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

i recently received a copy of my Experian consumer report and noticed my FCRA rights were violated, there were over a dozen inquires in my credit file made by XXXX XXXX, i called Experian and was told they don't need to follow FCRA laws and hung up on me, the supervisor was very rude and nasty. XXXX XXXX gained access and did a credit pull of my consumer report several times without my written and verbal permission or consent. I did not give written permission or authorize for XXXX XXXX to gain access to my consumer FICO credit file to get my non public information. I demand that XXXX XXXX and Experian produce a legal binding Contract with the wet ink signature that gave them authorization to pull my consumer FICO credit report. I demand XXXX XXXX stop accessing my reports and Experian delete any inquires made by them. Delete inquires due to identity theft XXXX XXXX XXXX Inquired on XX/XX/year>, XXXX Inquired on XX/XX/year>, XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a call this morning from XXXX ext XXXX. Caller did not state her name clearly. Claims " the attorney '' is going to file a wage garnishment against me today in my county for a debt of {$1500.00} Refused to provide information about supposed debt other than to tell me the company is " XXXX '' through XXXX and that the last payment I made was for {$30.00} on XX/XX/XXXX and the account was closed in XX/XX/XXXX.  Claimed that many letters, emails and phone calls have been sent to me by 5 different collection agencies. Would not tell me the name of the collection agencies. Kept informing me that " the attorney '' allows 1 courtesy call before filing a wage garnishment. I asked for clarification on if I was being sued for debt collection. She stated they are not a debt collector and I was not being sued - that a court order for wage garnishment will be filed today. Still would not give me any information. I told her I would do some research and call her back today. Then I checked my credit reports and found no record of this debt. I then called XXXX directly and was told there was an old debt, then I was provided with an address with XXXX to request the documentation in writing. The XXXX representative was very nice and told me to contact the supposed law firm and " request validation of the debt ''. I called the " law firm '' back and, requested a validation of the debt but was told " we can validate the date but we have to go ahead and file for wage garnishment today, you'll get served papers and you can review the documents at that time. '' I asked for the company name and address so I could make my request for debt validation in writing. Instead I was given directions on how to look up their corporation address through SIS.GA.GOV, corporations business search. I now have to A ) write a letter to XXXX for information and B ) go through several online steps to simply obtain an address for this supposed law firm so that I can make a written request for validation of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed XXXX disputes each for XXXX different XXXX XXXX accounts. The first account ends in XXXX and the second account number ends in XXXX. Attached you will find the results of those disputes from XXXX. XXXX XXXX states on ( IMPORTANT INFORMATION ) on XX/XX/XXXX that the last payment they received from me was XX/XX/XXXX. This was not the original date showing up on the first dispute but was changed by the company on subsequent disputes. On the first account ending in XXXX, I did not make any payments on XX/XX/XXXX whatsoever. I did however make the following payments amounts and on the following dates. Payment XXXX  after their XX/XX/XXXX date was on XX/XX/XXXX in the amount of {$150.00}. Payment XXXX  was made on XX/XX/XXXX in the amount of {$130.00}. Payment XXXX  was made on XX/XX/XXXX in the amount of {$1200.00}. Payment XXXX was made on XX/XX/XXXX in the amount of {$9.00}. And lastly, for this account payment, XXXX was made on XX/XX/XXXX in the amount of {$11.00} resulting in a zero balance ( please see attached payment history from XXXX XXXX 's website ). Now, if they reported on XX/XX/XXXX that my last payment was on XX/XX/XXXX, where did they get this information since it is completely inaccurate? If the balance was updated on XX/XX/XXXX it would show a zero balance instead of owing 98 % of my available credit. This misuse of information is damaging to my credit report and I have tried XXXX times to no avail to get the issue rectified. On the second account ending in XXXX, the following payments were made on the following dates. Payment XXXX was made on XX/XX/XXXX in the amount of {$250.00}. The second payment was made on XX/XX/XXXX in the amount of {$98.00}. The third payment was made on XX/XX/XXXX in the amount of {$410.00}. And lastly, the XXXX payment made on this account was made on XX/XX/XXXX in the amount of {$50.00}. No payments were made on either account on XX/XX/XXXX as stated by XXXX  XXXX. The correct balance for this account is {$490.00}, not {$940.00}. For reasons I will not speculate, XXXX XXXX and XXXX have failed to fix the reporting of this false information despite me sending them proof and being persistent in my findings. In lieu of the information being corrected, account remarks have been changed and the date from the first dispute versus the next, and so on. I am trying to get this issue resolved as quickly as possible. This information is being reported to you because my formal disputes are going uncorrected and my phone calls are being abruptly ended despite no vulgar language or yelling on my part. I have been nothing but professional in this matter but ; I have been persistent. Please see the XXXX attachments below. Thank you for your time in this matter.
Product: Debt or credit management

Airbnb and airline tickets were booked unauthorized and they were reversed when claim was given back.
Product: Checking or savings account

HSBC Bank failed to properly document this Fraud Claim on XX/XX/22 as indicated by their Call Center Supervisor, in which I am already encountering financial hardships getting to work, eating, and purchasing medication ( in which I need to survive ) saying that it could take up to 10 Business Days. This is extremely unethical and I never received any communication regarding their financial practices, nor to date was I provided a Transaction ID, for my personal records because I do not trust this bank. The call center representatives and supervisors are incompetent. I need my credit expedited expeditiously. To add insult to injury HSBC could not expedite my card, nor have they considered the hardships imposed on my life through no fault of my own. This bank has violated several laws according to the FDIC, by not providing written communication regarding their policies, and will not take the due diligence by issuing the provisional credit, at once, considering the hardships and liability imposed by NOT properly filing this fraud in a timely manner. HSBC Bank was contacted on XX/XX/22 in which the Fraud claim was not submitted, nor did the representatives or supervisor callback ( even though there is a verifiable and updated contact number ). To date I never was issued a confirmation email or any Transaction ID # for my records to follow the status of this claim. This bank is absolutely the worst encounter, and I am calling the local News Media as well as seek my legal options.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX after several failed attempts as they are a very hard company to get ahold of to set up an online account then contacted them trying to make payments over the phone which they refused to take at the time. It was the most painful process I have ever been through until they finally tweaked their system. While all that was going on it was hard to get the payment to them. Then the XXXX strike hit, as where i am a XXXX XXXX XXXX who is is mostly paid by commission on our shops month end. Well with XXXX on strike we could not get parts in to fix cars which reduced my pay tremendously. Then COVID hit shutting the world down. I had called and spoke to XXXX XXXX  where they told me there would be zero late marks added to the credit report and were supposed to push my payments out so they would not be past due and were not going to hold me responsible for prior late payments due to strike. I have disputed several times and everytime they refuse to remove the late payments although there were supposed to be ZERO due to COVID. As I am finally pulling myself up out of the hole these negative remarks are really wreaking HAVOC on anything i am trying to do. I request that these past due payments get deleted from all XXXX credit bureaus.
Product: Checking or savings account

Tried to cancel membership due to the fact that I have no products with the company. All I wanted was a quote and they are saying I have a " lifetime '' membership! Can't cancel my information from their system. Tried multiple times and get put on hold for hours.
Product: Mortgage

During Covid I experienced financial troubles, due to loss of income. In XX/XX/XXXX, I reached out to my mortgage lender PHH Mortgage for help but, was unsuccessful. During that time a representative from XXXX XXXX XXXX XXXX in XXXX XXXX, contacted me claiming they could help me with a Flex Hardship Loan Modification Plan that would get me a reduced 2 % rate and lower monthly payments on my home that I live in and on a rental that had been empty for 12 months, due to the pandemic! They asked me to sign a contract for the agreed five month trial payments beginning XXXX XXXX made the agreed 5 months payments totaling XXXX and they told me that at the end of the payment agreement, my loan modification would be approved by then! instead I am now in a foreclosure status! Im a XXXX XXXX XXXX XXXX  lady with an XXXX XXXX XXXX  son, who I care for and so now this company, XXXX XXXX XXXX XXXX, who claimed to help get me into a more affordable loan modification plan, have gotten me in a much worst situation! At the time that I began with this company, XXXX XXXX XXXX XXXX, I didnt see any scam alerts on XXXX XXXX it wasnt until after I made my last payment in XXXX, XXXX that I began to suspect something wasnt right! so I called my bank and they told me they had not received any documents! I called XXXX XXXX XXXX XXXX and spoke to a XXXX, who said she was handling my file, at which time I asked her where my money of XXXX had gone to? She said part of the money was for them and rest went to the investors that owned my loan, to process the loan modification for approval! All throughout the process there were different girls calling me, I kept asking her who was the main person in charge? I could never get a straight answer? Just to name a few of the names associated with this scam was XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX, XXXX & a few others! I soon realized that I had been scammed! I asked for my money back! But instead they continued to call me to ask for more money! And claim to be working on my file! These people are so dishonest! I cant believe that they are out there hurting people and scamming people for money and all during a Covid-19 Pandemic, when people are desperate to survive and trying to recover from all of the losses! And on top of all this Im also dealing with Identity Theft!!
Product: Credit reporting or other personal consumer reports

I AM A NATURAL PERSON. I AM A LIVING HUMAN BEING ; I HAVE THE RIGHTS UNDER 15 USC 1681. XXXX IS GOVERN BY 15 USC 1681. AND THEY VIOLATED MY RIGHTS NUMEROUS OF TIMES. I DEMAND THE ACCOUNTS LISTED BELOW BE REMOVE BECAUSE ACOURDING TO 15 USC 1681 : I HAVE THE RIGHT TO PRIVACY AND I DID NOT GIVE XXXX, XXXX AND THOSE OTHER COMPANYS WRITTEN PERMISSION TO FURNISH THESE ACCOUNTS XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A COLLECTION XXXX XXXX XXXX APPEARED ON MY TRANSUNION, XXXX AND XXXX. THIS ACCOUNT DOESNT BELONG TO ME. PLEASE REMOVE FROM CREDIT BURUEAS
Product: Credit card

I booked a XXXX to stay XXXX night in the hotel XXXX XXXX XXXX between XXXX to XXXX. 
I did my checking with my friend XXXX XXXX that booked XXXX nights XXXX. 
The hotel attendant mixed or room and I stayed in her room so on XXXX I called the receptionist and I asked to do my check out, I was told that I just need to leave the key inside the room and was all set. Thats what I did. 
After couple days I saw XXXX $ extra charge in my account. When I contacted the hotel they told me that I stayed XXXX more night but I did not. 
Later I understood that they charged XXXX more night because my friend was i my room and I was in her room
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the credit reporting agencies and informed them of the attached document and list of inquiries ( reporting as aggrevated identity theft ) that are not authorized or should be visible on my consumer report.
Product: Credit reporting or other personal consumer reports

EXPERIAN continues to knowingly and falsely update and report information it knows to be unverifiable at worst and obsolete at best. Experian stated the account from XXXX XXXX would be removed from my report XX/XX/2024. Proof from Experian 's own record is attached, There is no way this creditor is verifying anything with Experian because it can not verify me when I call them. This account is also NOT reporting to XXXX XXXX XXXX XXXX XXXX XXXX or XXXX. 

Experian is blatantly violating the FCRA at this point and the regulatory agencies including CFPB should be made aware of Experian 's brazen and deliberate disregard for the integrity of its reporting.
Product: Credit reporting or other personal consumer reports

Hey, I am writing this complaint again for the second time. I have sent your company a dispute last month XXXX XXXX 2023 which I clearly stated the accounts that were fraudulent and in question, there are still accounts on my credit report that should not be there. The negligence of your company is causing me stress and affecting my mental health, not only have I stated the fraudulent accounts, I have also attached an FTC report with FTC number XXXX alongside my ID and social which I will be attaching again. I should not continue to be punished for being a victim, and all I can do is reach out to your company to correct it.
Product: Credit reporting or other personal consumer reports

I have an account with XXXX to track my credit score and report. Yesterday I received multiple emails from them stating that my 'credit file had been updated '. Upon looking into my account, I saw seven separate credit inquiries I did not authorize. All of them were dated XX/XX/2024. I filed a report with XXXX to dispute the inquiries. Coincidentally, I received a call and text from a local car dealership in my area regarding a supposed inquiry that was made online about purchasing a new vehicle. I informed them I was uninterested and had not made any online inquiries. I don't know if these two things are related. I have contacted this dealership 's credit department to inform them that it was a fraudulent inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I received a notice from XXXX Synchrony Bank stating that they would be submitting an electronic request to have a fraudulent inquiry generated by the the credit application deleted from my personal credit file that I did not authorize. XXXX Bank has yet to remove this inquiry from my Consumer report.
Product: Debt collection

On XX/XX/40, this debt collector called my boyfriends dad and left a voice message about a supposed debt I owe. I have no record of owing a debt to this company and I have never received any validation that I owe this debt. Direct Recovery Services violated a FDCPA law, which does not allow debt collectors to leave messages with third parties.
Product: Debt collection

I moved into a house with my wife XX/XX/XXXX. On XX/XX/XXXX I received a letter stating I owed {$620.00} to my old apartment complex XXXX  XXXX  XXXX  Apartments. This letter was sent from a debt collector. The letter from the debt collector did not indicate what it was for. Having no idea what this collection was for, I called my old apartment complex to figure why I owed them money. I logged onto XXXX to look at the account. I noticed it had been open since XX/XX/XXXX. It's been 7 months since this account has been open and this is the first time I am receiving any notice about it. 

I have changed my phone number and address since I first left, so I'm sure it took awhile for the company to contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Several letters were sent out to XXXX credit reporting agency. The first letter was dated on XX/XX/2020 to remove the wrong information on my credit report and nothing was done at this time.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is regarding an existing issue with XXXX XXXX and equifax XXXX XXXX account # XXXX This is a fraudulent inaccurate account and have multiple inaccuracies on the accounts such as reporting different opening dates and has different dates last reported that are not in proper METRO 2 format and the account do not reach FCRA requirements.. I have previously disputed this account and it came back verified without any proper investigations. because if they would have did a proper investigation they would have seen that these are fraudulent and inaccurate accounts that have really been effecting me financially and also have caused defamation of character. According to law 15 U.S. Code 1681- ( a ) Accuracy and fairness of credit reporting. ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. ( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Checking or savings account

We went to a Bank of America branch on XX/XX/2022 to open a {$2000.00} cd with cash on hand to be mature in XX/XX/2022 as fixed term, we gave him the cash to the teller and they created the CD, I have a screenshot from my banking mobile app that proof the CD was created few days later the CD disappeared from my mobile app, we contacted the bank over 10 times now and they failed to explain what happen, they said the cd got cancelled because missing funds, we went to the branch a gave them money, how is that the CD is not supported with the money, then they said XXXX got close and was sent to my checking acct, no true I dont see a transaction showing amount coming from Closed CD acct, this was supposed to be a fixed term CD to mature in almost XXXX why a few days after it got open they closed it without telling Us with no authorization from Us and/or more importantly without a valid CD transaction #, please help Us we have reached managements, XXXX XXXX, Corporate Customer Service and every time we speak with them they give us different, inaccurate and untruthful Information
Product: Credit reporting or other personal consumer reports

: Deletion Of DEPT OF JUSTICE Child Support Account Account Name : DEPT OF JUSTICE Child Support Account : XXXX XXXX XXXX XXXX I am writing to bring to your attention a violation of the Fair Credit Reporting Act ( FCRA ) of 15 USC 1681 ( b ) that I have recently discovered on my credit report. 
Upon reviewing my credit report, I have found that there are multiple child support accounts that are currently listed on my report. However, based on case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX, XXXX XXXX. XXXX, XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXX and case law XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX kids, XXXX, XXXX XXXX, XX/XX/year> ( XXXX XXXX ), child support accounts are not credit transactions and they are judgements. 
These accounts are in violation of the FCRA laws of 15 USC 1681 ( a ) ( 2 ) that requires credit bureaus to maintain accurate and reliable records. 
Therefore, I request that you delete these child support accounts from my credit file as soon as possible. According to the case law XXXX XXXX vs. XXXX XXXX XXXX XXXX XXXX ; XXXX, XXXX, et al., Case : XXXX C XXXX, XX/XX/year> ( XXXX XXXX  ), judgments are not considered credit transactions, and it is illegal to report them on a credit report. 
Hence, including these accounts on my credit report is a violation of federal law, and it is affecting my credit score adversely. 
Please ensure that these violations are deleted immediately. Furthermore, pursuant to the FCRA, I expect written confirmation that these accounts have been removed from my credit report within thirty days of receiving this letter. Also, please ensure that any creditors who have received my inaccurate credit report within the past six months are also notified of the inaccuracies.
Product: Credit reporting or other personal consumer reports

First of all, I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim and I do not consent to an electronic communications. I request all responses be in writing throughtheusps. This is one of my numerous endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. As you can see, I am keeping careful records in regards to this matter. It has been well over the 30 days allowed by federal law for you to respond. Your failure to comply with federal regulations is a serious violation of the Fair Credit Reporting Act and could result in an investigation by the FTC. Perhaps this is just an oversight or result of high volume of the requests you receive daily. I highly doubt an agency that is responsible of maintain accurate information would neglect to follow the laws that govern them on purpose. So I will extend you the benefit of the doubt. Im sure youll want to tend to my request as soon as possible. To recap it all for you the following needs to be removed : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete these fraudulent accounts from my file ASAP. Also, I have sent your company many letters requesting that you investigate a list of inquiries that I believe are reporting incorrectly. Not responding to my requests is a violation of the Fair Credit Reporting Act and will not be tolerated. In case you would like to settle this matter between you and I, rather than me filing suit against your company, I will once again list the inquiries in question so that you may do as you are governed by the FCRA. Please investigate the following : XXXX XXXX XXXX XXXXXXXX XXXX, 2023, XXXX XXXX XXXX XXXX XXXX, 2023, and XXXX XXXX XXXX  XXXX XX/XX/2023.