23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX and I, as a consumer, am making this complaint against Experian. This complaint is relating to the CHARGE OFF account from XXXX XXXX XXXX XXXX XXXX Experian has been inaccurately reporting information on my consumer report. Pursuant to 15 USC 1681 ( a ) ( XXXX ), the banking system is dependent upon my consumer report being fair and accurate. Not only is the information inaccurate, I was never notified when this information was furnished, and during your company 's initial investigation that this information would be reported. This grave error has undermined my confidence in Experian 's procedures. This unfortunate mishap has ruined my reputation and adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( XXXX ), Experian is a powerless elaborate mechanism. Also, Experian ASSUMED this role. Experian was never given express permission by me, the consumer, or a competent court of jurisdiction. So, not only did Experian fail in the initial investigation of this information, Experian ASSUMED this role and assumed this information was valid ; which is a violation of my consumer rights. Experian did not insure that this information being reported was accurate and did not exercise their grave responsibility with fairness and impartiality. Experian took one side of the story and never consulted with me to ascertain if this transaction even took place. My right to privacy has been breached and violated. ( SEE EXHIBIT A ). Congress has made it abundantly clear that a consumer report SHOULD NOT include transactions between the consumer and the person making the report. This is another violation of my federally protected rights. I was never given opportunity to deny this information being communicated on my consumer report. This is another blatant violation. Pursuant to 15 USC 1681a XXXX XXXX XXXX XXXX XXXX XXXX, any authorization or approval of a specific extension of credit of a credit card should be excluded from my consumer report. This alleged transaction that Experian clearly did not investigate is categorized as a transaction that was issued from a credit card ; credit card as defined under 15 USC 1602 XXXX XXXX XXXX. Definition attached and highlighted in EXHIBIT B. YOUR PROMPT RESPONSE IS BOTH REQUESTED AND APPRECIATED.
Product: Credit card or prepaid card

Signed up for CitiBank prepaid credit card, received the card. Tried to connect card to mobile wallet, they didnt send verification code. Called customer Service, and they advised that they would send a letter to my address. Tried to use card, and fraud alert prevented use. Called customer service, and they asked for a family member phone number, but said I am not connected to any of my family members, so they can not verify my information. I cant use my card whatsoever. My prepaid funds are trapped in a card I cant use, and customer service is no help at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting inaccurately on my credit file : Personal Information : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX The following accounts are showing Inaccurate Late reportings : XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX & XXXX  ) Bal : {$150.00} ; I was never late. 
Credit Central - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX   & XXXX ) ; Bal : XXXX ; I was never late. 
XXXX XXXX - Date Opened : XX/XX/XXXX ( TU ) ; XX/XX/XXXX ( XXXX & XXXX ) Bal : XXXX ; I was never late. 

Inaccurate Public Record Information : Chapter XXXX Bankruptcy - Filed XX/XX/XXXX ; Please remove unauthorized inquiries from my credit 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX XXXX XXXX ( 2 TIMES ) XXXX XXXX ( 2 TIMES ) XXXX XXXX   XXXX XXXX XXXX XXXX XXXX ( 3 TIMES ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i recently looked at a copy of my credit report and seen numerous inquiries on my credit report that I do not recognize or authorize please remove these unauthorized inquiries from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I signed up with SQUARE , INC payment processor about XXXX weeks ago to transact payment for my online Educational content that I sell. 
We were fully approved for the account within a day and we began to process payments. 
Everyday I would get reminders that I need to submit information more information about my business which I did time and time again. 
I received a notifications that I would receive the funds after XXXX days which never happened, and today I received a sudden notification that they terminated my account and they will hold all my funds for XXXX days. 
They are collecting interest on my liquidity and refusing to speak with me on the phone of via email. 
We have a legitimate business which has done over {>= $1,000,000} in volume in XXXX
Product: Checking or savings account

This bank has shown continuously they can not keep my money safe and the time they require to fix the issue is both unfair and unacceptable. Blocked my old card for security reasons and a merchant was still able to get a hold and charge of the new one ; and I have not even received it yet. They take no accountability, hung up and have given me the run arounds so much. Demanding over 60 days to resolve an error on their part. All calls to make it right has been futile. All questions as to how a merchant was able to charge a card I have yet to receive. I just want my money back in XXXX timely fashion. I do not have the luxury to wait for months for them to fix an issue they let get out of hand
Product: Credit reporting or other personal consumer reports

I did not provide authorization or consent for this inquiry, and I am concerned about the impact it may have on my credit score.

Under the Fair Credit Reporting Act ( FCRA ), only inquiries with proper authorization should be included in a consumers credit file. As I did not authorize this inquiry, I am requesting that you immediately remove it from my credit report.

Please provide written confirmation of the removal of this inquiry. If you require any additional information from me to complete this investigation, feel free to reach me at the contact information provided above.

Thank you for your prompt attention to this matter.
Product: Checking or savings account

ACCOUNT RESTRICTED ON XX/XX/2019, WENT INTO THE BRANCH AND RESOLVED IT ON XX/XX/2019. 

XX/XX/2019 ATM ACCESS RESTRICTED AND WENT INTO THE BRANCH TO ON XX/XX/2019 AND COMPLETED A PIN RESET TO RESOLVE IT XX/XX/2019 ONLINE ACCESS RESTRICTED, AND THE USELESS LOSS PREVENTION TEAM IN XXXX ASKING ME TO STEP INTO A BRANCH TO VERIFY MY IDENTITY AND RESET MY ONLINE ACCESS.
Product: Checking or savings account

I XXXX XXXX is a natural person who granted to Open a Deposit Account with the XXXX XXXX  on Behalf of Chime Financial. I was incompetent when entering this contract and come to find out about a Security interest that was granted by not knowing at the time created another account with interest. I granted them credits and been trying to transfers the conveyance of my principal and the company Chime Financial is not disclosing to me the rights of my security interest. I have proof in the disclosures that was inside of the Chime Financial app. I evoke my rights as the natural person who granted the credit of interest thats obligated to me. On XXXX XXXX XXXX disputes Unauthorized transactions to XXXX XXXX XXXX  who is a member of the FDIC on behalf Chime Financial and was denied twice of my Insurance rights. I sent in proof and time was waisted due to the company not providing remedies nor updates. 

This company has violated and are breaking the law 16 CFR Subsection 444.3
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX {$79.00} XXXX AR XXXX {$110.00} XXXX XXXX XXXX XXXX {$7300.00} XXXX XXXX XXXX XXXX {$5700.00} XXXX XXXX XXXX XXXX {$2700.00} XXXX AR XXXX {$390.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXXBANKRUPTCY DISCHARGED XXXX {$0.00}
Product: Credit card

Macy 's and DSNB AMERICAN EXPRESS issued me a card. This was a single card. The card was used without my knowledge or permission. This was a card that had no activity for years then in two months was maxed out. The company never notified me while it 's sudden use started or took notice some charges were not even in my city. Now, even though it 's XXXX card, XXXX credit deliqencys exist. I have repeated told them it was not me and disputed charges.
Product: Debt collection

XXXX I am writing to inform you of a possible error in my credit report and request that you provide me with verifiable proof or delete the record immediately as afforded to me by the Fair Credit Reporting Act, Section 609 ( A ) ( 1 ) ( a ). 
Account Name : Lvnv Funding LLc
Product: Credit reporting, credit repair services, or other personal consumer reports

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. 

I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX and XXXXXXXX XXXX XXXXXXXX have 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 an account without my written instructions.
Product: Debt collection

I received a notice from a debt collection agency in regards to a fraudulent debt thet was incurred in my name after verifiable identity theft. I followed the instructions in the notice to dispute the debt and about a month later the debt was added to my transunion credit report. I called for clarification and was told they received my dispute, and did not want to see my comprehensive police reports regarding the fraud because they had to do their own investigation. in the meantime, the collections notice could not be removed from my credit until their investigation was complete. I was informed then that it could take up to 45 days and I should be notified via mail. Following that maddening phone call, I received a second collections notice promising lack of payment would lead to serious legal action. the lack of consideration to the evidence along with the lack of finess, compassion, or diplomacy is the heart of why i feel this report is necessary. i can provide further proofs and date stamped communication if anything more is needed.
Product: Consumer Loan

My loan is through conns. They do not send out statements advising me of my balance. Their online websites does not show me a history of my payments nor does it show me what my current balance is. Customer service states that they do not send statements. Keeping track of what is owed on this loan is very difficult and I have gotten mixed information from the store before which has caused me to be responsible for a finance fee. There is no transparency with the balance of the loan or payments made though there site and I have lost faith in popping into a store to get accurate information.
Product: Credit reporting or other personal consumer reports

I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section XXXX, unauthorized inquiries do not meet the requirements for permissible purposes. 
Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed. 
Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft. 
Additional Legal Support : Cases such as XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX, XXXX ( XXXX ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im disputing the following accounts due to the fact that the accounts are fraudulent and does not belong to me. My identity was compromised and put on the dark web. And this has affected my credit files greatly. I'm demanding the immediate removal of these unauthorized accounts. 

1. XXXX XXXX XXXX XXXXe 2. XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX 7. XXXX XXXX {$3.00} 8. XXXX XXXX {$110.00} 9. XXXX XXXX {$280.00} 10. XXXX XXXX XXXX {$3.00} 11. XXXX XXXX XXXX {$16000.00}
Product: Debt collection

I was attending XXXX XXXX XXXX with a personal trainer cause me to get tendentious in my elbow because they had me lifting XXXX weight and i should of started at XXXX and worked my way up. my doctor told me they didn't know what there doing because is shouldn't of gotten tendentious that still occasionally hurts to this day. I told them i wanted to end the member ship due to me getting injured and the company person told me no.
Product: Credit card

My wife and I opened a Chase Freedom account. When we made our first payment we had a typo in the account/routing number. After we corrected the info, every time we make a payment the payment is put on hold. We never make late payments and all of our payments are way above minimum $ XXXX- {$500.00} every time ) They have no problem taking our money but when we need the funds we just paid them ... now we have to wait for the to be removed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX
Product: Credit card or prepaid card

XXXX 2020. {$9.00} XX/XX/2020 {$9.00} XX/XX/2020 {$15.00} XX/XX/2020 {$24.00} XX/XX/2020 {$23.00} XX/XX/2020 {$23.00} XX/XX/2020 {$34.00} I called often to find out status at one point was told it was on a desk. No investigation assigned. It has been 80 days and today they denied it. Supervisor did not answer so I could find out why.
Product: Mortgage

After a job loss, we applied for a loan modification XX/XX/XXXX. After several months of providing the same info repeatedly, it was finally approved XX/XX/XXXX. Although all payments since then have been timely, every month since then, Ocwen notifies us that our payment is late. When they call to ask for the payment, I provide them with payment details. Then I 'm placed on hold and when the caller returns to the line, they tell me I 'm right. The payment was being held in " SUSPENSE '' which they will remove and apply to account. This happened EVERY SINGLE MONTH except once in XX/XX/XXXX. XX/XX/XXXX, Ocwen decided to try to withdraw my payment from my savings account even though I authorized payment through my checking. I provided proof that I had authorized checking, not savings and proof from my bank that Ocwen tried to withdraw from savings, not checking. This did not stop them from reporting the payment as being late to XXXX which has now caused me to have a drop in my credit rating. This, in turn, has caused my interest rate to be much higher on a recent car loan. I pay the upcoming month 's mortgage by the last Friday of every month. Most times, when I go on to their website, it wo n't allow me to pay the upcoming month because it 's falsely reporting the last month 's payment is late. When I speak to a rep to explain the problem, again, after they place me on hold, come back on and tell me I 'm correct, then tell me the website will be updated and will allow me to make the upcoming month 's payment. And I try again, and it fails again. SO I call them back and they want to charge me $ $ $ to accept a payment over the phone. 
I 've spoken with Ocwen reps repeatedly. Every time I 'm told they have flagged my account and that the 'suspense ' will be removed but it continues to happen every month. They 're reporting me as being late to credit bureaus which is having an adverse affect on me which is completely unwarranted. They harass us, by leaving handwritten notes on our door, repeatedly calling us at home, cell and at work. The most frustrating part is that we are NOT LATE on our payments! If there were any way to refinance with another company, we would 've done it. But we 're stuck because they 're falsely reporting our payments are late.This is the worst company I 've ever dealt with - We need help!
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of a fraudulent account and associated inquiries from my credit report. As a victim of identity theft following a data breach, I am asserting my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) for the removal of these unauthorized entries. 
Please find the details of the fraudulent account below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Recently I looked at a copy of my credit report and noticed several fraudulent accounts. I feel that these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. 

Here are the items I am asking you to verify as accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  After your investigation is complete, please send me the results via mail.
Product: Mortgage

I closed on a refinance with SoFi in XX/XX/2020. As part of the refinance, I prepaid a total of {$6400.00} for taxes for 2020, which was to be escrowed until taxes were due, and in turn paid. 

I have come to find out that I am entering delinquency for property and municipal district taxes, and only the taxes to the school district have been paid. 

I have made multiple attempts to resolve with SoFi, to no avail. 

I get a different response from each person I speak to - ranging from being told that I am responsible for 2020 taxes and no one being able to answer where the taxes I prepaid went to, to being told to contact my SoFi loan officer, who is completely unresponsive at this point.
Product: Mortgage

I called my Mortgage servicer Academy Mortgage on XX/XX/XXXX to make my monthly payment and I was told they will not accept my payment because I had been delinquent for five months. I was told I had not paid my mortgage since XX/XX/2019 because they had no record of it. I Told them I had made timely payments from XXXX till XXXX and had proof which I later faxed to them. This is XXXX and there is still no resolution. I called them today XX/XX/XXXX th to find out whether this has been resolved and I was told that I will hear from them on XX/XX/XXXX which is the day their research for my payment will end.. In the mean time they are reporting my credit negative and they refuse to take any mortgage payment from me.
Product: Mortgage

I was financially impacted by COVID-19 and had trouble making mortgage payments. My mortgage servicer, Homepoint Financial, offered a forebearance and a subsequent HUD backed Partial Claim which deferred missed payments to the maturity of my mortgage.

Homepoint sent me the partial claim documents to get sign and get notarized. The first set of documents were inaccurate and included a former lien holder. The second set of documents were signed and notarized and sent back Homepoint. Homepoint rejected the documents because the notary seal was on the left side of the page instead of the right. Homepoint sent me a third set of documents and I returned those as well. Homepoint rejected these documents and stated the state of Indiana was crossed out without initialing by notary. As an attorney, I requested the notary to initial and he did. Homepoint will not provide customers copies of the mortgage documents they provided.
Product: Payday loan, title loan, or personal loan

I purchased a set of tires and had them installed on XX/XX/2023 at the XXXX XXXX, XXXX XXXX location. I also purchased an oil change. I used Affirm to pay for the majority of the tires. I then see a similar loan for {$420.00} set of tires for XXXX XXXX, XXXX, XXXX, XXXX location. I have disputed this with both Affirm & XXXX. XXXX can not produce any proof of me picking up the tires although they claim i did. Also they couldnt provide any XXXX XXXX on it. At this point if i dont pay for the false loan my credit rating will suffer. What other recourses do I have?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CO XXXX  XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX/XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX and XX/XX/XXXX andXX/XX/XXXX XXXX/XXXXXX/XX/XXXXXXXX sent disputes to credit Bureus. These companies are all frauds, they tempt you saying low credit approved but decline after pulling hard inquiry.
i even called them and there is no proper person to speak with and i end up getting ignored and agitated.