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

XX/XX/2024 Okay Experian Credit Bureau is reporting fradulent account thats on my credit report I spoke with a supervisor last month and he told me to send in a FTC report I sent in 3 Reports about the same account as they did that got a email from them saying if I want to block the account XXXX  XXXX  XXXX to send a copy of my photo id and a utility bill. I did that got a email from them again saying the FTC report that I sent in was invalid which I know was not true because the Hard Inquiries that was on the FTC report was removed. So I waited today I spoke with a supervisor and she told me that experian dont investigate and they let the company investigate so I ask the supervisor from experience how did they prove the account was mines and she said out her mouth that they email them saying it verified so I ask her where is the actual proof she couldnt tell me and hung up in my face I want to get my lawyer involved this supervisor who I record saying EXPERIAN dont investigate I tried everything to speak with the fraud department they not helping me they saying they dont make decisions on what get remove the system do I have all this on recording by the way
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized inquires. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX date of birth XX/XX/XXXX contexts of complaint : This CFPB complaint has been filled to request pursuant to FCRA 605B that you the XXXX and experian credit reporting agencies block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent inaccurate and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX AND ANOTHER ONE WITH THE ACCOUNT NAME : XXXX XXXXXXXX ; ACCOUNT NUMBER : XXXX OPENED : XXXX. XXXX, XXXX This account has resulted in several fraudulent hard inquiries INQUIRY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX INQUIRY NAME : XXXX XXXX INQUIRY DATE : XXXX XXXX, XXXX INQUIRY NAME : CXXXX XXXX XXXX XXXX  INQUIRY DATE : XX/XX/XXXX. XXXX INQUIRY NAME : XXXX INQUIRY DATE : XXXX XXXX, XXXX and fraudulent collections appearing on my consumer XXXX. I've attached the copy of the identity theft affidavit as proof from the US Federal Trade commission that all of the aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me and instead they are a result of identity theft and fraud.
Product: Debt collection

I made multiple attempts through XXXX and XXXX to settle the above referenced account. My offers were repeatedly denied. I made the same offer in XXXX, after this office notified me via mail that they were suing me. The court date was XX/XX/XXXX. We settled for my original offer amount of {$450.00}. I had until XX/XX/XXXX to pay, I paid XX/XX/XXXX. At the hearing, both Stillman 's representation and the magistrate, claimed upon payment my file would be updated to reflect a {$0.00} balance, I would be provided with receipt upon payment, and such would reflect on my credit file. 

Stillman 's office took XXXX  days to provide me with receipt, and purposely told the data furnishing companies ( 3 major credit bureaus ) that my account was not settled/paid in full during the dispute/investigation process, causing me to have to re-open the dispute, and wait an additional 30 days on top of XXXX  days I had to wait for a receipt.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery for committing identity theft. I have never given Portfolio Recovery any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until Portfolio Recovery can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Portfolio Recovery continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt if the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention are both requested and required.
Product: Bank account or service

My mortgage is due the XXXX of each month as usual. However, by the XXXX day I began receiving phone calls daily at work and on my cell phone concerning the " delinquent '' payment. The mortgage was paid by the XXXX and I asked them not to call me during the grace period. I was told there is no grace period as the loan is due on the XXXX of each month. I requested they did not call me repeatedly any more until the mortgage was assessed a late fee or actually reported to the credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

Santander opened an account in My name and reported it to the credit bureau, I never opened an account with them. I have never heard of them and there is no way they have any photo ID such as a drivers licence or other legal document that would be required to open such an account. This was opened in fraud, or they are committing fraud, but needs to be closed and reported as such.
Product: Credit reporting or other personal consumer reports

Bank accusing me of owing them for having system discrepancies which had absolutely nothing to do with me. I did a transfer back in XX/XX/2022. My bank statement from XXXX XXXX shows the instant transfers to the checking account which I had at the time with XXXX XXXX XXXX XXXX debit card ending in XXXX. It shows the precise amount with cash app transfer fees and XXXX XXXX bank statement shows the amount received! This account was never over-drafted prior to the transfer but somehow immediately after the transfer became over-drafted which made no sense. This bank is accusing me of sending extra funds I never sent! My statement is PROOF of what I transferred over exact! This bank also knows they had system discrepancies as they admitted to me they did and for that credited my account majority of what they initially accused me of but still left a balance of {$80.00} because they still want money from me after crediting the account of over {$250.00} for their system discrepancy. I only withdrew exactly what I transferred over to the checking account, nothing more or less! My statement backs up my theory!
Product: Credit reporting or other personal consumer reports

This is my third 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. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I applied to refinance a loan through XXXX XXXX on or around XX/XX/2018 and I write this complaint today XX/XX/2018 over four months after my initial application to obtain a mortgage on an investment property that I own. Throughout this process. I have always had credit scores in the high 700 's to low 800 's. The LTV on  the subject property would be 70 % or less ( meaning I have plenty of equity ). Their appraisal was sent to me on XX/XX/XXXX which would support my statement. I have provided documentation that I have more than enough funds as reserves. I am employed as an XXXX XXXX XXXX XXXX XXXX of over 8 years and have provided documentation. They have been able to verify this. Throughout the process, their underwriters had many requests for me, I was able to provide documentation which satisfied their requests. After doing this, their underwriter 's requests would change and they would ask for more documentation which I provided which should have satisfied their requests. They would even verify that the documentation I provided satisfied their requests. Some of their underwriter 's requests seemed insignificant ( why did you only declare a {$1100.00} repair expense on an investment property you own when you provided receipts that show {$1400.00} in expenses. I explained that I gave the wrong amount to my accountant ) and even after I was able to prove everything out, their underwriters still say that the condition has not been cleared. Every time I satisfied their underwriter 's requests, they would then bring up new conditions or old conditions that were satisfied earlier. My DTE was under 50 % which they stated was their requirement. As time went by, they even raised my interest rate and I had to point it out before they would address it. There is no logical explanation on why we have not been able to close yet. Their own mortgage lender agrees with me that he can't really explain why over four months after I started the process with them that we are not closed yet.

I am a XXXX XXXX XXXX so I understand the process. In the 12 years, I have been an XXXX ( almost 9 as a XXXX XXXX ). I can legitimately argue this is the worst situation I have seen. I have documents to support all of my statements above. While I can not fully verify that discrimination had anything to do with my loan, I can confidently state that I am qualified based on the criteria I was given and that I have been given the run around for the last four months.
Product: Debt collection

I am really disappointed in the handling of my previous request to navy federal in the letter I sent them on XX/XX/20. I am requesting that the CFPB investigate this matter.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of account has violated my federally protected consumer rights to privacy and confidently under the 15 USC 1681. According to statue 1681A 2a1 of the fair credit reporting act, they are to exclude my transactions. This account ( s ) are in clear violation of my consumer rights by including these transactions. My payments are considered transactions. This is a defamation to my character. 

Law 15 USC 1681 Section 602A states I have the right to privacy.

Law 15 USC 1681 Section 604A section 2 states : It also states a consumer reporting agency can not furnish accounts without my written instructions.

Law 15 USC 1666B states : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was alerted by my identify theft alert program, XXXX XXXX XXXX that a Pentagon Federal Credit Union ( " PenFed '' ) loan for approximately {$1500.00} was taken out in my name on or about XX/XX/2022, with an address in XXXX associated with the account. I have never done any business with PenFed, I never authorized anyone to take out a loan in my name, and I have never been to XXXX I contacted PenFed after receiving that notification, told them it was fraudulent, and was given a PenFed XXXX Fraud Reference Number of XXXX. The PenFed rep said they would mail me an affidavit to submit to PenFed to flag the account as fraudulent and that I would not be on the hook for the fraudulent loan. I never received an affidavit. I called PenFed again about a month or two later and told them the same story again. This time I was promised that the identify theft department would investigate it but was not given a new Fraud Reference Number. Today, I received an alert from XXXX that PenFed reported this account as delinquent and it negatively affected my credit score by XXXX points. PenFed has not investigated this fraudulent account, has not frozen the account pending an investigation, and must contact the credit reporting agencies to alert them that I have no delinquent account with PenFed and that it was fraudulent.
Product: Credit reporting or other personal consumer reports

There were multiple inquiry 's listed on my credit report that i didn't initiate!! 

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

XX/XX/2019 someone applied for a credit card in my name which I found out from an alert from XXXX XXXX. I reported it to local police who filled out incident report. I faxed a copy of it to credit bureau twice-they told me fax was the only method they could process. Months went by and I heard nothing. I contacted them many times and finally someone told me after first submission that fax was illegible. I refaxed it and months went by again with no contact from Experian. I called again and they said they never received second fax. It remains on my record as a hard inquiry and its almost a year and a half later. I put alerts on my accounts with all three credit bureaus and social security. Can you please assist?
Product: Checking or savings account

Hi, Since there are fraud transaction since XX/XX/XXXX. I reported it on XX/XX/XXXX. 

It seems there's an error with the way HSBC bank refund the fraud money. 

According to the Consumer Liability section, if I fail to report within 60 days of receiving the statement, I may not be reimbursed for any losses incurred after that period. However, I reported the issue in XX/XX/XXXX, which should count back 60 days from then. This implies that HSBC should refund me for transactions from Mid XXXX to mid XXXX ( 60 days ). 


Unfortunately, HSBC calculated the XXXX period from XXXX, which is incorrect according to the bank policy. Following the policy correctly, I could potentially lose out on reimbursement for transactions in XXXX and early XXXX, but I should receive refunds from Mid-XXXX to XX/XX/XXXX. 

I'm open to resolving this by accepting reimbursement from MidXXXX XXXX to XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

AROUND XX/XX/2021, AFTER DOING AN ANNUAL CREDIT REPORT PULL. I NOTICED THERE WERE A LOT OF FRAUDULENT ACCOUNTS REPORTING ON TO MY CREDIT REPORT. WHICH ARE ILLEGAL TO REPORT INACCURATE INFORMATION. 

FRAUDULENT ACCOUNTS- XXXX  XXXX XXXX XXXX , XXXX XXXX XXXX XXXX FRAUDULENT HARD INQUIRIES : XXXX  XXXX XXXX XXXX, XXXX XXXX , XXXX  XXXX, FRAUDULENT HARD INQUIRIES : XXXX  XXXX  XXXX  , XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX , FRAUDULENT ACCOUNT-XXXX Collections-Unknown- XXXX XXXX FRAUDULENT HARD INQUIRIES : TRANSUNION : XXXX, XXXX XXXX  FRAUDULENT ACCOUNTS : TRANSUNION XXXX ACCT XXXX, XXXX XXXX  WE HAVE ATTEMPTED TO CONTACT THEM. HOWEVER, THEY CONTACT TO REPORT THE FRAUDULENT ACCOUNT TO ALL 3 CREDIT BUREAUS AS ACCURATE AND REFUSE TO GIVE US INFORMATION PROOFING THIS FACT. NOW THEY HAVE STOPPED RESPONDING TO OUR EMAILS COMPLETELY EVEN AFTER SPEAKING WITH 3 OF THEIR SUPERVISORS. 

WE HAVE FILLED OUT AN IDENTITY THEFT AND CFPB REPORT WHICH THEY HAVE IGNORED THAT ALONG WITH MULTIPLE FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609 WHICH ALLOWS US AS CONSUMERS TO REQUEST COPIES OF OUR OWN CREDIT REPORTS AND THE ASSOCIATED INFORMATION THAT APPEARS ON MY CREDIT REPORT. AS WELL AS PROVING THE FACT THAT THIS IS MY ACCOUNT. 

PLEASE REMOVE ACCOUNT IMMEDIATELY FROM MY CREDIT REPORT AS THIS IS A VIOLATION OF MY LEGAL RIGHTS. AS WELL AS FCRA LAWS INCLUDING AND NOT LIMITED TO SECTION 609,611 ( A ) ( 1 ) ( A ) AND FCRA U.S.C 161B
Product: Debt collection

I am disputing all inaccuracies on my credit report with Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The XXXX and Equifax Credit Reporting Agencies have not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. XXXX and Equifax have failed in properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized for my credit to be accessed. They have failed to provide me with the written authorization or remove these inquiries from my credit file. 

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

My credit scores appear to drop significantly by 50 points or more anytime I use a little bit of my available credit. I'm talking about less than 15 % of my available credit. For instance just recently I had a balance reported of {$2400.00} on one of my credit cards to the credit agency and my credit score dropped XXXX points. this is not the first time this has happened. It happened to me about four months ago on the same credit card when I temporarily used half of my credit available on that card for five days and then paid it off. My credit score dropped XXXX points and has never gotten back to anywhere close to where it was before. I pay my bills on time I pay my mortgage even in advance and I keep large balances in my checking and savings account but nothing seems to work with regard to keeping my credit scores up. Now my wife 's credit course never dropped significantly. She's on the same accounts that I'm on and her credit score may change by a point or two but never anywhere close to 10 or 15 points let alone XXXX plus points. The only significant difference between my wife and I is that I am XXXX XXXX and she is XXXX. We have been watching this trend for several years and thought well maybe it's just something going on with the credit agencies but I have tried everything and I'm frustrated with the continued dropping of my credit scores far below where they should be. There doesn't appear to be any system in place to help someone like me. I'm just tired of having to take it and having to pay higher interest rates because my scores are low. I need someone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous requests to XXXX, Equifax, and XXXX to remove the Collections account XXXXXXXX XXXX XXXX XXXX for {$4600.00}. I have also contacted the predatory collection company of XXXX XXXX  XXXX to let them know that this is not my account and explained to them why and then never responded. This is not my account and is a fraudulent account. In 2019 my Mail Box was broken into many times and sensitive information was stolen. When XXXX XXXX  XXXX sent me the validation of ownership the information was not mine. The physical address was not mine, the email address was not mine, the phone number is not mine, and the bank account where the money was deposited was not mine. I have attached the paperwork that they sent me that contains information that is not mine. This proves that it is a fraudulent account and needs to be removed from XXXX, Equifax and XXXX Credit Report ASAP as it is stopping me from refinancing my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX XXXX # 15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat payment on a credit card account under an open- end consumer credit plans as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

No payments were made between XXXX of XXXX to XXXX of XXXX Information reported on credit was incorrect, Reported that it was false and they haven't done anything about it. 
Ally Financial
Product: Credit card or prepaid card

I filed a dispute with XXXX that the products they sent were not of adequate quality and didn't match the website description. 

The response I got from Capitol One is to get a major clothing retailer to put on their letterhead their assessment of the quality of this clothing and the cost to correct the clothing. That is not possible. No retailer is going to put that on their letterhead, and there is no way I can get to anyone at one that has the authority for this.
Product: Credit reporting or other personal consumer reports

This reporting is illegal and your company is in clear violation of the law. Pursuant to 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; THE LAW CLEARLY STATES per 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report should not contain information solely as to transactions or experiences ( utilization and late payments ) between the consumer ( I ) and the person ( XXXX XXXX  ) making the report. 

Utilization is an experience with the line of credit that was extended between the consumer ( I ) and the person ( XXXX XXXX ) making the report. Payment history and the late payments associated with payment history negatively impacts my consumer report and are considered as part of my transactions and experiences between your company and I. 

XXXX XXXX, XXXX, Experian and XXXX ) HAVE VIOLATED THE FCRA 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) by reporting these transactions or experiences ( UTILIZATION AND LATE PAYMENTS ) on my consumer report which CONGRESS clearly states is NOT included on my CONSUMER REPORTS.