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

I filed a dispute with Experian as to their investigation process for verifying and validating account ownership after I paid an account that I didn't own because Experian refused to remove the account from my credit report. Experian kept telling me that the account was verified as belonging to me while forgetting to tell me that Experian as a corporation receives monetary compensation for the information reporting to my report. After I paid the account, it reappeared on my credit report with a different company than before claiming ownership. I refused to be extorted again and I disputed this account with Experian, and they told me that the account was verified, which is impossible. On XX/XX/2023 I received an email from Experian saying my dispute results from a previous complaint i filed. 


I hit the link to go straight to Experian 's website and I was unable to see the dispute results as I was Instructed. I contacted Experian by phone, and they refused to give me a copy of the complaint report or give me access online to see the results. Instead, Experian told me they can only read me the results of the report and could not give me anything in writing. The report is evidence that Experian, never investigated the validity of the account, compromised my non personal information, profited off of the furnishing of accounts on my credit report and personal information that never belonged to me.
Product: Vehicle loan or lease

Dear XXXX, I am writing to file a formal complaint against XXXX XXXX XXXX XXXX, located at XXXX XXXX Way XXXX XXXX, WA XXXX XXXX regarding deceptive and unfair practices related to a car loan I obtained in XX/XX/XXXX. The loan was secured through Capital One, with my daughter acting as a co-signer, and it has resulted in significant financial hardship for both of us due to the dealership 's misleading practices. 

In XX/XX/XXXX, I applied for a loan to purchase a vehicle from XXXX XXXX XXXX XXXX The dealership pressured me into having my daughter co-sign the loan, despite my reservations. They misrepresented the condition of the vehicle, stating it had only " minimal damage, '' when in fact the car had been involved in a severe accident with substantial damage. This misinformation led me to purchase a vehicle that was not as represented. 

Moreover, the loan company charged me the full Manufacturers Suggested Retail Price ( XXXX ) for a XXXX vehicle, despite the fact that I was purchasing it in XXXX. The dealership refused to negotiate the price and insisted on charging me the full rate as if the vehicle were brand new. This resulted in monthly payments that were nearly {$1000.00}, most of which were applied to interest, putting me under significant financial strain. They knew my ex had left with my vehicle and I was in a desperate situation. 

Upon reviewing the final loan documents from Capital One, I discovered that my daughter had been listed as the primary borrower, contrary to the agreement we had signed. This error created legal and financial complications, as I was unable to file for bankruptcy to address the loan. Had I pursued bankruptcy, my daughter would still have been liable for the full balance, due to her being listed as the primary borrower. 

After more than XXXX years of struggling with the loan, I was able to negotiate a reduction in payments. However, despite making significant payments, I still owe {$47000.00}, even though I have already paid off more than {$17000.00}. The current value of the vehicle is less than {$10000.00}, and I am unable to refinance the loan. Additionally, if I return the vehicle voluntarily, the loan company will pursue my daughter for the remaining balance, which seems both unfair and unjust. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter, as the practices employed by XXXX XXXX XXXX XXXX  and Capital One have caused significant financial harm and appear to violate fair lending and consumer protection laws. I respectfully seek guidance on how to resolve this situation and address the undue financial burden placed on me and my daughter. 

Please let me know if you require any additional documentation or information. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your time and consideration.
Product: Credit card

Based on information, belief, and observance, my Discover Card account was opened using a line of credit from my corporate affiliation with my investment company. I open a Discover Card account on or about XXXX XXXX. I later added an authorized user to the account. Subsequently, extra cards began to be ordered under the authorized users name without my knowledge/permission or the authorized users knowledge/permission in about XXXX XXXX. Discover markets its cardholders are never liable for unauthorized charges on the card. However, Discover misled me about the status of the disputed charges I reported when I made Discover aware of the additional cards and charges on the account. Instead of closing the card under fraud, Discover left the card open until XXXX XXXX. During this 2 year time span, disputed charges reappeared on the account along with new charges while other accounts numbers were also open. I have determined the charges in dispute amount to {$810.00} which discover refuses to credit to my account as a result of the fraud. It appears a line of credit for my company was opened similar to my XXXX XXXX account which I learned had XXXX extra cards despite me being the only authorized user of the account. In the alternative, I believe Discover employees or third party contractors opened an account in the authorized users name when the user was added to the account and began making charges which posted to the account and charges which were not viewable online or on statements. I have had to make complaints of mail tampering as a result of Discover not maintaining my updated mailing address. Based on information, belief, and observance XXXX XXXX XXXX is an agent for XXXX XXXX XXXX who may be of some relation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Account : XXXX Account # : XXXX Account : XXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account # : XXXX Account : XXXXXXXX XXXX Account XXXX XXXX Account : XXXX XXXX Account # XXXX XXXX Account : XXXX Account XXXX XXXX XXXXXXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : Defamation of Character ( per se ) Negligent Enablement of Identity Fraud Fair Debt Collections Practices Act 15 USC 1692g violations.

Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to EQUIFAX today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent inquiries in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any inquiries listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I successfully registered on Gemini 's website as US customer, ( State of Nevada ) and verified both my e-mail address and my phone number. I provided my full legal name, complete address, SSN and successfully uploaded my Valid, ( unexpired ) and clearly visible State ( Federally Recognized ) REAL ID. My account has been approved and I ALSO already VERIFIED my domestic Bank Account via XXXX using my online banking credentials. 
According their own TOS the ONLY document required for U.S. Applicants as Proof of identity is a valid state-issued ID, BUT after a week my IDENTITY is instead WRONGFULLY stuck in " PENDING REVIEW STATUS ''. 
No Further Requirement is Stated in their own TOS & FAQ for identity verification. They have everything they need to complete the identity verification for my account, but nobody have cleared my ID Verification by simply looking at the photos of the ID I uploaded. 
I contacted them and they illegally require me to Wire money from my Bank Account to " complete my identity verification ''. This is a known error in their system, but they dont bother to fix it. 
PAY CAREFUL ATTENTION TO THE FACT THAT by their own RULES, THE WIRE DEPOSIT REQUIREMENT - to validate the bank account, NEVER for IDENTITY BTW- IS ONLY FOR THOSE who : " are unable to link your bank account via XXXX or prefer not using your online banking credentials to register your bank account, ''. I SUCCESSFULLY LINKED my bank account via Plaid using my online banking credentials to register and verify it - NO NEED FOR WIRE. As for their own website, I should be able to transfer funds into my Gemini account, since my bank account is fully linked and verified. 
However, in order to be able to do that, Gemini needs to look at my Id and complete the identity verification for my account. Asking for a mandatory Wire is DISCRIMINATION, since it's not a policy or a requirement they publish or they ask any customer. Therefore, Gemini can either : 1 ) Look at the documents ( ID ) I already have uploaded while onboarding and complete my verification manually ( XXXX their 3rd party provider for the verification assured me you have everything and can contact them for help if you have trouble with the process ) or if for any reason they need the upload of new pictures, 2 ) they can create and send me a secure link to upload the new photos as they are supposed to according their own TOS. 
This is a SHORT Summary of the claim. 
THE COMPLETE FULL CLAIM IS ATTACHED PLEASE READ THE ATTACHMENT
Product: Credit reporting or other personal consumer reports

In XXXX, I initially requested debt validation from XXXX XXXX as well as asking Experian, XXXX, and XXXX to investigate that the information being reported on my consumer report was accurate. XXXX at that time sent me a copy of a past due bill which is NOT the information that I requested to be able to validate the debt on my end. Experian, XXXX and XXXX responded stating the account was verified. I initiated this process again in XXXX and received the same information. Experian then asked if I wanted to mark the account as fraud to which I stated I don't know if it's a fraudulent account or not but I have no accounts with XXXX or XXXX so as I requested again the due diligence is on the Reporting Agency to report accurate information. If the account is fraudulent then they can mark it as such. I should not have this account reporting on my consumer report if it has not been validated as an account that I own and I have not been able to get any complete and valid information from either the reporting agencies nor XXXX. 

I have asked XXXX to provide detailed information for my records that would help validate this debt such as : 1. Verification of the Debt : Please provide detailed documentation that verifies the debt you claim I owe. This should include information about the original creditor, the amount owed, date that the original account was opened and the date the account became delinquent, and the terms of the debt agreement. It should also confirm whether or not the debt is within the statute of limitations for collection. Please note that supplying just a copy of a bill from the original creditor is NOT actual verification that the debt belongs to me. 

2. Itemization of the Debt : I would like an itemized breakdown of the total amount claimed, including any individual amounts and accumulation breakdowns, fees, interest, and/or additional charges that have been added to the original debt. This will help me better understand the total amount being sought.

3. Proof of Ownership : Please provide evidence that your agency has the legal authority to collect this debt. This should include documentation of the assignment or purchase of the debt from the original creditor along with the amount that you have purchased the debt for and the date of assignment. Please note that supplying just a copy of a bill from the original creditor is NOT actual proof that you have the right to collect.

4. Verification of Communication : If your agency has made any prior attempts to contact me regarding this debt, please provide proof of those communications, including ALL dates and methods of contact. 

I have provided more than 30 days to get this resolved and I am getting no further information from them other than just a bill.
Product: Credit card or prepaid card

Company : Fortiva Retail Credit -Reviewed acct on XX/XX/XXXX, noticed promo option called XXXX XXXX. 

-Had deadline according to website for XX/XX/XXXX, so for approx. {$750.00} debt would be paid. Couldn't make payment by deadline so thought promo was done/finished. 

- Read all information listed on website about XXXX XXXX to avoid any misinformation and also avoid missing steps yo complete process. It was clearly stated on the website/ XXXX XXXX XXXX XXXX XXXX  " learn more '' section that to complete the payment it should be done thru the button " Make a Payment '' I looked and looked thinking there would be a special XXXX XXXX button, but it only stated to click on the make a payment and that once processed it'd be applied as listed in the promo. 

-When ready to pay on XX/XX/XXXX, it was still displaying XXXX but now it said 100 % match and the XXXX XXXX XXXX XXXX, so I paid it. 

-On XX/XX/XXXX spoke with 2 Gen CSRs that had no idea about XXXX, requested to be trsnfrd to someone that would know, was placed on hold several times. I even hung up due to the long wait time and lack of info. 

-Finally spoke to some around the same day that stated I needed to allow 14 days for Pay to process and then it'd be completed, he even said the acct was already closed and just pending payment processing. 

-Waited til XX/XX/XXXX due to acct still reflecting pend bal, was told then to call Collections, something none of the others mentioned. 

-On XX/XX/XXXX called Fortiva 's Collection dept, and was told the same thing, there's nothing they can do, I made the payment online as a reg payment, throughout all the calls I explained what was listed on the website and how there was no information about 2 forms of payment ( one XXXX and the other regular ). The agent stated will submit a req, not high priority or anything and no eta was given. 

I followed the instructions listed on the website and now Fortiva is refusing to match the remaining balance in my account. 
They even referred to the email sent and that email doesn't state anything in regards to having 2 forms of pay XXXX  and reg. 

Please review, thanks.
Product: Credit reporting or other personal consumer reports

I had Mortgage with Chase beginning XXXX, XXXX. In XXXX and XXXX we were victims of Hurricanes XXXX and XXXX. 
XXXX sustained damage and were wee denied XXXX assistance due to XXXX credit. I requested mortgage assistance from Chase and was in constant communication with the Bank since XXXX  of XXXX. 
While Chase failed to help us I filed official complaint against Chase and right after filing said complaint my Mortgage was transferred from Chase to XXXX mortgage in XXXX of XXXX. 
Chase incorrectly reports late payments in XX/XX/XXXX, XX/XX/XXXX and XXXX of XXXX. 
I had submitted XXXX XXXX Bank XXXX reflecting records that payments were made on time, however, Chase still reports my payments as late. 
Not only that, but XXXX XXXX  company reports late payments in XXXX of XXXX. I simply couldn't have XXXX mortgage providers for same property at the same time, but Chase insisted on reporting late payments despite the fact that they were provided bank statements reflecting timely payments...
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this 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 XXXX XXXX over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. 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 us 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 n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Asked the 3 credit beaurows to validate my negative accounts and never received validation from them on any accounts
Product: Vehicle loan or lease

The fees of the company seem Highly inflated and every time i've called to get more details on the fees of my loan, the representatives can not fully explain the breakdown of the charges. The maturity date on my autoloan is XX/XX/2018. I have had 3 payment extensions during the 60 month term of the loan. My monthly payment is {$420.00} so therefore my loan balance should be around {$1200.00} but instead the balance is {$3200.00}. My auto loan was also transferred from XXXX to Westlake Financial about 30 months into my loan and without my consent. 

Furthermore, the original amount financed was {$13000.00} yet, as of today I have made {$21000.00} in payments and STILL have another {$3200.00} before the loan closes
Product: Credit reporting, credit repair services, or other personal consumer reports

There have been multiple problems associated with Experian investigation and reports that indicate that an investigation has been initiated and results are available for review. 

There automated system shows the report is ready for viewing and the complaint and results of the investigation is NOT readily available and a copy of the Full and Completed reports are not available and are NOT being provided as the online complaint system indicates. 

This is a continuing problem with complaint, investigation and report process. 

Thus far every complaint filed has been experiencing technical diffulties. 

The latest two were received on/about XX/XX/2020 2020
Product: Credit card or prepaid card

Today l checked my annual credit report. There is a credit card from XXXX XXXX XXXX XXXX XXXXTD bank  opened XX/XX/2019 on my report. I did not open this card. Luckily, nothing has been charged or paid on it. I want this account closed. I have been on phone ( s ) for hours, on hold with both XXXX XXXX TD bank. Because l only know about this card via my credit report, l don't have all 16 digits of the account number to close it online. Also, because l didn't open this account, my phone number doesn't match up with anything they have on file.
Product: Credit reporting or other personal consumer reports

I AM VICTIM OF AN IDENTITY THEFT, BACK IN XXXX  SOMEONE STOLE MY INFORMATION AND OPENED A CREDIT CARD WITH XXXX XXXX, THE CHARGES AND THE PAYMENTS MADE ON THIS CARD ARE NOT MINE. I UNDERSTAND THAT THIS IS A PAID IN FULL CLOSED ACCOUNT, BUT BECAUSE THIS IS A FRAUDULENT ACCOUNT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. LAST PERSON I SPOKE WITH WAS A REPRESENTATIVE AT XXXX XXXX  XXXX ( XXXX ) AND I EXPLAINED IN DETAIL HOW THIS CARD WAS OPEND FRAUDULENTLY, SHE WAS KIND TO PUT NOTES IN DETAIL AND STILL NO RESOLUTION, AGAIN I UNDERSTAND ITS A PAID IN FULL ACCOUNT AND ITS CLOSED BUT I JUST DONT WANT IT TO BE ON MY CREDIT REPORT. 3 TIMES I HAVE FAXED OVER MY IDENTITY THEFT REPORT TO THEM AS WELL AT THE NUMBER PROVIDED BY XXXX XXXX  ( XXXX ATTN : FRAUD DEPART.
Product: Credit reporting or other personal consumer reports

Barclay hard credit inquiry not authorized by my spouse or myself.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
INQUIRIES NOT RECOGNIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX Equifax, XXXX XXXX XXXX XXXX XXXX TransUnion