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

In addition to trying to correct fraudulent personal and credit card information on my Experian/credit report, I noticed that the company has a credit card number ( ending in XXXX ) as a payment method for my account with them. I do not recognize this credit card account, nor is it even listed among my open accounts on my Experian credit report. 
In attempting to get more information about this, and possibly report it as fraudulent, I have found it impossible to get any further information from Experian. Since it is not listed as an account on my credit report, I can't flag it as suspected fraud. And any attempts to get a live person on the line from Experian are stymied by them directing me to the website, no matter what buttons I press or answers I give when I call in to them. 
This is criminally bad customer service. 
Attached is a screenshot showing the only information I can find about this credit card account ( it is shown as the payment of record for my Experian account ).
Product: Vehicle loan or lease

Over the course of 3 years US auto sales had disabled my vehicle several times after payment was made they also sold me a truck an the transmission went out in the first year then they sold my account without notice or warning regarding the new company or any warning that they were closing for good no written communication nor phone calls from us auto sales
Product: Credit reporting or other personal consumer reports

The mortgage company reappears late payments on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and corrected from erroneous reporting in my file are listed on 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  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/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 XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach and am requesting that all accounts listed below be blocked and deleted from my credit report pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts were opened fraudulently without my authorization, and I request their immediate removal. 
The accounts in question are : ACCOUNTS : XXXX XXXX XXXX - XXXX - XXXX - {$1100.00} XXXX XXXXXXXX BANK XXXX XXXX XXXX - XXXX - {$360.00}
Product: Checking or savings account

XX/XX/XXXX : An underaged family member used my phone to make an unauthorized transaction using a debit card that was save in my XXXX XXXX in the amount of {$9900.00}. Once I found out via email ( a few hours later that same day ), I contacted my bank ( Capital One ) to let them know of the unauthorized charge. I also contacted the vendor ( XXXX ) to let them know of the unauthorized charge. I have screen shots of the conversation that was had with their customer service agent and an email confirming that someone would be in touch. XXXX advised me to contact my bank. Over the phone, Capital One said that I could not file a claim yet as the transaction was not posted. 

XX/XX/XXXX : I received an email from Capital One stating that they are working on my claim. 

XX/XX/XXXX : Capital One gave me a temporary credit XX/XX/XXXX : Capital One denied my claim stating that the transaction was valid and that the temporary credit would be removed on XX/XX/XXXX. That same day, I called Capital One who said that I had the right to appeal the decision and that appropriate steps on how to do so would be sent to me. Their website also states that the message with the decision would contain steps on how to appeal. It did not. 

XX/XX/XXXX : I emailed XXXX and tried to plead my case to the best of my ability including the messages between myself and XXXX stating that the transaction was unauthorized. I also requested additional information on what steps to take to appeal. I attempted to contact XXXX but, every time I tried, the wait times were over an hour even though the automated system quoted XXXX to XXXX minutes. I could not get a hold of a XXXX representative to speak to. 

XX/XX/XXXX : Capital one sent an email stating that the claim decision was confirmed. I immediately called Capital One and requested additional documentation on the appeal process as well as the documentation that was used to make my decision ( sent XX/XX/XXXX ). The customer service agent cited IP address and billing information as the reason for the denial. I wrote to Capital One pleading with them to re-evaluate my claim as their reasoning did not signify authorization on my behalf. Leaving my phone unattended in my home does not mean that I authorized the transaction. I also included additional support documents and requesting a written response regarding the re-evaluation. 

XX/XX/XXXX : Followed up with Capital One requesting confirmed receipt of my plea for re-evaluation. Capital One wrote back stating that the supporting documentation was received and that I would be contacted if additional info is needed for the investigation. 

XX/XX/XXXX : I call Capital One to request a status update and I was told that the claim was closed in XXXX and that there is no current investigation. I asked if my claim was covered under the Electronic Fund Transfer Act and they said that EFT did not apply to debit card purchases. I am told that I have no other options aside from re-escalating my request which, they said, will most certainly be denied.
Product: Debt collection

IQ Data International contacted me about a debt via mail. I sent them a debt validation letter which I have proof they received on XX/XX/2019 and was signed for by XXXX XXXX. They have yet to validate the debt, but have contacted me by phone numerous times since they received the letter in an attempt to collect the debt. They contacted me at times including : ( All times in Pacific Time XXXX : Tuesday, XX/XX/2019 XXXXXXXX XXXX, Wednesday, XX/XX/2019 XXXX XXXX, XXXX XXXX, XXXX XXXX, Thursday, XX/XX/XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. In one of the message the caller identifies themselves as XXXX XXXX. The collector has not validated the debt yet has made numerous attempts to contact me to collect the debt which is violation of the Fair Debt Collection Practices Act.
Product: Credit card

Company wrote to me ( see attached letter ) to say credits were being removed from my account becuase merchants had already creditted the same amounts. However, I can not find the merchant credits posted to my card statement. I called Amex 4 times to provide me with the dates of the merchant credits. They could not provide this info
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion has been reporting that my XXXX score has gone done since XX/XX/2020, due to delinquencies. As a result, the agency has reported a continuously lower score than it reported in XX/XX/2020. At that time Transunion reported my FICO at XXXX. The last score it reported ( last month ) is XXXX. 

The document that is attached shows how Transunion continues to report my score as declining, based on delinquencies that do not exist.
Product: Credit reporting or other personal consumer reports

Please remove any fraudulent items from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Transunion and told them that this account was not mine & I did not open it. I had no knowledge of this account, I have filed a police report & FTC identity theft report XXXX. I filed a complaint against them on XX/XX/15 for The XXXX XXXX XXXX {$650.00} with you & they continue to report this account that is not mine!!!!!!
Product: Mortgage

my home was in the flood area of XXXX2016 in Louisiana. my business was down due to this, Chase offered 3 months off on payments, I took this offer, at the end they wanted all 3 payments plus the current payment in 1 month. I did not have it I asked if I could pay the current month and add the other 3 to the end. they said no but they had another plan a mortgage assistance plan that would refinance my mortgage, to qualify I needed to pay 3 payments on time, which I did then after the end I would sign papers and be up to date which is what  happened. at no time did they tell me I would be reported late on my mortgage to all the credit bureaus, I followed there plan and still was reported. I feel I was mislead the whole way, if at anytime they would have told me all the facts I could have at the time with my great credit rating that I have maintained all my adult life I could have gotten a loan at any bank. but they have now wrecked my credit and because I cant renew my current business loan I will lose my business at the end of the year. I tried to dispute the issue with them but was told that even though I was n't properly informed that theres nothing they can do, they even admitted that many others were having this same issue and the gentlemen felt that they should probably inform people better. I dint know if there is anything you can do to help but I sure need it. thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX and proceeded to retrieve my free annual credit reports from XXXX XXXX, and Experian. I was able to retrieve the first two from XX/XX/XXXXand XXXX, but Experian kept saying " We are unable to give you a credit report '' or words to that effect. 

I tried again, this time selecting only Experian - same result. 

I went to Experian.com and tried from there - same result. 

There is no valid information at Experian 's website, no helpful phone number, no phone number answered by a person. No help what-so-ever. 

So Experian is now in violation of the Fair Credit Reporting Act by refusing to supply me with my free annual credit report. And they arrogantly refuse to help.
Product: Debt collection

A company name XXXX XXXX XXXX and also called D & A Services they have been calling my phone, they emailed they even called my job leaving messages. When I talked to a lady she would not let me speak I told her to send me something showing I owe them debt and something with my signature before hanging up I was threatened with court.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX. 2024 I sent a simple opt out letter to LVNV Funding LLC when I saw that they were on my report and I didnt establish a relationship with them, to report on my credit report. I am escalating by asking for proof that this is my account, and that weve established a relationship of business. 
1. Privacy Rights Violation : Under FCRA 15 USC 1681 and 15 USC 6801, consumer reporting agencies ( XXXX, XXXX, XXXX ) are required to respect consumers privacy rights. LVNV Funding LLC, as a financial institution, is also obligated to protect my personal information. However, my private information has been shared without my permission, violating my rights. 
2. Requirement : According to FCRA 15 USC 1681 section 604, consumer reporting agencies may only share a consumer report with the written consent of the consumer. I did not provide written consent for LVNV Funding LLC, XXXX, XXXX, or XXXX to furnish my information, and I hereby revoke any prior consent, whether implied or explicit. 
3. Failure to Inform of Nondisclosure Option : Under 15 USC 6802, financial institutions must inform consumers of their right to opt out of information sharing with third parties. LVNV Funding LLC did not provide this disclosure, denying me the chance to exercise my nondisclosure option. 
4. Inaccurate Reporting : FCRA 15 USC 1681s-2 prohibits furnishing information that is known or believed to be inaccurate. XXXX, XXXX, and XXXX have failed to maintain procedures to ensure the accuracy of their reporting, as required by FCRA 15 USC 1681e.

5. Opt-Out Right : As stated in 12 CFR 1016.7, I have the right to opt out of having my information reported, and I am exercising that right. 
My report shows XXXX discrepancies in payment history which is also a violation of my right to privacy under the XXXX XXXX XXXX which falls under 15 U.S.C. 6801 and 6802. I was not given the safeguard to opt out of sharing my private information to third parties, which negatively affects my report.

6. Gross income and Returns Relating to the cancellation of indebtedness : 26 U.S.C. 61 ( a ) ( 12 ) & 26 U.S. Code 6050P charge off and collections are income from discharge of indebtedness.If a creditor cancels or forgives a portion of a debt, the canceled amount can be considered taxable income for the debtor, as they are no longer obligated to repay it. The institutions that placed accounts into charge off status or collections never sent a 1099C for me to file.
Product: Credit reporting, credit repair services, or other personal consumer reports

An open credit account in Florida is shows on my Experian account but XXXX and XXXX.its been open since XXXX I found it but no one Experian are willing to look into it or tell me they can't find it. My credit is questionable but this account is nearly XXXX credit at need usage XXXX , % hurting my score that much more. Also there's inconsistent information when you compare Experian XXXX and XXXX.
Product: Vehicle loan or lease

Affidavit of Truth Pursuant to 15 USC 1692d- You can not engage in any conduct to harass, oppress, threat, to harm my reputation, or property. Telephone to ring or engaging any portion in telephone conversation reportedly to annoy you. 
You continentally called my phone and trafficked my information without my knowledge and invaded my personal property to repo my car. Which is a form of identity theft, wheres my equal consideration? 
Pursuant to 18 USC 8- Obligation or other security of united states defined all debt public and private belongs to the USA .

Your phone calls is seen as a threat to me and caused me grief and the feeling of being violated at my own home leading me to a XXXX. 
15 U.S. Code 1692k - Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; or Law clearly states its a XXXX dollars per violation Under law each excessive phone call is a violation of a XXXX. 
I request I receive my car back under conditional acceptance with title Under the Gramm Leach-Bliley Act, a financial institution must provide its consumers with a notice of its privacy policies and practices, and must not disclose non-public personal information about a consumer to non-affiliated third parties unless the institution provides certain information to the consumer and the consumer has not elected to opt out of the disclosures. The act as well requires the commission to establish for financial institutions appropriate standards to protect consumers information Thank You, XXXX XXXX Without Recourse
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity theft. I received a copy of my credit report after being denied housing and employment. I have been reaching out to these companies since XX/XX/2023 stating that I am a victim of Identity theft and that there are incorrect names, address, and accounts that are not mine please verify. Because the credit monitoring services are by law supposed to verify that all information reported has to be 100 % accurate. These companies violated my consumer rights by reporting inaccurate unknown information without my written consent, and is ignoring my request for verification within a timely matter. Not only have these companies violations affected they have also affected my family 's lively hood as well. I have been denied employment and housing due to this inaccurate, negative, unknown information reporting to on my credit report every month which is negatively imapacted my credit rating and scores. This has cause my family mental XXXX, depression, and homlessness due to being denied employment and housing. This inaccurate is causing me and my family embarrasement by affecting our character in a negative way.
Product: Checking or savings account

To whom it may concern, I went into my local Truist branch to initiate a wire transfer to purchase a car out-of-state on XX/XX/year>. During my visit to the bank, the representative kept mentioning that I could be scammed out of my money by purchasing a car out-of-state. I advised her that I was aware and that I had validated the business through several channels, and I wanted to move forward. Although I wanted to move forward, she still expressed concerns with my wire request. We moved forward and she advised that the wire would be processed within XXXX. I received a call later that evening. The representative advised that she was with the Truist Fraud department. She asked me if I initiated the wire. I said yes. She asked me if I knew the person I was purchasing the car from, I said no. I told her that I was purchasing the car from a dealership. She asked me what kind of car, I told her a XXXX XXXX. She told me that I should look into XXXX as a safer option. She advised that I could be getting scammed by purchasing the car from XXXX. I told her to just cancel everything. I suffer from XXXX. The bank rep and the fraud department representative caused my XXXX  to flare. I took a few days to gather my thoughts and get everything together. I went back to the bank on XX/XX/year> to re-initiate the wire transfer. Again, the bank rep advised that I could be scammed. I told her that the dealership was legit and I am comfortable moving forward. She advised that the transfer would be complete within XXXX. Its been XXXX. I now have bill collectors emailing me that payments coming from my bank account are bouncing. I contacted Truist to find out that my account has been placed under review for suspension of fraud and that my account is up for closure and the wire transfer was cancelled. They neglected to contact me to let me know that my account was placed under review. I explained the issue with the wire transfers, and they advised that they can not take the hold off of my account. This situation is causing me severe mental anguish. I have no access to the funds in my accounts and the bank has failed to assist me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX Atlanta-based credit reporting and technology company Equifax said a cyber security incident may have exposed to criminals the personal information, including Social Security numbers, of approximately 143 million U.S. consumers. 

Unauthorized access to the information occurred from mid-XXXX to XXXX, says the website setup by the company, and was discovered by the company on XX/XX/XXXX. 

On this same website, https : //www.equifaxsecurity2017.com, and individual can check to see if their information was potentially affected, which, according to the company 's own site ; my information was. 
Upon discovery of this, I turned my attention to my state 's Attorney General, whose website lead me here. 

I have not signed up for the free credit monitoring ( TrustedID Premier ) they have offered, as this may force me into arbitration, as per Equifax 's Terms Of Service agreement.
Product: Checking or savings account

My wells fargo bank account was hacked by unknown stranger on XXXX and they pretended to be me last year and XXXX their own bank account over XXXX dollars. XXXX while i was not notified until an hour after stolen from I was not able to pay my bills or rent i needed to borrow money to cover my costs it took wells fargo over a month to send over my wrongfully taken money and it was a credited to my credit card not to my checking account
Product: Debt collection

Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Sincerely,