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

After reviewing my credit report I continue to notice unauthorized accounts I gave no consent to be furnished. I've demanded the accounts be removed immediately, but Experian continues to do false investigations. I've requested full file disclosure per my rights as a consumer. I only get a generic response that the accounts have been verified without insuring the information is accurate. This grave error has undermined my confidence in Experian 's procedures, and as a result of this I will no longer be extending credit and if the information is not removed I no longer want my information reported in your companies database. Pursuant to 15 USC 1681 ( a ) ( 2 )- Experian is a powerless elaborate mechanism. This mishap that your company caused has ruined my reputation, and it adversely affected my credit worthiness. Pursuant to 15 USC 1681 ( a ) ( 3 ) - Your company assumed this role. You were not given permission by me, the consumer or a competent court of jurisdiction. So, not only did you fail in the initial investigation of this information. You also assumed this role and assumed this information was valid which is a violation of my consumer rights. Pursuant to XXXX XXXX XXXX ( a ) ( XXXX ) - you did not insure the information was accurate, and you did not exercise your grave responsibility with fairness and impartiality. You took one side of the story and never consulted with me to find out if these transactions even took place.Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) - Congress makes it clear that a consumer report should NOT include transactions between the consumer and the person making the report. The alleged transactions that you are reporting, and failed to investigate whether or not it factually took place between the consumer and the person making the report which means it should not be included in my consumer report, and in fact is a violation of my consumer rights. Pursuant to 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ) - In your initial investigation I ws never given the opportunity to deny this information being communicated on my consumer report. This in fact is another violation. Pursuant to 15 USC 1681a ( B ) - Any authorization of a specific extension of credit of a credit card or similar device should be excluded from my consumer report. These alleged transactions 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 ( I ) as any card, plate, coupon book, or other credit device existing for the purpose of obtaining money, property, labor, or services on credit.
Product: Credit reporting or other personal consumer reports

I have disputed child support from XXXX, XXXX and Experian about two times. The account keeps coming back verified and updated. I consulted with a FCRA attorney and was given some advice and info on consumer laws. I contacted the courts and was told they don't verify accounts to bureaus? How did this account come back verified multiple times? This account is not 100 % accurate and should be deleted. according to 15 USC reporting info on overdue child support. These accounts statue of limitations have passed 20 years ago. For one All of my kids are in their XXXX 's I'm almost XXXX.
Product: Credit reporting or other personal consumer reports

This is my other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I was dating my boyfriend for 15 years. I am a victim of XXXX  XXXX and Identity Theft because my ex boyfriend recorded me and allowed hundreds of people have access to these recordings and my cell phone calls were routed to his aqaintances. As a direct result of that, a few of them STOLD my identity and took out auto loans house loans possibly credit cards and cell phones and utilities that absolutely does not belong to me. 
I have been to the state police several times regarding this issue and they will not refer me to anyone. They say they dont scan phones or hAndle those types of matters ... ..I have called creditors and disputed transactions that I never signed for and its still not off my credit report there are several items on there that dont belong to me.
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 Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name : XXXX  Account Name : XXXX Account Name : PFS Account Name : XXXX Account Name : XXXX XXXXXXXX Account Name : XXXX and 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: Checking or savings account

I opened an account online with Citibank on XX/XX/2018 after the account was approved the same day they gave me my account and routing number so I changed my direct deposit with my employer. The day before I was to be paid which was XX/XX/2018 I received a letter from Citibank stating that they would be closing my account in 10 business days. I called Citibank and asked why the account was being closed they indicated that they didn't know but it was being closed by the fraud unit. I repeatedly asked to speak with someone who could provide me with more details as I had contacted my employer and been informed that the funds sent to Citi by my employer could not be reversed and Citibank would have to release them to me. I asked every representative that I have spoken with since the XX/XX/XXXX if they could advise on how I could get my funds as the account would not be closed for 10 business days, I was repeatedly told by Citi 's employees that a check would be mailed but nobody had an exact date. I was first told on the 10th business day, then it was 5-7 days, then 30 now as of today at XXXX CST they are stating it could take up to 90 days. I informed them that I am the only person in my home who is employed and that myself, wife and XXXX kids need these funds. I have been instructed to go into a branch but there are no branches in my state. I simply would like my funds to given to me and it shouldn't take 90 days as the Expedited Funds Act of 1987 prohibits banks from holding funds on new accounts past 90 days. I am extremely disappointed that no mater how many times I call I am told that the person I am speaking with doesn't handle this matter and that the department that does, does not have a phone number where they can be reached. I have also been hung up on by 3 representatives from Citibank. Most recently about 7 minutes ago which would've been XXXX This is ridiculous, how am I to resolve this matter if no one I've spoken with handles the matter and the department that does, doesn't have a phone internally or externally where they can be reached? I have spoken with Customer Service, New Accounts, New Accounts Fraud, Fraud, Loss prevention and customer relations and no has helped or provided me with concrete information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has constantly and willfully prevented me from submitting disputes on in accurate information on my credit report. Every time I go to submit one on any account now I get a submission failed and to call them. But when I do I can never reach a live person as I'm always disconnected shortly beforehand etc.
Product: Mortgage

Working with Quicken Loans to refinance our home and pull some of the equity out to pay off credit card debt. This house was originally bought by my partner, solely in his name, but during the refi, we were going to add me to the mortgage. We were told this would be no problem. Quicken represents themselves as a " no hassle '' mortgage company, however, in their haste to have people sign documents and upload them directly to their app, they have forgotten one very important piece : information. Not once was any of the documents they asked us to sign explained to us and when I called the broker whom we originally began working with, he told us to call the customer care team. The customer care team, of course, knowing nothing of our situation ( or having any basic customer service skills ) could not explain what the documents meant and we were told just to sign them because it would hold up closing otherwise. 

We were supposed to close on Monday, XX/XX/2019. They asked my partner if it would be okay to run his credit again since it would be " expired '' prior to the closing date. He gave permission. In adding me to the loan, they had already run my credit within the previous 2 weeks. I got an alert that they had also run my credit again. I did not give permission for them to do that, nor would I have, knowing that a hard inquiry would lower my score. I addressed this with the broker, who said she didn't mean for the credit team to run mine as well and she was sorry. Sorry that her mistake has now effectively lowered my credit score? That is not a mistake that you can just take back. It lowered my score 10 points because of the back-to-back inquiries! Yes, I can dispute it with the credit card companies, but why am I left holding the burden of time and energy spent to do that when Quicken made the mistake? Isn't it unlawful to run someone's credit without their permission or knowledge? ( They did this on XX/XX/19 ) If only that were the primary issue. Absolute lack of knowledge, communication, consumer education, and ethics plague this company. Needless to say, we terminated business with them and are no longer refinancing through them. We are out our {$500.00} appraisal/good faith money, have damaged credit scores, and nothing to show for it. 

I have correspondence with the broker, who fully admits that she did not intend to have her 'credit team ' run my credit again. This is illegal and unethical and I intend to seek every avenue possible to make sure this doesn't happen to any body else.
Product: Credit reporting or other personal consumer reports

A billing and reporting error from my bank has unfairly damaged my credit. Under TILA ( 15 U.S. Code 1666 ( b ) ), creditors must report payments accurately, yet a payment I made was not properly recorded, leading to an incorrect late mark on my report. Additionally, I was not given the required XXXX notice before the payment was due, making the late mark invalid. This inaccuracy violates federal law and is unjustly affecting my credit standing.
Product: Debt collection

I was a tenenent at XXXX XXXX. They rented me a new apartment to me at another location. I was supposed to move in to unit XXXX at my new building but it was not ready so I was asked to take unit XXXX. 

For months after i had been emailing management at XXXX XXXX about my security deposit and received no correspondence with my security deposit for months. 

Landlord tenant law in CA provides 21 days for the landlord to provide final reconciliation or return deposit. I received nothing for months. 

I moved out XX/XX/XXXX and received a bill sometime in XXXX or XXXX of XXXX and i was informed they had beej sending mail to the unit i was supposed to take and they never updated their system. I made many attempts to contact management but they refuse to return my calls. 

Then I received a notification that a collection agency was niw reporting as debt on my credit report. They reported the address inaccurately and i was not given anytime to understand anything about this so called debt because management had an unwillingness to communicate and they provided an incorrect address to the debt collector.
Product: Prepaid card

As compensation for a program in which I participated in XXXX of XXXX, I received two prepaid cards from " Prepaid Digital Solutions '' for {$590.00} each. I tried to use the cards, but wasn't able to charge purchases to it. Before trying again, I contacted " Prepaid Digital Solutions '' to confirm the balance. They told me the card numbers are expired. I asked them to reissue the card numbers but they refused and told me the balance on the cards is forfeited. I was not aware that a prepaid credit card can have an expiration date, let alone one that is so short ; else I would have tried harder to get it to work it before that date.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with XXXX XXXX, its reporting 16 missed /late payments. I pay each car payment every month. I have not been 30-90 days reporting. I have been calling and talking to different reps, no one seems to want to help with this. I cant buy a home with 16 late /missed payments. I even called to pay whatever fees. XXXX  XXXX sold me a car for XXXX. But only will buy back for XXXX and only had the vehicle for almost 2 years. It had problems a week after I got the vehicle which caused XXXX XXXX to get me a rental. I been dealing with a lot with this company. I just want the remarks removed
Product: Credit reporting or other personal consumer reports

My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my consumer reports effective immediately. I am attaching proof that Equifax has admitted I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts, inquiries and personal information from my consumer reports.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX I am writing to formally dispute the fraudulent accounts that have been opened in my name as a result of a recent data breach. These accounts were fraudulently opened without my authorization, and I am requesting that they be deleted and blocked from my credit report immediately pursuant to 15 U.S.C. 1681c-2 ( a ). 
As part of my case, I have filed a report with the Federal Trade Commission ( FTC ). The report number is XXXX. The fraudulent accounts I would like removed and blocked from my credit file are as follows Credit Card Opened by the Thief Company or Organization : XX/XX/XXXXAccount Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$520.00} Credit Card Opened by the Thief Company or Organization :XX/XX/XXXXAccount Number : XXXX Date Fraud Began : XX/XX/XXXX Date Discovered : XX/XX/XXXX Total Fraudulent Amount : {$500.00} Under the Fair Credit Reporting Act, I am entitled to have all information related to these accounts blocked and removed from my credit file once I have submitted the required documentation. For your convenience, I have enclosed the following supporting documents : A copy of my government-issued identification ( drivers license AND SSN CARD ) A copy of a utility bill or bank statement showing my current address. 
A copy of the FTC Identity Theft Report ( Report # XXXX ). 
DATA BREACH ENGAGEMENT NUMBER XXXX PROOF AND IMAGES
Product: Credit reporting, credit repair services, or other personal consumer reports

Based on, 15 U.S. Code 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete items as soon as possible!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!!

Under. 15 U.S. Code 1681b-permissible purposes of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer under the following circumstances and no other : ( 2 ) In the accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything of my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living being, i have rights under 15 USC 1681 Equifax is govern by 15 USC 1681. And they violated my rights numerous times. I demand the accounts listed be removed.

According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts.

15 U.S. Code 1681- Congressional findings and statement of purpose : ( a ) Accuracy and fairness of credit reporting ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

In accordance with the Fair Credit Report Act these accounts below have violated my rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 a account without my written instructions.

15 U.S. Code 1681a - Definitions ; rules of construction - Exclusions.-Except as provided in paragraph the term " consumer report '' does not include-any report containing information solely as to transactions or experiences between the consumer and the person making the report.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an Q 8 open end consumer credit plan as late for purpose.
Product: Mortgage

We had a home equity line of credit with Capital One bank for 10 years. We paid our monthly required interest payment each month never late. Our loan came up for maturity XX/XX/2016 and they sent notice of denial due to income drop. They demanded payment in full and threatened foreclosure. My husband and I had many phone conversations with XXXX and they walked us through the process of exploring all other options. We were told we could not make any payments during this refinance process as our original loan was frozen/inactive. The process took them a little over four months in which time we had no idea they were destroying our credit history by flagging our account delinquent! By the time we received our 2nd threat of foreclosure and decided to look for lending elsewhere our credit score was not acceptable to the other lenders. Capital One did finally refinance the loan but are charging us a very unfair 7.5 % interest rate. I find it hard to believe they deny us only to turn around and approve. Everyone I speak to can not believe this actually happened and that it was legal. This is why we are asking for full review of the process taken and help us restore our almost XXXX credit score prior to this unbelievable chain of events.
Product: Credit reporting or other personal consumer reports

Creditor : XXXX  Account Number : XXXX I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary.

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I am writing to address a significant concern regarding the security interest/instrument I tendered to Achieve and the circumstances surrounding it.

Pursuant to the regulations outlined in Billing Error Resolution 12 CFR 1026.13, 12 USC 411, 15 USC 1602 ( H ) ( j ), 15 USC 1635 ( h ), and 15 USC 1692 ( h ), I request that this matter be thoroughly investigated and resolved.Description of Billing Error : Upon reviewing the terms of the agreement and my recent interactions with Achieve, I have become deeply concerned about potential securities fraud and irregularities in the handling of my account.Specifically, I was asked by Achieve to personally guarantee the application for services, which I believe constitutes securities fraud. Additionally, I have reason to believe that the security interest/instrument I tendered to Achieve is being used in a manner that violates my rights as a consumer
Product: Student loan

I recently decided to refinance my federal student loans. On XX/XX/19 FedLoan Servicing received a payoff amount of {$32000.00} from XXXX ( a third party refinancing service ). After receiving this payoff, FedLoan Servicing wiped all history of my payments made though the entire life of my loan. I can not access any payment history through my account. This is very concerning to me. I need access to my payment history for financial records as well as tax information.