23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I paid Louisiana Recovery Services on XXXX XXXX in the amount of {$260.00}. This was for a medical account for XXXX XXXX. I asked for a letter confirming that the account had been paid and was told I would receive one. I have yet to receive this letter. 
I was also told to fill out the credit card authorization form and authorize {$11.00} and that would expediate and they would remove the account from all XXXX of my credit reports. I faxed in the form, called and verified it had been received. It had been received as of XXXX XXXX. I disputed the account on all XXXX credit reports as being paid. 
On XXXX, LRS did not remove the account and updated it, still saying it had not been paid. 
I called most recently in XXXX, at least 3 to 4 times. The last time, the representative lied to me telling my wife who was calling on my behalf that he had just spoken to me. Which was a lie, because I was in meetings in work all day and had not called them at all. 
As of XXXX XXXX, this account is still listed on all XXXX of my reports as unpaid. This is adversely affecting me and my ability to qualify for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed a letter about inaccurate accounts on my credit report. I never received a response and mailed another letter on XX/XX/XXXX. I still haven't received a response and it is XX/XX/XXXX!!!!!!!!!!
Product: Credit reporting or other personal consumer reports

This letter serves as an official demand for the immediate removal of fraudulent and inaccurate information from my credit report pursuant to the Fair Credit Reporting Act ( FCRA ) Section 605B, codified at 15 U.S. Code 1681c-2. Under this provision, you are legally obligated to block fraudulent information from my credit report within four ( 4 ) business days of receiving this formal notification.

The following accounts have been falsely reported to your agency and must be blocked without delay as they are the direct result of identity theft and were never authorized by me : XXXX XXXX XXXX XXXX XXXX credit card ) -Account # XXXX {$1800.00} XXXX # XXXX {$0.00} Along with the below unauthorized inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit score was lowered when nothing on my credit report has changed whatsoever .. Experian lowered my score for no reason. Then there was no source to check with or to complain We the consumer are left holding the bag with no one to complain to .. all automated systems that ask the wrong questions Credit Bureaus should be held accountable!
Product: Debt collection

TODAYS DATEXXXX ATTENTION DISPUTE DEPARTMENT RADIUS GLOBAL SOLUTIONS XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTIONS XXXX # XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX XXXX # XXXX XXXX XX/XX/1978 ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, the current debt from Nissan Motor Acceptance was {$12000.00}. On this date my attorney settled the debt for {$3800.00}. I have my legal documents from my attorney who worked with XXXX XXXX XXXX ( Debt Collection Company Nissan Motor Acceptance used ) to settle this debt with Nissan, which on the documents it states to pay $ XXXX  on XX/XX/XXXX, and at the end of each month I pay {$160.00}. I 've made every payment on time through my bank for proof it was paid on the agreed dates. At this time my current debt with Nissan Motor Acceptance should only be {$1500.00}. This is taking into account my payments for XX/XX/XXXXand XX/XX/XXXX I paid each month early to XXXX XXXX XXXX like the agreement states.

I disputed the balance of {$10000.00} on my credit report in XX/XX/XXXX with XXXX I sent in my document from my attorney and XXXX XXXX XXXX  to show XXXX proof that the debt was settled for {$3800.00}. Today, XX/XX/XXXX I received a letter from XXXX dated XX/XX/XXXX stating that my credit report has been updated regarding the dispute, however ; it still reflects the incorrect balance of {$10.00}, XXXX. I called XXXX today XX/XX/XXXXand I was advised that Nissan Motor Acceptance refused to update the balance. I asked if Nissan Motor Acceptance sent in any documents to dispute my claim and I was advised that they had not. The original balance of {$12000.00} has been clearly subtracted from the $ XXXX I paid inXX/XX/XXXX and the {$160.00} I paid in XX/XX/XXXX which is my agreed upon amount per my documents from my attorney and XXXX XXXX XXXX through Nissan Motor Acceptance. It does not reflect my payment of this month of {$160.00} which is understandable, because I just made that payment onXX/XX/XXXX.

It is my right as a consumer to have the correct information reported on my credit report. I 've tried to resolve this through XXXX  but their process and their customer service agents were always rude and never helpful. They only repeated themselves and had no solution or resolve. XXXX also keeps stating my current address in not reflecting on their credit report, however ; the credit report they sent todayXX/XX/XXXX that was dated XX/XX/XXXXreflects my current address. So it 's been like dealing with children that only read a computer screen and do NOT have any understanding of anything. Thus, I have not even attempted to dispute with the other credit reporting bureaus. I 'm working 10 hour days, 6 days a week and as a consumer I should not have to fight XXXX for information regarding my dispute or why my report has n't been updated. XXXX XXXX document dated XX/XX/XXXX clearly states my dispute information has been updated and it has not. That is misleading to the consumer and XXXX will not be helpful in giving an explanation as to why their document says one thing, but the REAL resolution on my credit report says XXXX is a lier.
Product: Student loan

I file this third complaint with the CFPB against Navient ( formerly XXXX XXXX XXXX for the following reasons : In Navient 's response to the XXXX prior CFPB complaints I filed last year, Navient indicated they would include a note to credit reporting agencies indicating I was disputing the debt Navient was reporting. In reviewing my credit report in XXXX 2016, I find that Navient has failed to report to credit reporting agencies that I am disputing the debt Navient has refused to provide me with a breakdown of the payments I have made to them and what portion of those payments have been credited as interest, principal repayment, fees, and penalties Navient has refused to provide me with the formula they used to calculate the amount they claim is owed Navient continues to negotiate in bad faith. Last year, Navient extended to me an offer to settle the debt. However, Navient did not convey the details of this offer, nor the fact that they had even made the offer, to the debt collection agency that they employed and advised me to contact to finalize the offer. When I informed CFPB and Navient of this fact, Navient then distorted the facts and suggested I mislead the debt collection agency. I did not - the debt collection agency had no knowledge of any settlement offer. Navient subsequently threatened that if I refused further calls from yet another debt collection agency, they would not honor any prior settlement offers Navient has now employed yet another debt collection agency that has begun contacting me at irregular hours. I have contested this debt, complained about Navient 's deceptive, unethical business practices, and have attempted to negotiate with Navient in good faith to reasonably settle the debt. Considering there can be no question that I have disputed this debt, Navient 's use of another debt collection agency is nothing more than another attempt at harassment and intimidation Prior CFPB complaint numbers : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Contact bureau via phone on XX/XX/2018, and speak with a very helpful representative name XXXX. He looked up some information that i submitted via fax and certified mail. XXXX started an investigation # XXXX, and was able to remove unauthorized hard inquires. He removed all but two and a 30 day late payment that was listed in error from XXXX XXXX prior to and investigation, so i called back and spoke with another rep XXXX, on XX/XX/XXXX i explained to her the situation, she said she was unable to help as i explained to her the time, date and rep i spoke with just 3 days prior. She said she initiated another dispute # XXXX, which i never received an email notification like i did on the XXXX while speaking with XXXX. Both times calling the reps stated that they were in call centers location outside the USA, and verified items electronically instead of an actual investigation into the disputes i sent in.
Product: Money transfer, virtual currency, or money service

I sent an international wire transfer to XXXX XXXX in XXXX from my US chase checking account on XXXX with a amount of XXXX USD. However its already been one month the recipient havent got the money. I tired to contacted chase bank more than 5 times to ask them investigate and recall my money back but there are no updates. And chase said I can only contact the wire department in app by secure message, which they never have a useful response.
Product: Debt collection

This company has reported a collection account on my credit report and refuse to remove it. I know nothing about the company or the account they are talking about. Ive never heard of them before and do not owe them anything. I never received and services or had any account with them. I have called to fix this with them directly and they stated its a medical bill, this is a violation of HIPPA regulations. It also may be mistaken identity I am a JR. my father has the same name.
Product: Credit card

This morning, I received an email saying " that we will make a Change in Terms to your Torrid Credit Card account. '' The email then asked me to sign into my secure message center to see those changes. 

I logged into my account ( not through the email ) and there were no messages in the secure message center. 

I called Comenity bank ( who handles the Torrid card ) to ask what was changing. They told me my XXXX was being raised to 35 %. 

I owe them no monies and I have never had a late payment. There is no reason for the interest rate to go up, much less to be at 35 %. 

I promptly cancelled my account. I then called the same bank about my AmEx card and found out that interest rate has been raised to 30 %. I cancelled that account as well. 

However, this is telling me that all the credit card companies are starting to charge exorbitant rates. After doing some research, I found out that ursury laws only apply to banks and not credit cards. BUT since banks issue the credit cards, I believe they should be held to the same usury laws.
Product: Credit reporting or other personal consumer reports

I XXXX : XXXX am submitting this complaint by my hand, there are no third parties involved. 
I XXXX XXXX, living soul, grantee absolute, beneficial owner and original creditor to open ended credit plans was denied my right of credit by XXXX XXXX XXXX XXXX XXXX XXXX in whole or in part of information obtained by reporting agency and third-party interloper EARLY WARNING SERVICES LLC. I was notified of this transgression of my rights on XX/XX/2023, when I created an application to open an account online, but was notified that I already had one, in which I knew I did not. I then called a fiduciary agent to inquire about the matter, a fiduciary agent informed me that I had an XXXX account and that I was clear to open a new account. I then traveled to the nearest CHASE to open an account in which I was denied. I then called a second time to inquire why I was denied, this time I was given a number to give to the fiduciary agent at the next bank I went to so that they could assure the next fiduciary agent that I was ok to open an account, however when I applied to no avail, I was denied again for the second time. The fiduciary agent was nice enough to let me know that it was due to the nature of FRAUD in relation to a company named EARLY WARNING SERVICES LLC. EARLY WARNING SERVICES has traumatized and harmed me exponentially with the adverse actions taken against me. The denial of my rights has now incurred civil damages pursuant to 15 USC 1640 ( a ) ( 3 ) ( A ) ( iii ) et al and are up to ( {$5000.00} ) or more in restitution. EARLY WARNING SERVICES LLC is now liable to pay me for the damages. 
1 Aggravated Identity Theft 2 Violation of The Privacy Act 3 Defamation 4 United Nations Declaration on The Rights of Indigenous Peoples 5 Universal Declaration of Human Rights 6 Violation of the Unfair, Deceptive, Abusive Acts or Practices 7 Violation of The Fair Credit Reporting Agency 8 Violation of the Equal Credit Opportunity Act _____________________________________________________________________ 1. Application ; see CFR Title 121002.2 ( f ). 
2. Account ; see CFR Title 121002.2 ( a ). 
3. Adverse action ; see CFR Title 121002.2 ( c ) ( 1 ) ( i ). 
4. Transgression ; ( 1 ) To violate a command or law : SIN ( 2 ) To go beyond a boundary or limit. XXXX  5. Et al ; and others or and other people. XXXX
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam : My name is XXXX XXXX XXXX mailing address : XXXX XXXX XXXX XXXX, New Jersey XXXX XXXX I have submitted OVERWHELMING PROOFS that I am a member of the Equifax DATAT breach settlement. Despite sending Equifax Claim administrators my proofs, they continue to ALLEGE that I am not a member of the settlement. My claim number : XXXX and I have attached copies of the following : claim form from Equifax, Three ( 3 ) pictures that PROVES I am a claimant : One picture states, " Based on the information you provided, our records indicate that your information was impacted by this incident ''. Picture # 2 shows a " successful '' submission of my claim with a claim number of : XXXX and Picture # 3 shows : " successful '' submission of my claim with a claim number of : XXXX with a submission date of XX/XX/XXXX and see also : Equifax Credit Report XX/XX/XXXX, XXXX, Letter to Equifax dated XX/XX/XXXX via Priority Mail.pdf, Letter to Equifax with Exhibits and XXXX Receipts dated XX/XX/XXXX, XXXX, Letter to Equifax with Exhibits USPS receipts XXXX XXXX XXXX My Equifax Credit Report Summary XX/XX/XXXX XXXX XXXX Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
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 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 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 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 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 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 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 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 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 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 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 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 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 XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted and filed a complaint with lexis nexus and they keep saying the information is verified. These are addresses and names that are not associated with me.
Product: Debt collection

I have received two letters from Jefferson Capital concerning {$1600.00} of debt that I allegedly owed. The last of these letters was sent on XX/XX/2023. I had no idea where this debt came from. My wife called the number provided by Jefferson Capital to inquire on XX/XX/2023. They told her the name of the person who had taken on the debt, when purchases were made, and what payments he made, as well as the person 's address and phone number. This debt came from " XXXX '' and was through XXXX XXXX. At least one charge was made on a XXXX XXXX XXXX. I have never been on a XXXX XXXX, much less opened a credit card through them. The address provided to us was of the house I lived in when in XXXX grade XXXX XXXX  years ago ). It seems that one of these companies found my name as connected with that house and then started sending me these notifications. The person my wife talked to did not know how my name was attached to the debt. The same day, I called Jefferson Capital to file a complaint. I tried to ascertain from the call
person how my name became connected with this debt. He said that the man probably somehow got my social security number and address and opened an account. ( This does not make much sense, as he made 4 payments on the debt. ) We were able to dispute the debt.
Product: Money transfer, virtual currency, or money service

cash app is the company that is holding back {$3900.00} from a friend of mine I had a mistaken dispute on transactions i made with a recipient/friend of mine on XX/XX/2023, and on XX/XX/2023, the funds were reversed >>>> the funds from several transaction 's ( over XXXX ) were taken from my friend. So, I called the financial institution to cancel the dispute and return all the funds back to the recipient which they did, and cash app is saying they don't see the funds. I have been back and forth on the phone with XXXX XXXX  and cash app and I am getting nowhere this situation. in total there is {$3900.00} that is hanging in the air at cash app. I have statements and documents that funds were taken from me but never in the account of the recipient. I don't know what to do anymore this has been going for over a month now. Cash app keeps telling me there is no funds returned on their end and my bank keeps telling me the funds were sent back.
Product: Credit reporting or other personal consumer reports

I HAVE CONSISTENTLY CHALLENGED THE INACCURACIES IN THE INFORMATION PROVIDED TO TRANSUNION. UNFORTUNATELY, THE ISSUE REMAINS UNRESOLVED AT THIS TIME. 

1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.

2. The inquiry was not authorized XXXX XXXX  Date of inquiry : XXXX Please remove it from my credit report.

3. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XXXX Please remove it from my credit report.
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. 

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 XXXX XXXX XXXX XXXX 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 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

In my credit report there are XXXX accounts of american express these accounts do n't belong to me