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

I have reached out to Experian back in XXXX to advised them that there were 3 fraudulent accounts on my credit report, XXXX card, XXXX XXXX XXXX and XXXX XXXX. I provide the company a copy of my police report and other documents to support my claim. every time I dispute the item they came and said it was verified. I asked the company numerous times to show me how it was verified ( method of verification, I asked them to provide documents and show me where my signature of something and they never did, which is a violation for the fcra, Experian is require to show proof of regular documents and they are suppose to provide it within 15 days of my dispute. mind you, I dispute these account more than 4 times, each times they never showed me verification. they just always just said it is verified!!! number two the creditors ( XXXX card, XXXX XXXX and XXXX XXXX all said these account were closed to bankruptcy!!! I do not have bankruptcy and no bankruptcy is reporting on my credit report!! all 3 three company advised that these account were closed due to bankruptcy!!!! I provide this company with name of the people who I spoke with XXXX from XXXX financial, XXXX from XXXX consumer use said that XXXX XXXX sold them my account and said it closed due to bankruptcy and they sent a letter to Experian to delete their account ( mind you Experian never told this me nor provided verification again. ) XXXX from XXXX  and XXXX from XXXX card all confirm these account were closed due to bankruptcy!!!! I told this to Experian on numerous time and they failed to do anything about it, so, again that's another red flag and fraudulent stuff!!!! and my name is spelled wrong on my credit report, my name is XXXX, not XXXX which I advised them on numerous time about this and they failed to correct, which is another violation.FCRA 611 ( 15 U.S.C. 1681I ), [ FCRA 611 ( a ) ( 7 ) ] Section 609 ( a ) ( 1 ) ( A point if they don't block these fraudulent accounts I will Sue this company, I already consultant a lawyer, this will be my last time trying to resolved this peaceful. I already advised the ceo XXXX XXXX of the horrible work that XXXX ( the representative in consumer affair has done on my case, and XXXX in consumer affairs has done, and she told me she would not put in another dispute and if she does it will come back the same!!!. I know my rights and the law!! This is illegal! below in the attachment are Experian ways of " method of verification '' is which is not the way fcra stated they are suppose to show method of verification!!! you have to show proof!!!! word of mouth doesn't mean anything!!!! as you can see this company has send me this bs verification for 2 months now!!!! its like they just copy and past their same response!!!
Product: Debt collection

Currently have a active complaint for debt collector known in XXXX AMO Recovery inc DBA asset management outsourcing recoveries inc with XXXX XXXX complaince officer. Here is a copy and paste of attorney general 's " Update Existing Complaint Message : claim # XXXX Claim closed on on XX/XX/XXXX Please reopen closed complaint and asking to forward reopened claim # XXXX to the correct department " Consumer Protection division of the Washington State Attorney General 's '' Consumer, ( myself ) is asking for Reinvestigation into this subject matter. Need investigation further for possible violations of Fair Debt Collection Practice Act ( FDCPA or Statute ). I need help in enforcing Washington state Debt collection laws and FDCPA laws. Debt collector is prohibited from using harassment or abuse, false or misleading representations, or unfair practices for the purpose of collecting a debt. Prior explanation from XXXX as follows ; " As of the date of this letter, we have not yet received a response from XXXX XXXX XXXX. If XXXX XXXX XXXX sends us a response in the future, we will add that to your complaint as a public record and we will send you a copy for your information. '' Consumers allegations ; XXXX. XXXX XXXX XXXX hadn't responded YET cause the original debt buyer answered to the complaint. Asset management outsourcing recoveries inc no longer licensed since XXXX XXXX. XXXX XXXX offered her assistance if it's needed any further! Writ of garnishment was properly filed in XXXX district court?? a. Are these companies properly licensed to do business in this state XXXX to bring an action that is enforcing security interest in real property which secured my obligation ( vehicle that was returned and given back in lieu of any alleged past defienceis? b. Alleged debt can you validate? c. Has all proper notices been issued? * If an attorney debt collector serves a consumer with a court document conveying information regarding the debt, that court document is a " communication '' for purposes of the FDCPA. If an attorney debt collector has had no prior communications with a consumer before serving them with a summons or other court document, that document would constitute the " initial communication. '' Consequently, the attorney would have to send a validation notice with the court document or within five days after the initial communication '' Attorney General 's is looking further into my complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX credit card from XXXX is showing up on my credit score for XXXX XXXX I had a card from XXXX XXXX XXXX last year for XXXX $ that I never used and canceled. My XXXX  credit account is all messed up because of identity fraud. I keep freezing my account but these people opened an account with XXXX which is also on my credit but I have XXXX. I can't call any of these companies because my phone calls get ported and I never know who I am speaking with. I also have a XXXX card that was opened last XXXX and was paid off but it says I still owe a payment and now I have just seen XXXX XXXX for Apple Card which I disputed because I paid the card off completely 4  months ago and it's showing two Apple cards... I don't know what to do this all started last XX/XX/XXXX and I actually canceled the XXXX account but someone opened and paid to have the premium account reopened so in my opinion they can somehow manipulate what is on my credit report. Since last year my credit score has dropped XXXX points, I've had to close out all my bank accounts twice. XXXX recently just gave me a new phone because of all the coding that was in it from hacking. I can't keep an email address without it getting hacked including my work email.I work at a college and found a hidden voicemail last week about my student loans which I don't have. I have had my unemployment from state of XXXX opened twice and I've contacted authorities, FTC, and I was told by XXXX to go to the FBI.
Product: Debt collection

On XX/XX/2021 I reviewed my credit report with XXXX. I had noticed a collection item was placed on there for XXXX XXXX in the amount of {$6800.00}. Account number displayed was XXXX. I called the collections agency which was named Enhanced Recovery CO L with a phone number XXXX. I spoke to the Office of the President. I advised the rep who answered there are multiple violations regarding the FCRA. Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you ERC has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Also ERC did not send me a letter in writing to give me any notice of such debt. They are legally to send me a letter in writing allowing me 30 days to dispute the validity of a debt in which they did not. They put it on my credit report with no notice. 

I requested proof bearing any documents with my signature on it with ERC 's company documents or any letterhead. They have been unable to provide proof of my signature on any of thier company documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 someone used a replacement card Chase had sent to me that I never received to charge {$3000.00} at XXXX XXXX XXXX XXXX # XXXX. Chase had flagged this as potential fraud via an e-mail and text message. I responded to both that yes, this was fraud. I immediately called the number Chase provided via text XXXX. 

My card was then locked and a replacement was air mailed to me, expecting it to arrive XX/XX/2019. The representative had asked me if I still had my card, in which I responded with yes. She looked at my account again and realized they had sent me a new card ( mine was set to expire in XX/XX/XXXX ) that should have arrived last week. I had never received it. 

Somehow someone had intercepted my card in XXXX and used it. Since she informed me the purchase at XXXX 's was with a chip. Clearly there are very lax rules around activation if they were able to use my card while I had the original and had used it the day before.
Product: Credit reporting or other personal consumer reports

My account with XXXX  XXXX XXXX  was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I am currently going through a background check process to start a new job at XXXX  XXXX XXXX. The background check provider, XXXX XXXX, collected most of my documentation without incident, but noted last week that they could not run a credit bureau report via Experian, due to an error involving my SSN not matching what was on file at the IRS. ( They apparently do not use any other credit bureaus. ) I have determined that they need my middle name for it to match correctly. However, I can't log in to Experian 's website to correct the record. 

As of XX/XX/year>, it takes me multiple tries to log in, including resetting my password ( only sometimes works, if at all ) ; they send verification codes via SMS that either never arrive, or require me to request it twice. I tried updating my record, and creating a new account from scratch, and the site hung up with an error multiple times. 

Experian seemingly does not provide any way to reach a customer service agent. Their automated voice menu does not provide any way to report a technical support issue, and I end up going in circles. 

It only half-recognizes spoken input ( though I can hear someone typing, so *someone* is on the call ) but flat-out refuses to connect to a real person. I tried calling a different main office number and explained my issue, only to be rerouted into the same automated voice menu. 

In searching to see if others have this problem, I encountered *XXXX* of similar reports from other Experian users. The pattern of behavior makes it seem like Experian is actively making it hard for people to update their information.
Product: Checking or savings account

On XX/XX/23 I opened a claim with Truist against XXXX XXXX XXXX for unlawful repossession of my vehicle in the amount of {$6000.00}. After thoroughly explained and submitted proper documentations to Truist regarding the act committed by XXXX XXXX XXXX was surely unlawful, Truist refuses to take action and therefore continued to deny the claim and offered no resolution or assistance. After all, I did not received the service as intended from XXXX XXXX XXXX, since my vehicle was unlawfully taken away outside of a delinquent payment. Therefore, by Florida laws, and statues and I'm eligible to dispute the transactions as service not rendered.
Product: Checking or savings account

XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$490.00} XX/XX/XXXX {$1500.00} XX/XX/XXXX {$1500.00} All were reported to Bank of America.

Nothing done.
Product: Mortgage

My loan was transfered to XXXX XXXX XXXX from XXXX mortgage XXXX. I was sent a letter in XXXX that my loan would be transfered. On XX/XX/XXXX my payment was drafted to XXXX to pay for the XXXX payment, I called newrez on XXXX and spoke with a XXXX   explaining that XXXX had drafted the money and I did not know if they would pay XXXX directly or would be refunded. XXXX said they would put the money back into my account within 5  days and they could draft the funds so I agreed. on XX/XX/XXXX the funds were drafted by Newrez, but XXXX did not put the funds back into my account until XX/XX/XXXX. The caused my loan not to be paid and a NSF to NEWREZ also resulted. When I sent in a letter and my bank statements showing what happened I was told that it was not their problem that I had insuffient funds to cover the draft and that they would not refund the {$25.00} NSF and would not take back the 30  day late according to the CFC 1024.33 ( b ) ( 4 ) ( v ). I have owned this house since XXXX and have never been late. I ask that someone help since this was due to a transfer of my loan. I paid NEWREZ {$2700.00} XX/XX/XXXX not realizing that this had happened. Please help.
Product: Credit reporting or other personal consumer reports

This complaint is an addendum to complaint # XXXX with additional new information. 

Since filing the previous complaint I received a postcard in the mail from Equifax indicating the death notice was finally placed on my wife 's account as requested, however, since then, I have also received no less than 4 canned form letters from this pathetic company requesting in order to add the death notice I would yet again have to submit the same information I have already submitted to them. As one can see, dealing with this disgusting company is like dealing with a tree stump. As they continue to outsource their customer service to XXXX foreign untrained scriptreaders this is what consumers must put up with, IS THE DEATH NOTICE ADDED TO MY WIFE 'S REPORT OR NOT??? HAS THE OTHER TWO CREDIT REPORTING AGENCIES BEEN NOTIFIED OR NOT??? What is it going to take to get a straight, accurate reasonable response from these clowns??? And when is the CFPB going to take action against them so as to prevent other consumers from having to deal with such gross irresponsible behavior from a credit reporting agency?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Has been changing the first date of delinquency on both my old auto and credit card to both Equifax and XXXX. 

By doing this they have prevented me from seeking the employment I desire and the ability to reestablish credit. 

I have contacted XXXX XXXX XXXX for records, which confirms my statements are valid. Still, they have ignored the facts, knowing that I would need to take them to court. 

I have contacted both Equifax and XXXX, they can both see in the history of XXXX XXXX XXXX. credit reporting, that both of these accounts started to be delinquent in XXXX of 2017. 

I ask that XXXX XXXX XXXX Equifax, and XXXX remove these two accounts from my credit file for good. My next step is through court system, where I will seek damages.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with any of the agency XXXX. They did not provide me the original contract as requested. Under 15 USC 1681 I am demanding that my credit report is corrected and all agencies below are remove from my credit report. I did not give written consent nor did I sign any contracts with either parties that have illegally sold nor purchased debt. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX XXXX amount XXXX
Product: Student loan

I started the payment plan with the department Of education in XX/XX/XXXX I was only billed {$5.00} A month as long as XXXX consecutive payments were made of my income. After the XXXX consecutive payments navient took over as my loan servicer. I had received an email saying starting XX/XX/XXXX I had to pay {$390.00} a month horrified of the email because I can not afford that I had called customer service and she had told me to put a forbearance on my loans and fill out a request for an income based repayment plan. I went to the IRS link provided and imported my tax information straight to the income based plan. ( MIMind you I did n't even make {$XXXX} in XX/XX/XXXX ) I received an email the next day saying my request had been received and is processing. I received another email from navient stating I owe {$390.00} due XX/XX/XXXX. Ii have an almost {$400.00} student loan payment on an {$XXXX} Income and also checked I 'd like my servicer to provide me with the lowest monthly payment possible. Which obviously is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 someone applied for credit through XXXX  XXXX. Under my maiden name. Which obviously I dont use as its no longer my name. I called XXXX XXXX they said they would remove it they also inform me that I need to call XXXX XXXX Equifax and XXXX to report the fraud and to also lock my accounts. Equifax was the most difficult they refused to remove it even though I am a victim of identity theft. The all said that I need to have a police report I dont even know how to go about getting a police report for something that wasnt even in my state.
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 1681XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has 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 a account without my written 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 year.

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.
Product: Credit reporting, credit repair services, 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 U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy. 

15 U.S.C 1681 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 the records of convictions of crimes crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and i haven't received any results
Product: Mortgage

I have requested that Ocwen ( Mortgage Company ) stop calling me at my Job. I gave them my cell and home phone number but they continue to call my job. I work at a help desk with XXXX other individuals and all have answered the phone and knows who they are. My boss has answered the phone in the past and also asked them not to call the work number again. Every morning I still get two ( 2 ) phone calls. I do not mind them calling mine or my wife 's cell or my home phone but they really need to stop calling my job. Is there anything that can be done to stop them from calling my work place?
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account. Actually I am not sure that the account is even mine though your company claims to have verified this. Depending solely on your flawed XXXX system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. As in XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, Equifax, XXXX XXXX  the courts ruled each and every time that the CRA couldn't merely " XXXX  '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXX XXXX XXXXXXXX
Product: Credit card

I have several charges on my Wells Fargo Visa Debit card, where I made a purchase w/the card, so I'd be protected if anything went wrong. One was a laptop, one was a tablet. When I never received the items ( one sent me a {$.00} item instead ), I disputed the charges w/Wells Fargo. But for some reason, they've started denying disputes, where over the last few decades, they've always provided protection from me getting ripped off. I don't know what's changed, they mentioned Visa themselves, as the ones denying claims.
Product: Credit card

I have made multiple attempts to apply for credit with Affirm ( Affirm Holdings , Inc ). Every time I have applied they are using credit reporting that is XXXX to XXXX months out date with inaccurate information. The report says it was pulled from XXXX but they information they using to deny me credit is never reflected on my actual XXXX report or the information is so out of date that it does not apply to my current circumstance at all. I have complained and complained to Affirm about this. They tell me Im approved but this is an outright lie. I have never been able to use their services. 

I am attaching a document showing their reason for denial. Its dated XX/XX/2023. Todays date is XX/XX/2023! This is insane!