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

On XX/XX/2021, the consumer report earned +7 points for clean conduct and records, the same day, 5 points was deducted as appropriate for 1 hard inquiry ; however, EXPERIAN fraudulently deducted 12 points, only reporting 5 of the 12points, thereby hiding the additional 7 points deducted from the report. ( SEE ATTACHMENT 1.0 and 1.1 ) On XX/XX/2021, Experian intentionally conducted reporting of consumer account 5 days early and ahead of the routine schedule for the consumers reporting as historically conducted on the consumers account. By doing so, EXPERIAN intentionally disrupted the balance and true nature of the consumers scoring process and profile, unethically for the sole purpose of deducting 40 points from the consumers report ahead of schedule and against the historical reporting schedule as routinely conducted for the consumers profile unfairly and in complete violation of 15 U.S.C. 1681c. ( SEE ATTACHMENT 2 ) On XX/XX/2021, 6 days later, Experian again, deducted 1 point for unclear and inconsistent reasoning and in violation of XXXX - XXXX U.S.C. 1681c, 605 ( d ) ( 2 ). ( SEE ATTACHMENT 3 ) On XX/XX/2021, Experian reinstated 10 of the 53 points DEDUCTED immediately followed unlawful and fraudulent release of consumer credit report to a XXXX, twice, on XX/XX/XXXX, and again on XXXX XXXX, that resulted in two unlawful hard inquires. ( SEE ATTACHMENT 4 ) On XX/XX/2021 the consumer immediately sent notification and demand to Experian in response to the fraudulent release of the consumers information, clearly stating the issue and requesting immediate resolution which was duly noted as received on XX/XX/2021. ( SEE BELOW ) In response to this, Experian : On XX/XX/2021, EXPERIAN, in response to receipt the consumers 1st request for immediate removal of the unlawful inquiry and release of information to XXXX, Experian, deducted 26 points in retaliation to said matter ; ( SEE ATTACHMENT DOCUMENT 5.0, 5.1, and 5.2 ) Again ; On XX/XX/2021, a 2nd demand and request was sent to Experian by the consumer regarding the unlawful inquiry and release of information to XXXX, which was delivered on XX/XX/2021 received and duly noted on XX/XX/2021. ( see attached ) On XX/XX/2021, Experian complied to the request removing the fraudulent item as duly noted and received on XX/XX/2021, and Experian again in response to said matter, deducted 23 points from the consumer report ON THE SAME DAY, as penalty and in complete retaliation to the request for correction by the consumer. ( SEE BELOW ATTACHMENTS 6 - 6.4 ) On XX/XX/2021, again, Experian AFTER acknowledging removal/deletion of the fraudulent inquiries by XXXX on the consumers account and report, Experian immediately and on the SAME DAY, deducted an additional 23 points from the consumers report as penalty for the 2nd time in 4 days and in complete retaliation for correction of such request said matter resulting overall deduction of 102 points for bias and unlawful reason and practice, all in violation of 605 - 15 U.S.C. 1681c, 605 ( d ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! XXXX XXXX XXXX had put the account back on my credit report under another corporation name ( XXXX XXXX ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( XXXX XXXX XXXX ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO EQUIFAX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!! THEY ARE IN VIOLATION OF 15 U.S.CODE 1692B AND 15 U.S.CODE 1692G
Product: Credit card or prepaid card

AFTER DOING A MINOR AUDIT OF MY ACCOUNTS I FOUND SOME FRAUD CHARGES ON MY CC. I REACHED OUT TO THE CC AND WAS TOLD BY CAPITAL ONE THAT I NEED TO CONTACT XXXX XXXX AS THE ACCOUNT WAS TRANSFERRED OVER. WHEN I CONTACT XXXX XXXX THEY TELL ME TO CALL CAPITAL ONE. I DONT UNDERSTAND THIS BACK AND FORTH AND WHY THEY REFUSE TO HELP ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX credit report is reporting 2 accounts on my report that were to be deleted. The first one is XXXX XXXX XXXX 2nd one is XXXX. I have been disputing these accounts for over 6 months now and still nothing is being corrected. However XXXX did an investigation and it was proven that these 2 accounts be deleted off my report. XXXX should have received the same response from my dispute. I keep getting letters from XXXX that they verified the accounts belong to me and updated. This is completely wrong. I contacted corporate office at XXXX XXXX XXXX discussed the whole situation that these charges were not made by me. XXXX is out of business but sent me to collection. I 've tried contacting the collection agency and they told me there is no record of me in collection as the account is probably too old. All I no is I PAID in full the XXXX card. I 've disputed these accounts so many times with XXXX and now they will not allow me to re-dispute again unless I submit supporting documenation. This is not right as it is affecting my credit score in a very negative way. I feel XXXX is NOT doing a thourough investigation as if they did they would have received the same response as XXXX did to delete and remove these accounts off my credit report. I have previously uploaded copies from XXXX that these 2 accounts were deleted off my report. Transunion is not doing the right thing and to not allow me to re-dispute is completely wrong. I have 2 things on my report that DO NOT belong on there.
Product: Debt collection

I requested a thorough investigation on this account. The company sent a generic statement that does not provide any proof that I owe this debt. The statement has an address that is foreign to me and dates back to 2017. I am requesting that this company Consumer adjustment company provide the original contract with my signature for this debt as they have refused to stop reporting the debt that I do not owe.
Product: Mortgage

The complete request for short sale packet was submitted to Ocwen on XXXX XXXX XXXX. On XXXX XXXX I received my first payoff which I confirmed that the loan with Ocwen would be paid in full from sale proceeds. At THAT time on XXXX XXXX when I called and spoke to the short sale department to let them know that we would only be doing a short sale on the second because this loan ( loan with ocwen ) would be paid off in full that the foreclosure date was suspended. And I was told to just be sure to send in the 2nd lien approval as soon as it is received. I received the second lien approval on XXXX XXXX and called and spoke to someone in customer service to again confirm full payoff status and the closing date of XXXX XXXX ( I do not have the name because the call was outsourced to someone in XXXX XXXX and the names and spelling are difficult to register. I was told to email the letter and the hud that matched and also confirm the suspension was still in place. I had no reason to think we were in danger as I hadnt received any calls or correspondence from Ocwen that would raise suspicion of the foreclosure suspension being lifted. On XXXX XXXX when I called in for an updated payoff for our closing date the following week you can imagine my shock and the sickness I felt when I was told the property was sold to a third party on XXXX XXXX.
Product: Checking or savings account

I reached out to Chase 's customer service to obtain my records from them. One lady said I had the wrong department, she transferred me to another department and he said that was the wrong department and hung up on me. I need my bank statements from my account from when I opened to when it closed.
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Removal of Unauthorized Accounts My name is XXXX XXXX, and I am writing to bring to your attention a matter of utmost importance concerning unauthorized accounts held by Capital One in my name. Regrettably, I have fallen victim to a XXXX scam, and it has come to my attention that accounts have been opened without my authorization. 

I kindly request a thorough investigation into this matter to rectify the situation promptly. I emphasize the urgency of this request and urge you not to close the case without a comprehensive examination and the subsequent removal of any accounts associated with my name that have been established without my consent. 

Your cooperation in this matter is greatly appreciated, and I trust that your team will handle this issue with the utmost diligence. I am more than willing to provide any necessary documentation or information to aid in the investigation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Debt collection

The debt collector RCI of XXXX, WA repeatedly tries to contact me on the phone on a recorded line. I have repeatedly, specifically asked them not to record our conversations, which they refuse. On at least one occasion a representative ( " XXXX '' ) claimed that they were " required by law to record. '' This is false. The Revised Code of Washington 9.73.030 ( 1b ) reads, " ( b ) Private conversation, by any device electronic or otherwise designed to record or transmit such conversation regardless how the device is powered or actuated __without first obtaining__ the consent of all the persons engaged in the conversation. '' ( emphasis added ) The RCW 9.73.030 ( 3 ) goes on to read, " Where consent by all parties is needed pursuant to this chapter, consent shall be considered obtained whenever one party has announced to all other parties engaged in the communication or conversation, in any reasonably effective manner, that such communication or conversation is __about to be__ recorded or transmitted. '' ( emphasis added ) The explicit requirement of the statute, in addition to the inherently revocable nature of consent, clear means any party wishing to record a conversation must obtain _prior_ consent from all parties. Therefore, any recording made before obtaining such consent, and certainly any recording after an expressed lack of consent, is illegal. 

RCI refuses to abide by this law. It phoned repeatedly on recorded lines, even after I made it clear I refused to consent to speaking on a recorded line. They have otherwise never to my knowledge attempted to contact me in written form. They have not provided their address or any other means of communicating with them. They may have identified me via caller ID, but I never answered, confirmed or denied any question, nor did I ever volunteer any personal information. They have never supplied me with any information regarding this alleged debt, such as the alleged creditor, they amount they believe is owed, and how to dispute this claim. 

This morning, XX/XX/2023, I noticed a collections account damaging to my credit rating attributed to RCI. I try to contact them, but, again, they refuse to speak to me on a non-recorded line, which is my right. They insist that their disclosure the call is being recorded satisfies their duty to obtain my consent, even after my explicit and specific expression of not consenting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I was reviewing my credit report and these accounts from XXXX XXXX XXXX. These accounts are unfamiliar to me. I don't know these accounts. I filed an FTC report and I've attached it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU HAVE THESE ACCOUNTS ARE REPORTING INACCURATELY ON MY CONSUMER REPORT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Pursuant to the FCRA & the FDCPA I respectfully request for full accounting to be provided as proof of these alleged items, specifically the original contract and application, note or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible. ADDITIONALLY, This information is entirely or partly inaccurate and incomplete, and as such represents a very serious error in your reporting that is causing damage to my reputation. If you fail to delete or report any and all accounts accurately, I WILL FILE FOR LITIGATION.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX And XXXX are in violation of federal law. Here is the. Law that has been broken and violated : 15 USC 1681 2 ( i ) states : report containing information solely as to transactions or experiences between the consumer and the person making the report. 

Definition of consumer Report : ( 1 ) In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other enity These Agencies are indeed a corporation and have no right to violate the law! These agencies are not above the law. And until the law changes, they are expected to abide by it! 

I have tried reaching out to Experian, XXXX and XXXX. They are acting completely oblivious to this wall. It is a federal law in which they need to follow. They are in violation of This law and action needs to be taken if these credit reporting agencies refuse to abide by the law. 

I have sent correspondence to the credit reporting agencies About the violation of the wall and they still convenuously Are violating Is this federal law! 

Until federal law changes, The credit reporting agencies are expected to follow the law!
Product: Checking or savings account

Problem with KeyBank, On Friday XX/XX/19 around XXXX, I attempted to make a cash deposit of {$140.00} ( 2- {$50.00}. bills and 2- {$20.00} bills ) at the KeyBank ATM , located in the XXXX XXXX parking lot on XXXX XXXX. and XXXX XXXX, XXXX New York. The ATM took my card and my money. Then it displayed a message " verifying your transaction '', then " self test. '' then " out of service. '' After some time my card was returned but not my cash. 
I called the 800 number posted on the ATM for help the representative took the information and filed a dispute claim. I also spoke to the Bank manager inside the store. He said that I would need to wait until the machine is serviced and if there is an overage I would be issued a credit for the funds. He was not sure when the machine would be serviced or when I would receive the funds. He advised that if I had used the ATM in the store they might have been able to do more. He stated it could take up to 10 days. He took my number and promised to call me before the end of the day. I did not hear from him.
Product: Debt collection

Due to this company ( XXXX XXXX ) and their unscrupulous business practices, I have been negatively affected on my credit by 200 points. 
When we left this property and moved out of state, giving a proper 30 days notice ( apartment ) Our unit was left move in ready condition, they were trying to charge us for cleaning fees, paint, carpet cleaning .We had only lived in this unit 6 months. We disputed all of this because it was trumped up charges or had to be a different apt they were talking about and they continually failed to respond only that they would look into it. We called, left messages, and emailed them with no response. Here we are 3 years later and find out it was turned over to collections with no correspondence, they had both of our emails, phone numbers, our forwarding address and my mothers address to contact us. 
The company that reported on behalf of XXXX XXXX is Fair Collections and Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX MD, XXXX, PH # XXXX. I have called them twice, and they said tough luck, after I told them these were not true charges. The people knew we were moving out of state and took advantage of us by trumped up charges because we were n't going to fly back to walk into their office. We tried no less than 30 times to contact XXXX XXXX to no avail. 
Prior to living in this unit we lived in another unit on this property that was smaller and when we moved out they charged us nothing because nothing was wrong. Everything changed when we gave notice.
Product: Debt collection

I am submitting a complaint, firstly here, then to the BBB, after this I will be seeking more aggressive routes as this is criminal in my mind, in order to hopefully get some kind of relief from the damage this company I C SYSTEMS has done to my credit. I have asked many times to verify the debt of {$1100.00} as well as show the contract that I have signed with them and not any other company. Without any proof sent to me. They have changed the dates on the debt. They have repeatedly reported it as new debt in my reports and I have watched my score drop at least 11 points each time that have done this. Most recently they didn't even wait a week before slamming me with this tactic twice. Which I will send proof of with this complaint. This damage will take me years to fix. I believe this is an illegal practice and not the least of which immoral. I don't know this debt. I will NOT pay this debt. I will not give any money to anyone that is trying to strong arm me. I have lost way more in time spent trying to repair my credit and interest rates due directly to their actions. This has been going on far to long.
Product: Debt collection

I received a collections from Credence Resource Management regarding an XXXX XXXX XXXX  account on my credit report. Account # XXXX associated with Address XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX.
Product: Mortgage

I paid my mortgage down to XXXX % XXXX, I sent payments to wells fargo as they requested, I sent wells fargo a copy of a certified appraisal, my property appraisal is XXXX and my mortgage balance is currently XXXX that puts me at XXXX in equity. 
wells fargo refuses to return my calls, i faxed to wells fargo a written letter to cancel PMI. 
I electronic transfer payment from my bank and it has been tasking over 10 days to apply to my account. 
they keep asking me for more money and they keep sun I feel they are violating the homeowners protection act they keep giving me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

Navy Federal Credit Union reported me late on a credit card that does not belong to me, I am an authorized user only. I never signed anything saying that I would be financially responsible for this card.They reported me late, and when my wife called, they advised me that they reported me as an authorized user, and would not be able to correct. My wife had me removed as an authorized user, but I need them to go and fix my credit report. You can not report on an authorized user, because I never had financial responsibility for this card
Product: Checking or savings account

Yesterday, XX/XX/year>, I received an email from Affirm Money which is a savings account. I have had an account for years. The email stated my account was frozen after I made a transfer withdraw to my checking account at my local XXXX XXXX. This is the first withdraw I have made, after years of consistent monthly deposits. I immediately did the ID verification as well as spent over an hour on the phone with XXXX different Affirm representatives who only then told me they could give me NO timeline on when I would have access to the transfer OR my account at all. The transfer was for the legal, daily amount for {$25000.00}. My balance in my savings is {$73.00}, XXXX. 

I am VERY disappointed in how this was handled and very upset. I would like answers and I would like to cancel my account- and my {$73.00}, XXXX back immediately. Of the XXXX people I spoke to, XXXX was a supervisor, and again, no one could tell me when I would be able to access my transfer or my account at all. There is no email or way to contact affirm and their representatives as shown are of no help. I am very concerned and need help getting this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I created a XXXX XXXX XX/XX/2020 and i was trying to get my first apartment. Well to make things short i saw a collection account which is closed that is fraud. XXXX XXXX XXXX is reporting late payments on a fraudulent closed credit card in which i did not open. I called them and credit agencies but nothing has happened they run me in circles saying they are 'investigating ' it has hurt my credit score from a XXXX to a XXXX and is creating financial hardships for me. I want this account removed from all my credit reports because i did not open it and it keeps reporting late payments and hurting score. Please help me. I did not file a police report because its almost 7 years old i just now started learning about credit that is why im just now seeing this account. Also the company that XXXX XXXX  provided that 'bought ' the account is no longer in business. I need answers.
Product: Credit reporting or other personal consumer reports

I do not recognize these credit inquiries, and I've asked them to be removed, but the bureaus did not do anything. Please remove the credit inquiries because they are inaccurate and not mine. Thank you. 
These were not authorized. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX # XXXX, DEPT OF ED/XXXX XXXXXXXX, 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 instructions