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

You broke the law To whom it may concern : I would like to state that XXXX is in violation of 15 USC ( 6816 ( a ) ( 2 ).

Which states that a consumer reporting agency may furnish a consumer report in accordance with written instructions of the consumer.I the consumer never gave XXXX any written consent to report anything on my consumer report. No Consent is identity theft. I have enclosed a identity theft report which states the accounts that are being illegally reported. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 USC 1681 ( a ) that the banking system is dependent upon fair and accordance consumer reports. By XXXX allowing these inaccuracies to be furnished on my consumer report it has caused me to loose faith in the banking system.If XXXX was to continue to do business with me. They should delete these inaccurate accounts off my consumer report. 

Accounts : XXXX XXXX XXXX - Late Payment - XX/XX/2021 XXXX XXXXXXXX late payment Inquiries XXXX XXXX, XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I OBTAINED AN AUTO LOAN ON XXXX XXXX, IT IS NOT REPORTING ON MY CREDIT REPORT, I NEED THE AUTO LOAN THAT I HAVE WITH XXXX XXXX XXXX TO BE REPORTING ON ALL THREE OF THE CREDIT BUREAUS,
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 inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, 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 the disputed accounts, as Experians inaction violates federal law and my rights as a consumer.
Product: Debt collection

I was charged by the advanced collection bureau for an apartment I never lived in or stay at as result of identity theft. I called the advanced collection bureau on XX/XX/23 and let them know this was identity theft and they let me know to send them over some information.
Product: Credit reporting, credit repair services, or other personal consumer reports

This alleged account with XXXXXXXX XXXX XXXX : XXXX was opened in my name under false pretense this is a demand and comply communication from the consumer and natural person XXXX XXXX, for the sole purpose pursuant to 15 U.S.C 1681c-2 block of information resulting from identity theft now under the FCRA your company TRANSUNION has 4 business days after the date of receipt to comply with this correspondence for this account reported as fraud I will be attaching a copy of my identity theft report, my drivers licenses, a bill in my name and a copy of my social for identification purposes.

This account being reported is a violation of the following codes pursuant to FAIR DEBT REPORTING ACT, FAIR CREDIT REPORTING ACT & the TRUTH IN LENDING ACT 15 U.S.C 1681d ( A ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) - 15 U.S.C 1681a ( d ) ( 1 ) Please also understand that these accounts being reported is a violation under 18 U.S.C 1028 FRAUD ANS RELATED ACTIVITY IN CONNECTION WITH IDENTIFICATION DOCUMENTS, AUTHENTICATION FEATURES, AND INFORMATION. 

Please note this is not a request for an investigation or verification this is a demand and comply request to block this fraudulent account from reporting. 

The matter pertaining this account Is subject to litigation and will be brought upon every party liable for violating my rights as a consumer for my lack of consent, authorization & knowledge of such fraudulent reporting activities A DEMAND AND COMPLY complaint/dispute was sent to transunion via certified mail on XX/XX/XXXX and delivered XX/XX/XXXX and it contained a copy of my identity theft report, ID and social security card.
Product: Credit card or prepaid card

XX/XX/2020 - {$200.00} - unauthorized amount was removed from card {$100.00} -Unauthorized amount was removed from card Between XX/XX/2020 to XX/XX/2020 - I contacted the company to resolve the issue of the unauthorized withdrawals and nothing was done. 

A claim was not completed by the company until XX/XX/2020 by that date a total of {$1300.00} in unauthorized payments were withdrawn from my account. 

I have not been refunded any of this money despite my consistent calls and efforts. 

The only thing that the company did was to issue me a new card. 

The Company name is Direct Express I am a senior living on a fixed income and this is money from my monthly social security. 

The only thing that Direct Express advised me to do was to start an investigation by completing paperwork that they mailed out which I did. I sat on the phone for hours 1 to 2 during each call which was over 3 calls. They mailed a letter stating that they could not determine fraud occurred even though the unauthorized purchased appeared for the same location and a location that I do not attend. 

I also have a police report for this matter that has been reported to my local police department dated XX/XX/2020.
Product: Checking or savings account

I have called serval times to request access to my old account so they could move my funds out of the old account into my new account and one of the last step I had to do was to create a secondly email account after doing so I called Cash App back to request once again to have my funds moved into my new account. However I called on XX/XX/year> at XXXX and after I answered all of the security questions correctly. I was told that for security reasons they could not give me access to my old account and that they could not provide me with any more information. I asked to then speak with his supervisor and he hung the phone up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand how my credit score can drop from XXXX to XXXX on XXXX and from XXXX to XXXX on XXXX and XXXX knows what on Equifax ( because I can't find a historical graph on their website ). I have less debt than now, only 2 active accounts and I continue to pay the total debt down each month. The debt was much higher and I had more accounts with my score was higher. This makes absolutely no sense. I believe their algorithms need to be reexamined or human intervention needs to be applied. 

We're at the mercy of these credit report companies when it comes to these scores- it can affect our lively hood because employers consider it and it can also affect the purchase of a home. We have to pay for these XXXX scores, yet their calculations make absolutely no sense. I am trying my damndest to get this debt paid off yet my scores give no reflection of this. 

I feel this is just another scam on the middle class consumer. We're the little man with no power.
Product: Debt collection

*Update* I disputed XX/XX/XXXX this with CFPB and the company responded that they would have it deleted from credit bureaus within 24-48 hours however, they only had it deleted from XXXX and XXXX. It is as of today ( over a week later ) STILL on XXXX. 

*Original dispute* In XXXX of XXXX I was approved for 100 % financial aid with XXXX XXXX XXXX. The dates of eligibility was effective from XXXX. I went to the hospital on XX/XX/XXXX within the eligibility dates. I received a discounted bill from XXXX but not for the full 100 % with the amount remaining of {$1900.00}. I called the hospital and they said someone would look into it. This went on in a back and forth manner until I received a collections bill from Medical Revenue Service on XX/XX/XXXX. I disputed this by sending them a dispute letter and a copy of our financial approval letter on XX/XX/XXXX via USPS mail. I did not hear back from them so I assumed that took care of it. Then in XX/XX/XXXX I found it had been added to my credit report. I contacted Medical Revenue Services to explain that it was not a valid debt but they insisted it was and did not seem at all interested in the letter of approval for financial aid. I disputed this debt twice with the credit bureaus with no success. Finally, I have cleared this up with the hospital directly and have a letter that the amount in question has been adjusted to XXXX. This is the the second time in XXXX that Medical Revenue Service has done this to me. And by " this '' I mean putting something on my credit report without prior contact and/or properly verifying the debt to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized use of my Credit Report. 

Im filling a complaint because Ive noticed XXXX XXXX, Equifax, and XXXX are reporting false and misleading information on my credit report. Ive sent in dispute letters which are attached below, they contain multiple violations and Im just wondering how equifax, XXXX, and XXXX are able to obtain, furnish, and report completely false and inaccurate information on consumers report. Especially without the consent of that consumer. This is completely against the law, their violating my rights as a consumer. No Im no attorney or anything but I know my rights. We the consumer must ensure the reporting agencies abide by the law, and hold them accountable of their responsibilities in maintaining 100 percent accurate information and fairness for the right to consumer privacy. the accounts listed in the letters below must be deleted promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Copy Email sent to Exeter Finance Good Morning Exeter Finance Customer Service, I am sending an email with the information that I received in regards to my credit. I would like to understand how I these three months ( Please See Attached Photos ) payments were reported as late. I received a deferred payment which is supposed to add the payments on the end of my loan and the late payments not be reported, yet they were reported any way. I called on XX/XX/XXXX to address the issue and I received an alert of a new report that another late payment was added to my report. I also placed a call back to customer service on XX/XX/XXXX inquiring about the issue and she stated to me that the information was sent to the Bureaus was corrected for the month of XXXX and the letter was also sent to me as well. I am not sure if she understood my concern. ( XXXX XXXX XXXX of XXXX ) this is what was reported and should not have been. Prior to this call I only had two late payments XXXX and XXXX of XXXX after the call XXXX of XXXX was added. This is very damaging to my credit and does not honor the deferred payment agreement. Please advise on what other actions I need to take in regards to this mistake on Exeters behalf. 

Please Review attachments of the Following : Payments made XXXX See Below ) Date Document sent back to Exeter ( See Below ) Credit Report of Information sent to Bureau ( See Attachments ) Email sent from Ops Support ( See Below ) XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$520.00} XX/XX/XXXX XX/XX/XXXX Fee Waived. ( {$12.00} ) XX/XX/XXXX XX/XX/XXXX Payment Received Agent Assisted - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$12.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$260.00} XX/XX/XXXX XX/XX/XXXX Fee Assessed. {$25.00} XX/XX/XXXX XX/XX/XXXX Payment Received MyAccount - Debit {$510.00} This is also the email sent from Ops Support From : Ops Support Subject : Document Date:XXXX XXXX XXXX  Reply : Thank you for contacting Exeter Finance XXXX . To verify if your account is eligible for an extension please contact a Customer Service Representative. If you need further assistance, please call ( XXXX ) XXXX. Customer Service Representatives are available Monday  Thursday from XXXX XXXX. to XXXX XXXX., Friday from XXXX XXXX. to XXXX XXXX. and Saturday from XXXX XXXX. to XXXX XXXX. ( Central Time ). Sincerely, Exeter Finance XXXX. Your Partner in Car Ownership Thank you for contacting Exeter Finance XXXX. 

From : XXXX Subject : Document DateXXXX XXXX XXXX Message : I am supposed to receive a document to add the payments on to the end of my loan. She said I would receive it within 24 hours to sign and send back and I have not received it Showing 1 to 1 of 1 entries
Product: Credit card or prepaid card

COMPLAINT : Unfair and Deceptive Business Practice - Citigroup Inc . 

COMPLAINT TYPE : Unauthorized Credit Card Charges to an Expired Credit Card COMPLAINT DETAILS : XXXX XXXX magazine is a publication of XXXX XXXX XXXX with the business address : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX,XX/XX/XXXX XXXX. XXXX XXXX XXXX provides XXXX XXXX magazines to third party Internet vendors like XXXX with the business address of : XXXX XXXX XXXX, XXXX XXXX XXXX, XX/XX/XXXX XXXX. 

XXXX has been providing regular copies of XXXX  XXXX magazine to me since XX/XX/XXXX and has been charging my expired XXXX XXXX XXXX XXXX XXXX XXXX Card number for the last three years without delivering NOTICE in invoice form to me or obtaining affirmative authorization to charge my credit card for each renewal period. The annual charges are about {$30.00} per year. Such can not be documented because XXXX provides no invoice, receipt or documetation regarding transaction amounts. 

These transactions were made possible by a surreptitious process within Citigroup Inc. [ Citi ] whereby credit card transactions, without the merchant providing a current credit card number, expiry date or CVV ( " Card Verification Value '' ) number, translates expired credit card numbers to the customer 's current account and credit card number, which constructively allows the merchant to perpetually charge the card holder. 

Citi customer service was contacted by telephone and it was verified that this translation process is an existing process within the Citi credit card processing centers and that customers may not opt-out of this automated translation process. 

The inclusion of expiration dates on credit cards is a well accepted fraud prevention measure designed to protect customers from charges processed without proper NOTICE or authorization. However, Citi has clearly abandoned this due diligence mandate to cross-check and verify transactions using credit card numbers, expiry dates and CVV numbers and instead has created a process to collude with merchants like XXXX who are making unauthorized transactions to the peril and financial harm to customers. 

Whereas, I have contacted, without relief, XXXX XXXX XXXX, XXXX and Citi today in good faith to resolve this systemic controversy, I am filing this complaint praying that this practice will be deemed an unfair and deceptive business practice that must cease and desist as soon as possible.
Product: Credit reporting or other personal consumer reports

The Loans For Affirm inc have been paid and I have contacted affirm they have provided me email and documentation for this pay off I request that this be updated on my XXXX XXXX XXXX to reflect the loan is fully paid off and should go into A positive Status
Product: Bank account or service

Bank of America has charged me numerous XXXX fees due to my account being overdrawn. I was never alerted about the overdraft even though I have signed up for text and email alerts concerning my account.
Product: Credit card or prepaid card

Subject : Response to Complaint Regarding Account Number XXXX Dear FNBO Thank you for reaching out to us regarding your account, with the last four digits [ XXXX ]. 

I acknowledge that I received our letter dated XX/XX/2023, in response to my complaint. Im dissatisfied with your decision to deny my claim based on the mentioned in the letter. 

I have requested signed agreements or signed sales drafts as evidence for the charges in question. I did not make said charges and will not pay for something I did not do. I will seek legal action if these charges are not revered and credited back to my account or all documentation to determine whether I made/benefited from them. 

If this is not updated and removed from my credit I will be forced to seek legal counsel as this is harming my credit. I look forward to either charges being reversed or copies of all sales drafts that arent credited back. 

Sincerely, XXXX XXXX
Product: Mortgage

Single Male lived in a home 30 years. Fully employed and got injured lost my job. Attempted to modify a mortgage. XXXX Wells Fargo they refused and tacked forclosure Memos on my front door. I fought for a long time. I am XXXX and my mind is not as sharp so forgive me.. The assessed value of the home was {$280000.00}. I was granted a 2 week extention from the XXXX sale, as I was out gunned and had to short sell. for {$130000.00}. 
I was homless for XXXX years and most of my records are gone. Have some like the notices they taped on my door and some old statements. My question is whom over sees ther XXXXXXXX XXXX court settlement?
Product: Credit reporting or other personal consumer reports

CoreLogic Consumer Relations XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX Request for File Disclosure, Immediate Opt-Out, and Data Collection Concerns Dear Sir/Madam, I am writing to request a complete disclosure of all information CoreLogic maintains about me in its databases and to demand an immediate opt-out from all permissible CoreLogic services and data collection practices. I have never entered into any direct contractual agreement with CoreLogic that would authorize the collection, storage, or dissemination of my personal information. 

I am also writing this later because I had a conversation with XXXX in XXXX and my insurance premium went up almost three times the amount I was first quoted because they saw XXXX accidents on my report but I was not at fault for those accidents at all figuratively and legally. So this is why I'm pursuing the evocation of my rights. Core logic in XXXX XXXX was named. 

As per my rights under various federal and state laws, including but not limited to : 1. Fair Credit Reporting Act ( FCRA ) - 15 U.S.C. 1681 et seq. 
2. Gramm-Leach-Bliley Act ( GLBA ) - 15 U.S.C. 6802 3. Texas Consumer Protection Act - Texas Business and Commerce Code 17.46 4. Texas Property Code - Property data collection and reporting regulations I hereby request that you provide me with : 1. A complete copy of my consumer file, including ALL information you have collected about me from any source 2. The specific sources of this information 3. A detailed list of any persons or entities to whom you have furnished my information in the past two years 4. The procedure for disputing any inaccurate information in my file 5. Specific details regarding any property, rental, or housing-related information you maintain about me I formally demand to opt out of : - ALL CoreLogic consumer reporting products- ALL marketing products or services- ALL property and housing-related data collection - ANY other products or services not explicitly required by law I am particularly concerned about : 1. The unauthorized collection and sharing of my personal and property information 2. The potential impact on my credit and housing opportunities 3. The accuracy and currency of any information you maintain 4. The lack of explicit consent for data collection and sharing Please process this request within the time frame specified by the FCRA ( 15 U.S.C. 1681j ( a ) ( 2 ) ). If you require additional information to verify my identity, please contact me. 

I reserve all my rights under federal and Texas state laws. Any failure to comply with this request may be considered a violation of these laws and could result in further legal action. 

Thank you for your immediate attention to this matter.
Product: Bank account or service

After several years of contracting state liability insurance from an independant agent for XXXX XXXX insurance I decided to change companies as the new one gave me a better rate. I notified the Agent `s office and told them I was cancelling and going with another company thus my prepaid amount they had just deducted from my bank account via debit card should be refunded. Once before I`d done this but saw they started taking money from my account without my authorization. When I tried contacting the agent his phone was unanswered. I contacted the XXXX number for XXXX XXXX to inquire as to how this could be happening. XXXX XXXX said they had no such agent listed .... so I changed my debit card again and wanted to know the name of my new agent. I was told they couldn`t tell me his name ... Why I ask ... well we don`t know who will be assigned yet ... If I have any claims I can call the XXXX number ... ok ... never heard of an Insurance company not knowing who the alternate agent would be before? XX/XX/2015 this started all over again ... I contacted my banks credit card division and explained this once again, credit was issued on trial basis to lend time to check it out. I recieved two subsequent letters. the first acknowledging my case and later a remittance only giving partial credit for some of the monies deducted? when I called again I was again recorded and gave a similar deposition but I wanted an explanation as to why only the " last 60 days of their fraud was being acknowledged? Once I used these terms .... fraud I immediately " threatened with - if I continue with this terminology the`ll turn this over to their legal dept! ... XXXX ... I THOUGHT THAT`S WHO I WAS TALKING TO! Next I was 20 questioned as to my past " Moral Turpitude " Where had I lived out of all these addresses for 30 years ... was I the same person as having this account ... so on and so forth .... Answering all their questions was demoralizing to say the least as now I was felling like I`d been the one getting something that did not belong to me. XXXX ... Is it just me or did i get scammed again including by the bank .... I think absolutely so.
Product: Credit reporting or other personal consumer reports

I have five unknown inquiries that I never applied for showing on my credit file. these following accounts are not mine please delete/remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I wanted to inform all parties that in the last thirty ( 30 ) days I have contacted these companies and tried to verify that I did NOT authorize access to my credit report. I explained in my letter that, you, as a Federal Reporting Agency, have not complied with any of the Laws under the FRCA Laws 605b Identity and 609A1 E2 Validation and Disclosure, 623 A1 Responsibilities of the furnisher of information. I am demanding that you remove all inaccurate inquiries from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate inquiry. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law. Please delete the following unverified fraudulent Inquiries.