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

Subject : Complaint Regarding Illegitimate Collections on XXXX, Experian, and XXXX Credit Reports To Whom It May Concern, I am writing to file a formal complaint against [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] for posting the same illegitimate collection on my XXXX, Experian, and XXXX credit reports. I believe that these actions are in direct violation of several laws and regulations governing the collection of debts, as well as my consumer rights. 

[ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] have both reported a collection account that I strongly dispute. Notably, these two creditors are attempting to collect on the same debt, which is misleading and damaging to my creditworthiness. I have attached copies of my correspondence with both creditors, demonstrating my efforts to rectify this situation. 

The actions of [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] appear to be in violation of the following laws and regulations : 1. Fair Debt Collection Practices Act ( FDCPA ) : These creditors are engaging in unfair and deceptive practices by double-reporting the same debt. Section 807 of the FDCPA prohibits debt collectors from using false, deceptive, or misleading representations, including those that falsely represent the character, amount, or legal status of any debt.

2. Fair Credit Reporting Act ( FCRA ) : The repeated reporting of the same illegitimate debt by [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] is a violation of the FCRAs accuracy and integrity requirements ( Section 611 ). It has caused significant harm to my credit score and overall financial well-being.

3. Consumer Financial Protection Bureau Regulations : [ XXXX XXXX XXXX ] and [ XXXX XXXX  XXXX ] have violated Regulation V, which implements the FCRA. This includes their failure to conduct a reasonable investigation into the accuracy of the information they reported and their disregard for my rights as a consumer.

4. Deceptive and Unfair Trade Practices Acts ( State Laws ) : Their actions may also be in violation of state consumer protection laws, including those related to deceptive or unfair trade practices. 

I believe that [ XXXX XXXX XXXX ] and [ XXXX XXXX XXXX ] have infringed upon my consumer rights by unlawfully posting inaccurate and duplicate information on my credit reports. This has had a detrimental impact on my ability to secure loans, housing, and other financial opportunities. I request that the Consumer Financial Protection Bureau investigates this matter thoroughly and takes appropriate action to hold these creditors accountable for their actions. 

I appreciate your attention to this matter and hope for a prompt resolution. 

Thank you for your assistance in addressing this issue and ensuring that my rights as a consumer are upheld.
Product: Debt collection

These inquiries need to be taken off. I have no knowledge about them, and the company acted without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX GS BANK USA 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 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.
Product: Credit card or prepaid card

I applied online for a Well Fargo credit card. I read all the fine print on the application and agreed to the hard credit check and proceeded with the application. I was emailed back that I was declined, reference number XXXX. When I contacted the phone number to hear why I was declined it stated, " not enough history from a previous Wells Fargo card ''. I am currently a Wells Fargo card holder and do not use that card for anything other than a balance transfer I did in XXXX XXXX, thus the low history ''. No where was it stated that previous card history would affect my application process or I would not have applied. I have very good credit, nearly XXXX credit score and have never been rejected. I talked with XXXX XXXX, executive office case # XXXX. Originally he offered to erase the hard credit hit as the easies solution on a recorded line. Another call from him after he spoke with underwriters he retracted this and said the company would do nothing for me. This is not right and should be stated somewhere in their policy to customers before they click to run the credit application. At this point I have cut ties with them and already opened another card that doesn't use this deceitful tactic to its customers. I would like at the very least, what was promised originally, the hard hit removed as it was under false representation from the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my report from  XXXX   XXXX   XXXX    XXXX   and from  XXXX   XXXX . I contacted  XXXX   XXXX    XXXX   @  XXXX  and spoke with  XXXX  employee #  XXXX  and he was unable to find any applications for me, and he even checked the archives. I contacted  XXXX   XXXX  and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries :  XXXX  Inquiry :   XX/XX/XXXX     XXXX   Inquiry :   XX/XX/XXXX     XXXX   Inquiry : XX/XX/XXXX   XXXX  Inquiry :   XX/XX/XXXX    XXXX  Inquiry :  XX/XX/XXXX    XXXX  Inquiry : XX/XX/XXXX  XXXX   XXXX   XXXX  Inquiry : XX/XX/XXXX ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  ,   XX/XX/XXXX  . Please remove all of these inquiries because they do not belong to me, and were not authorized by me.
Product: Credit card or prepaid card

My Citibank Credit Card Number was stolen and used to fraudulently sign up for a XXXX account on XX/XX/XXXX for {$84.00}. XXXX  additional charges were made for {$58.00} each, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in all, totalling {$250.00}. I noticed the fraudulent activity on XX/XX/XXXX and I immediately reported the card and stolen and marked these charges ( as well as some others ) as fraudulent. 

Citibank initially reversed all fraudulent charges, but XXXX disputed all XXXX  credit card chargebacks. Citibank sent XXXX  messages containing different documents provided by XXXX claiming the charge was legitimate [ ATTM : We-need-more-infoXXXX [ XXXX ] .pdf ]. The XXXX  messages included a document requesting confirmation of the XXXX XXXX charge, however the 4 messages all included the same document referencing the XXXX XXXX charge. No document was requested nor mention made for the charges on XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXX. I responded with the requested signed document on XX/XX/XXXX [ ATTM : XXXX XXXX dispute.eml ]. 

These documents showed the purchaser as a XXXX in the XXXX area, whom I have never met nor have any affiliation with. I used the information obtained from these documents to report the fraud to FTC [ XXXX : XXXX ]. I also reported this account information as fraudulent directly to XXXX under Claim ID : XXXX on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX  XXXX responded saying they could not confirm any fraudulent activity. [ ATTM : Unauthorized purchase claim complete - XXXX Payments.eml ] On XX/XX/XXXX, I received XXXX messages saying that the merchant provided documentation confirming this is a valid charge [ ATTM : dispute-update-XXXX [ XXXX ] .pdf ]. The charges from XXXX XXXX, XX/XX/XXXX, and XX/XX/XXXX were reinstated ( for a total of {$200.00} ). The XXXX messages all referenced the same charge, this time the XXXX made on XXXX XXXX for {$84.00}. No mention of the charges for {$58.00} on XX/XX/XXXX or XX/XX/XXXX were ever made, besides now showing on my statement.
Product: Money transfer, virtual currency, or money service

Went to bank to report incident and begin process to get my {$12000.00} back at the end of XXXX, 2024. Kept contacting company XXXX XXXX. Not until a few weeks ago that I heard that they were unsuccessfull in getting my money returned. The bank never should have paid that money in the first place.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX is a consumer reporting agency and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states, " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Core Logic is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. Core Logic the financial institution and the Consumer reporting agency XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX and Core Logic whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. Core Logic Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX is not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

Navy Federal allowed many transactions on my checking, and savings account that caused overdraft on both accounts.
Product: Credit reporting or other personal consumer reports

This is my 2nd endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$12000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$810.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now
Product: Credit card or prepaid card

Chase sent XXXX XXXX XXXX a letter on XX/XX/2022 offering to pay less than the unpaid balance on a closed account ending in XXXX I am his Power of Attorney, I've attempted multiple times, faxed them the POA XXXX - gone into a branch- and still can't give them a check for the requested {$5100.00} I was told I had 30 days to do this. 
I got the document late- because of mail forwarding. 
XXXX XXXX is incarcerated. 
I used this POA to sell his home. 
I am attempting to clear accounts- they say if I pay- they will notify credit reporting agencies that it's paid - not delinquent. 
The branch person was the most helpful- XXXX XXXX XXXX All the phone calls have been absolutely worthless. 
I've spent over 5 hours at this point trying to resolve this. 
I've never had a problem paying off a debt for someone else. 
This is unacceptable. I offered a wire, a Money Order, bank transfer, certified check- even cash. 
This is why consumers need the CFPB.
Product: Debt collection

XX/XX/XXXX called portfolio recovery spoke to XXXX XXXX I told her the debt needed to be removed since it was eight years old inception XXXX, she said no that there was a payment of XXXX paid XX/XX/XXXX I said neither myself or x paid this I asked for copy of payment she could not provide and said I had to pay I told her I could do a settlement because I was recently laid off at first would not take amount they said ok I asked for it in writing and she said she could not give me in writing until I gave my payment info routing acct number. Which I did not give since she was unwilling to give me anything in writing the debt is eight yrs old, they could not provide me documentation requested. She said this is not a judgement yet but rev by attorney and would be. This is wrong I tried to no avail Thank you XXXX XXXX I spoke to the rep at XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the accounts and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent accounts and inquiries are as follows : Accounts : XXXX. XXXX  - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$530.00} XXXX. XXXX XXXX - XXXX - XX/XX/XXXX - {$5300.00} Inquiries : XXXX. XXXX XXXX XXXX  - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX - XX/XX/XXXX XXXX. XXXX  - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update or remove them immediately in my report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Experian Dispute Department po box XXXX XXXX, TX XXXX Subject : Formal Dispute and Request for Deletion of Inaccurate Information Dear Experian Dispute Department, I am formally disputing the inaccurate reporting of the following account on my credit report : Creditor Name : XXXX XXXX Account XXXX : XXXX Status : Charged-off Balance : {$300.00} This account contains multiple inaccuracies that violate the Fair Credit Reporting Act ( FCRA ), XXXX XXXX XXXX  and the Consumer Financial Protection Bureau ( CFPB ) enforcement guidelines. The following errors require immediate deletion of this account from my credit report : Inaccuracies Identified : XXXX. Incorrect Balance Reporting The account originally had a balance of {$200.00}, yet Experian is reporting {$300.00} as both the highest balance and the charge-off balance, which is inconsistent. If late fees or penalties were applied, they must be itemized and legally validated. 
XXXX. Charge-Off Date Manipulation The account status reflects continuous charge-offs from XX/XX/XXXX through XX/XX/XXXX, which is a clear case of re-aging. According to the FCRA, accounts can only remain on a credit report for seven years from the first delinquency date. Since the account became delinquent in early XXXX, it should not be reported beyond XXXX, yet Experian is improperly re-aging the charge-off to reflect more recent delinquency dates. 
XXXX. Duplicate Delinquency Entries The payment history lists CO ( charge-off ) every month for four years ( XXXX ). A charge-off is a one-time event, and reporting it repeatedly violates FCRA XXXXXXXX XXXX XXXX XXXX which prohibits furnishing inaccurate information. 
4. Failure to Validate Debt Under XXXX XXXXXXXX, any disputed information must be fully verified with proper documentation from the data furnisher. I demand Experian provide : Original creditor agreement showing my signature Complete payment history from the original creditor Itemized breakdown of any fees and interest added 5. Consumer Financial Protection Bureau ( CFPB ) Violations The CFPB has recently sued Experian for failing to properly investigate disputed accounts ( CFPB XXXX Experian ). 
The CFPBs XXXX Supervisory Highlights specifically warned credit bureaus about re-aging charge-offs, which Experian has done in my case.

Demand for Immediate Deletion Since Experian has failed to report this account accurately, fairly, and fully verifiably, I demand immediate deletion of this account from my credit report. If this account can not be verified with proper legal documentation ( not automated responses ), it must be removed per XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I expect this dispute to be investigated and resolved within 30 days, as required by federal law. If this issue is not corrected, I will escalate the matter by filing complaints with the CFPB, FTC, and State Attorney Generals office and exploring legal action against Experian for FCRA violations. 

Please send me an updated credit report reflecting this deletion. 

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

This compliant is regarding numerous letters mailed and faxes to Transunion, XXXX, and XXXX Credit Bureaus since XX/XX/2017, I have kept documentations on when letters have been mailed and when they have been received by Transactioins. In these letters I disputed very old accounts that contain concerning information which is not correct and it is affecting my credit report and score. I disputed the accuracy of account # XXXX from XXXX XXXX  and the three accounts with XXXX XXXX accounts # XXXX. 

These items are in violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ), I have never owed this company and wrote Transunion, XXXX, and XXXX  about its accuracy and why it is appearing on my credit report. I have not heard anything from them and asking for proof to show which has been continually ignored and not provided. I have also repeatedly asked for evidence to support there reporting and their method of verification and they have failed to comply accordingly.
Product: Debt collection

I recently pulled my credit report and discovered that this company is reporting that I owe them a debt. To my knowledge this company has never provided me with a service. I have never entered into a contractual agreement with this company promising to pay them for said services.
Product: Credit reporting or other personal consumer reports

I was reported to the XXXX XXXX XXXX  XXXX  due to an ex girlfriend who was bouncing checks in my name and renting apartments opening up bank accounts with my knowledge
Product: Payday loan, title loan, or personal loan

My loan was disbursed on XX/XX/2018 by XXXX XXXX/Security Finance XXXX XXXX, ID and I was deployed on XX/XX/2018 to the XXXX XXXX. I contacted the company by phone and spoke to XXXX who gave me an email address to send in a request for SCRA benefits under Federal law guidelines. I was told someone would get back to me the same day, no one called me. Under the SCRA my interest rates are to be reduced to 6 %. I contacted the company in the beginning of XXXX and was told they would call me back the same day or the next day. I still have not heard back from the company about a new payment plan or reduction in interest. I feel the company is ignoring me in hopes I would drop the issue and continue to pay them the inflated interest rate.
Product: Debt collection

On XX/XX/2018 I sent a certified debt validation letter to Portfolio Recovery because there is a debt on my credit reports that this company has said it belongs to me. They have not sent me any validation of this debt and it has been well past the 30 days to validate.