23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

RE : Experian Reporting of XXXX XXXX XXXX XXXX XXXXThis letter is a formal complaint that Experian is reporting inaccurate credit information. 
I am very distressed that Experian have included the this information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. No doubt the inclusion of this inaccurate information is a mistake on either Experian or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently for a a personal line of credit to start a business, which was highly embarrassing and has negatively impacted my lifestyle. 

The attached letter was sent to Experian USPS Certified mail XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I attempted to freeze my credit via Experian. The US FTC XXXX XXXX XXXX XXXX XXXX  at https : XXXX  ) indicated that this would be a free service. 

Summary : Experian appears to intentionally force consumers into buying their paid credit lock service. 

Specific problems : 1 ) Experian has a " Credit Lock '' service, which is paid ( see https : XXXX ). In small print, the Credit Lock site says that the service is separate from Experian 's credit lock ( Security Freeze ) request site. ( see https : //XXXX  ). It seems to be a 'bait and switch ' 2 ) After completing the online request form on Experian 's Security Freeze site ( https : XXXX ), including my social security number, I was presented with an error message that said I was missing my SSN ( but I entered it, using the option to see the entry I was making ). I believe the error message was intentional 3 ) Experian requires a written request to a Texas XXXX XXXX address. While my request is all about preserving security, Experian offers no guarantee that this process is secure 4 ) Experian offers an automated phone tree ( IVR ) which requests identifying information ( SSN, 1st digits of street address, zip code ) and then presents an error message. There is no option to speak with anyone.
Product: Credit reporting

The collection with XXXX was placed into dispute back in XXXX. The dispute reached XXXX in the month of XXXX and was completed XXXX. XXXX states that on XXXX/XXXX/16 Experian contacted their office and XXXX advised them that the account was no longer in dispute and that the dispute was completed in XXXX. As per a conversation with Experian on XXXX/XXXX/2016, they are stating that this conversation never happened. That their records show the dispute as being completed but they can not update their notes removing the account in dispute information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 my husband and I applied for a HELOC and were denied because of a remark on our credit report. It stated that our loan was settled for less than the full balance ; acct paid, foreclosure started. This is not true and our monthly reporting shows that we paid our bill on time. We wrote letters to all three credit bureaus and were able to get XXXX to remove the remark from both my report as well as my husbands. We have not had any luck with the other credit bureaus. We have hired a law firm to help us and they successfully got XXXX to remove the remark from my credit report but the negative remark is still there on Equifax. We have spent countless time, money on the phone trying to get this matter resolved. We were told it would take at most 30 days to resolve after we sent in our proof that the loan was paid in full and two years later this is still a problem.
Product: Credit card or prepaid card

My Capital One Quicksilver Credit Card was recently closed. I attempted to have my account reopened via Capital One customer service. This occurred XX/XX/2022 I explained that I am a XXXX XXXX XXXX XXXX and I was recently XXXX, with a XXXX XXXX  During this XXXX   my elderly mother was assisting me with paying bills, rent, and general up keep of my life outside of the XXXX. Unfortunately my elderly parent tried to pay my Capital One Quicksilver Credit Card bill without my permission and returned balances were the effect of my parent doing this. I called Capital One as soon as I realized what had happened explaining everything to them even that I was XXXX   during the time but, they told me nothing could be done. Stating it was my fault even though I was in the XXXX  and am XXXX. I am not sure why they are doing this and it has truly been an added devastation.
Product: Money transfer, virtual currency, or money service

I reached out via cell and email in regards to my wire transfer, but havent received a response from my bank, the receivers bank, nor intermediary bank. 

I am writing to formally report a dispute regarding an international wire transfer that I believe was part of a fraudulent transaction. I need assistance with recalling or recovering the funds and initiating an investigation. Below are the details of the transaction : Sender Name : XXXX XXXX XXXX Bank : XXXX, XXXX Transfer Date : XX/XX/year> Transaction Reference Number : XXXX Recipient Name XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Bank : XXXX XXXX XXXX  XXXX ( XXXX ) Recipient Account Number : XXXX Amount Transferred : {$9000.00} USD I sent this wire transfer as a payment to purchase a vehicle from XXXX XXXX XXXX XXXX in XXXX, based on information they provided. However, after speaking with the owner directly, it has come to my attention that the company has not fulfilled its commitment, gave away the funds, sold the vehicle and is refusing to provide the vehicle or return the funds. I now believe this transaction may have been fraudulent. 

I kindly request that you : XXXX. Attempt to recall or place a hold on the transferred funds if possible. 
XXXX. Initiate an investigation into this transaction as a case of suspected fraud. 
XXXX. Provide any documentation or guidance that may assist me in further pursuing this issue with the recipient bank ( XXXX ) or any intermediary bank involved. 

A FTC complaint, XXXX  XXXX  complaint, and police report have all been filed but have no way to contact the bank itself as the department refuses to respond or answer.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 through XXXX XXXX I had XXXX hard inquiries on my XXXX where they were unauthorized. I do not have any open accounts under those XXXX. The hard inquires are the following. XXXX XXXX XXXX, XXXX federal credit, TD auto finance, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX auto finance, XXXX XXXX XXXX chr, ally XXXX XXXX XXXX XXXX and XXXX. These were unauthorized and i wish to have them removed off my credit report immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting a consumer statement on my credit file that I did not authorize them to put on my credit file for creditors and lenders to see it is affecting my ability to get credit and hurting my credit personally they refuse to remove the unknown inquiries and refuse to remove the consumer statement that they have on my file I wrote a complaint about equifax and they used that complaint and put on my credit file as a consumer statement for others to see and I did not AUTHORIZE THAT. They are violating my fcra rights and my consumer rights as a consumer I want that statement taken down ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

the account number from wells fargo does not have any delinquencies, letter attached from the creditor. please help me to remove the inaccuracy from XXXX  and XXXX and XXXX thank you
Product: Debt collection

Re : PORTFOLIO RECOVERY ASSOCIATES and Multiple Disputed Accounts. To Whom it May Concern, I have disputed all of these accounts with Portfolio Recovery Associates in writing on multiple occasions, asking you to provide me with any contract between us, containing my signature, thereby proving that these are indeed my accounts, and that I have any contractual obligation to you. You have continued to reply to me with unrelated paperwork, and have failed to do this repeatedly. Your company also did not reply in a timely manner with the exact information that I have requested in multiple certified letters that I have sent, which you signed for, on XXXX  and XX/XX/17. By not replying in a timely manner to my correspondence, and failing to provide what I have requested of you for validation, not verification, you have not only violated federal and state laws, but you are continuing to report these alleged accounts inaccurately and causing me undue financial hardship. These inaccurate, unvalidated, unverified accounts that you continue to report to my credit files are causing me ongoing financial and emotional distress. They should have all been deleted long ago. Should you continue to choose to report this inaccurate data to my harm, and choose not to delete these accounts right away from all Credit Bureaus and third-party data providers, I will certainly file small claims actions against your firm for the maximum remedy provided to me by law. I have indicated this intention in correspondence with each of the Credit Bureaus as well. I am keeping detailed records of all correspondence with your firm, and the bureaus, which fully supports my position. And I will utilize it to file said claims should your continued negligence and inaccurate reporting make it a necessity. In addition, any court judgment upon which Portfolio Recovery may be claiming to rely upon to defend their position will certainly be challenged by me in court as Void on Its Face, lacking subject matter jurisdiction. I was unable to attend any hearings in order to defend myself, and case law which I have researched will support that any said judgment ( s ) are in fact void, based entirely upon third-party hearsay, no proof on record of a contractual obligation directly between myself and XXXX XXXX, and are supported primarily by unchallenged affidavits of fact which were provided to the court in my absence. By way of example of relevant case law, I offer the following : Default judgment must be proved by evidence entered on the record through a competent witness. See XXXX XXXX XXXX vXXXX XXXX XXXX XXXX of the XXXX, XXXX XXXX XXXX ( XXXX Cir. XX/XX/XXXX ). Statements of counsel in brief or in argument ARE NOT FACTS BEFORE THE COURT AND ARE THEREFORE INSUFFICIENT FOR THE COURTS SUMMARY CONCLUSION, XXXX v. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX.
Product: Credit reporting or other personal consumer reports

These accounts were charged off on the following date XX/XX/XXXX but shows it was XX/XX/XXXX. This account is also being updated as a collection on my report as if the account is still open from XX/XX/XXXX - XX/XX/XXXX and reporting a balance of {$79.00} on both accounts when the account should be XXXX due to the account being a collection account. The account status is also stats that its open with XXXX but closed with EXPERIAN. All the information on this account which is inaccurate and a violation According to XXXX XXXX XXXX XXXX, EXPERIAN, and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s2, 15 USC 1681i5, 15 USC 1681eb. This inaccurate information falsely manipulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following accounts : EXPERIAN Account name : XXXX XXXX XXXX Account Number : XXXX XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX
Product: Checking or savings account

Capital one Bank claims that I physically went to XXXX and physically gave them my debit card, and that I inserted my chip card into XXXX physical credit/debit card machine and purchased {$500.00} worth of merchandise. 

I did not do that, I did not purchase any thing from XXXX. Even more interesting Capital One claims that this is what their investigations found. 

I feel very uncomfortable at the fact that Capital one has my personal information, because for them to claim their investigators found that I went into a physical XXXX store and gave XXXX my credit card and used my chip to purchase is a lie, because there is no such thing as an XXXX store. 

I recorded the conversations so its clarified that Capital one continues to lie and has been charging my bank card and credit card for charges that I did not make, and what's more alarming is they've been doing so internally. Meaning capital one has been charging my cards for months. The first time this was done was was in 2020, they charged my card for {$600.00}, and I did not pursue it as I should have, but now I've been calling them and noticed its the same lie they tell.. 

The attached XXXX videos were recorded his morning, its of me speaking to two capital one reps, I've called multiple times and have spoken to very questionable people, who appear to be fraudsters or engaging in fraud, who claim to work for capital one bank. I've posted these on my XXXX XXXX Capital one recording with supervisor XXXX : XXXX : XXXX? XXXX Capital one recordings talking to capital one agent : XXXX : XXXX? XXXX Capital one recordings talking to XXXX XXXX agent part XXXX : XXXX : XXXX? XXXX & XXXX The recordings prove that Capital one is engaging in fraud, they never investigated anything and the problem is with their banking debit and their credit services. They are just making false stories up.
Product: Credit card or prepaid card

I charge my card for XXXX for flights with XXXX XXXX  XXXX and cancelled the transaction immediately. I spoken to XXXX/ XXXX and its a voided transaction and after 30 days the bank hasnt been able to return my money. Please help its an abuse!
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX Colorado. As a matter of fact, The XXXX XXXX and their Parent company, XXXX were investigated by the attorneys general of several states and have been found to have acted in a fraudulent manner. 

Because of the numerous claims of fraud and misconduct perpetrated by The Art Institutes, the Biden administration has just announced a blanket discharge for anyone enrolled at The Art Institutes from XX/XX/XXXX to XX/XX/XXXX. 

My Federal loans in the amount of {$70000.00} were discharged and my credit repaired. 

I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX 's. 

These private loans with a high risk of default were part of a package deal offered to " for profit online schools ''. But loans made to students in states outside of the agreement, or those who were not in default for XXXX  months or more during a " specific '' time frame, were excluded. 

I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit online schools. 

After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates?

Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance?

Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices?

I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved.

This application is a sham.

Why do we need to prove anything?

Navient knows who we are.

Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. 

XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! 

It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools NOW!
Product: Credit card

I 've got several fraudulent charges on my Discover Card. Some of the charges I was able to dispute online and some I could not. So, I sent them several letters about my disputes. They claim they have not received the letters and I should call about the dispute. I ca n't call because I 'm XXXX. I ca n't use relay services and I do n't have any family/friends nearby. It 's absolutely ridiculous that they ca n't look into my disputes without a phone call. There are XXXX large fraudulent charges I was unable to dispute online and they 're giving me the runaround about them.
Product: Debt collection

Portfolio Recovery numerous numbers, keeps calling me during the week, during the weekend. I told them to stop. They would not. Today, XX/XX/XXXX I told them they are breaking the collection federal laws. The call me from different numbers. Constant calls even on weekends. 
Today is Saturday, XX/XX/XXXX XXXX a.m. XXXX ThXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX These are just a few that I did not delete. I have told them to stop calling me. The debt is over XXXX XXXX XXXX I believe for {$XXXX} around that amount for a store no longer in business.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX reviewed my credit report and noticed a TD Bank credit card account that was not mine. I saw a New York apartment address associated with it. I have never had a New York address. Credit limit is {$2200.00}. Date open was XXXX. Status is current. Same day, I filed disputes with experian, XXXX XXXX XXXX. 

XXXX I read reports from all 3 credit companies and all three still had this TD account on my report. 

XXXX I called transunion and they said that they were convinced that the coping was mine because TD bank told them that when the person applied for the credit card that they supplied my name, social security # & address. Isnt that textbook identity theft? To me, thats not compelling evidence. 

I called TD bank and after 30 seconds of speaking with them they determined that this account was fraudulent after giving them my name, social security # & address. I was amazed that I could make this discovery in 30 seconds yet all three credit monitoring companies took two weeks to come to a different conclusion. The first person that unspoken to got me in touch with someone from their fraud department who said he needed to bring it to their credit card security team who would investigate and send me a letter in the mail. 

I then called XXXX and they told me the same common sense lacking information as transunion. XXXX told me to file a police report and a report here so that I could Provide them with proof that this account is fraudulent and then they would re-open their free investigation. Apparently they want you to pay for a real investigation. Im not a lawyer, but a report to the police or FTC is not proof- so I dont see how this changes anything. 

Thanks you any help that you can provide.
Product: Credit reporting or other personal consumer reports

Date : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX To Whom It May Concern : I have recently reviewed my credit reports and noticed you are claiming late payment ( s ) have been made on my account. I do not remember ever being late. 

XXXX with account number XXXX If you can prove that I was late please provide all statements and records of all payments made and missed since I opened the account. 

In the absence of verifiable information about any late payments, please inform the credit reporting agencies that the account and all payments have been paid as agreed. 

Sincerely, XXXX XXXX
Product: Debt collection

I finished my XXXX to XXXX lease this company is trying to state I owe when I do not. I disputed and received some stuff but it does not support the data they are trying to state I owe for. First they state I owe XXXX XXXX which I rented from XXXX XXXX and finished my whole lease. Please help
Product: Debt collection

XX/XX/2022 I sent RMP LLC a verification of debt letter and they sent a reply through mail the same day. 
In the reply they stated they are unable to locate XXXX XXXX ( me ) in their system. 
The verification of debt letter I sent them included my credit report with charges im unaware of and may violate my rights abd HIPAA laws.
Product: Debt collection

On XX/XX/XXXX I reached out to have this remove and they said that they are a debt collect attempting to collect I explain that the debt is not mines and to provide accurate information Supporting the info I asked for proof of contract with signature debt validation letter date contract was open with them payment info, etc.
Product: Mortgage

I had a modification approved with XXXX ... I paid all XXXX payments ON TIME and SPS is stating that they sent me the mod package, but they sent it to the wrong address. XXXX in XXXX was researching the case and lied to the CFPB. He stated the loan mod package was sent to the address that XXXX BANK had in the file. After thorough investigation XXXX is now involved and their XXXX offices is stating the correct address was given to them, but that SPS manually entered my incorrect address into the their system and the address was wrong. They left off the XXXX XXXX which is critical. I never received the package for me to sign. SPS CLEARLY made the mistake. I spoke with SEVERAL folks in the call center. They have notated in the account that the incorrect address was used, but XXXX department continues to lie and blame the cause of the wrong address is because when XXXX sent the file over that is what they gave them. I am working directly with XXXX as they are trying to remedy this. Their internal liaison has been in touch with SPS to notify SPS of their mistake and asking them to remedy it. The file is very clear to XXXX and to, me, XXXX XXXX that SPS will not take up for their mistake. We are asking them why? Why lie and blame?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX They just updated account XXXX XXXX They just updated the account XXXX XXXX XXXX XXXX  They just updated account XXXX XXXX XXXX They just updated account All of these were disputed XXXX XXXX XXXX XXXX no investigation was done They just updated the account. These are all errors on my credit report.