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

EXPERIAN has consistently for the last XXXX  years inaccurately reported unverified false damaging information on my credit file. Any and all LEGAL and lawful proofs of claims as to any alleged debts have not only been UNVERIFIED by a source authorized to verify any such information BUT ALSO in addition all of my FEDERALLY PROTECTED RIGHTS AS A CONSUMER ARE CONSISTENTLY VIOLATED. The willful negligence and reckless reporting of false unverified " claims '' consistently are damaging myself, my integrity, financial stability and reputation. Every tendered security, which I have " issued '' to EXPERIAN has also not been properly reported to the Internal Revenue Service nor to the Security Exchange Commission which is securities fraud. PURSUANT to every CFR pertinent to federally protected consumers, EXPERIAN has and is continually violating. The company which " alleged '' a obligation has not nor can not provide any verified information proving any debt such as a contract, court order or the like, as it DOES NOT EXIST. EXPERIAN has never been given consent to put these things on my credit file by the only person with legal standing to authorize such reporting, myself. As of this date I have filed several registered complaints/submissions with the SEC concerning the securities fraud in addition to FINRA. Data from EXPERIANS XXXX and XXXX forms and The XXXX XXXX indicate EXPERIAN is also involved in " churning ''. XXXX years is quite a long time to accumulate evidence against any company willfully breaking/violating the federal law at the gross expense of others.
Product: Money transfer, virtual currency, or money service

Reported the following scam to Paypal. Have gotten my claim denied, am appealing but I should not have to waste my time and effort fighting Paypal when this person is a felon and known scammer. 

XX/XX/XXXX : Paid XXXX XXXX and XXXX XXXX ( XXXX XXXX, not a registered business ) for home repairs. 
XX/XX/XXXX : {$190.00} via paypal for replace faucet and shower head with valve change, install dishwasher which was never complete, make a bookcase door separating kids room from living room, fix XXXX flooring spots upstairs XX/XX/XXXX : {$120.00} via paypal to XXXX XXXX to fix tub wall XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. XXXX refunded, XXXX asked that I send as friends and family to XXXX via paypal XX/XX/XXXX : {$180.00} via paypal to XXXX XXXX to put tub wall back together and frame window. 
XX/XX/XXXX : {$50.00} for materials & picking up cabinet to put upstairs XX/XX/XXXX : {$50.00} moving cabinet XX/XX/XXXX : {$97.00} delivery of cabinet and p-trap accessories so he could finally finish the dishwasher. 
Total : {$690.00} The only thing that was completed was the faucet/showerhead install, everything else was left incomplete and unusable, whereas before at least everything was usable. 

I am prosecuting the person committing fraud, XXXX police report # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a fraud dispute to Experian in regards to a account by the name of XXXX XXXX XXXX The account is fraud and I provided Experian with a FTC report and police reports. 
On XX/XX/XXXX Experian allowed the company to place the account back on my credit.Experian failed to notify me of the fraud account was being added back and is required under the FCRA. 

I never was contacted by XXXX. I have tried to mail them my complaint and call. The phone is a joke to contact someone next to impossible and the reps who are answering barley speak English and do nothing to assist. They just inform you, that you dont have an account and they can look up anything by a account or social they want a phone number. I have gone round and round with them. 

I did not OPEN the XXXX account nor obtain goods or services from it. Im a victim of ID THEFT from a former friend roommate who used my info. 

Experian claims they got information the account is valid and not fraud, which is infact false. 

Under the FCRA I am asking and demanding to know what documention was used to verify this account? what where there methods and procedures used as well also want the contact nanme and phone information.

I submitted a FTC report updated, and a copy of a 2 page police report outlingin its fraud Companies and disagree with findings and not like the outcome because they are gon na lose out on profits. Experian also benefits by leaving the account as they are paid to have this listed on my file. 

Experian, needs to provide me within 15 days documents used to verify, methods used and contact information of who gave them that information.

The creditor also replied to Experian after 30days. The creditor has failed to give me ANY DOCUMENTS OR INFORMATION on this whatsoever.
Product: Debt collection

In accordance with the Fair Reporting XXXX XXXX XXXX XXXX XXXX XXXX Acct : # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C..They have damaging my credibility and financial livelihood by furnishing false information to credit reporting agencies according to the FCRA they are required to furnish 100 % accurate information to credit reporting agencies concerning a consumer. 15 U.S.C. 1681 section 602A states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 states a consumer reporting agency can not furnish a account without my written instructions. Because of the false information furnisher provided to credit reporting agencies have damage my credibility and financial livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

have sent in certified letters stating and showing that several fraudulent accounts/police report and inquiries we 're open without my consent and permission on dates beginning XX/XX/XXXX and currently now. It 's been less than a year 11 months to be exact and counting coming into XX/XX/XXXX that no verifiable documents baring my signature was sent out in the mail to me by Dept of Ed/Nelnet, XXXX XXXX XXXX, several Inquiries and accounts we 're made without my consent and approval. I have been suffering a great deal of time since last year and all I get is a bogus Veirfied letter by credit bureaus and creditors. I am truly frustrated at this point and my next step is to file a civil lawsuit against XXXX & the creditors for breaking several FCRA laws.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), the XXXX credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXXXXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Checking or savings account

Due to my consumers report, that I requested and was aware of, theyre bank accounts, such as, Comerica Bank XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX that were opened under my social security number, with my identity. Including XXXX XXXX, I have not used XXXX XXXX since 2022. Its causing major problems with an active bank account that I actually opened myself, with XXXX XXXX XXXX XXXX, the bank locked my account because XXXX XXXX sent an alert, which is connected with Consumer Reports, that collect data from multi-million banks. This is a big problem because I never opened up an account until recently with XXXX XXXX XXXX XXXX. My identity has been used against me, & thats a federal crime, called fraud. This matter needs to be removed off my consumers report because it was not me. Please and thank you, lets fix this as soon as possible. I have a family to take care of, this is completely insane.
Product: Credit reporting or other personal consumer reports

XXXX XXXX debt creditor XXXX, Transunion and XXXX is reporting several inaccuracies on my credit. I disputed XXXX of 2024 r

egarding this being a fraudulent account and they keep raising the balance when the account has been closed for 3 years. I have disputed this for the past 4 years and yet nothing has happened and the credit companies keep misreporting this and adding charges to my credit. 15 U.S. Code 1681n - Civil liability for willful noncompliance And 15 U.S.C. 1681o Civil liability for negligent noncompliance
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions are unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeated offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Mortgage

On  XXXX   XXXX ,  XXXX , I refinanced my home mortgage. Initi ally, the Loan w as serviced by  XXXX   XXXX . On  XXXX   XXXX ,  XXXX , the Servicing was transferr ed to SLS Loan Servicing. I  have asked SLS to provide me with an amortization and payment history on the Loan, and their response is that they can only provide Loan information from the date they commenced servicing. Therefore, they want me to request an amortization from  XXXX   XXXX  from the closing date to the date servicing was transferred. See the attached email response from SLS.     How can SLS service the Loan if they can not provide a complete payment history? I am asking for a history because I made an additional principal payment of {$3500.00} on  XXXX   XXXX ,  XXXX , and that payment does not appear to be credited to my account.
Product: Credit reporting or other personal consumer reports

Discover Bank reported a ( Late payment ) on my consumer report without my written consent.
Product: Mortgage

PNC Mortgage offered a forbearance plan to me due to Hurricane Irma and at the time of acceptance they stated I could easily do a loan deferment or loan modification at the end of the term. With that said they would not discuss my options or evaluate my mortgage until the forbearance was over and the loan was in default. Upon default they explained that the deferment was not an option and the modification would take months to approve if it was even approved at all. I faxed in the loan modification paperwork twice ( I have the sent receipts ) although each time they stated they did not receive it but it could be still in the process of uploading into their system which takes a minimum of 3 days. On XX/XX/18 their collections department called demanding the money and stated as long as I made the payment that day I would not be reported to the credit bureaus so I reluctantly made the payment in full and the very next day my credit dropped 118 points. Upon filing a complaint with PNC bank their complaint department stated to me that there is absolutely nothing that can be done and that they report to the credit bureaus on the XXXX of each month. The collections department representatives each and every conversation refused to tell me when they report to credit bureaus. I feel like I was taken advantage of. Nothing was ever signed. They are refusing to send me the " so called '' recorded conversations. They ruined my credit and are refusing to allow me to refinance when I have over $ 200k in equity in the house so they can keep charging me for mortgage insurance. They deceived me and I'm sure they have ruined plenty of natural disaster victims lives due to their process. All I want is for them to help fix my credit and allow me to refinance in order to remove my co-signer as she does not participate any more. Additionally, I had to use every penny I had in my savings to pay the 6 months of forbearance so it would be nice if they could return that to me and defer the missed months to the end of the mortgage or something.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX was reported late payments of XXXX XXXX monthly payment each month. Exeter finance doesn't have a specific reporting day. They say they do and they don't, some months they report every month and some months they report every 3 months which causes incorrect reporting on my report stating my payments to become late and I'm not. This has been an ongoing issue with them and I feel this is unlawful, discrimination and against my consumer right. I have reached out numerous of time to the head quarters, the call center, the CEO and i have yet to hear anything or changes to the account to be updated to current and at this point I will file a suit. I am just getting back to good health and this has been a strain on me. As a dedicated customer for almost 4 years, I thought I would get better treatment than this. I am demanding, under the provisions of the FCRA, 15 USC section 1681i, that they remove immediately as it is deemed, unfair, illegal and a violation of my consumer rights according to 15 U.S code 1666b.

As it states, a creditor or any agency must not treat any payment on a consumers credit file as late for any purpose. If so, it must be immediately and permanently removed from file or a complaint or lawsuit will be filed for discrimination against my decent, violating my consumer rights deemed by law and the reporting of inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am paying for Credit Monitoring, Fraud Alert, and Score services from Equifax.I have been paying for this service for over 10 years now so I never thought I would be involved in a breach of my information. In XXXX XXXX XXXX my personal information was stolen and now I am victim of theft and my credit report was fraudulently used with out my permission. Equifax service is supposed to protect my consumers report and notify me if any person is inquiring information of my identity before allowing any access to my file. I don't recall giving any mortgage company called XXXX XXXX or XXXX XXXX my permission to pull my credit report. I spoke to the highest level of Equifax as she stated she is the Supervisor of Office of Consumer Affairs. Her name is XXXX, ID XXXX XXXX on XX/XX/XXXX from XXXX XXXX  - XXXX asking her to correct my consumer 's report. I explained that I sent in my Police Report, Drivers License, Social Security Card, Utility Bill, Credit Report, Letter of Explanation in XX/XX/XXXX, I also mail my documents in on the same day. I was stilled denied removal of these fraudulent inquires. I also explained that I have there service to protect me and they have not done there job of protecting my consumers report. I am requesting that these two inquiries be removed from my consumer 's report.
Product: Credit card or prepaid card

I was surprised when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

this message is for XXXX and Equifax concerning my XXXX accounts with XXXX ending in XXXX and XXXX the company called XXXX XXXX XXXX XXXX XXXX calling on the behalf of XXXX and sending me notices about my XXXX accounts with XXXX XXXX the company here referred to as XXXX sent documentation to me today as of XX/XX/2021 that the above referenced accounts with XXXX have been closed with XXXX as of the date mentioned. I would like for you to update my credit report showing that the account through XXXX is closed due to this information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I want someone to explain WHY I can't log into my account, or access anything? It's giving fraud & scam. I want someone to explain why my credit score in your records is XXXX near 200 less than XXXX and other reports. I have an issue that for over 10 yrs I have had continued issues with contacting and getting a live person, and the fact that you're a credit reporting agency and my XXXX IS NOT CORRECT burns me to my soul ; flames of fire as my chest gets tight from irritation. There's absolutely NO REASON, why I should have this many issues for this many years ACCESSING MY OWN PERSONAL PRIVATE XXXX INFORMATION. I shouldn't have to harass anybody, to correct update or fix XXXX. 

I want direct contact to a manager, & corporate contact information. It's giving racial discrimination, & purposely not updating my credit report to match or reflect the truth. I like lawsuits, & have been MORE than patient.
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. I am formally requesting the blocking and deletion of these accounts. It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove 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 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested on several occasions to remove and or delete the incorrect & inaccurate information on my credit report which I am needing immediately removed. I am listing those items for your convenience below. 
XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX TN XXXX XXXX - XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX - XXXX XXXX XXXXXXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX XXXX - XXXXXXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX TX XXXX EQUIFAX - XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX - XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX FL XXXX EQUIFAX - XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting or other personal consumer reports

I just received my new credit report for Equifax and I found quite few auto Account Review Inquiries on my credit file that wasn't authorized by me. 

This is the list of them. 


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

I HAVE CREDIT INQUIRES LISTED ON MY CREDIT REPORT THAT ARE NOT MINE, I HAVE SENT A REQUEST TO TRANSUNION TO HAVE THEM DISPUTED, THEY FAIL TO DISPUTE THEM AND SEND A CANNED MESSAGE SAYING THAT I HAVE TO CONTACT THE COMPANY THAT PLACED THE INQUIRY. THIS IS A FCRA DISPUTE, FCRA STATED THAT THE CRA MUST INVESTIGATE ANY INACCURATE INFORMATION ON MY REPORT, TRANS- UNION HAS FAILED TO DO THIS. 

XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX
Product: Student loan

Mohela emailed me letting me know I have 9 days to pay my student loan. Never received an email telling me they finished transferring their accounts to the new system. 

They are charging me more than what was due. They also lost all account history/payments.
Product: Credit reporting or other personal consumer reports

I SENT TRANSUNION, XXXX, AND XXXX LETTERS CONCERNING THE INACCURATE INFORMATION REPORTING ON MY CREDIT REPORT ON XXXX AND THEY HAVE DONE NOTHING AND I HAVE ATTACHMENT DOWN BELOW. 

SEE ATTACHMENT AND PLEASE DELETE
Product: Money transfer, virtual currency, or money service

Every single time I send money to XXXX or receiving money through western union or XXXX XXXX there is a problem. I can not pick not I cant send money using these businesses
Product: Credit reporting, credit repair services, or other personal consumer reports

In the month of XX/XX/2023, The company Nelnet Student Loans combined my student loans together. Previously, there were 3 accounts that emerged into one account held by Nelnet. By doing so the major credit bureaus : XXXX, XXXX and XXXX XXXX dropped my score stating that my loans increased. The amount never changed only the number of accounts. This transaction has dropped my XXXX score tremendously.
Product: Credit card or prepaid card

On XXXX of XXXX I have sent an e-mail to XXXX asking them to send me my date of birth and my alleged SSN as previously they have admitted having them. Also I have asked them to get a response by post which they ignored. They responded by e-mail on XXXX of XXXX saying they are unable to verify the specific information they have gathered. The same day XXXX have asked them how they were able to obtain my SSN when I do not have one. And on XXXX of XXXX they repeat their response and say that they consider the issue resolved and they will no longer respond to inquiries regarding this matter.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report I found that the charge off account that I paid off in full with XXXX XXXX XXXX was still on my credit report with inaccuracy data furnishing.I had ask for a letter of deletion over the past period in which the creditor agreed to mail me and update the current account status up on paid in full.The item is still reporting inaccurately on my credit report an is hurting my ability to apply for a mortgage for my family
Product: Mortgage

Citi mortgage viciouslly pull my credit report without my approval, I did approved once not twice. I want them to stop this, also misspelling my name and incorrect address on important forms. Not responding to my calls. I send emails and they have no idea way this happensXXXXXXXXXXXX XXXX XXXX XXXX ( XXXX ) XXXX this is his contact informationPlease I need them to stop this unfair practice.