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

My husband and I keep our credit reports frozen unless needed. We are exploring getting a new home and called XXXX  and XXXX  to get our credit UNFROZEN. We got customer service people on the phone and had no problem. However, with Experian we can't even get a human on the phone at all. We found the web site and my husband managed to get his unfrozen online. Mine, however, would not work even using the pin number that had been mailed to me when we initially froze the accounts in 2017. I tried using the pin, not using the pin ( answering the security questions ) and it would not unfreeze. It said I had to MAIL it. We don't have time for that! Our credit union is checking the reports within the hour. Federal law says we should be able to unfreeze our credit within the hour but Experian is offering no phone service to solve this problem
Product: Credit reporting or other personal consumer reports

I contacted the company to inform them I was XXXX years of age and I was a minor. I also told them I was a victim of id theft, and that the entirety of my credit report including all inquiries and accounts were not mine. As a minor I should not have a credit report. I asked to have it all investigated and all information removed. I am now XXXX years of age as of writing this. The id theft occurred when I was XXXX years of age. I did not authorize anyone to add or create for me. The credit reporting agencies did nothing but delete a few things but everything should have been deleted. I provided all documentation such as ssn card, government issued id, ftc id theft report, and a local police report, I also wrote a letter addressing my concerns and what id like done to resolve this issue. but, again this company did not help. so now I write a complaint because at XXXX years old I should be building my credit. all the information is fraud and needs to be removed immediately.
Product: Debt collection

I have never done business with XXXX # XXXX, I am unaware of any contracts or sign statement with this company. I have no business dealings with them.15 U.S. Code 1692g ( e ) Notice provisions The sending or delivery of any form or notice which does not relate to the collection of a debt and is expressly required by title 26, title V of Gramm-Leach-Bliley Act [ 15 U.S.C. 6801 et seq. ], or any provision of Federal or State law relating to notice of data security breach or privacy, or any regulation prescribed under any such provision of law, shall not be treated as an initial communication in connection with debt collection for purposes of this section. There is a issue never had any notice not paperwork as to the transfer of title of ownership, who is this third party collections agency.Regarding this alleged account, if Debt collector is different from the alleged Original Creditor, does Debt Collector have a bona fide affidavit of assignment to enter into original contract between alleged Original Creditor and alleged Debtor?
Product: Credit reporting or other personal consumer reports

I've recently checked my credit report and noticed some false and inaccurate accounts reporting. 


UNAUTHORIZED INQUIRIES
Product: Credit card or prepaid card

see Attatched MERCHANT RESPONSE USAA just sent me XX/XX/2020 in regards to MY REQUEST FOR. ORIGINAL SIGNATURE. OF WRITTEN DOCUMENTATION OF ACCEPTACE OF DELIVERY AND PROOF OF MY PURCHASE ie. ( Picked Up @ Post Office OR DELIVERED INTO MY HANDS. ) AND IP TRACKING This USAA Provided see Attatched is NOT FROM XXXX BUT A 3RD PARTY???. Documentation with XXXX Heading. KINDLY NOTE ( 1 ) IP ADDRESS XXXX ** IS NOT MY IP ADDRESS. ** ( 2 ) THE SHIPPING ADDRESS XXXX XXXX XXXX XXXX XXXX ** IS NOT MY ADDRESS FOR DELIVERY. 
** Clearly, USAA DOES NOT CONDUCT ACCURATE FRAUD INVESTIGATIONS AND LEAVES CONSUMER LIABLE FOR FRAUD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XX/XX/XXXX - XX/XX/XXXX I have disputed multiple times to get the accounts deleted due to the company violating METRO 2 COMPLIANCE I have paid the balance to also get a pay for deletion, but XXXX is refusing to delete the closed account
Product: Debt collection

I moved out of my Florida townhouse on XX/XX/XXXX and provided XXXX XXXX with my forwarding address in case there was a final bill not taken care of by the security deposit. Rather than sending the bill to my new address in Texas, XXXX XXXX sent it to the same Florida address ( please refer to attachment provided via Helvey verification ). I made ample notification to the utility company of the cut off date along with my forwarding address. Nevertheless, I did not receive any correspondence from Helvey and Associates. Helvey proceeded to add a collection account to my credit report on or about XX/XX/XXXX. I was never given the opportunity to pay prior to their notation on my credit report for a {$250.00} utility bill. Its unethical behavior on Helvey as I never received notice from the company. Upon reviewing my credit report, I made the payment in XX/XX/XXXX after requesting verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c- 2 ), the Credit Bureaus are required to remove any items or information not later than 4 business days. I request an investigation and remove these items that appears in my credit report. Listed below are the items that i wanted to removed : 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 XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Portfolio Recovery Associates refuses to admit that the harm that they did when trying to collect a debt that was between 10-18 years old. As a debt collection agency they knowingly went to court, filed paperwork, got a default judgement, issued and was granted a wage garnishment order. Contacted my employer and was garnishing my wages.no matter what the total was This was on my employment file with the company. This garnishment was the reason I was denied promotions and salary increases because I was deemed a high-credit risk. Now according to Illinois appeals court ruling on XXXX XXXX that the statue of limitations on a credit card debt without a written contract is 5 years. And with a contract its 7 - 10 years they purchased the account in XXXX and started collecting the garnishment in XXXX. That's 17 years later. Re-aging a debt is also against the Fair Debt Collection Practice and Portfolio is well aware of the time line from start to finish even when they hired the law firm of XXXX, XXXX, XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to account with XXXX XXXX XXXX  which was charged off and sold to a debt collector in XXXX. The debt collector was XXXX XXXX XXXX, XXXX. I paid the balance in full and received a letter confirming that my account was closed/paid in full on XX/XX/XXXX ( attached ). I have filed a dispute with Experian to update my account. Experian only updated my account to show that it was placed in collection in XXXX of XXXX ( attached ), which makes matters worse. Additionally, XXXX  will not update my account information ( attached ). I have made all attempts to resolve this matter and will need further assistance.
Product: Checking or savings account

my grand son give me check for {$1600.00} i deposit it into my chase account after fund clear my chase bank closed my account never paid me my money they said they need to speek with my grand son check was clear money was taking by my chase bank refuse to pay me my money my grand son called chase 2 times they told him i should call not him to verify the check owner he is out the country most the time  date happen XX/XX/2018 check number XXXX claim number is XXXX with chase
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a XXXX for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted 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 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: Vehicle loan or lease

My husband and I took out a loan for a used care with Consumer Portfolio Services in XX/XX/XXXX. The terms of the loan were explained as a 72 month loan. During the course of the loan, we did extend the loan by changing the date and putting payments off to the end of the loan on several occasions. The loan was to originally mature in XX/XX/XXXX but was extended to XX/XX/XXXX. My loan is current and I technically have 3 payments left and late fees that we have accrued, that I can not and will not dispute. Once the loan matures and the late fees are paid, Consumer Portfolio Services states that I will still have an outstanding balance of over {$4000.00} of extra interest that has accrued due to the 10 month extension. 
After talking with the company on XX/XX/XXXX, they informed me that the extra {$4000.00} dollars accrued due to the fact that we have a loan that accrues daily interest. We were mis-informed about this when signing the loan back in XX/XX/XXXX. We were lead to believe that the loan would be paid in full once 72 payments had been received. 
We have already been charged an astronomical amount of interest due to CPS being a sub-prime borrower, and now they add an additional {$4000.00} in interest, that continues to accrue daily. We will never be able to pay this off, if the interest accrues on a daily basis. These subprime lenders are taking thousands of extra money from people that can not afford it to begin with. Our circumstances occurred due to a job loss and lay off, and we do not typically have this problem with paying our bills. I do not want to have to pay an additional {$4000.00} on top of what we have already paid. How can we resolve this without hurting my credit or having a repossession if we can not pay this extra?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX. Please block/delete the following inaccurate accounts and unauthorized inquiries reported in my credit report.
Product: Money transfer, virtual currency, or money service

I deposited three checks at a Wells Fargo atm On XXXX and XXXX  in XXXX XXXX Florida on XX/XX/XXXX 1 check in the amount of {$300.00} and the other two in the amount of {$150.00} each the atm machine did not deposit the checks or return them to me. I went into the branch made a claim after a couple days I called the banker that I made the claim with and she was able to give me a temporary credit until they could locate the checks and sort out the confusion. Fast forward to XX/XX/XXXX and they took the {$600.00} back and said that the claim specialist rejected the claim after two months!!!!! Two months?!?! During an epidemic where people cant work and are struggling to pay bills they decide to reject my claim?!?! They can offer me no information over the phone they can provide me with nobody that knows anything about whats going on and they cant return the checks.
Product: Mortgage

We have been working with a HUD certified counselor to finally obtain a mortgage modification or loss mitigation workout. The counselor has submitted a third party authorization to be able to correspond with the servicer Specialized Loan Servicing ( SLS ) on our behalf in order to facilitate the loan modification. The counselor has submitted the signed authorization on 4 different occasions, each with a follow up email and phone call, and each time they have done so the servicer, SLS has not responded that they have accepted the third party authorization, thus preventing the HUD counselor from being able to move forward in helping us obtain a mortgage modification, and save our home from foreclosure.

The servicer, SLS has been using these delay and ignore tactics for over a year now, and using them with the HUD counselor for 4 months as well, and causing a delay in the modification process, hence driving up the cost of our arrears.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent validation letters as per Section 609 FCRA. There's a debt showing that was removed from XXXX  and XXXX. I disputed the debt 3 times all coming back confirmed but yet no original signed wet ink signature anywhere only an initial which was digital. I have no recollection of this debt and sent validating letters showing it was removed from other credit bureaus for being invalid. This is my last step to resolve this before litigation is in sued. Thank you
Product: Debt collection

Hello, My complaint is about Amazon. I'm going to start at the beginning. 
I opened the Acct. in XXXX last year. They gave me {$600.00} limit. I didn't use the acct. until XX/XX/XXXX. I bought items that totaled {$44.00} and on the same day, I tried to charge {$77.00}. but it was declined, due to over the limit? I thought I had a {$600.00} limit, only to find out from them, that my limit was changed to {$100.00} without me knowing it. So I paid the {$44.00} on XXXX XXXX and Tore Up the Card. 
Then I find out, through my credit reports, that by lowering my limit, lowered my Credit Scores tremendously! 
Now I'm receiving emails that I owe {$140.00}?? I tore up the card, how could I owe? I called them and they told me my balance was XXXX. So I thought they fixed the matter. 
They sent my account to collections. I found out through my credit scores. I lost 60 points because of that! It took a long time to recover from their lowering my limit. This will take me forever! Besides, ruining my credit. 
Thank you, XXXX
Product: Credit reporting or other personal consumer reports

I came across the CFPB Experian lawsuit I feel I was negatively impacted hurting my chances at credit. After receiving response to my early dispute.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of account below had violated My federally protected consumer rights to privacy and confidentiality under 15 USC 1681. # XXXX, XXXX and XXXX has violated my rights. 15 U.S.C. 1681 section 602 A. States I have 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 instruction. 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 other then records of convictions of crimes which antedates the report by seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish my information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate. 


XX/XX/23 Ask all credit reporting agency to remove this report off my credit from XXXX XXXX XXXX for total of XXXX $ Transunion, XXXX, and XXXX but this company ignored my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the Public Records section of my TransUnion Credit Bureau report there are six negative records which say the reporting was by the Recorder of Deeds and the US Bankruptcy court. Letters were sent to TransUnion XX/XX/2012 and XX/XX/2012. TransUnion has indicated that these court entities have reported this. I have enclosed documentation which show the documentation from the court indicate there is no reporting by them to any credit bureau. The problem is that none of the information is accurate. TransUnion receives its information from XXXX who sells it to TransUnion Credit Bureau. This is a violation of the Fair Credit Reporting Act to report false information by claiming to get information from a Court when it is actually obtained by a 3rd party. 
TransUnion has claimed that this information has been verified. This is completely false information. 
I am sending copies of the court documentation sent to me as well as a list of the public records and dates that letters were sent to TransUnion disputing the accuracy of these records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX report incites information on my credit report. Those companies are reporting accounts that are fraud and not mine or are reporting inaccurate accounts that have been paid and closed as still open with outstanding payments and balances. They ignore or deny my disputes each time i request for fir them ro correct the inaccurate accounts. They ignored my request to freeze my credit report and put fraud alert and protection. Also their credit score reports are inaccurate or non existent nor consistent. This occurred from XX/XX/2019 to present. I have not received a credit report or score update from either credit consumer company. My identity was stolen and my information on the credit reports and accounts have been compromised. I can not access my online accounts at all. XXXX daye breach
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased my vehicle XXXX and I have decent credit. My credit rate was high I inquired and nothing was done. So I paid it off. Now when I purchased the car I clearly understood 4 years but it was over 4 years. I could not deal with the high interest that was on the loan.I called and spoke to someone to make a payment. I have been out or work since XX/XX/XXXX. So I call to pay XXXX and the XXXX man I spoke to on the phone wanted to know why I was late I couldn't understand because I have not been late nor have I missed a payment. So with that being said I did pay it off and have never been late. So I checked my credit and they had on my credit that my loan was outstanding .I called and spoke to someone and she said it was out of there hands that I will have to call XXXX myself I don't understand. I went on my credit XX/XX/XXXX and on that date my credit rating decreased. This is not fair I have worked hard to obtain my credit scores but with that being said I don't think I would have to do it my self. Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Theres no evidence to suggest a 609 letter is more or less effective than the usual process of disputing an error on your credit reportits just another method of gathering information and seeking verification of the accuracy of the report. If disputes are successful, the credit bureaus may remove the negative item. Any accurate or verifiable information will stay on your credit reporta 609 letter doesnt guarantee its removal.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Including accounts : XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX
Product: Debt collection

Sent a text message to a sibling of mine. Gave name of debt. My name was used and the reference number in the text message. My sister number has never been shared with this company or original debtor nor is connected with me. 

I have a screenshot of the text that was sent to a relative. 

That Phone number has never been used and solely is a relative. 

This was not an accident. Purposely sent a text to a relative with all information regarding a debt.