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

My experian account appears to be hacked. I have tried to log in and it does not recognize my information. When I try to recover my username it is sending information to an email address that is not mine. When I call to try and fix this, there is no way to speak to a person. They say they can not connect to an agent and direct me to the website. Which I can not access because they have a hacker email and not mine. They refuse to have a phone number in which you can connect to a person unless you are a business client.
Product: Mortgage

I used the forbearance offer by my mortgage lender. I am trying to pay for it so I won't lose my home. I'm in the 3 month trial period of ending my forbearance. 1st it took forever to get a hold of anyone to end it. 2nd, when I finally did, took 1 week to get a hold of anyone to pay my 1st payment. 3rd Now I'm trying to pay my 2nd payment and been on hold for 3 hours waiting for someone to answer. XXXX 's aim is to take my house. They said paying online or by mail is not an option during the trial period. Don't know what else to do, I'm a XXXX  now and don't have time to sit around and spend all day trying to pay my mortgage.
Product: Vehicle loan or lease

I am currently leasing a XXXXXXXX XXXX 

I was charged fees that were not justified or warranted. 

I complained to Hyundai Capital Motors and was denied relief. 

The Hyundai Capital Motors lease contract has an arbitration section for settling disputes.

I have submitted a demand for arbitration eight weeks ago and I have not received any response, They are ignoring their own contract.. 

They should pay their part of the Arbitration Fee and go forward with my demand. 

By not responding they are forcing the closure of my claim. That is not just or fair or in accordance with their own lease contract.
Product: Prepaid card

I opened n unemployment clame in XXXX XXXX told the person who opened it I needed a card never got it I call back in XXXX XXXX wondering why I never got it they issued another never got it then I call XX/XX/2024 still wondering why 3 times NEVER NOcard. I'm thinking about sueing because my child and my self lost our home or car lost everything because this company has failed to be sure I got a card the first line been waiting since XXXX XXXX till current XX/XX/2024 for unemployment money
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried many times to disputes this bankruptcy and accounts that are on my credit, I filed a complaint in XXXX because I hadn't received any responses from Experian that they claimed they had sent. They also claim to have verified the XXXX through another company which can not be accurate because my 3rd parties, such as XXXX are all frozen.
Product: Credit reporting or other personal consumer reports

I sent an administrative process to XXXX  the loan servicer for XXXX XXXX XXXX XXXX letting them know that they have unlawfully and inaccurately reported information to third party companies known as EXPERIAN, XXXX, and XXXX which have ALL hindered me from better interests rates on other products and jobs. Please see the consumer protection laws that I am including in this letter to justify my case. Also please review my documents of XXXX has agreed to remove from ALL credit reporting agencies but NAVIENT HAS NOT. THERE ARE CIVIL PENALTIES THAT I CAN APPLY FOR NON-COMPLIANCE. 15 U.S. Code 1681n - Civil liability for willful noncompliance Per the Fair Credit Reporting Act ( 15 USC 1681 ), section 602 ( a ), it underscores the imperative to ensure that consumer reporting agencies carry out their crucial responsibilities with fairness, impartiality, and a commitment to the consumer 's right to privacy. As a consumer, I affirm my entitlement to safeguard my private information, a right fortified by 15 USC 6801, which enunciates Congress 's directive that financial institutions must actively and consistently uphold customer privacy. 

The term " Furnisher of information to credit agencies '' encompasses financial institutions under this title. In line with 15 USC 1681, section 604 ( a ) ( 2 ), a consumer reporting agency can only furnish a consumer report upon the written instructions of the concerned consumer. I explicitly deny consent to XXXX, Experian, and any furnisher of information to credit agencies, revoking any previous consent, whether verbal, non-verbal, written, implied, or otherwise. 

Referring to 15 USC 6802 ( b ) ( c ), a financial institution is barred from disclosing nonpublic personal information to a nonaffiliated third party without elucidating how the consumer can exercise the nondisclosure option. The furnisher of information to credit agencies failed to apprise me of my right to exercise this option.

Additionally, as per 15 USC 1681C ( a ) ( 5 ), a consumer reporting agency is prohibited from including adverse information in a consumer report without authorization. The inclusion of adverse information without my permission constitutes a violation of the law. Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) A mandates that no person shall furnish inaccurate information to a consumer reporting agency. XXXX and Experian are falling short in adhering to reasonable procedures, as stipulated by 15 U.S. Code 1681e.

Finally, according to 12 CFR 1016.7, a consumer possesses the right to opt out of reporting services at any time. I am exercising my prerogative to opt out of your reporting services. { EXPERIAN, XXXX, XXXXXXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, and XXXX XXXX XXXX XXXX PLEASE REMOVE XXXX and XXXX XXXX XXXX XXXX from ALL CREDIT REPORTING AGENCIES and the {$130000.00} balance as they have agreed from my credit reports immediately please. It is harmful, unlawful, and inaccurate. SEE attachment of communication.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reporting on my personal credit file and were found in my reports with Experian, XXXX and XXXX credit reporting agency. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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 XXXXXXXX Balance Owed : {$85.00} ; XXXX XXXX XXXX Balance Owed XXXX {$19000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX  XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Case # : XXXX Merchant : XXXX XXXX XXXX XXXX ( XXXX ) Date of Transaction : XX/XX/2020 Amount : {$820.00} I was notified on XX/XX/2020 by the airline that the flights were cancelled, and no alternatives were available ( see enclosed email ). On XX/XX/2020 I emailed the merchant as their phone line and online chat features said that due to COVID they could only assist with new bookings. In it I informed them that the airline had cancelled the flight and asked for a refund. 

Previous to all of this Fareboom ( the merchant ) sent an email on XX/XX/XXXX stating that a cancelled flight would result in a full refund ( also see attached ). 
It wasnt until after I submitted my dispute on XX/XX/2020, 10 days after my flight was cancelled ( and well past the 7 days that the DOT says refunds due to cancellation must be processed ) that I got any correspondence from XXXX. It was a generic email trying to get me to take a travel waiver, which at this point I think we all agree I was entitled to a full refund so a moot point. 

As it stands, my trip is still in a pending status and I have no tickets due to the flight being cancelled and I also have no vouchers to use. I also have attached a chat transcript where they admit I am due a refund but are holding it hostage for a {$100.00} per passenger fee because I disputed the charge due to them fraudulently trying to keep my funds and ignoring any requests to handle it before it was brought to CapitalOne. 

Disputing this charge with CapitalOne has resulted in no satisfaction. Despite now having nothing for the almost {$1000.00} I was charged. No tickets, no vouchers, and a merchant 100 % unwilling to assist. If that isn't a charge worth disputing, I don't know what is.
Product: Credit reporting or other personal consumer reports

Mohela began double reporting my student loan to the credit bureau ( at least XXXX ) in XX/XX/year>. It has tanked my credit. I have proof that what they've reported is inaccurate ( previous credit reports, statements and information from the Department of Education ) that can confirm it is being double reported.
Product: Credit reporting or other personal consumer reports

[ XXXX XXXX XXXX ] [ XXXX XXXX XXXX XXXX [ XXXX TX XXXX ] [ Date ] XXXX XXXX XXXX XXXX XXXX, TX XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX Dear Sir or Madam, I am writing to dispute the following information in my credit report. The items I dispute are also circled on the attached copy of the report I received. 

Account Name : XXXX XXXX XXXX XXXX XXXX Reason for Dispute : Not my account. 


I request that these items be deleted ( or corrected ) to reflect accurate information. Enclosed are copies of documents supporting my position. 

Please investigate these matters and delete or correct the disputed information as required under the Fair Credit Reporting Act. Please also send me an updated copy of my report once the investigation is complete. 

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

The unverified items below continue reporting on my credit report despite several written requests, violating federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this situation can be settled quickly. 
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: Mortgage

Chase Bank did not pay my homeowner 's insurance policy from XXXX which was due by XXXX XXXX, XXXX. I have an impound account with Chase Bank and Chase collects my money every month in order to pay my taxes and insurance on my behalf. The impound account was mandatory and I did not have a choice to not have the impound account. 
My insurance is with XXXX and the amount for that year of coverage was {$710.00}. Because Chase did not pay the bill from my impound account, the policy was cancelled. XXXX mailed Chase the renewal invoice on several occasions but never received payment. 
Chase put a forced placed policy and charged me over {$3000.00} for coverage beginning XXXX XXXX XXXX through XXXX XXXX, XXXX. Had I not called in to ask why my payment has gone up so drastically over the past year and a half, I would never have learned that they did not pay my insurance but rather paid their own insurance at a rate of 4 times higher than my policy. 
I have spent weeks trying to resolve this with Chase. The supervisor, XXXX XXXX, is very rude and denies any liability. He claims he will not authorize a refund. 
My payment has become too high for me to afford. I know there is foul play going on with this force placed policy and I request CFPB investigate this matter on my behalf.
Product: Credit reporting

There is an address listed on my credit report that I have never lived at. The address is XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. I do not know whete this address came from but it is over XXXX miles away from me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Old accounts that have been settled still show as collection
Product: Credit reporting, credit repair services, or other personal consumer reports

This account don't belong ro me
Product: Credit reporting or other personal consumer reports

I sent a letter onto remove items that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items or information not later than 4 business days. Ive already included this in my previous Complaint & I am including it again., XXXXXXXX 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 card

Amex rejected my dispute within minutes claiming " they gathered documentation proving the charge is valid ''. This is impossible because the charge is NOT valid ( I provided the relevant documentation showing it ) and they could not possibly contact the merchant and receive documentation within less than 10 minutes as they claim. They also failed to provide a copy of this so-called documentation.

Amex also keeps rebilling me for fraudulent charges based upon fraudulent documentation coming from a foreign country. Furthermore, they have never provided a copy of the fraudulent documents they claim to hold as they are legally required to do.

Two different cards are involved now.
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 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXXXXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 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 years.

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: Debt collection

This agency which has less than a stellar reputation on the internet is calling me from unavailable numbers. This scam related agency decides to initiate phones calls without any disclosure verification of any debt via the US mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint due to Equifax not responding to my request to have credit inquires removed due to them not being authorized inquires. I did not authorized numerous inquries that are showing on my credit report and I have disputed them numerous times via phone and mail. I get the same generated response a few days later. Which further tells me that they have not verified these inquires and keep sending me a generic response. I have just submitted another dispute and if this CFPB complaint does not work, I will be contacting the Attorney General for further assistance. FCRA states that the only permissible purpose for pulling someones credit is for a firm offer of credit, insurance, employment or court order.   The inquires are as follows :  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

Hello, my name is XXXX XXXX, I am a victim of identity theft. According to US Code Title 15 - Commerce and Trade, Chapter 41- Consumer Credit Protection - Subchapter III - Credit Reporting Agencies . You are required to remove this information from my credit report within 4 days. If this information is not removed, I will escalate this to the Federal Trade Commission. See attached US CODE : Also under US Code : 15 U.S.C. 1681i ( 2021 ) : Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. 


This code was not met as well, please have each reseller provide proof of receipt or these items MUST be removed immediately. Original dispute did not meet FCRA and US CODE Title 15 U.S.C. 1681i rule for timeline. 

XXXX Complaint ID : XXXX Equifax Complaint ID : XXXX By LAW and the Fair Credit Reporting Act, these items must be removed from my credit file. I need this fraudulent information removed from my credit report within 4 business days. ADDITIONALLY, original complaint IDs were not responded to in accordance to US CODE and the FCRA timeframe. 


FRAUDULENT ACCOUNT : 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 sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX XXXX XXXX, MI XXXX DEPT OF EDXXXXXXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF ED/XXXX  XXXX Balance XXXX {$0.00} DEPT OF EDXXXX XXXX Balance : {$0.00} DEPT OF EDXXXX XXXX Balance XXXX {$0.00} DEPT OF ED/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : - XXXX  XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX XXXX Balance : XXXX STATE OF MI OFFICE CHI XXXX Balance : - XXXX XXXX XXXX XXXX XXXX Balance XXXX - XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX  Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - TXXXX XXXXXXXX Balance : - Bankruptcy XXXX XXXXdismissed XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXX-dismissed XXXX Filed on XX/XX/XXXX Bankruptcy XXXX XXXXXXXXdischarged XXXX Filed on XX/XX/XXXX Bankruptcy cXXXX XXXXXXXXdischarged XXXX Filed on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX  XXXXXXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX Inquired on XXXX XXXX, XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX