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

On XX/XX/2023 I mailed certified mail a notice requesting my Disclosure Pursuant 15 USC 6802 ( b ) you have failed to provide me with the required disclosures as per federal law. The law is explicitly clear that before a financial institution discloses any consumers non public person information they must give the consumer 3 disclosures so the consumer has an opportunity to opt out of having their information reported. 
Dpt EdXXXX knowingly, will fully and fraudulently withheld pertinent information to suite there own agenda, forcing me to comply illegally with you reporting my non public personal information to a non affiliated third party companies for your own benefits and profits, this was not equitable to me, my family or household. 
I AM ENVOKING MY SPECIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITH HOLDING MY DISCLOURES, Pursuant 15 USC 6802 ( b ).

PURSUANT 15 USC 6802 ( B ) I XXXX XXXX a living breathing woman hereby exercise my right and specified remedy to OPT-OUT of having this account with my non public person information reported.
Product: Credit reporting

As surviving spouse  I am having an extremely hard problem getting my late wife credit report from Equifax. I complied with original instructions of sending her certificate of death and copy of my license.  I received a letter from them stating I also need notarized order of probate court showing me as executor or testamentary that shows I handled my wife consumer affairs.  Neither of these XXXX documents exist. As residents of Pennsylvania none were required because, according to our estate attorney, everything from bank accounts, investment account to property, (house and cars, etc.) were jointly owned. Under PA law all assets were automatically and WITHOUT court orders become the owner of the surviving spouse.   After XXXX hours on the phone with Equifax they would not budge. They told me I am not entitled to see report unless I can produce a document that does not exist and never needed to exist under the laws of Pennsylvania.  Thankfully I have not had this experience with XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

XXXX Account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity.

A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( XXXX ) of that information. 

I appreciate your prompt attention to this matter, and await your reply.
Product: Debt collection

I have a report that i owe this apartment complex i never stayed there nor have i have visited i have always stayed in nc I'm not sure if this a mistake of identity of identity theft but please fix it i also filed with the XXXX  but no one has responded
Product: Vehicle loan or lease

I made four payments in the month of XXXX and XXXX. They only applied one payment. I sent them bank statements and have been trying to call them multiple times and every time after waiting hours they hang up on me!!

Theyve reported late payments for the last two months and my credit score has dropped XXXX points!!!
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXX PROFESSIONAL DEBT XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious PROFESSIONAL DEBT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re Portfolio Recovery Associates, LLC Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX . XXXX, XXXX, FL XXXX
Product: Credit reporting or other personal consumer reports

This company I had been with for years has went into my account and checked my information and denied me for credit. They call me all the time once I got them caught up from loosing a job in XXXXI don't want this company checking anything on me, my account is supposed to be froze and they still got into after the fact I said no.
Product: Credit reporting or other personal consumer reports

I noticed some unauthorized inquires on my report and in accordance to the FCRA. I would like this unauthorized inquire removed from my credit as soon as possible.
Product: Mortgage

I have a loss draft case opened for damage to my home/roof. Selene Finance, LP received a 2nd check for my account on XX/XX/2020 from the insurance company for the remainder of the work. This check was to be mailed to me to finish pay for the work that was done. Today is now XX/XX/2020 and the check still has not been mailed out. I have been given the run around this entire time from different representatives. I was told an inspection was needed. I have not talked to an inspector nor I have I received a voicemail from an inspector acting on Selene 's behalf. I explained to their employees several times that I work during the day and I would need a message to let me know someone is trying to contact me. I requested to speak to a manager during one phone call, after waiting for 20 minutes I was forced off of the phone because the representative said she could not tie her line up any longer. She assured me that a manager would contact me within 24 hours. This never happened. The file  owner, XXXX, who has only reached out once since XX/XX/XXXX, has been of no assistance either. When I finally talked to her after several weeks, she said the check would be released. It still has not been released. Every time I call its the same story, that I need an inspection. Apparently they use an outside vendor who they say is calling, however, they are not leaving a message. I explained to 4 different representatives and included on 3 different voicemails that I work during they day and can not answer the phone. I have to have a message to know who is calling and what number to call them back on. A company should not be allowed to hold monies that does not belong to them and feel no responsibility to adhere to rules or regulations. The roofing company has issued a lien against my house because the remainder of the money has not been paid for the work they completed. I have already paid my portion of {$1000.00}, the deductible, and I should not have to pay any more out of my pocket. As I am typing this I am on the phone with a representative  now, XXXX, who is great, however, unable to assist me. Again, a manager is unavailable. Another inspection has been ordered. The circle just continues.
Product: Payday loan, title loan, personal loan, or advance loan

Got to love from them in XXXX and they said they will contact me in XXXX they never did and they had aren't authorized permission to withdraw money without letting me know first I wanted them to contact me and let them know how much I wanted to take out every two weeks they automatically tak XXXX with out letting me know they never contacted me after that it's them taking it without me knowing they should have let me know before
Product: Credit reporting 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 accounts are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these accounts immediately : XXXX XXXXXXXX XXXX XXXXXXXX
Product: Debt collection

I began months ago trying to clean up my credit. Care Credit was a debt that showed as owed. I have contacted multiple times over the last 6 months to which I am given phone number after phone number. Each representative I have spoken with claims someone else has the debt. I have filed disputes through the credit bureaus to which this company verifies the debt but in attempts to pay it's the same run around. No one seems to know anything about this account. I am no longer willing to pay this account or continue to sit on the phone for hours trying to find it. At this point I would like the account written off and taken off my credit reports.
Product: Debt collection

I had my credit pulled on XX/XX/XXXX in order to obtain a loan. The lender informed me that I had a collection on my credit report. I was unaware that I had a debt, let alone that it had been sent to collections.The credit report states that this was a medical bill from XXXX XXXX XXXX in the amount of {$430.00} from XX/XX/XXXX. I called XXXX within a few days of finding out about this collection to inquire about the debt, and was told that the bill was from an emergency room visit in XX/XX/XXXX. At that time, I was under the impression that I was covered by XXXX. XXXX informed me on our call, this XX/XX/XXXX, that I was not covered by XXXX at that time and that my insurance had lapst about 2 weeks prior. After getting off the phone with XXXX, I called the collections agency. The collections companys name is USCB America. In an attempt to resolve the matter I asked if I can pay the debt and have the collection removed from my credit. They refused, so I asked to speak with a manager. A manager was not available at the time, so one was supposed to call me back. I waited about a weeks time and never received a call from a manager, so I called again. This time I was able to speak with a manager and was told that even if I pay my debt in full, they will not remove the collection from my credit report. I called again a few days later hoping for a different result, but was told again that even if I pay the debt in full, they will not remove the collection from my credit report.I was unaware of this debt, and I am trying to resolve it, but this collection company seems to want to punish me anyway.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence of XXXX XXXX XXXX ( mo ) XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

: Dispute of Collection Accounts on Credit Report I am writing to formally dispute the presence of a collection accounts on my credit reports. After reviewing my credit reports, I have identified accounts from XXXX for XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX etc reporting as a collection items. I dispute the accuracy of this information, and I request a thorough investigation into the validity of all collection accounts. I have not received any communication from original creditors regarding this alleged debt, and I am not aware of any outstanding obligation to them. Please provide detailed information about the accounts, including the nature of the debt, the original creditor, and the dates of any transactions. I also request validation of the debt, including copies of any relevant agreements or contracts. Would also like all items bankruptcy discharged in 2018 to be updated and/or removed. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the right to request verification of this debt. I also request that, during the investigation, the accounts be marked as " disputed '' on my credit report. I appreciate your prompt attention to this matter. Please inform me of the results of the investigation as soon as it is completed. Sincerely, XXXX XXXX
Product: Payday loan, title loan, or personal loan

I applied for a personal loan with one main financial. I applied through XXXX XXXX it stated I was approved for a loan amount up to {$4000.00} dollars. So I finished the application online and was called the next day stating I was pre-approved and that the final approval would be after the income was verified. But what stood out is they was telling me based on my hours of employment, SSI payments and vehicles collateral I could get a personal loan for {$15000.00} dollars. The SSI payment was off by {$200.00} and I assured the company I could prove the money will be reapplied in less than a week but the company said no they couldnt use it then my job had only given me part-time hours even doe they was able to call and verify that I was a full-time worker. So end result was I didnt qualify for any loan but they did a hard inquiry and knocked 61 points off my credit for a loan I wasnt approved for. This isnt fair because its the second time this year that the same company denied me of a personal loan even after I have a clear title of a XXXX XXXX XXXX and income.I feel I was discriminated against by the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and XXXX credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and delete from erroneous reporting in my file are listed on my credit report : WELLS FARGO HM MORGAGE XXXX Date Opened XX/XX/07 Balance : {$960000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect items was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/XXXX,, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXX, XXXX Balance : {$8100.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 or other personal consumer reports

I called Experian on XX/XX/2024 at XXXX XXXX and spoke with a representative named XXXX and he would not provide his last name. I asked him if he would remove some names on my credit report that were reporting incorrectly and he agreed. When I received the dispute back from Experian those names I asked him to remove were updated and not removed. This is a clear violation of 15 U.S. Code 1681 ( e ) which states : ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

By violating section 1681b for permissible purpose and 1681c for information contained in consumer reports they are also violating compliance procedures under this title.

They are also in clear violation of 15 U.S.C. 6802 ( b ) states : Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 
Also, I will be providing screenshot of of what they updated
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem that I have with Experian is that they do not have a way to reach a real person when you call. I have tried at least 3 of their published phone numbers ( during normal business hours ), and always get the same prompts with no ability to speak to a person. I have questions and need help with their report and fraud process, but no one is available. When you call, the automated system refuses to transfer you to a person even when repeatedly asked. I don't think a company should have this much information about me when I can't even call and talk to someone. It is a one-sided relationship in their favor.

1. I tried to place an extended fraud alert on my report. Experian sent a letter that I needed to submit extra paperwork, but I sent all of that in with the request.

2. They opened a dispute on one of my old accounts that I didn't request.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are reporting this account as 60 days late, However this account has been paid and it is closed therefore it should not be reporting as LATE. I have sent a couple rounds of dispute to your company but never saw any changes.
Product: Credit reporting or other personal consumer reports

i have identified information on my report that are a result of identity theft these account does not belongs to me XXXX XXXX XXXX # XXXX. and these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the Eviction history that is on my record should be empty due to the cases being dismissed, per the Judge noting should be on my Eviction history report because the cases was dismissed the company name is XXXX XXXX XXXX XXXX. Again the cases was dismissed they should not be reported at all. this is consumer Fraud because the case was closed and not to be opened nor shown on any record.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion displays innacurrate employer. I do not work for XXXX XXXX, neither have I ever. Correct employer is XXXX.
Product: Payday loan, title loan, or personal loan

I was charged for the flex shopper insurance plan on product never received they charged me {$4.00} every other week and I called to ask them how can you charge me for warranty on a product you never shipped nor have I ever received it they refused to give me my money and now I owe them {$16.00} for fees for extended warranty on a product never received or delivered they took the money directly out of my bank account and I was not aware of this since I never received the product. You can not charge someone warranty for a product that was never received then refuse to refund money you took for no exchange of merchandise and then put a person in the negative as owing money when they never got your product.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX I was never late on this account- Please check status on this account the past due information is wrong XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX This is not accurate. 

XXXX XXXX This doesn't belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I had a home that foreclosed in 2010. I had XXXX mortgages, the XXXX being a Home Equity Line of Credit through Bank of America. The primary mortgage was reported correctly to the Credit Bureau as " Foreclosed '' while the XXXX loan was reported as " suspended '' which keeps me from being approved for a home loan now. I called Bank of America and spent over XXXX hours and talked to over XXXX people. Each person told me the same thing ; that my HELOC has been " charged off '' meaning I no longer owe them money because of the foreclosure. However, each person stated that they did not have access to or the authority to provide or produce any kind of document to prove that this account was charged off. I was referred to XXXX " specialists '' who each stated that they could help me and would fax me or call me back. I have not heard from either XXXX, they do not answer their phones, they do not return phone calls. I was hung up on several times. I was even told that it was Bank of America 's error in not reporting correctly to the Credit Bureau but they still have been unable to provide me any assistance in providing this account is settled.