23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

RE : DISPUTED INQUIRIESXXXX. 
ON XXXX XXXX, I RECEIVED MY CREDIT REPORT FROM EQUIFAX AND IT SHOWED INQUIRIES THAT I DID NOT AUTHORIZED. I UNDERSTAND FULLY THAT EQUIFAX SHOULDN'T BE ALLOWED TO PUT AN INQUIRY ON MY CREDIT REPORT WITHOUT MY WRITTEN CONSENT. I ASKED EQUIFAX CREDIT BUREAU TO REMOVE THE INQUIRIES FROM MY CREDIT REPORT WITHIN THE 15 DAYS OF THE LAST NOTICE OF THIS LETTER. THE FCRA LAW STATES THAT THE ONLY PERMISSIBLE PURPOSE FOR PULLING SOMEONE'S CREDIT IS FOR : A. A FIRM OFFER OF CREDIT B. INSURANCE C. EMPLOYMENT D. COURT THE FOLLOWING CREDIT INQUIRIES ARE RELATED TO NONE OF THE AFOREMENTIONED PERMISSIBLE XXXX XXXX XXXX : XXXX XXXX. 
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 AND AS A MATTER OF FACT UNAUTHORIZED INQUIRIES ROUTINELY ARE REMOVE FROM ALL CREDIT BUREAUS IF THE CONSUMER DID NOT GIVE THEIR WRITTEN CONSENT IN ACCORDANCE TO THE FAIR CREDIT REPORTING ACT LAW THAT THE CREDIT BUREAUS SHALL REMOVE DISPUTED INQUIRIES FROM A CONSUMER 'S CREDIT REPORT PROMPTLY. XXXX XXXX XXXX IS NOT AN INQUIRY, IT'S A DEBT COLLECTOR AND I NEVER SIGNED INTO AN AGREEMENT WITH THEM. MY LAST NAME IS NOT XXXX XXXX AND MY PHYSICAL ADDRESS IS STILL WRONG AFTER I SENT EQUIFAX THE PROPER IDENTIFICATION, WHICH IS A VIOLATION OF MY CONSUMER RIGHTS. SHOULD EQUIFAX FAIL TO RESPOND TO THIS LETTER WITHIN 15 DAYS, I WILL NOT HESITATE TO REPORT THESE VIOLATIONS TO MY STATES ATTORNEY GENERAL, THE FEDERAL BUREAUS AND THE FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXX
Product: Debt collection

I have no knowledge and I didn't consent to a XXXX  XXXX credit card. Portfolio recovery and XXXX  XXXX didn't not notify me of debt or debt being sold. Portfolio recovery has called and text after being told that all communications should be by mail only. I've not been notified by mail of this debt. I didn't know about the debt until contacted by portfolio recovery. Portfolio recovery doesn't hold the original contract. The transfer of the debt was done improperly.
Product: Debt collection

On XXXX XXXX2017 2 accounts placed on my credit report in the amount of {$120.00}. I am unaware of any outstanding medical bills that I owe.
Product: Debt collection

I have contacted the company multiple times as well as disputed the item on my credit report. I have NEVER been to a hospital in XXXX XXXX or XXXXXXXX XXXX. I HAVE provided a police report to them as well as XXXX to show identity theft. I have requested MULTIPLE TIMES for PROOF that this charge was made by ME. I have asked for signature pages and a copy of the id that was used. They refused to provide this. My next step is to involve law enforcement at a higher leve and prosecute the company for fraud.Please have this removed asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts have 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

In XX/XX/XXXX, I established a banking relationship with Wells Fargo ; my opening account balance was {$50000.00}. Upon visiting a local branch in XX/XX/XXXX, a customer service representative told me that they were having a special promotion on their XXXX credit card and invited me to apply. My account balance at that time was {$82000.00}. The customer service representative paraphrased the credit card agreement, told me that my credit score was just shy of XXXX and had me sign on the screen I never received a signed copy of the agreement. 

My first credit card statement indicates that the Cash Advance APR was 23.99 % and the APR for Purchases was 0 % ; my total credit limit was {$6000.00}. I used the credit card minimally for quite some time before I started carrying a Purchase balance. I ALWAYS paid on time. In XX/XX/XXXX, I received a letter from Wells Fargo stating that I may qualify for an increased credit limit of {$7500.00}. A similar letter was received in XX/XX/XXXX, stating that I may qualify for an increased credit limit of {$8000.00}. 

What is absolutely infuriating is that, despite my pristine payment history ( currently my credit score is approximately XXXX ), I am being charged a 25.24 % APR. I will mention, at this point, that I am XXXX XXXX. 

On XX/XX/XXXX, I called Wells Fargo and spoke with several Customer Care agents only to be told that there is nothing that they could do to lower my interest rate. Curiously, all of the agents that I spoke with offered me a special interest rate on new purchases I declined. Equally ridiculous is that the following day I received a call from a Customer Care agent located in XXXX XXXX executive office only to have them recite the exact same spiel and confirm that there is nothing that they can do to reduce my interest rate. I am raising this issue to determine whether this is a case of Wells Fargo steering certain demographic groups to higher interest rates.
Product: Debt collection

i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine
Product: Student loan

I live in Wisconsin and filed for Debt Amortization ( chapter 128 ) in XXXX and it was paid in full and Discharged in XX/XX/XXXX. Navient was included in this and they were sent money by the Trustee of my case every quarter. I am now told that they do not recognize the court order and are saying I still owe around {$1800.00}. I am wondering if this is the case that they do not have to recognize it. My attorney and the Trustee think it should be dismissed. Wondering if you can help me. Thank you very much.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill Its legal obligation under the fair credit Reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving in accurate or unverifiable accounts unresolved. That consumer, financial protection, Bureau ( CFPB ) Has recently filed a lawsuit against Experian, alleging, systematic issues, such as failing to XXXX consumer provided evidence to furnishers, excepting unreliable responses, and failing to adequately, notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed Disputed items, despite the evidence I provided, causing on, going home to my credit standing. I am requesting immediate corrective actions to remove or amend that disputed accounts, as experience in action, violates federal law, and my rights as a consumer.
Product: Mortgage

On XX/XX/XXXX I call XXXX mortgage XXXX discuss refinancing my loan while discussing the loan. I was informed that I have a balloon payment for {$49000.00} at the end of my loan that I was completely unaware of. I never discussed this agreement with anyone at the mortgage company. I did receive and reviewed the requested documents. They are completely falsified I never signed any kind of agreement for a balloon payment for {$49000.00}. The agreement pages starts from pages XXXX then end. The page after page XXXX doesn't say page XXXX as it should if it is part of the agreement. The page with my signature is dissonant and also a page was added that was never signed or notarized. This XXXX modification agreement is falsified and forged. I would like for the balloon payment to be removed from my account. Speaking with a representative from the company on XX/XX/XXXX she stated the {$49000.00} was automatically added to my account. I then asked if the line was being recorded and she stated yes. I asked her that because if I need to take legal action I want to retrieve this conversation. She also stated that I didn't sign the final agreement for the modification and she could mail it to me so I could sign it. I asked her once again is this conversation being recorded she stated yes again. I then told her I will not be signing anything because I never signed or agreed to the loan modification that I had recently became aware of. I did asked for the second set of documents to be mailed out before the conversation ended.
Product: Debt collection

I received a collection letter from Online Information Services about a utility company, XXXX XXXX XXXX, in XXXX, Arkansas. I contacted the utility and was assured by the person I spoke to that the debt was for an address in XXXX and the individual was from XXXX. She verified that the last four digits of my Social Security number was not the one associated with the account in question and that the address of the individual was not at all similar to my address. The name on the account is not my name and my address is in the Eastern half of Arkansas and not even close to XXXX, Arkansas. She also did not recognize the name of the collection agency. I believe this company is gathering debt information and associating good addresses with bogus names in an effort to extort money from unsuspecting individuals. I have reported this company to the Arkansas Attorney General 's Office, as well as the XXXX County Sherriff 's Office in an effort to alert others to this scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mailed Experian dispute 2 times to remove all obsolete out dated personal information on XX/XX/XXXX was the last time I mail it again it is still on my report and they have updated after i requested this. there are 11 old addresss to be removed6 names to be removed,2 phone numbers, spouse remove.empolyers 2 remove. please remove this items on the list I sent you twice it is inaccurate reporting on my credit report XXXX XXXX XXXX remove it its not my account letter enclosed stating this. you Experian I tried calling put you do not take calls so this is my only course of action letters don't seem to work
Product: Debt collection

Exeter finance is not registered to do buisness in Florida. They are based out of Texas and also they are a third party company that did not get my consent to assign my debt over. Also the contract is void because I shouldnt even be in buisness with a company that is not registered to do buisness in Florida in which Florida is were I purchased the car at XXXX XXXX XXXX XXXX XXXX. They also refused to send me the original copy which we know is signed in ink not electronically. This contract that I supposedly am in with these two companies was very deceptive as well as fraud and I have all violation marked and invoiced ready to serve. 
Also the credit bureaus are inaccurate as well with the info they have up. Which I know is XXXX $ a violation
Product: Debt collection

on XX/XX/19 i paid a settlement to Navy Federal Credit Union and i was informed that it would be updated and the negative information about it would be removed. Since then the company has updated the information for the balance owed but instead of changing the status to closed it was changed to charge off which is incorrect since i paid them to settle the account and close it. This has dropped my score 70 points and has severely hurt me as i am trying to purchase my first home and this has made me ineligible due to the credit score decreasing significantly.
Product: Student loan

I have struggled to make my student loan payments at several times over the life of the loans. When contacting Navient, I have not been given adequate help, but have been met with attitude and incompetence. I have never had a representative go over all the options available to me. Because of this, I have had many years where I was paying money when other options were available. Navient has taken thousands of dollars from me over and above the cost of my original loans, and after all those payments, I still owe {$9000.00} more than the original loan amounts. I paid off a loan yesterday, and my rate increased overnight almost a whole percentage point. However, when I called to speak with a representative, I was told the interest rate was based on the market value, but she could not tell me what the market value was or whether it had increased. However, when the markets tanked several years back, my interest rate was never reduced. I have never received a market reduction, only increases. This seems predatory. Im trying my best, and Navient is also trying their best to make it hard to get out of this debt. Sallie Mae knew what they were doing offering loans to kids who didnt understand what they were signing. They took advantage of kids who wanted to get a degree. Please help me.
Product: Credit reporting or other personal consumer reports

I expect your immediate assistance in removing the fraudulent information from my credit file. This data should have already been removed as it resulted from fraud, yet it remains. Under FCRA Section 605, you are required to eliminate any inaccurate records, and Ive already provided supporting documentation in a previous letter, which I am including again. Ive informed my attorney, who is prepared to hold you accountable for your ongoing failure to comply with this obligation. 
XXXX XXXX XXXX XXXX XXXX, AZ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX Balance : {$5000.00} XXXX XXXX XXXX Balance : {$6900.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$4400.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXXXXXX XXXX XXXX Balance : {$7300.00} XXXX XXXX XXXX Balance : {$5500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act US DEPT OF EXXXX Account # XXXX, US DEPT OF EXXXX Account # XXXX, XXXXXXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION/XXXX  Account # XXXX, US DEPT OF EDUCATIONXXXX Account # XXXX, US DEPT OF EDUCATION/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, 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: Credit reporting or other personal consumer reports

I am in disagreement with the accounts listed below which still appears on my credit report even after your investigation. 
I would like those items immediately re-investigated. The inaccuracies are highly injurious to my credit score. 
The accounts are : XXXX XXXX  XXXX - XXXX  XXXX XXXX  XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX. 
In accordance with the fair credit reporting act public law 91-506, Title VI. Section 611, please provide the name and business addresses of each individual with whom you verified the account, so that i may follow up. Please send me an updated copy of my report after your investigation
Product: Debt collection

On several dates including today XX/XX/2018 unauthorized call phone calls with falsely indicated caller IDs ( XXXX County Court House and previously XXXX County Court House ) were placed to me, both my elderly parents, 3 brothers, and a sister-in-law. Recorded voicemail messages were left on several of these unauthorized cell phone numbers by a caller 'XXXX XXXX indicating my full name, pending case 'against ' me, 'case numbers ', and wishing me 'luck '. All of these recordings have been saved. My employer was also contacted and several co-workers were given the same information trying to track me down. I have been out of work on a medical leave for a XXXX XXXX for a month. Several months ago when she did the same thing I advised her to cease and desist contact to all numbers including mine, family, employer, and any found through skip trace. I also asked who she was collecting a debt for and she answered. I then advised that a company who misleads or falsely ID 's themselves, contacts third party releasing any information true or false to them, is in violation of Federal law. She hung up on me. My elderly parents were scared for me. The other contactees understand this kind of act but it makes the illegal means no less embarrassing, humiliating, or intimidating. These calls put my employment at risk.
Product: Student loan

Hello, I obtained a loan over 7 years ago from XXXX who sold the loan. Eventually it went to XXXX who have hired MRS Associates to collect on the debt. The balance has went from XXXX when the note was originally signed to XXXX. I am a mother of XXXX I work part time as XXXX working XXXX hours a week. They refuse to make a payment arrangement base on my income to assist with paying off the debt. Since the interest is so astronomical it will never be paid off.
Product: Credit card

I closed yesterday a 3 month old credit card, and the card had a {$99.00} annual fee with it which was paid. I was told by phone yesterday that I would not receive a full refund nor a prorata refund of the credit card fee despite having about 9 months left on it. The nonrefundability of the fee the company admits is neither in the terms and conditions, or the online application, nor told to anyone applying by phone. I would like at the very least a prorata refund.
Product: Student loan

On XXXX/XXXX/2006, I took out a {$13000.00} private student loan with XXXX XXXX at a 3 % interest rate. To date, I have made payments totaling {$14000.00}. The interest rate is now 10.25 %, and the balance is now {$24000.00}, with a required $ XXXX/month payment, that increases each month. I am paying {$6.00} per day in interest. If I continue on the current course, I will have payed Navient over {$62000.00} for a {$13000.00} student loan. I have contacted Navient on multiple occasions to try to refinance my loan and/or remove my cosigner, but have only gotten the run around. I understand that I took out a loan, and I believe that I should repay that loan with interest, but I do n't think that I should have to repay it 5 times over. ( I pay this loan on time every month, and have not been late on a payment in 5 years. )
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN AND XXXX, KEEP VALIDATING A BANKRUPTCY ON MY CONSUMER REPORT. 

THEY SAY THE COMPANY REPORTING HAS VERIFIED THE BANKRUPTCY. 

I HAVE MY CONSUMER FILE FROM ( XXXX XXXX ) THE COMPANY VERIFYING AND THEY DO NOT HAVE A BANKRUPTCY ON MY CONSUMER FILE. 

HOW IS EXPERIAN AND XXXX VERIFYING THIS INFORMATION IF THE COMPANY THEY STATE VERIFIED SAYS IT DOES NOT EXIST. 

PLEASE HAVE EXPERIAN AND XXXX DELETE FROM MY CONSUMER FILE. 

PLEASE FINE EXPERIAN AND XXXX FOR FAILING TO RE-INVESTIGATE, THEY ARE VIOLATING MY CONSUMER RIGHTS AND NEED TO BE FINED.
Product: Credit reporting or other personal consumer reports

First I need to state my right to privacy is paramount. Im enforcing this right with this dispute letter. Per 15 U.S. Code 1681 ( a ) ( 4 ) you have full responsibility to exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Im exercising this right under the code. Please see the following information is handled with the utmost fairness, impartiality and respect for my right to privacy. 

Under 15 U.S. Code 1681b ( permissible purpose ) I have never granted this company any permissible purpose. They are in strict violation of this code. I need this account ( s ) remove from my report as they are damaging my reputation, character, credit worthiness, credit standing, credit capacity, etc. Since you are required to protect my privacy I need this matter handled with the utmost urgency. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA. 

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX