new ticket and I would be receiving an email with an update. 
- Today ( XX/XX/2022 ) I called SoFi support and once again asked for an update on the ticket since I did not receive an email. The support agent told me the rewards team denied my request again because it shows on their end that I did not apply for XXXX XXXX. 
- I explained to the agent once again to look at the screenshots which clearly shows I signed up through a partner link ( XXXX XXXX ). 
- The agent offered for me so speak with their superior and I said yes. The " Account Manager '' then came to the phone and reconfirmed everything in the notes and told me there is not much she can do as a manager. 
- She offered to speak directly with the rewards team to get it appealed and that she would call me back between XXXX EST today ( XX/XX/2022 ). 
- The account manager XXXX called me back at XXXX and told me there's nothing they can do. She said that I got a higher tier bonus of 3 % which quite literally did not exist at the time I applied for the card. So that was clearly made up.
Product: Credit reporting or other personal consumer reports

SECURITY ALERT or FRAUD ALERT was placed on my report without my consent.
Product: Credit reporting or other personal consumer reports

Experian is reporting fraudulent information. I have never had an account with the above-mentioned companies ( Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), nor did I give authorization for anyone to open any account in my name. Experian is required to block the fraudulent information within four days of receipt of documentation and has failed to do so. Attached are the companies and the amounts owed on the fraudulent accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having some issue with my credit and have noticed a few accounts that are not being reported correctly and based on the information I read online and on the CFPB website, I disputed these items with the credit reporting agencies. Experian keeps sending me emails saying they don't believe the disputes are from me after responding to them that it is me and giving them proof that it's me including personal information and documentation to support it. I'm trying to resolve these issues on my credit report and every time they reply with the same email! I don't even know how they got my email address in the first place, I never sent them my email, I sent them a dispute letter in the mail with the accounts in question. I'm curious if this is some kind of scam that Experian is doing to avoid correcting misinformation on credit reports? I was under the impression that the credit reporting agencies had to comply with laws that protect consumer rights. I read that the Fair Credit Reporting Act says they have to investigate and respond within 30 days directly from the CFPB website however, it seems they refuse to investigate and never respond within that 30 days. I also read that if they do not correct the misinformation or respond within 30 days they have to delete that misinformation, yet they never do. I am filing this complaint to let the CFPB know that Experian or someone acting as Experian is sending emails refusing to comply with these Federal Laws that are supposed to allow consumers to correct their credit reports. I'm asking the CFPB to please investigate on why Experian is sending these emails or if this is some sort of a scam that is preventing my information to be corrected.