23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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 XXXXXXXX, 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

XX/XX/year> Radius Global Solutions LLC XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Notice of Violation of the Fair Debt Collection Practices Act Dear Radius Global Solutions LLC, I am writing to formally notify you that your attempts to collect on the alleged debt referenced above are in violation of the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 16921692p. If you are not aware this entire claim is regulated by an arbitration agreement with XXXX XXXX XXXX, which clearly stipulates that any dispute must be resolved through arbitration due to the binding agreement. To date there has been no arbitration proceedings. As a direct result of that this is considered a material breach of the arbitration terms listed in the original agreement acknowledged by all involved parties. I confidently assert that you have no right to collect on this alleged debt. 

I am writing this as I humbly seek to have this discrepancy resolved both promptly and amicably. 

With that, my demands are as follows : You must promptly notify any credit reporting agency to remove all information and/or tradelines associated with this account. I request a written confirmation of that communication to be sent to the address you have on file ; A settlement agreement that I may retain for my records. 
Monetary compensation in the amount of {$1000.00}. 

While I do not desire or anticipate that your negligence may force me to purse further legal action, that option will be explored. In the event that needs to happen, you are subject to a significant increase in demands to cover damages, attorney fees, and more. I am sure a company of your caliber does not look to unreasonably be exposed to those routes. 

Thank you for your immediate attention to this matter. We look forward to resolving this issue promptly. 

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

I have filed a complaint about Experian 's fraudulent credit reporting and now Experian is retaliating by lowering my credit score from XXXX to XXXX even as my credit and debt levels have declined significantly in the same time. I have paid off debt over the last 18 months and when I applied for a home refinance mortgage, which I have now received, I complained because Experian showed me a credit score of XXXX and showed my bank a credit score of high XXXX 's. I complained and without any change in my credit Experian has lowered my credit score two months in a row even as their information about my lower no debt levels have been used to justify lowering my credit score. 

The reason given in my credit score is " credit utilization ''. Basically, I had credit cards but no longer use them. I have a HELOC but the balance is going down. When my Refi kicks in and my HELOC is paid off I assume that Experian will decide that my credit score and credit utilization will result in credit dropping to XXXX?????? Is this really what a credit reporting agency is suppose to do when consumers improve their credit during the greatest depression on earth? Is this how credit agencies are suppose to act after promising to show constraint in the media? 

Experian is the only credit reporting agency that is promoting lowering your credit score using a promotion on TV called Boost. It is a  fraudulent ad that should be free to consumers who provide their own credit information to Experian to boost their score but in fact have to upgrade their account to receive it. This is FRAUD AND IT WILL NOT ACCEPT THAT THIS IS LEGAL. I WILL BEGIN TO FIND A CLASS ACTION LAWYER TO FILE SUIT AGAINST EXPERIAN FOR FALSE ADVERTISING AND BEGIN TO PUBLICLY SHOW THE FRAUD OF THIS FIRM.
Product: Debt collection

I am writing this due to non-compliance with the AD ASTRA. THEY HAVE FAILED TO REMOVE INFORMATION THAT WAS AFFILIATED WITH PERSONAL DETAILS THAT WHERE CHALLENGED IN THE PAST. 

I strongly believe they are in violation of the FCRA and are refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I signed on to Experian to get my annual credit report. They billed me {$8.00} for my credit score. What I didn't realize at the time is that they also sneakily signed me up for credit monitoring at a whopping {$24.00} per month. I did not need this since I have already been forced to subscribe to XXXX due to the Experian breach last year. I immediately contacted Experian when I discovered this but they refused to fully refund the charges to my credit card. This is theft! This is fraud! Please don't let these credit reporting agencies take advantage of us consumers. This is the second time Experian has done this to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian in my opinion a fraud of great magnitude or totally incapable of doing what they claim they do correctly OR AT ALL. In trying to address report XXXX -- -- XX/XX/2021 and calling the number THEY PROVIDED XXXX XXXX once again that number provides NO CAPABILITY AS THEY THEY CLAIM IT IS THERE FOR THE DISPUTE IN QUESTION IS STILL NOT CORRECT SINCE THEY REFUSE TO ALLOW MY PERSONAL COMMENTARY EVEN THOUGH THEY CLAIM A PERSON CAN ADD THEIR COMMENTARY. XXXX XXXX DID XXXXTHEY DON'T! AND YOU, THE XXXX AS WORTHLESS AND INCAPABLE AS THEY ARE. YOU WILL CLOSE THIS IMMEDIATELY AS YOU HAVE DONE THE HUNDRED OR MORE COMPLAINTS PREVIOUS. BY OPINION A BLIGHT AND SHAM ON THE AMERICAN PEOPLE. THE REPO WHILE UPSETTING NOT THE ISSUE. THE FACT THE LENDER CAN NOT PROVIDE THE TELEPHONE RECORDS AND DISMISSES THEM AND EXPERIAN DOES NOTHING ABOUT THAT IS AN EVEN GREATER FRAUD. THEY DO NOT ALLOW THE COMMENTARY TO THAT EFFECT! THE DISPUTE PROCESS AS THE CREDIT MONITORING AND FICA SCORES ALL A SHAM. IF YOUR READING THIS AND TOLERATE THAT YOU ARE EITHER COMPLACENT OR LIKE THEM.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX CFPB responded to XXXX : We've sent your complaint to the company, and we will let you know when they respond. Their response should include the steps they took, or will take, to address your complaint.Companies generally respond in 15 days. On XX/XX/XXXX CFPB further responded to XXXX : This complaint appears to be a duplicate of a complaint we've already received. Experian 's responses to XX/XX/XXXX XXXX and subsequent XXXX, XXXX, XXXX, XXXX and XXXX included " ... the results summary was sent to you for review, XX/XX/XXXX '' THIS IS NOT A DUPLICATE. The XX/XX/XXXX summary for my review HAS NOT been received.
Product: Credit card

I received a notice in the mail today dated XX/XX/year>, indicating my application for an XXXX XXXX XXXX XXXX credit card account requires additional documentation to approve. I did not apply for this card. 

The header on the notice is JPMorgan Chase Bank. I tried calling the number in the notice but they asked for my SSN ( which is one of the items requested as required in the letter and I hung up without providing any PPI. 

I believe this is an attempt at fraud. 

Thank you!
Product: Debt collection

Had my credit ran to obtain car loan XX/XX/22 and a XXXX debt appeared on my credit report. I do not have a XXXX account or debt. My cellphone has been provided through my employers for past 18 years. I have filed a dispute with XXXX. XXXX is down for maintenance. XXXX wants money for credit monitoring. I just want this fraudulent report off my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my credit report regarding a charge-off. The account in question is listed as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  It has come to my attention that the charge-off is being reported month after month on my payment history, which is incorrect. According to the Fair Credit Reporting Act ( FCRA ), negative information such as a charge-off should only be reported once, corresponding to the date it was charged off. 

The FCRA requires that credit reporting agencies ensure the accuracy of the information they report ( 15 U.S.C. 1681e ( b ) ). Repeatedly reporting the charge-off each month results in a misleading and inaccurate credit report, which has significantly harmed my credit score. Additionally, the statute of limitations for reporting a charge-off is seven years from the date of the first delinquency that led to the charge-off ( 15 U.S.C. 1681c ( a ) ( 4 ) ). Continuously reporting this charge-off as a new event each month does not reset the statute of limitations and is improper. 

I request that you promptly investigate this account and correct the inaccurate information by removing the repeated entries of the charge-off from my payment history. Please update my credit report accordingly and provide me with confirmation of these corrections. 

Thank you for your prompt attention to this matter.
Product: Checking or savings account

I am a XXXX XXXX and I have been flying to many places in short of time and mostly of the times my bank is great on confirming my activities.

Last week I had two activities using my card in XXXX XXXX XXXXXXXX when I wasnt there. I was in XXXX XXXX. Same day I noticed I called my bank to block my card. 
I opened a claim to dispute the two transactions made in XXXX since I was not there and also didnt recognize those purchases. 
The bank cancelled my card. Sent me a new one. Opened the claim and I am still waiting to have my money credited until today. Its been more than a week Claim ID XXXX
Product: Credit reporting or other personal consumer reports

I am witing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document I am a victim of identity theft. I have multiple accounts and inquires that I DID NOT apply for listed on my credit report ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report, I would like these items deleted from my credit report as soon as possible. ACCOUNTS : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ), XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX XXXXXXXX 1681f 15 U.S.C. 1681g 15 U.S.C. 1681h 15 U.S.C. 1681i 15 U.S.C. 1681j 15 U.S.C. 1681k 15 U.S.C. 1681l Section 615 Section 616 Section 617 Section 618 Section 619 Section 620 Section 621 Section 622 Section 623 Section 624 Section 625 Section 626 Section 627 Section 628 Section 629 15 U.S.C. 1681m 15 U.S.C. 1681n 15 U.S.C. 1681o 15 U.S.C. 1681p 15 U.S.C. 1681q 15 U.S.C. 1681r 15 U.S.C. 1681s 15 U.S.C. 1681s-1 15 U.S.C. 1681s-2 15 U.S.C. 1681t 15 U.S.C. 1681u 15 U.S.C. 1681v 15 U.S.C. 1681w 15 U.S.C. 1681x 15 U.S.C. 1681y
Product: Debt collection

I have made some purchase through Klarna and they did provided 4 installments on XXXX purchase. Three were collected from my temporary digital card. I updated my permanent card and linked my bank account as well to take care of my last installment of XXXX but they havent collected from my account and purposely they assigned it to a collection agency with XXXX USD of late fee. 
I feel humiliated and though I paid the late fee but I feel its a nexus between Klarna and the agency true accord to play with the credit rating of innocent people and unfair trade practice to loot general public and damage the credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, Experian 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. Experian continues to violate my rights by publishing without my written instructions. I find that my consumer file is being irresponsibly tampered with. over the past year I have made several attempts to remind you of your duty pursuant 15 USC 1681. it appears you're intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that i am due, promised accuracy in my report based on federal law. I am making this effort as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations all of the unverified information must be promptly removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus I know that can not be verified or validated. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 CREDIT COLLECTION SERVICES added a derogatory on my credit report per XXXX XXXX XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditors did not verify this collection. Also, there was NO form of communication, contracts, or signatures for this account debt at all. A bill without a written signature does not validate the debt and anybody can send a bill and say its mine. According to the FCRA, CREDIT COLLECTION SERVICES violated my rights as a consumer and Im requesting legal action to remove this account immediately.
Product: Credit card or prepaid card

TD Retail Card Services XXXX XXXX XXXX XXXX SC XXXX Credit Card opened by someone else with my credit information in fraud and now they are changing my address. I am concerned about timely resolution. 

I was notified by my company 's Fraud Protection Agency. I contacted TD Credit Card Services and was told there was no account open in my name or social security number on XX/XX/2023. 

I put a freeze on my credit through 3 credit bureau reporting agencies to stop future issues. 

I received 2 letters stating that I had requested an address change on XX/XX/2023 from TD Retail Card Services. I tried to call and customer service was helpful and told me to call a different number for Retail Card Services. She explained there are different types of cards issued by this company. I tried to call them and they are only open Monday - Friday XXXX - XXXX.
Product: Checking or savings account

Hi Someone hacked my Chase Bank Account and did 31 wire transfers. Everytime, I usually do a wire transfer, I get a phone call with a 6 digit code chase provides. The fraudster was able to bypass this and run 31 transactions. Chase never called me to even ask are these activites fraud?? each transaction is 2 days apart. I never do this many transactions. They stole over {$120000.00} and Chase is not giving my money back. 

I called them and it took them over 1 month to have someone help me set up a special log in procedure. No service has been done by Chase. It is over 2 months I have put in this claim and still no money back.
Product: Debt collection

.I filed dispute with XXXX XXXX XXXX XX/XX/2016 And they replied that debit was reported correctly. I 've researched and spoke with threatening debit collector and now submit documents, reciepts, photos of there claim that last month rent unpaid and damage to apt . Made up this fictitious debit. I was in Hospital XXXX and family paid my portion of Section 8 subsidised rent. They stayed in contact with management concerning my status.When I returned home there were no doors to my apt . XXXX. Management informed me they had removed doors because of my not answering them. I was XXXX ill and now homeless no clothing all was lost ( antique furniture, family photos, jewelry, electronics, etc. )
Product: Credit card

Each month Ive had the same issue paying my bill. All of my debit card information is correct when I call or go online to pay. Online pay never lets me pay because my card information isnt correct, so I usually call. I tried calling multiple times, I reached out to customer service, I tried paying online multiple times, and spoke to a live agent on the website and I continuously kept getting the response try again tomorrow. Tomorrow turned into next week, then next month. So I was bombarded with fees and they reported late payments to the credit bureau. I have screenshots of the texts, Ive kept the emails, and my call log verifies how many times I tried to call.
Product: Debt collection

Via Certified Mail Receipt XXXX XXXX XXXX XXXX XXXX VALIDATION AND CEASE AND DESIST XX/XX/XXXX LVNV FUNDING LLC C/O RESURGENT CAPITAL SERVICE XXXX XXXX XXXX XXXX SC XXXX Alleged Account number : XXXX XXXX XXXX XXXX XXXX FXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX Georgia [ XXXX ] Dear LVNV Funding LLC This letter is regarding account # XXXX, which you claim, I owe {$780.00}. This is formal notice that your claim is disputed. 

Please remove any and all negative marks on my credit reports ( including, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : Assignments contract. 
1. According to 15 U.S. Code 6802, it is illegal for banks or financial institutions to report any data to third party companies, without proper consent. Please remove this information from my credit report.

2. According to FCRA Section 605B, it is illegal to report anything on my credit report without my permission. Please remove this inaccurate information.

3. According to 15 U.S. Code 1692c, you violated my rights by in lawful communications. Please remove this collection off my credit report.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

My contact information is as follows : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : XXXX XXXX XXXX
Product: Student loan

The US dept. of education lender Nelnet, incorrectly handled my loan and then claimed I was in Delinquency of payments.

I placed my loan in forbidden due to financial difficulties in 2019, and at some point Nelnet lifted this forbidden without my knowledge and with no notifications. I was unaware that payments were due and received no notifications at any time until I received delinquency notices by mail. They marked 16 separate loan accounts as delinquent even though I only have XXXX XXXX  account with them. I then payed the amounts owed and requested the forbiddency again as well asked for the credit delinquency reports to be removed. 
After several letters sent to Nelnet they refused to adjust my credit on the reason of " refusal of goodwill '', Although I was not requesting goodwill I was requesting for them to correct their error. 
Nelnet has erroneously changed my loan status without my knowledge, and placed my account and credit into a delinquency status which still affects my life to this day, leaving me unable to secure home loans and additional credit. Documentation will be attached.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute XXXX  errors, discrepancies, and unrecognizable accounts that are appearing on my credit report. I have carefully reviewed the information provided by your agency and have identified the following inaccuracies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I am starting to see that someone is applying for credit in my name I just brought a house on XX/XX/XXXX and I haven't applied for anything. Also I am seeing at lease to debt collections that have been paid and was placed on my report. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XX/XX/2020 XXXX  XXXX  XX/XX/2020 XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020