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

I want to file a complaint against Experian Credit Reporting Services. I have off and on subscribed to Experian Services to obtain free and monthly reporting services to provide monthly credit reports from all 3 major credit bureaus Experian, XXXX and XXXX. 

My wife and I moved from XXXX  to XXXX  last year and had several inquiries on our personal credit as we sold items in XXXX  then purchased new items in XXXX. Understandable our credit was pulled several times which we understand impacts our credit. I personally have been in financial services for over 25 years so I understand how multiple inquiries can negatively impact your credit. 

My issue seems to be a systemic issue with the difference in what Experian shows as my credit score with what a local credit union shows as my score when they pull my credit. I researched thoroughly with what a bank or credit union requires when it comes to credit scores for certain products. I rely on Experian and my {$24.00} monthly subscription to provide an accurate credit score for myself and my family to make sound financial decisions based on the credit score provided. 

Recently I applied for a HELOC with the understanding that I needed a XXXX minimum credit score. As of today my credit score with Experian Credit Subscription showed a score of XXXX. The credit union provided me the credit report as of yesterday showing a score of XXXX. I would have never applied for the HELOC if I would have known my credit score reflected a XXXX vs the XXXX score Experian showed. 

As a consumer I find it necessary to bridge to gap with what Experian Credit Services shows as my credit score vs what banks, credit unions, credit card companies and any other company that makes a credit decision based off the information provided from one of the major bureaus to be accurate. Major decisions and peoples personal credit are impacted by the amount of inquiries and information being reported as accurate from the Credit Reporting Services provided by Experian and other agencies. 

Why the difference between what Experian Credit Services reports with what banks see when they pull your credit from a pure scoring perspective? I see this as a deceptive practice on the part of Experian. The data they report from their Credit Reporting Services is garbage and not accurate to say the least,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Debt collection

Requesting 1099c form from this debt of {$1300.00} the company Citi bank and XXXX XXXX
Product: Student loan

Mohela has continued to charge interest on my account despite my account currently being in forbearance for processing of the SAVE plan. I have continued to be charged interest despite receiving documentation that I should have a 0 % interest rate since XX/XX/year>.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The XXXX credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX Balance Owed : {$520000.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

I was shocked when reviewing my credit report and found late payments on the date below : XXXX 30 days late as of XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX 30 days late on XX/XX/XXXX and 60 days late on XX/XX/XXXX XXXX shows no late payments. There are clear discrepancies between the credit bureaus in the credit history. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Debt collection

No clue what happened, I have perfect payment history and accounts on my credit file. I went to get a loan and they said i was denied because of " Fifth Third Bank ''. 

I said how I have a perfect payment history with them! They showed me credit report and they showed me a account that was charged off and was never made aware of this! 

Tried calling they wouldn't give me much information, i said its not mine. I pay my bills on time and my other account is perfect payment history why would i open another account supposedly and not pay it makes no sense. 

They said i dont care your liable and hung up on me! 

The fifth third bank account charge off for XXXX is not mine and wasnt even aware of it until today!
Product: Debt collection

I have been a XXXX cellular customer for over XXXX years until the year of XXXX. XXXX promise there customers that for an upgrade fee and renewal of the cellular contract, the customers will be getting XXXX cellular service. I renewed my contract thinking I was going to get faster cellular and internet service. This offer was back in the XXXX. After I accepted this offer I did not get XXXX service, instead I got slow connections and a lot of missed and dropped cellular calls. This went on for months and XXXX did not deliver as promise. After I contacted XXXX and tried to get an explanation, I got a lot of apologies and no result or change of service as promised. I then contacted them and told them that the lack of their promised service which I was paying for was a breach of contract and I was not getting service as indicated in the cellular service contract. I then spoke to someone in sprint and they apologized for this inconvenience and I ended my contract and switched to XXXX cellular service. After a few months with XXXX, I received a collection notice from XXXX advising that I owe them money for breaking contract. I thought to my self wow after they did not deliver service as agreed on their contract they want me to pay after I spoke to them and they agreed that they were not delivering the service as promised because of some issued they have with a XXXX contractor. This is an unfair business practice and I immediately contacted the XXXX, XXXX and XXXX to notify them of this issue. This was back in XXXX. After the investigation was made against XXXX collection department ( Diversified Consultants ) they found that it was not accurate and deleted them off my credit file. Now this year on the month of XXXX, XXXX re-reported the collection as if it was a new debt using Diversified Consultants to XXXX, XXXX and XXXX. I then sent XXXX, XXXX and XXXX a letter notifying them that this was a duplicate collection and that the contract was legally broken and I did not owe then any money. Well unfortunately this time XXXX, XXXX and XXXX refused to delete the information and wo n't recognize this as an invalid debt even when it is an invalid debt. Please help me to resolve this issue and stop this unfair practice.
Product: Credit reporting or other personal consumer reports

I AM A VICTIM OF ID THEFT ; I AM WRITING TO DISPUTE THE FOLLOWING ITEMS XXXX XXXX XXXX XX/XX/XXXX ( {$8700.00} ) XXXX XXXX ( {$930.00} ) XXXX XXXX XXXX XX/XX/XXXX XXXX {$11000.00} ) XXXX XXXX XX/XX/XXXX ( {$400.00} )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX M, XXXX XXXX, FL XXXX XX/XX/XXXX SSN : XXXX Dear Sir or Madam : As of XX/XX/XXXXit is still displayed on all three of my credit report files, XXXX, Equifax XXXX XXXX. I was also notified that I could not use XXXX XXXX, CEO of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my XXXX credit report, the items I dispute on the attached copy of the report I received.The information on my credit report displays addresses that I have never resided in. What's fraudulently listed is the following ; XXXX XXXX XXXX, XXXX XXXX, FL XXXX ; XXXX XXXX XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX NY XXXX This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 

Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, XXXX CFR part XXXX, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt XXXX, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 

This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 001, 002, 006, 023, 024. 

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

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. XXXX XXXX Date Opened : XX/XX/2019 Balance : {$4600.00}, XXXX XXXX Date Opened : XX/XX/2019 Balance : {$1100.00}
Product: Checking or savings account

Card was placed on hold because of a transfer from a external account that didn't go through. But I didn't authorize the transfer at all. My account has been on hold for two weeks. Everytime I try to call to clear it up they tell me over and over the same thing and will not listen to anything I'm saying. They ask for an statement from XXXX account but I've said so many times that I can't obtain a statement because the account was closed so to begin hacked. XXXX will not send a statement on closed account
Product: Debt collection

Dear ( XXXX Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
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.
Product: Debt collection

On XX/XX/2020 I received a notification from my credit monitoring that I had a collection added to my credit report. 

I contacted the company, because I didn't receive any notices prior to this being on my credit report. I originally spoke to a manager and stated that I didn't receive any validation period to dispute the validity of the debt. 

He stated that he didn't have to give any period at all. I asked my advocate XXXX XXXX, who is very familiar with FDCPA, and gave him authorization to call on my behalf. 

His phone automatically records conversations since Texas is a 1 party state as per phone recording. 

The manager came on at approximately XXXX seconds of the recording, she stated that they never sent any documentation to me, and their procedure is that they have to send out communication within 5 days of contact. The issue is they put a collection that is not mine on my credit report in the middle of my mortgage loan, as well as when Im being prepared for my annual review for my job. Having derogatory credit could be a potential reason my employment could be jeopardized. 

This tactic can have collection agencies just put items on credit report and extort consumers like myself without any period to dispute the accuracy of the accusation and harm me financially in my case of a XXXX point drop. I have always thought after the collection agency receives the debt, a consumer has a 30 day period so in cases of mine I can send my notarized identification fraud affidavit? I believe this company is abusing collection practice.
Product: Debt collection

Im waiting for my insurance to get back with me due to they did not pay any of my medical bills when I was on short term leave.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching additional information/documentation that highlight that Wells Fargo made a bank error in regards to my account and attempted to withdraw my payment from a bank account that was not mine and had never been present on my account. 

Attached is correspondence from Wells Fargo on XX/XX/XXXX that there are no notes in the comments on the account that I made any change to the online account. 

In that same letter, Wells Fargo indicated that there was research that I changed my account from XXXX to XXXX, which is contradictory to confirming that I never made any change to the account. 

Wells Fargo stated that there was insufficient funds in this account from XXXX, and said that my account reverted by for subsequent payments to XXXX, for which every single XXXX of my payments since this account has opened since XXXX of XXXX has been made from. 

Also attached is my payment history on this loan, as well as as a verification letter from my bank XXXX, that confirms that my XXXX accounts with them opened in XXXX, which is around XXXX  years prior to me having an auto loan with Wells Fargo. In this verification letter, there is not XXXX account that I own that ends in XXXX. 

This connects to Wells Fargo having an internal banking error, that attempted to withdraw from an account that I have never owned, which has been confirmed by my bank, and is supported by the history of the XXXX payments made to the account from the checking account ending in XXXX. 

This bank error caused my credit score to drop by more than XXXX points, and the representative working on the account, and I would like the negative credit reporting as a result of this bank error reversed immediately.
Product: Credit card

At the time of my divorce the judge ordered my ex wife and I to pay different credit cards. 
she used XXXX in my name and I had XXXX in her name that I used. she was responsible for paying the debt in my name but she did n't. I have sent my divorce decree and letters to the credit card company many times explaining the situation that she was responsible but they ignored me. Finally, since she refused to pay the bill it was turned over to collections. 
they would n't accept the divorce papers either. She finally settled for a lesser amount Now it is on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

hello I been dealing with Chase bank over two years now, never had an issue never missed a payment i have two credit cards with them one Chase freedome unlimted with XXXX limit which is 90 % used Chase sapphire reserve with XXXX limit which is 5 % used they reduced my Chase sapphire reserve from XXXX to XXXX without any notice which caused my score dipped XXXX points in one month and caused increase in my Credit card usage tried to call the bank and asked them to solve the issue and i was ignored thank you
Product: Credit reporting or other personal consumer reports

I am writing with grave concern over the continued presence of fraudulent, inaccurate, and misleading entries on my credit report despite my numerous attempts to have them corrected. The existence of these erroneous items has severely impacted my life, causing immense stress and XXXX  I must emphatically reiterate that I am a victim of identity theft and never authorized or consented to having this information wrongfully associated with my name and credit file.
Product: Debt collection

I recieved a notification in the via XXXX XXXX saying I have collection. 
I never any mail correspondence from the XXXX. 
They say they used a previous address, however, I had moved and have all mail forward to my XXXX XXXX XXXX I've had for 6 years as well as receiving many mail correspondence from other bills without incident. For some reason I never received any forwarded bills from XXXX. 

No contract was made to me to collect debt My address was forwarded I was never called about debt XXXX XX/XX/XXXX XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX ( hospital bill org )
Product: Debt collection

The debit HUNTER WARFIELD is holding for XXXX XXXX XXXX  in XXXX, TX. Is FRAUDULENT, first and foremost XXXX XXXX is being investigated by the FTC for fraud ( FTC report number XXXX ) and the debt is being increased by HUNTER WARFIELD monthly WHICH IS ILLEGAL! You can't have the amount keep going up on a broken lease for an apartment and I dont live there anymore!!! I havent lived in that apartment complex for 2 years and the debt collection company keeps raising the amount.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of unauthorized inquiries from my credit report, as permitted under Section 609 of the Fair Credit Reporting Act. I believe these inquiries are inaccurate and were not authorized by me.Please Block and remove all information resulting from Identity theft pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) which states that these accounts must be removed within 4 business days of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX violated my consumer reports on XX/XX/year> & XX/XX/year> & XX/XX/year> & XX/XX/year> & XX/XX/year> without a permissible purpose as per 15 U.S.C. 1681b ( 2 ) or knowingly without a legitimate business reason pursuant 15 U.S.C. 1681 b ( a ) 3 ( f )
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently disputed fraudulent items on my credit report that were reported to FTC. According to Equifax their 'investigation ' sustained that these tradelines were accurate. This is impossible, as they are fraudulent and should not be reporting on my credit report. 
Attached, is the filed FTC report.
Product: Debt collection

I have previously requested the credit bureaus to look into the accuracy of this account. They have not done so and they continue to report this account illegally. I asked for validation on this account for the bureaus to look into the reporting of the incorrect and questionable fields they are reporting about me. I have not received the responses in the allotted 30 days timeframe. I spoke to the bureaus inc on XX/XX/XXXX asking for specific information about this account. They have not provided me with what I requested. They give me what they want and not what's requested. There is an issue with this account and it is damaging to my credit. 
1. I dont understand the payment history of this account and how the charges went from XXXX to XXXX XXXX. I asked for the original contract bearing my signature.

3. I asked for the payment history and last payment date made on this account.

4. I received an email from the website and email address from XXXX on XX/XX/2020, regarding what they claimed to be my debt from XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The email says that it is a notice from professional debt collectors in an attempt to collect a debt that I am not even aware of. I check the website and it shows that it is a Real estate Internet Solution!! Why do they have my information? I am afraid that my information has been compromised. Please immediately remove this account from my credit report.!