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

On XX/XX/22, I received a credit alert by email from usa.Experian.com I attempted to login to my account to see what was going on but could not login. The login stated that my credentials were incorrect. This was the fourth time that I had reset my username and password. ( I have had this account for almost a year, as it was advertised on television as " Experian XXXX '' and have never had any problems and have been pleased with their help and support. However, in creating this account, it is named under usa.experian.com which then leads to the main Experian website. ) Login problems have just begun within the last few days. As this had been my 4th attempt at resetting my username and password, at XXXX p.m. on XX/XX/22, I decided to just call usa.experian.com at XXXX. When I called ( option " other membership '' ), I spoke with Experian representative, XXXX. XXXX helped me once more to change my username, password and create new security credentials for the 5th time. I even requested that XXXX remain on the phone while I logged in and out using my new credentials to ensure that my new credentials were working so that I would not have to go through this again. 
On XX/XX/22, XXXX p.m., I received another credit alert by email. When I attempted to login to my account to view my credit report, I could not login. I called usa.experian.com again and spoke with representative XXXX. While I was speaking with XXXX, the phone suddenly hung up. I called back and this time spoke with XXXX. I again explained what happened previously with XXXX, went on to further explain about my login problems and then requested technical help for my login. XXXX responded that there was no technical help available and that I would have to reset my credentials again as I only had the basic membership plan. She went on further to say that if I purchased another higher rated membership plan to freeze my account, that my account would be fully protected. So, I then told XXXX that it sounded as if my credit account was being tampered with to force me, as a consumer, to purchase another higher rated protection plan -- which I can not afford right now. I thought that this was a bad and unethical business practice by Experian and told her so. This did not seem to phase her at all. In the meanwhile, I have attempted to get into my account and it has been blocked from further attempts to login.
Product: Payday loan, title loan, personal loan, or advance loan

Post Lake Lending has not been giving me the accurate information that I need. Its really frustrating. Their agents are giving me misinformation and I want this to stop. Please help CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope this message finds you well. I am writing to address an ongoing issue that has persisted despite my repeated attempts to resolve it with your agency. Unfortunately, my previous filings of complaint have yielded no resolution, and the fraudulent items I reported remain unaddressed in my credit reports. I must emphasize that this is now the seventh time I am reaching out to you to request the removal of the disputed items, which were evidently the result of identity theft. As a victim of this unfortunate crime, I am determined to rectify my credit report and restore my financial integrity. I have taken all appropriate measures to address the identity theft situation, including filing an official report with the Federal Trade Commission as evidence of the unauthorized nature of these items. I firmly assert that I have not granted permission nor authorized any individual or entity to access my private and confidential records, especially the inaccurate information tarnishing my credit report. Accordingly, I demand the XXXX, Equifax and XXXX Credit Bureaus to take immediate action in accordance with the FCRA Section 605b and promptly remove the following fraudulent items : XXXX : XXXX XXXXXXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$72.00} XXXX XXXX XXXX Balance Owed : {$74.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX EQUIFAX : XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$43000.00} XXXX XXXX Balance Owed : {$2200.00} XXXX : XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXXXXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$20000.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/2017 Reference # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit report has been compromised. Again, I was going through my files & noticed these accounts that do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any information or accounts which were found to be opened due to identity theft. The disputed accounts do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$110.00} If you feel there is a possibility these accounts belong to me I will require all documentation which bear my signature ( another research item I found that requires you to verify with 100 % accuracy that these accounts are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the accounts are verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, my name is XXXX XXXX. For over 10 months, I have been going back and forth between XXXX, XXXX, and American Express regarding fraudulent hard inquiries on my credit report. In XX/XX/2021, someone attempted to open an account with my personal information at American Express. American Express informed me that the application was flagged as fraud, and they did not proceed to open that accounts. However, the inquiry appeared on my XXXX and XXXX accounts. On XX/XX/XXXX, XXXX removed the two fraudulent American Express hard inquiries from my credit report. However, XXXX didn't. I've reached out to XXXX to have them remove them ; however, they claim that they can until American Express reaches out to them. But when I reach out to AmexXXXX express, they claim that they can see hard inquiries reporting from them, therefor they can't create a dispute. Amex 's claims are entirely false ; you can confirm with XXXX that they pulled my report 3 times when it should have been once. I need two fraudulent hard inquiries from my XXXX to be removed. I can provide proof of my credit report clearly showing one hard inquiry from Amex on XXXX and 3 from XXXX. 



In the attached document, you will see clear proof that there is one hard inquiry from Amex, which is correct in my experience. Followed by three inquiries on my XXXX, which is incorrect, and two of them should be removed, the two being XX/XX/XXXX & XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX are reporting that I owe XXXX to XXXX. I disputed the debt. XXXX  XXXX could not verify the debt. XXXX  XXXX has stated to me that the accounts should be removed from my credit reports. The accounts have not been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX  has violated my rights 15 U.S.C. 1681 section 602 A. states I have a right to privacy.

15 U.S.C. 1681 Section 604 A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX. I have never done business with XXXX  XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX  XXXX XXXX. I have the right to demand and see the contract between XXXX  XXXX XXXX and myself! Please send the proper validation
Product: Credit reporting, credit repair services, or other personal consumer reports

the inquiries are unauthorized and that I want them removed from my credit report.I contacted XXXX  by phone several times and they didn't attempt or try to remove but told me to dispute them and that the results came back accurate And I Kno that wasn't true because I never authorized any of them.XXXX put a Identity Thief on report due to the unauthorized inquiries.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was never late in paying my SpringLeaf account. The account was autopay set up through Springleaf and that had been the mode of payment for years. I have paid it off in XXXX. Springleaf purchased my account off beneficial and continued to get payment through autopay. I do n't know how they can justify destroying my credit by stating that I was late on XXXX of XXXX for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus! When I called springleaf they refused to take this erroneous mark off my credit. That card has been dormant for several years. Their behavior is not in good faith and I dispute the late report to the credit bureau. Please investigate and remove the late payment from XXXX XXXX off my credit report.
Product: Checking or savings account

Im banking with chime. On XX/XX/22 I paid my rent {$800.00}. On XX/XX/22 XXXX ( Who I pay my rent to ) deposited {$800.00} In my account. I never received an email, phone call or text from anyone at XXXX  or the actual rent office, so I started spending the money. Around XXXX on XX/XX/22 XXXX charged my account for {$800.00}, twice. XXXX is saying they have no proof. So this is when I called Chime customer service and they let me know they did in fact charge my account. ( Conservice is also asking me for proof with my bank ) Ive talked to the people at chime over 5 times and each time they all tell me that they do see the charges and they they are escalating the issue to upper management they told me that I shouldnt have to wait on the ledgers Ive asked and emailed about. I started this process on XX/XX/22 and I still havent heard anything yet. Please help me. Were going to be homeless if I dont get that ledger.
Product: Mortgage

I closed on my home on XX/XX/XXXX with XXXX XXXX and I had a PMI payment of {$710.00} per month. The company, United Guaranty, was the company that the monthly PMI payment went to. I paid this exorbitant private mortgage insurance for over ten years. I have paid roughly {$90000.00} in private mortgage insurance fees ALONE. I think that I was given a subprime loan because of my race and gender. I feel that money should be awarded back to me. I am still in my home as of XX/XX/XXXX. After years of paying the ridiculous month of {$710.00}, the PMI on my loan was finally reduced to {$34.00}. I want my money back. I feel like I was scammed. United Guaranty should be ashamed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX {$6000.00} Open XX/XX/year>XXXX XXXX XXXXXXXX XXXX {$7800.00} Open XX/XX/year> XXXX Bank {$9400.00} XXXXXXXX XXXX {$9700.00} XXXXXXXX XXXX {$7100.00} XXXXXXXX XXXX  {$13000.00} XXXX XXXX XXXX {$1200.00} I was a victim of the Equifax data breach, I've reached out to Equifax credit report agency as well as XXXX and I've sent over police reports as well letting them know these account were open fraudulently, and that theses account should be removed from my credit report immediately but still it hasn't been removed at all
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute multiple fraudulent accounts and inquiries on my credit report resulting from identity theft. I am requesting that you block and delete these accounts and inquiries as permitted under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). Below is a list of the fraudulent accounts and inquiries that I am disputing : XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXXXXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX XXXXM XXXX - Account Number : XXXX XXXX Opened : XX/XX/XXXX - Balance : {$180.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$5700.00} XXXX. XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$2600.00} XXXX. XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$7000.00} XXXX XXXXXXXX XXXXXXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2300.00} XXXX. XXXXXXXX XXXX  - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$3700.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$2800.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1900.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Opened : XX/XX/XXXX - Balance : {$1400.00} XXXX. XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1500.00} XXXX. XXXXXXXX XXXX XXXX Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX. XXXX XXXX XXXX XXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1300.00} XXXX XXXX XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$1100.00} XXXX. XXXX XXXXXXXX - Account Number : XXXX - Opened : XX/XX/XXXX - Balance : {$0.00} Fraudulent Inquiry : XXXX XXXX - Date of Inquiry : XX/XX/XXXX
Product: Checking or savings account

I was advised by Bank of America Executive relations officer as well as multiple BOA claims department manager that my clam in the amount of {$190.00} was not processed correctly and the amount would fully be returned to me by check. These conversations were recorded and witnessed by Attorney. 
Bank of America was advised on XX/XX/XXXX that should my payment not be issued by XX/XX/XXXX I plan to sue Bank of America, its affiliates, Employees involved and contact the appropriate California State Offices. I will also seek punitive damages.

On several dates I requested the proper adjudication of multiple claims. -Several claims were mishandled and not completed as advised. XXXX XX/XX/XXXX BOA Claims Mgr advised I would receive my funds returned to me via check from 5 claim amounts : {$190.00} {$48.00} {$48.00} {$48.00} {$22.00} -BOA has not disbursed issued my deposit funds after account closure. -Claims were not processed or resolved in the proper time frame per California State guidelines. -BOA is in violation of the claims adjudication time frame. They keep reopening claims as stall tactics. -Claims were not filed correctly resulting in an erroneous denial. Even though proof was provided. -On XX/XX/XXXX and XX/XX/XXXX I provided multiple faxed documents requested by BOA to local Bank Center . Was advised claim would be resolved within week. It has been over a month in addition to the the original filing date. -Ive made several calls with an Attorney conferenced on the call when Ive spoken with ALL agents. Misinformation, false information, harassment, discrimination and retaliation was witnessed by Legal counsel and BOA employees who were also conferenced on the calls. -Unethical bank practices -Failure to properly authenticate account when conferenced with a 3rd party merchant. XX/XX/XXXX XXXX XXXX/XXXX/XXXX XXXXXXXX XXXX XXXX ( merchant ) was conferenced on call with myself and BOA Supervisor. Sup did not follow proper 3rd party call, she heard the merchant advise they could not honor purchased voucher and to get refund from XXXX XXXX XXXX had violated the agreement between those two. Sup did not document any information, she did not reopen claim as she advised she would and call was dropped and BOA Supervisor did not call back. -I specifically requested phone only contact due to my XXXX in presence of my legal counsel. BOA refused to honor that request. -BOA claimed they did have Mgt available - On XX/XX/XXXX -I contacted BOA 6 times, was passed around, refused service and was spoken to and treated horribly. In addition I had to file multiple formal complaints over multiple days : Complaint ID XXXX XXXX XXXX XXXX XXXX ID XXXX NO mail only cll bk ID disconnect complaint frm XX/XX/XXXX Req XXXX Belligerent employee ref esc XXXX Acct not authenticated XXXX BOA has violated my Consumer Rights as well as my Privacy Rights. They are in violation of the FOIA Freedom of Information Act. I am interested in pursuing legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Select Portfolio Servicing had check to pay off the whole mortgage since XXXX and owe me almost {$500000.00}. They assured me in their Ombudsman Department that this would not affect my credit adversely. 

Now on my credit for XX/XX/23 is a late payment. When I called to ask about this atrocity, the supervisor XXXX ext. XXXX told me that I indeed was late and that it was contractual that the payment was due. She even began to badger me about paying last months payment. I SCREAMED XXXXXXXX XXXX! Then hung up. 

I have called this company over XXXX times to try to XXXX the resolution on my refund after the company has already cashed the {$610000.00} check in XXXX. I have been told it can take up to 30 days, but every time that I request the process, there has been no response. 
XXXX items : How do I get MY MONEY HOW DO I HAVE THEM REMOVE THE LATE PAYMENT AFTER THEY ASSURED THAT THIS WOULD NOT HAPPEN
Product: Credit reporting or other personal consumer reports

FINAL NOTICE RE : DEMAND FOR DELETION OF LISTED ITEMS/Per 1974 Privacy Act Also see ; Gramm leach Bliley act 15 U.S. Code & 1681- Congressional findings ad statement of purpose ( 3 ) consumer reporting agencies have assumed a vital role WHERE DO YOU GET YOUR AUTHORITY Consumer Relations Dept : THIS SHALL PROVIDE YOU FORMAL WRITTEN NOTICE of numerous violations of FCRA consumer law statute, regarding said personal private credit file.

Per the FCRA, I am entitled to have a fair and accurate credit report.

1974 PRVACY ACT, you have the right to privacy., 15 US code 1681 602A the right to privacy,.

15 US code 1681 604 A cra can not furnish an account without my written permission., See non-public personal information., 15 US code 6802-obligations with respect to disclosures of personal information ( a ) Notice requirements ; ( b ) The term affiliate means any company that controls, is controlled by, or is under common control with another company. 
A person can only report to a affiliated corporation., A affiliated corporation is one in which the reporting person has a 51 % or greater controlling interest., 15 US code & 1681s-2 ( 7 ) Negative information ( A ) Notice to consumer is required ( I ) In General ; any financial institution that extends creditshall provide a notice of such furnishing of negative information, in writing, to the customer.

This shall be done 30 days before, or after furnishing of any such negative information.

Reporting of any alleged debt, as if it is a actual debt, ( never verified/validated or court order ), is ultra-vires action, HEARSAY.

Without a consumers written permission, reporting of any unauthorized information, for a commercial purpose, is a ultra-vires criminal XXXX, ( XXXX or more ), violation, resulting in, 18 US code 1028A- Aggravated Identity Theft, actions Designed to keep American consumers in illegal/unlawful financial slavery, see XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). 

The below listed items are incorrect and are causing irreparable harm and distress because of your predatory business practices. 

Any continued reporting would be another violation, 15 US code & 1681n, knowingly, violating consumer lawyer, and XXXX business professional code XXXX. These items are as follows
Product: Debt collection

The apartment complex I lived in required that you pay in full your final rent before you move out, which I did. After I moved out a received an outrageous bill for cleaning of the apartment. I went back to the office to dispute the bill, the manager said that a billing error was not taking into account the last payment I had already made. She also said that there were damages ( we didnt get any proof as there were no damages to the apartment. The only damage that they could possibly claim occurred due to a leak in the plumbing ). Regardless I we wrote them a check for {$1700.00} after they determined that {$1700.00} was the correct amount for cleaning and damages. The manager supposedly as supposed to get back to me with proof of the supposed damages but she never did. The complex held the check for several months and finally cashed it in XX/XX/2018. In XX/XX/2018 they turned the account over to collections for the {$1700.00} which they collected and cashed, despite not being able to show me what supposed damages I was paying for. 

When this turned up on my credit I contacted the apartment complex and never got a returned call.
Product: Credit reporting or other personal consumer reports

I have sent complaints to the company directly as well as to all XXXX credit reporting agencies. This false incorrect information continues to be reported on my credit reports XXXX, XXXX, and Transunion. 

These accounts do not belong to me but yet they continue to report these accounts XXXX account # XXXXXXXX XXXX  account # XXXX