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

Experian is not allowing me access to my credit report and score. 

I have had an issue with Experian unfairly loading my credit score after I applied with XXXX XXXX credit card services. 

XXXX XXXX and Experian both harassed me daily with credit pre approval invitation from XXXX XXXX and credit card match emails from Experian suggesting I apply with XXXX  XXXX. 

Ever since I applied with XXXX XXXX, Experian is unfairly and deceptively denying me access to me credit report and score. During this time I asked Experian why they decreased my score by XXXX points when I applied with XXXX XXXX they never responded and I gave not been able to access my account since. 

When I enter the CORRECT pass word Experian alleges it is incorrect. When I request to reset password Experian advised they are sending a text or call to my phone number. I never received the text or call. 

I feel Experian is purposely denying me access to my account because they are in cahoots with XXXX XXXX XXXX trying to destroy CERTAIN consumers credit. 

Experian needs exposure, investigating, and auditing. 

Please ask Experian why they are violating my fair credit rights and why I am being denied access to my credit report.
Product: Debt collection

**Explicit Language** XX/X/2017 - A repossession agent violated FDCPA working on behalf of USAA. On Wednesday XXXX XXXX, 2017 a repossession agent made contact with me in person at my place of residence. Repossession agent identified himself, his employer, and who he is working on behalf of ( USAA ) and the collateral after asking if I was the responsible party. He advised he was at my place of residence to recover the collateral. I said, " well its in my garage and I am not going to open it ''. He asked what do I think will happen if he goes back to his truck and tells USAA that I said, " XXXX XXXX '' ( implying that I was n't going to pay USAA ever again ( for the record the only thing I said to him was " well its in my garage and I am not going to open it '' at no time did I use explicit language ) ) to which I replied, " It does n't matter because am not dealing with this through you and you are not the one I am to pay ''. He then said he is just trying to help me. He said I can hide from repossession but " this will not go away and USAA will keep repossession efforts no matter how much I pay. '' He went on to tell me that he has multiple vehicles he uses to repossess with and not just the truck that is in my driveway ( attempt to invoke fear ). 

After hearing his last few sentences I started closing the door as I knew that his statement was in violation of the FDCPA by threatening endless repossession efforts unless intending to do so. With the door nearly closed he began direct profane language escalating in speed and volume primarily the " XXXX XXXX XXXX in attempts to humiliate and abuse.
Product: Mortgage

I was out of the US from XXXX XXXX 2023. On XXXX XXXX 2023, during my absence, my loan was sold to Roundpoint Mortgage Servicing XXXX. At about the same time my home insurance was cancelled without my knowledge. During this time, I received no communication from Roundpoint. Upon my return in XXXX and discovery of the cancellation, I immediately notified Roundpoint and worked with them and my insurance agency to immediately reinstate the insurance. 

Roundpoint has since purchased lender-placed hazard insurance retroactively for the past period when the insurance was cancelled. This insurance is significantly higher than going rates in the market. I would happily purchase my own insurance at a more reasonable rate if it were possible to purchase insurance for a period in the past. 

I believe this action by Roundpoint violates federal laws related to forced-insurance. I was never notified in a timely manner that I would be subjected to forced-insurance and when I did receive the notice, it was several months after making it impossible for me to take corrective action.
Product: Student loan

I am trying to pay off my XXXX  school debt. I originally started with XXXX XXXX and my loans were sold to NELNET. I have recently tried to pay off the remaining balance. Online payments are not allowed for " pay off '' due to accumulating interest creating a higher payment than what is actually owed. I called and had to submit additional payment of a dollar or so to cover the interest " while the loan payment is being processed. '' I am unable to just " pay off '' this loan today. I am frustrated. If interest is over what I have " paid in advance '' then I need to call back in a few days and make another " less than one dollar '' payment to cover. This is predatory and taking advantage of people taking out these loans. Payoff should be simple.
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 XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : DEPTEDXXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX and list of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXave 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 XXXX 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: Credit reporting or other personal consumer reports

Iam filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submission, XXXX consistently responds within 24 hours stating the account is accurate without providing any evidence of a through investigation. This practices violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. which mandates a reasonable investigation of disputes.Furthermore, XXXX actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBS recent administrative proceeding ( File No. XXXX ) against them for similar violations.I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX  Account Number : XXXX This is not mine. 

8. Identity Theft XXXX Account Number : XXXX This is not mine. 

9. Identity Theft XXXXXXXX XXXX XXXX Account Number : XXXX This is not mine. 

10. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

11. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

12. Identity Theft DPT ED/XXXX Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Debt collection

Hi. I used to own the properties associated with the utility debt but as soon as I sold them I closed the XXXX  XXXX  accounts my online portal for XXXX  XXXX  even shows the ending date. I tried to reconcile this back when the previous debt collector owned this debt but they said my claim was wrong and said I owed backed utilities through XX/XX/XXXX 7 months after I sold the property which is ridiculous which it is not the case I have closing documents on the property I did not even own it anymore. The new owner never turned on the utilities even though I shut them off from my end back in XX/XX/2021. Once XXXX  XXXX sold to XXXX  XXXX I believe they sold all the debt and now the debt collector is going after me for the balance cause I was the last person associated with the accounts. Unfortunately I paid one of the smaller collections for like XXXX because it was on my credit and I buy and fix property and it was preventing me from doing my job being on my credit. Everytime I call this debt collection company their number is busy there is not answering service and they wont respond to my emails. It is called national recovery agency. I need to get this resolved otherwise I will have to take it to court cause there is no one to help me fix the problem and I can not resume my livelihood if this hits my credit I wont be able to do a thing. Please someone help me get this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX, Transunion and XXXX several times. Most recently on XX/XX/. I asked for a contract and proof of debt. I did not receive any documentation of the this alleged debt until I filed a complaint with CFBF. 

My problem is with the verification of this account. How was the account verified as accurate as reported on my credit report? XXXX, Transunion and XXXX all allegedly completed it's investigation into the account it came back verified. XXXX XXXX provided me with an " itemized '' bill that I have never seen before. The bill does not have my correct address on it nor is it accurate. It has an address different from the address on my credit report and a different address from the driver license that they attached to the bill. The driver 's license belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, Texas XXXX however, the bill belongs to XXXX XXXX at XXXX XXXX XXXX XXXX XXXX Texas XXXX. My name is XXXX XXXX XXXX, I have never resided at XXXX XXXX XXXX XXXX, XXXX, Texas XXXX. This account has been mixed up or merged with another account. It is not accurate. 

Be advised that this IS NOT a dispute or another opportunity for you to reinvestigate the previous dispute. The period to conduct such a reinvestigation has expired and shall not be extended by law. In lieu of the disputed information, you willfully failed to conduct a reasonable investigation. As a result, please delete this account. Additionally, as per the FCRA, you are liable to me for damages for you conduct. In addition to deletion of the disputed account, you are demanded to send a check in the amount of {$1000.00} payable to XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my dispute regarding the hard inquiries on my credit report that were conducted without my explicit consent. After a thorough review of my credit file, I discovered two unauthorized inquiries into my credit history, resulting in hard inquiry entries on my Equifax credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Bait and switch tactic being used at Wells Fargo Bank. 

Offering a product then steering you to a more costly product
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill its legal obligations under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved ; the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to notify consumers of dispute outcomes adequately. These failures align with my experience, where Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Equifax 's inaction violates federal law and my rights as a consumer
Product: Credit reporting or other personal consumer reports

Please remove the following Fraudulent hard inquiries from my credit report : The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Here I attach, along with the dispute, my fraud report that I just sent to Transunion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : 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

On XX/XX/2022 I, the consumer and natural person, was denied credit by American Express when I applied for XXXX XXXX American Express Card. Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S.C 1691c and is subject to civil liability under 15 U.S.C 1692k. You are subject to criminal liability for violating 15 U.S.C 1691 as I have proof that I was discriminated against by American Express due to the response I received. American Express is in violation of 15 U.S.C 1642, U.S.C 1681m and 12 CFR 1002 because I the consumer made an application in good faith, but credit WAS NOT issued. Also my social security number ( credit card ) was used and I received NO benefit. This constitutes fraudulent activity ( unauthorized use of credit card ) on behalf of American Express according to law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi my name is XXXX XXXX and I am contacting you because all 3 credit bureaus are still sending my personal information to the wrong address as well as false reporting balances on my credit cards that I have already paid off but the credit bureaus are reporting that I owe high balances which is not true. I have been having issues with these 3 credit bureaus for yrs now and I would appreciate it if they were made to correct the mistakes I keep making them aware of. Let me first start by saying my correct mailing address is XXXX XXXX XXXX XXXX ny XXXX and this is the only place any response should be sent. Secondly my only phone number that should be on my credit report is XXXX any number besides this number is fraud. Thirdly the balances on my XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX card need to be updated with correct balances because the credit bureaus are reporting balances that are incorrect. Also there is several addresses on my transunion report that are fraudulent and do not belong to me and I would like removed. The only two address that should be on my report is my former address which is XXXX XXXX XXXX and my current address which is XXXX XXXX XXXX XXXX ny XXXX. Also my XXXX report is not showing my employer which should be on my report which is XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$2200.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}
Product: Vehicle loan or lease

I have an auto loan with Credit Acceptance that was approved in XX/XX/XXXX. I was making payments, and fell behind when the Covid hit and the community was, and still is on a stay at home mandate. The main concern is that I feel that the payment, interest rate isn't accurate. Maybe my interest rate isn't correct? There was an error on the odometer also when I initially purchased the vehicle. The Credit Acceptance was sending me letters for non-payment, even during covid, to pay the balance in full, then suddenly they wanted to settle for {$5000.00} I believe in XXXX, and at the beginning of XXXX they sent me a settlement letter that they would settle the debt for a little over {$6200.00}, reporting to the Credit Bureaus as settlement plaid less than full. The total payoff balance is {$33000.00} and the car is a XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I was applying for home loans in XXXX of last year. The lenders told me that they had a problem getting my credit information from Equifax. When I called Equifax they said that I would need to send in a copy of my social security card, driver 's license, and cover letter explaining the situation. I did that three times and after the third time I got a letter back saying that they could not do this because either I hadn't applied for credit recently, hadn't used credit in the last 10 years, or hadn't received a social security number. None of these are the case. I've called them countless times since XXXX trying to get the problem resolved but with no luck. I submitted a complaint with you all in XXXX of this year but I got the same letter back from Equifax, this will be my second time filing a complaint. I've tried all of the options that I know of. It turns out that someone else 's information is pulling up when they use my social security number. 

I have attached a photo of the letter that they keep sending me
Product: Checking or savings account

THE ALLEGED PERSON STOLE THE REAL XXXX XXXX IDENTITY AND SOCIAL security and bank information AND FOUND A WAY TO ACCES HER BANK ACCOUNT. HE PRETENDED TO BE AN XXXX INVESTOR FOR MY BUSINESS WITH A PROMISE TO LOAN ME XXXX OR INVEST IN MY BUSINESS UPON COMPLETION OF SIGNING NOTARIZED LETTERS AND MOVING FUNDS FROM HIS ACCOUNT INTO A JOINT SAVINGS. WE OPENED A JOINT SAVINGS ACCOUNT. HE THEN STARTED TO MOVE LARGE AMOUNTS OF MONEY INTO THE SAVINGS ACCOUNT. HE THEN ASKED THAT I MAKE WITHDRAWLS OVER THE COURSE OF 3 DAYS. HE THEN DISSAPPEARED AFTER I MADE THE REQUESTED WITHDRAWLS, AND GAVE HIM THE CASH, LEAVING ME WITH NOTHING AND MY CURRENT BANK ACCOUNT IN THE NEGATIVE, SUBJECT TO CLOSE IN 60 DAYS AND GET REPORTED TO XXXX XXXX. THIS IS NOT FAIR BECAUSE I NEVER HAD ANY INTENTION TO SCAM ANYONE OUT OF THEIR MONEY AND I WAS UNAWARE HE STOLE SOMEONES INFORMATION. HE PRESENTED TWO VALID FORMS OF ID AT THE BANK ( MILITARY ID AND DRIVERS LICENSE ) WHEN WE OPENED THE ACCOUNT SO I NEVER BECAME AWARE OF HIS SCAM UNTIL DAYS LATER AFTER THE ILLEGAL TRANSFERS AND WITHDRAWLS WERE BEING REVERSED AND MY PERSONAL CHECKING ACCOUNTS WERE FROZE. IT APPEARED AT THAT POINT THAT THE REAL XXXX XXXX WHO IS OLDER WOMAN WHO LIVES IN ILLINOIS OPENED UP A CLAIM AGAINST ALL THE TRANSFERS ( WIRES ) THE SCAMMER MADE FROM HER ACCOUNT INTO THE JOINT SAVINGS. I CAN CONFIRM I SAW AND HEARD " XXXX '' ON THE PHONE MAKING THE TRANSFERS FROM THE ONE ACCOUNT TO THE OTHER. IM NOT SURE HOW HE WAS ABLE TO CALL IN AND DO THAT OR HOW HE HAD HER INFORMATION. I WAS ABLE TO HEAR THAT THE ACCOUNT HAD AN AVAILABLE BALANCE OF XXXX AVAILABLE SO I BELIEVE THAT WAS SBA LOAN MONEY HE WAS ABLE TO SCAM.I INTEND TO OPEN A POLICE REPORT AND GET THIS INVESTIGATED BECAUSE THIS IS UNFAIR TO ME AND THE REAL XXXX XXXX. I AM A YOUNG ENTREPENEUR GETTING MY BUSINESS BACK OFF THE GROUND AFTER COVID. I TRULY BELIEVED I WAS BEING PROVIDED WITH AN OPPORTUNITY TO RECEIVE FUNDS OR A LOAN FROM THIS XXXX INVESTOR TO PUT INTO CATCHING UP ON BILLS IN THE REAR AND GET MY BUSINESS BACK UP OFF THE GROUND.I WAS COMPLETELY BLIND SIGHTED AS I THOUGHT ALL THE TRANSACTIONS WERE VALID CAUSE ALL THE INFORMATION THIS PERSON HAD SHOWED ME ON PAPER AND IN PERSON PROVIDED LEGAL PROOF THAT HE WAS THIS PERSON. HOWEVER I CAN NOT GET CHASE BANK TO COMPLY OR RELEASE ANY DOCUMENTS TO ME OTHER THAN THE BANK STATEMENTS SO I HAVE TO GET THE POLICE INVOLVED TO SUPEONA MORE EVIDENCE AGAINST THIS PERSON AND TRY TO RECTIFY THIS ISSUE. I AM IN THE WHOLE XXXX THAT I DO NOT HAVE TO GIVE.I FEEL AS THOUGH THE BANK WAS NEGLIGENT IN VERIFYING THIS PERSONS IDENTIFICATION THROUGH THEIR SSN. THE BANKER HAD ME COME BANK IN AND SIGN A FORM SSA-89 ( AUTHORIZATION FOR THE SSA TO RELEASE SOCIAL SECURITY NUMBER VERIFICATION ) BUT DID NOT REQUIRE ONE FROM THE OTHER INDIVIDUAL. I REFUSE TO ROLL OVER AND ACCEPT THIS AND LET CHASE PROSECUTE ME WHEN I TOO AM A VICTIM OF THIS FRAUD AND SCAM. I WANT A DEEPER INVESTIGATION. I HAVE NEVER BEEN IN ANY TROUBLE LIKE THIS BEFORE IN MY LIFE OR WITH ANY BANK.
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. 

Tracking numbers are as followed : XXXX XXXX XXXX Account names : XXXX XXXX : XXXX XXXX XXXX XXXX XXXX Credit XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN : XXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

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.