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

Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX. Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX. Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX inquiry XX/XX/XXXX XXXXXXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX Date of inquiry XX/XX/XXXX
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 : XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Name : XXXXXXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reference # XXXX XXXX  XXXX : XXXX  Equifax contacted me and communicated that this public record was ''Verfied '' under XXXX & the XXXXXXXX XXXX XXXX  XXXX XXXX 

I called XXXX and they told me that the public record has been suppressed from my consumer report. 

I also Called the XXXX XXXX XXXX XXXXXXXX and they told me that they dont provide information to 3RD parties.
Product: Money transfer, virtual currency, or money service

I sold a product using PayPal to a local buyer and delivered the product to him in person. We even took a video of delivery to his address and kept records of messages with the buyer in which he confirmed that he received the item. PayPal immediately collected their fee and then paced a hold on my {$950.00} so that I could not access the funds until the buyer confirmed that the product was delivered. The buyer then attempted to confirm the delivery but PayPal would not let him do so for 48 hours. Concerned that I would not receive my money I called PayPal offering to send proof of the delivery, including the screenshot of PayPals email taken from the buyer when he attempted to confirm the funds but it said it would not let him. I waited the 48 hours and now can not reach the buyer. I reached out to PayPal today and they said they have no way for me to show them proof that we delivered the product to the buyer. I again asked them to provide me a way to show them our messages with the buyer and the time stamped video of the product delivery but they refused. I asked why PayPal would make it so complicated and they replied that they wanted to sell card readers to sellers to make it faster. This concerned me because it causes an un necessary delay for the sellers so that PayPal can profit from more of their card readers in the market place causing a undue burden for their consumers and a long term profit for PayPal. I asked their manager named XXXX why they wound make their buyers wait and she wouldnt answer the question and the line went silent and the call got disconnected.
Product: Credit card or prepaid card

On two separate occasions I never received my Bloomingdales Citi Credit card ( s ) nor did my authorized user Bloomingdales is not resolving the issue of fraudulent charges made on my accounts, in fact they are making my balance larger. I have reached out to them on multiple occasions and they are not helping at all. They are now saying my balance is XXXX  consisting of two charges for XXXX, one for XXXX and one for XXXX. I nor my authorized user on the account made these charges because we never received the card ( s ). Someone got a hold of the cards and made the fraudulent charges. 

I would like this matter resolved immediately Last 4 digits of my SSN are XXXX to help bloomingdales credit card find my account
Product: Credit card or prepaid card

Have made calls and sent emails inquires re balance. Company has automated answering redirecting to medical sales company. Emails have gone unanswered. All other efforts have been futile. The Gift Card was purchased for XXXX dollars and all efforts to use the card have been denied. The card was purchased from My Gift Card and bears the Mastercard number XXXX, with an expiration date of XX/XX/2020. Please stop this from happening to other consumers!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax website won't allow submission of documents. only after a complaint was submitted has this happened due to their failure to respond to a dispute of XXXX XXXX XXXX that has exceeded well over 90 days which is a violation of FCRA, and company has failed to provide verifiable evidence or provide evidence that this company has not violated FCRA and HIPAA laws. I am submitting documents through XXXX. equifax 's non-compliance with my request will also be construed as an absolute waiver of all claims to enforce the debt against me and your implied agreement to compensate me for court costs and attorney fees. EQUIFAX is still reporting this collection on my credit report, which is considered to be a collection activity. EQUIFAX is in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees
Product: Credit reporting, credit repair services, 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 : Convergent Outsourcings XXXX XXXX {$2200.00}, has 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 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: Mortgage

I am successor in interest as administratrix of the estate of XXXX XXXX. I provided my court documents and received a letter from NewRez 's agent, XXXX dated XX/XX/2023 that I was confirmed as successor in interest and was entitled to submit requests for information and for a payoff statement with respect to the mortgage account of XXXX XXXX. 
The home had a contract for sale set to close on XX/XX/2023. The settlement firm/title company requested a payoff statement ( which they tell me is usually provided to them immediately upon request ) on XX/XX/2023. They were unable to obtain a payoff statement and notified me on XX/XX/XXXX. I tried to request a payoff statement on line on XX/XX/XXXX, and got a message something like " error try again later. '' I called on XX/XX/XXXX, and found out that the servicer was changed in XXXX and I contacted the new servicer -Shellpoint. They have refused to talk to me saying their reviewers have not authorized them to talk to me. I have resent the estate documents- even though I was already confirmed as a successor in interest. As agents of NewRez, it should not be my problem that they did not transfer the information correctly. I have called every day, multiple times and continue to be denied a payoff statement. The representatives of Shellpoint say I am not authorized on the account and they can not provide any information - including what documents are needed so that I can be authorized. It is now XX/XX/XXXX and I do not have a payoff statement. This is a violation of 12 CFR Se. 1026.35 which requires the servicer to provide a payoff statement within 7 days. New Rez 's failure to provide the payoff statement has put the sale of the home in jeopardy since the contract requires a closing on or before XX/XX/2023. I am continually told by the representatives of Shellpoint that it will take XXXX hours, then XXXX days, today ( 13 days from the first request ) I was told it will take at least 2 more days for the review of the documents.
Product: Mortgage

Wells Fargo denied me loan modification when I was struggling to keep my home. I had a prev. Complaint but they only had dates but no information regarding the numerous conversations denying loan modification. Certainly there is a written transcript of those calls to provide more accurate representation of how my situation was improperly handled.
Product: Credit reporting or other personal consumer reports

XX/XX/year> I sent XXXX, XXXX, and Experian a dispute regarding incorrect information on my credit report and its been past the allotted time of their investigation but they have yet to fix my issue and the incorrect info on my report.
Product: Credit reporting or other personal consumer reports

I have just recently discovered that Equifax along with XXXX and XXXX have been selling all information including my Social Security Number to other companies like TELETRACK at XXXX. I never heard of this company and they have all of my information. The representative said he can put a 5 year opt-out information on my account, but can not put a permanent opt-out on my account until I mail him a request form in Georgia. I also put a request to freeze my account permanently, but not sure if that is a guarantee. 
So far, I have found 9 companies that all Three Credit Bureaus have sold my personal information. I am not sure if there are more.
Product: Vehicle loan or lease

They got the car back and sold it, got their money and still want money from me!

SO THEY WOULD HAVE GOTTEN PAID 3 TIMES FOR ONE CAR!
Product: Checking or savings account

So on XXXX my account started getting charged from random sources for cash apps and gas and other things which ended up coming out to XXXX $ so I filed a complaint with my bank to reverse the amount that was charged over and over from different sources so it ended up making my account negative I reached out to CREDIT KARMA MONEY they actually didnt give me my money back I put in multiple disputes and they didnt honor it due to my account being compromised and closed my dispute now trying to close my account because of the fraudulent matter it cause me to go in negative for over XXXX days I waited XXXX days for them to finish the investigation just to hear its closed but didnt give me a reason they denied my dispute even tho none of the transactions were authorized by me
Product: Student loan

MOHELA has been nothing short of COMPLETELY FRAUDULENT in their practices. Over the past few months ( since the return to payment ) I have had issues with them randomly placing forbearances on my account even though I have NEVER ONCE asked them to do so. One forbearance they even randomly backdated a couple years!! I did file a borrower 's defense form where I clearly stated that I DO NOT want a forbearance. I have sent many, many messages in writing telling them I DO NOT want any forbearances. I have spent countless HOURS on the phone stating I DO NOT want any forbearances, yet they continue to ignore me and do whatever they want to my account without my permission. Now that I have recertified my employment for payments counts towards PSLF they have taken away XXXX payments stating they are ineligible due to a forbearance on my account. The timeframe they are claiming is ineligible is the timeframe that the government ordered a payment pause due to covid. MOHELA should not be allowed to service loans anymore. Not only this, but they don't truly respond to any emails. If there's any type of response from them it's WEEKS later and it's a boilerplate message that says that it looks like things have been taken care of, but if not, call them. There is no way they can claim that these practices are not beyond purposeful and designed to keep people in student loan debt, therefore keep the government making money off of us. I want this situation addressed and it needs to stop. I also am requesting a different loan servicer. MOHELA also will not produce any proof they have of me requesting a forbearance ( because it doesn't exist ) despite multiple requests.
Product: Credit reporting or other personal consumer reports

I contacted Equifax to remove these hard inquires from my credit file and Equifax refuse to remove it from my file. I did not authorize these hard inquires on my report and i explain this to Equifax as well as provided a police report. there are also accounts on my file that i do not recognize that i have asked to have removed from all three of my credit files. The inquires and accounts still remain on my credit file. Here are the inquires as follows : XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Capital One will charge interest for two months in a row if the full balance including new charges isnt paid in full. This was done on two statements and stated by the representative I spoke with.

I thought that was prohibited based on 2009 legislation : Double Cycle Billing and Other Fees Are Prohibited Two cycle, or double cycle, billing ( the practice of calculating interest charges on both the current balance and the previous months balance ) is banned.
Product: Debt collection

COMENITY BANK/AVENUE Is reporting on my credit report that I owe {$1000.00} in which I have never opened a credit card with this company
Product: Checking or savings account

I have been trying to reach chex systems in order to get my credit report which is under a freeze because of my identity theft due to serious car crash by which i almost died i have my pin number which is XXXX and consumer identification XXXX. The system is totally automated by phone and the website has issues. I need my chex systems report to be update according to the fair credit reporting act, and Fair and accurate tans actions act.

I need my chex systems reports after all old and outdated information removed and the results sent to me afterwards to show the results of the removed items after all federal laws have been applied as to this credit report to be updated.
Product: Debt collection

This complaint is in regards to the company XXXX. On XXXX XXXX, 2015, XXXX wrongfully placed my account with a collection agency. This account was transferred to the collection agency a full two days before payment was due. I have attached the bill from XXXX showing that my bill was due on XXXX XXXX, 2015. I have also attached a XXXX complaint where XXXX admits to sending my account to collections a full two days before the due date.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Southwest Credit Systems for inaccurately reporting account # XXXX. The reported debt reflects improper re-aging of the Date Last Active and a Past Due status, which is not applicable to collection accounts. Additionally, the original creditor never verified the debt, and I did not receive notice of the debt or its purchase by Southwest. 

Furthermore, my personal information was compromised in a data breach, and the original creditor was notified. The debt was forgiven, and I received a 1099-C for cancellation. This debt should have been removed entirely under FCRA Section 605B ( 15 U.S.C. 1681c-2 ).

Given Southwest Credits history of consumer lawsuits for violations, I request the immediate deletion of this account to avoid further legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit reports. Im requested the verification of the inquiries and the method of verification. On XX/XX/2020, ALLY FINANCIAL, XXXX XXXX and XXXX XXXX XXXX add a hard inquiries on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX AccounXXXX XXXX XXXX XXXX, has 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 a account without my written instructions
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Request for Removal of Unauthorized Hard Inquiries Due to Identity Theft Dear, Transunion I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, which are negatively impacting my XXXX XXXX. 
The unauthorized inquiries related to identity theft are as follows : Please remove inquiries 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  Under the Fair Credit Reporting Act ( FCRA ), 1 have the right to dispute any inaccurate information on my report. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and my credit report with the unauthorized inquiries highlighted.

Additionally, I have filed an FTC identity theft report with the Consumer Financial Protection Bureau ( CFPB ).

Please investigate these inquiries and remove them from my credit report at your earliest convenience. I would appreciate confirmation once the removal is completed or guidance on any further steps required. 

Thank you for your prompt attention to this matter. 

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

I pulled my credit report in  XXXX  of  2017 a nd noticed there were  XXXX    XXXX   XXXX   XXXX    credit cards opened in my name.  One with a  {$300.00} dollar credit limit and the other with a {$500.00} dollar credit limit. These accounts do not belong to me. I have never opened them. And I owe them no one because they were a result of fraud. When I contact  XXXX   XXXX  fraud department they say it is going to stay on my report because all the information is correct. And there is nothing I can do about this. Please help me get it removed.
Product: Debt collection

As of XX/XX/2023, My AFFIDAVIT OF TRUTH, has been delivered successfully through the U.S. Postal Service to LVNV FUNDING LLC., by Certified Mail. 

It's Well passed Thirty ( 30 ) Days. I t has been XXXX Months. THIS IS ILLEGAL!! 

Within my AFFIDAVIT, I requested a " DEBT VALIDATION '' from LVNV FUNDING LLC., providing Instructions to what Information is to be delivered back to myself as proof, that I owe this " ALLEGED DEBT ''.

In-Which, Evidence from the " LVNV FUNDING LLC. , '' has not been successful in this regard.

MY AFFIDAVIT HAS NOT BEEN REBUTTED. IT MUST BE REBUTTED. FACT FOR FACT!

Even if the LVNV FUNDING LLC., shared statements as well as a COPY of a Consumer Contract, as evidence of an Alleged Debt, yet according to the decision judgement in the instance of case : XXXX XXXXXXXX XXXX XXXX XXXX - Copies of any consumer contracts are NOT ENOUGH PROOF OF ANY ALLEGED DEBT! That is owed. 

So once more, I request that they deliver the Original Contract that I signed with " LVNV FUNDING LLC., '' that bears my signature as evidence that I RIGHTFULLY OWE THIS ALLEGED DEBT.

12 U.S. Code 3403 - Confidentiality of financial records 15 U.S. Code 1692e - False or misleading representations 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information 18 U.S. Code 1028A - Aggravated identity theft 12 U.S. Code 3403 - Confidentiality of financial records 18 U.S. Code 241 - Conspiracy against rights 18 U.S. Code 242 - Deprivation of rights under color of law This is fraud, aggravated identity theft, harassment, defamation, and misrepresentation.

I did not authorize any agreement or contract with " LVNV FUNDING LLC., '' by my signature.

My Consumer Report has " NEGATIVE '' assumptions from LVNV FUNDING LLC., In-Which is Extremely prejudiced, highly damaging, and devastating to my livelihood and privacy.

U.S. CONSTITUTION ARTICLE VI : SUPREMECY CLAUSE This Constitution, and the laws of the United States which shall be made in pursuance thereof ; and all treaties made, or which shall be made, under the authority of the United States, shall be the supreme law of the land ; and the judges in every state shall be bound thereby, anything in the Constitution or laws of any State to the contrary notwithstanding.
Product: Mortgage

Searching for original loan agreement, unable to reach correct department at Bank of New York Mellon, this Bank is Trustee/holder of XXXX XXXX Trust. This Bank should have copy of note.
Product: Credit reporting or other personal consumer reports

I have followed all the required steps to dispute these accounts. I contacted the companies involved, and they assured me the issue was resolved. I filed a report with a law enforcement agency, which confirmed the validity of the identity theft report. Additionally, I contacted the credit reporting agencies, and both XXXX and XXXX have removed the accounts as legally required. 

However, for some inexplicable reason, Experian claims I haven't followed all the necessary steps. Despite submitting my claim to Experian, I keep receiving the same unhelpful response, alleging that the documents I provided are not valid. 

I urge the CFPB to closely examine this case, as it appears that Experian is failing to meet its legal obligation to process the identity theft report. The FTC, a federal law enforcement agency, has validated my report. This matter needs to be handled properly. The distress caused by this identity theft and my inability to access my credit is creating significant emotional and physical strain, affecting both my professional and personal life. I am at my wit 's end and have no other recourse. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.