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

There is a collection debt on my Experian account in which I have been attempting to have removed for over a year and a half now. This collection is under XXXX XXXX XXXX XXXX XXXX. It was for a water cooler service that is a completely different state from which I reside. The debt is {$570.00}. 
I was told to file a police report, write a statement about what happed, and contact the company who is attempting to collect this said debt that is 100 % fraud. 
I did all of the above including filing a report with the Federal Trade Commission. I want to mention that I contacted the company, XXXX XXXX XXXX XXXX XXXX  several times, I was told by two different workers that I would be sent a fraud packet to fill out then mail back to them. I never received one. 
I was also asked by them if I still lived at a California residence they had on file along with some email address. 
I told them I have never lived at the address they asked about and also I mentioned that this is the exact address that is tied to at least 2 other fraudulent accounts opened in my name! 
I gave them my legitimate address so they could mail me this fraud packet ( which I never received ) So, when I spoke with Experian about all of this they said the Bureau had my correct address, which was after I gave the collections Bureau my correct address so they could mail me this fraud packet they never sent. 
Experian has been incredibly disappointing. Every time I call Im told my matter is a dispute and Im then transferred to that department, and when I state my case to them, Im then transferred to the fraud department.

Its insane and infuriating, they just literally transfer me back and forth. This is screwing up my credit score and I cant even seem to get help from a credit bureau. Ive done everything Experian asked like I said and for what? To get jerked around and waste my time.

I really need someones else to get this handled. Please.
Product: Money transfer, virtual currency, or money service

On XX/XX/22, my friend sent me repayment for a vacation we were taking together for {$290.00} on Venmo. That {$290.00} was deposited from Venmo to my bank account on XX/XX/22. On XX/XX/22, I received an email that the transaction between us had been marked as fraudulent, and as such, Venmo would hold the funds and withdraw them from my account while they investigate the dispute. My friend confirmed her bank account was hacked and this was marked as fraudulent, and she was dealing with Venmo and her bank. I emailed Venmo on XX/XX/22 with screenshots of the agreed upon amount between us and confirmation that the amount had already been deposited in my account. They responded to me that this process could take up to 75 days and I couldnt do anything. In the meantime, I received a payment from someone else for {$150.00} on Venmo for something completely unrelated and Venmo took that amount to help repay the {$290.00} they had over drafted my account. My account is frozen and the only way to unfreeze it is to pay {$140.00} that I do not owe anyone. 

The bank determined my friend was hacked, Venmo helped her re-open her account. I was not hacked and the payments between my friend and I have been solved. Theres no outstanding balance between my friend and I, however Venmo keeps telling me the only solution is to get repayment from my friend. They also have not sent her any money. If she sends me money, which she doesnt owe me, Venmo will take {$140.00} of it so Im still not receiving the full amount either way. Venmo will not respond to me and every response is to only do transactions with people I know and trust. I cant close my account because of the balance I owe. As of now, I want the {$150.00} Im owed returned back to me and to have my account closed. Im at a loss as to how to progress this.
Product: Credit reporting or other personal consumer reports

TRANSUNION I would like these illegal collections and inquiries removed from my credit report asap. I hired a credit specialist to review my report 2 months ago and all of these items are fraudulent. Please remove these items off my report as soon as possible 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Once again XXXX does not offer the capability of getting rid of wrong personal info. Error message comes up. They have screwed up my stellar credit rating royally. I can not get a positive answer for any credit card I never lived at an address listed. I have been divorced without the acknowledgment of this organization. How is this agency able to wield such authority without being overseen regularly. 
Just disgraceful.
Product: Credit reporting, credit repair services, or other personal consumer reports

Although I have never done business with XXXX XXXX XXXX XXXX. XXXX Credit Card and have opted out, Experian continues to allow XXXX XXXX XXXX to check my credit on XX/XX/2021 without a permissible purpose. Experian does not allow disputes on soft inquiries and upon calling, the automated call does not allow consumers to speak to a representative. I waited on hold last night for over 15 minutes and then hung up on.
Product: Debt collection

2022 I was summoned to small courts claim. I owed money and I knew I was in the wrong and I respected it and paid my dues. Papers were signed and debt was paid... I thought. I recently started receiving phone calls on my new number ( XXXX  ). I answered and they said " you owe {$1200.00} ''!!! How would I know I owe them something that was disputed in court?! It should have been a wrap since then. And also my account was not accessible since 2022!!! I was banned or something or blocked from accessing it. My credit score is completely destroyed because of synchrony bank. Basically my life is in shambles. I can't get a credit card. Can't get a car. Can't get anything that requires me to pay off because there little computer mistakes. Completely unprofessional and now I can't find a house to rent.
Product: Credit reporting

I have reported the issue of identity theft and fraud on my credit report since XX/XX/2012. I have sent multiple letters to Trans Union, including my latest one that is being attached. 
What I receive in reply is platitudes but no positive actions. I can only now appreciate the nightmare of ID theft. 
My latest from Trans Union was my credit report with a credit score that was substantially higher than when the ID theft occurred. To my surprise when my broker pulled my credit score from Trans Union XXXX Risk Score Classic, it turned out that TransUnion did NOT update the information or lied to me. In effect they told me one story and another to their reporting agency. That makes them party to a fraud. Since you are a federal agency, can you rectify what appears to be fraudulent reporting by TransUnion.
Product: Credit reporting

I have filed numerous disputes, information gets updated/corrected, then gets changed back to incorrect information. After numerous calls and discussions with several manager-level Equifax employees, nothing is resolved. For example, I have submitted documents that support my personal information. In this instance my 'name ' is XXXX XXXX XXXX , NO - suffix XXXX.. Equifax claims that a creditor is reporting the information but I have verified that none of my current creditors are reporting a suffix on my name. 

In addition, multiple credit accounts not being reported correctly such as status, balances, etc. I have called XXXX 's, XXXX, XXXX, XXXX XXXX and they all state that Equifax is a nightmare when it comes to reporting correct information. 

Also, all information is reporting correctly on XXXX, XXXX, and XXXX. This problem is only indigenous to Equifax. I have been checking my report on a daily basis, submitting new disputes, having creditors re-report the correct information. However, Equifax dispute system does not function properly. I am exhausted from this serious matter, please investigate this credit bureau.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XX/XX/year> SS XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I am not liable for this debt with XXXX, I do not have a contract with SECURITY CREDIT SERVICES, They did not provide me with the original contract as I requested. SECURITY CREDIT SERVICES called me and said I have to pay that debt i told them that I refuse to pay because I am not responsible for this debt, i also told them to send me the original contract with my signature on the original contract that I signed but until XXXX XXXX XXXX proved me with the original contract they have to remove asap from my credit reports. 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 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit card

My card was charged for a total of XXXX dollars which i did n't authorize. American express didnt srefund my money ...
Product: Checking or savings account

I placed an order with XXXX XXXX on XX/XX/year>. It was for {$2100.00} for numerous power tools to be delivered at my house. Two days later, five of the 12 packages arrived at my house. Of those five tools, one was damaged. After weeks and constant contact with XXXX XXXX, I was able to get no where as they just kept saying we are still investigating. I contacted Huntington fraud department as I used my debit card and filed the charge as fraudulent. I continued to work with XXXX XXXX and had to open a XXXX XXXX XXXX complaint to get someone from XXXX XXXX to call me that was able to do something. After working with them, they agreed that the packages were either lost or were not shipped and provided me with labels to return the five items i did have. I shipped those five items back and the paperwork send to Huntington shows that. When I filed the fraud charge, I was given a provisional credit. They denied my claim and so I filed an appeal and included all of my information. Two weeks later leads us up to today and they have since taken the provisional credit out of my account and nobody at Huntington can tell me why as they agree that it shouldnt be taken but can not do anything about it. Now they will charge me for being overdrafted and XXXX only knows what other fees because something went wrong in their system.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, TransUnion LLC received a letter from me via Certified Mail. I have added a screenshot of the United States Postal Service mailing information for said letter within this submission as proof. I have also included a copy of the original letter you received. My initial letter stated the following According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract, for any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I recently reviewed a copy of my credit report, and noticed there are credit inquiries that appear to be unauthorized. To my knowledge, I have not signed any documents authorizing the companies in question to view my credit report. Therefore, the listed inquiries below were without my authorization, and for no legitimate business purposes. These inquiries appear to be very serious errors in reporting. This constitutes a violation of my rights under the Fair Credit Reporting Act Sections 609 and 604, as well as violating my rights to privacy. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable signed proof, you must remove the inquiries listed below immediately. 

I am requesting your credit bureau initiate an investigation to determine responsible parties in these unauthorized credit inquiries. As a part of your investigation, please send the names, business addresses, and phone numbers of those who made the unauthorized credit inquiries. In addition, I respectfully request a copy of any documents authorizing credit inquiries, and signed on my behalf. 

If you are unable to find MY written authorization for these inquiries, I ask that they be removed immediately from my credit file. Please be so kind as to forward me documentation that you have had the unauthorized inquiries removed. If you find that I am in error, please send me the proof of this. 

At the time I am submitting this complaint, it is now XX/XX/year> ; 31 days after my initial letter was received by TransUnion LLC company. I have also enclosed a copy of my credit report dated XX/XX/year> which shows that the disputed inquiries have not been removed from my credit report. 

I am aware that The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to investigate disputes within 30 days of receiving them. At this time, I have not received any information from TransUnion LLC stating that an investigation has been started nor completed concerning this matter. I have also not received any requests for, nor have I submitted any additional information, which I am aware would extend the timeline to 45 days for verification.
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 investigation of disputed on my credit report, leaving an inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPD ) has recently filed a lawsuit against Experian, alleging systematic issues such as failing to forward consumer-provided evidence to furnishes, accepting 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 ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Mortgage

Please see Complaint # XXXX that was closed when Equity Prime Mortgage gave you a misleading and false response to my serious consumer complaint. 

Per the complaint response on XX/XX/XXXX, XXXX claimed " However, since the Customer expressed her desire to handle the lien cancellation on her own, XXXX sent the Customer an email on XX/XX/XXXX, inquiring about her specific cancellation preference. '' However, this was confirmed to be FALSE by XXXX customer service phone call today at XXXX, and the attached screenshots, as there is NO record of any email sent to me requesting a response. 

They also said in this response on XX/XX/XXXX that " If XXXX XXXX prefers to complete the cancellation process with her own attorney, and handle any fees he may charge directly, this can be done. As of the date of this letter, XXXX has not received a response to the email sent on XX/XX/XXXX. If the Customer will respond and confirm both her preferences regarding the lien release and that she will be directly responsible for the cancellation and any costs incurred in the process, XXXX can issue a refund of the fee collected as part of the loan payoff. '' They sent this message on XX/XX/XXXX to CFPB KNOWING that the payment had already been sent to their contact in XXXX XXXX a week prior! XXXX customer service confirmed that XXXX sent the {$8700.00} on XX/XX/XXXX to their firm in XXXX XXXX. 

I notified XXXX WEEKS before the closing of the property ( when I received the initial payoff letter and discovered the additional fee on there ), that I would be using my own attorney for the closing, as she was charging me .5 % as opposed to 1 % fee XXXX 's firm was charging. Having lived in XXXX XXXX for 4 years, I know and have seen under-the-table deals made all the time, and this is one of them. I sent them all the documents they requested through their online message system, of which they have records. 

I want this fraud complaint re-opened and re-addressed with Equity Prime Mortgage. They are EXTORTING THEIR CLIENTS, and making underhanded deals that the consumer is being forced to pay, or they will not release the deed.
Product: Mortgage

On the XXXX of XX/XX/XXXX I checked to see if my property taxes had been paid. They had not. Since I was about to receive a penalty for property taxes not being paid on time I paid these taxes ( {$2300.00} ) through my bank account. 

My mortgage is supposed to include the payment of my property taxes, which specialized loan services failed to ensure went through. They state that there payment was sent on XX/XX/XXXX. But this was not indicated when I first contacted them in XXXX of XXXX. 

After multiple months of being told the item was being looked into the company finally received the portion that was to be paid through my mortgage from the state of Oklahoma. 

I have made multiple calls to confirm that the reimbursed amount would be sent to me upon receipt. Now that the money has been received it was posted to my escrow account on ( XX/XX/XXXX ). 

This money should never have gone to SLS and should have been sent to me as I am currently out both the payments for taxes associated with my mortgage ( {$2300.00} ) and the same amount taken from my bank account, which never should have been necessary. 

I am now being told that an escrow analysis will be conducted and I'll be sent the current overage. This is not what was agreed upon over the phone during the first couple months of phone calls. 

All that I am requesting is that they return my double payment amount ( {$2300.00} ) to me. I have been out this money for approaching 7 months. They never should have had access to my portion of the taxes and have essentially pocketed my payment with the plan to pay me whatever portion remains after an escrow analysis. I am requesting the full payment ( {$2300.00} ) as the money I paid from my bank account never should have been needed or involved. 

The refund should have been sent directly to me and not to specialized loan services. My complaint stems from the amount of time it has taken to resolve the issue ( past 6 months into the year ) along with them only trying to return a small portion of the funds, which I have now paid twice to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX an account from XXXX XXXX XXXX appeared on my credit report. The account is reporting Im in debt in the amount of {$910.00} to them. I have never done business with this company nor signed any legal document or made any agreements that I will make this or any payment for services provided by their company and therefore considered fraud on their behalf. 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. I am a victim of identity theft!! Please delete this items IMMEDIATELY! This accounts should not be furnished on my consumer report as they are in VIOLATION Under, 15 U.S Code 1681b - Permissible purposes of consumzzer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed and any other account listed as a collection IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting this myself for you to take necessary action about the errors being reported on my Transunion Report. I am so baffled about this situation. I am not connected to any credit company or any of its kind. I have been reaching out to Transunion, asking them to provide me legal documents that certify that they have investigated my concerned items lawfully. Nevertheless, my request has been neglected. They have provided ZERO VERIFIABLE PROOF. You are XXXX, XXXX liars! You claimed that you verified these accounts but provided no documents. I haven't heard any response from Transunion and it made me lose my patience. They have violated Sections 605B and is also in breach of Sections 616 & 617 for willfully non complying and neglecting to adhere to the rules and laws of the FCRA. Moreover, failure to verify, comply, and respond should result in the removal of the items in question. Enclosed here are my FTC report and Police Report I filed on my local Police Department for your reference Below, are the items they should DELETE from my file. Again, this is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$9100.00}, XXXX XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : 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 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 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 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.