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

I have recently filed a dispute with Experian regarding a company by the name of XXXX XXXX and in my dispute I asked Experian to provide me with original documentation requested that will solidify that a debt is owed by me. Experian could not provide me with that documentation, so instead they removed the account from my consumers report. Experian have now just added this company back to my consumers report and I have disputed this account and they deemed it as verified this time, without providing me with the original documentation that will solidify their reasoning in deeming it as verified. I have no signed contracts or agreements with this company, Experian is leading me to believe they did an improper and incomplete investigation, because he WILL NOT PROVIDE THE ORIGINAL DOCUMENTATION THAT WAS REQUESTED.
Product: Credit reporting or other personal consumer reports

my information was involved in a data breach and incorrect information had been added to my account
Product: Debt collection

On XX/XX/2024 my car was stolen from my yard by a third party that Exeter XXXX disclosed my information to without my consent. Any contract signed was null in void once the fraud was determined. No judge has given the order to come and take my property that I signed for. 

This action was conducted without any prior judgment by a court of law, as required by federal regulations, and constitutes an illegal repossession under XXXX XXXX. XXXX and other applicable statutes. 
Under XXXX XXXX. XXXX ( XXXX ), it is explicitly prohibited to take or threaten to take any nonjudicial action to effect dispossession or disablement of property if there is no present right to possession of the property claimed as collateral through an enforceable security interest. To my knowledge, no such enforceable security interest has been established or adjudicated by a judge, thereby making the repossession of my vehicle unauthorized and illegal. 
Furthermore, XXXX XXXX. XXXX prohibits debt XXXX from contacting consumers without the consumer 's prior consent given directly to the debt collector, or the express permission of a court of competent jurisdiction. I have not provided such consent, nor has there been any court order authorizing contact or repossession. 
Additionally, the Fair Debt Collection Practices Act ( FDCPA ), codified at XXXX XXXX. XXXX et seq., protects consumers from abusive practices by debt XXXX. The repossession of my vehicle without a judicial order violates my rights under this act. Specifically, the lack of a court judgment regarding the repossession contravenes the provisions outlined in XXXX XXXX. XXXX, which requires debt XXXX to provide validation of the debt and obtain a judgment before taking any action that affects a consumer 's property.
Product: Mortgage

It has been brought to my attention that my father has been paying for XXXX homeowners insurance policies with the company called Freedom Mortgage and I believe that they are taking advantage of the elderly. I have attached the letter. Stating that he gives me permission handling his accounts with Freedom Mortgage letter is attached. I also attached proof that he has been paying for XXXX homeowners policies, XXXX through. XXXX XXXX and the other one is XXXX XXXX. I have called XXXX XXXX and had cancelled them and stated that they will need to refund the payment from XXXX for the year 2023 and 2024. I also submitted a letter to Freedom Mortgage asking them to opt out of the escrow and they have declined. My dad has been a client with them since 2017. And has not been laid on any payments. There is no. Information. Regarding why they declined to cancel the escrow, but I believe it's to continue. Raising his payments, which originally was {$1500.00}, {$1600.00} and now {$1700.00} within this year almost {$1800.00} a month. I'm wondering if there's any way that you guys can help so that he will not have to continue paying this escrow. We will be able to handle paying the insurance and property taxes ourselves without the help of freedom.
Product: Checking or savings account

I had been in XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX due to a XXXX XXXX XXXX  capital one advised me to contact them between XXXXXXXX XXXX and extenuating circumstances. It's obvious that wasn't the most important priority on my list.. 

A week later, my accounts are closed with no explanation and they refused to let me reopen my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested Experian, on numerous occasions, to update and correct my credit report. Experian has refused to further investigate my dispute after I have provided supporting documentation. Additionally, no source of verification has been provided. 

I received a reference number from XXXX XXXX # XXXX XXXX that my information has been updated with correct information. I spoke with Account Manager XXXX XXXX on XXXX XXXX 2017. He can be reached at XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under law 15 usc 1666 & under FCRA they arent allowed to report this on my credit report.
Product: Credit reporting or other personal consumer reports

I have been getting random emails from a company called XXXX for months, which all say that the application was sent from a different company that I have never heard of. I have not authorized a single application that has been sent to them, although when they did approve one of them after months of doing this and denying all of them for different reasons, I decided to see what would happen if I played along with them. That one was then denied. 
XX/XX/year> was the first email that I received saying that they were working on an application, which I replied to saying that I did not fill any application out. I mentioned that I have been a victim of identity theft, and sent them a notice to furnisher from the FTC. That email bounced back, as the " XXXX XXXX XXXXXXXX '' Email is a redirect to " XXXX ''. 
I have called in several times to be hung up on by an automated assistant. 
I finally did reach them today, and they stand by all of the applications that they are processing without my approval. They all say the same thing that their emails say, that they know that it is frustrating but they have their processes ( Which are largely illegal ) and can not say any more but that they are protecting themselves. 
I would say they should be protecting themselves because they are a massive fraud factory pumping out hard inquiries, 5-10 a week and multiple at a time. I asked what time they received 3 applications from over a week ago that they just emailed me about, and was given a time span of 1 minute. I said " so that is clearly not something that I would do. How are you allowing 3 applications to be processed at the same time under one account number, that I can not log into without auto submitting more applications? '' ( That is another point, every email references the same account, that is not an account. Not one that can be logged into without autosubmitting another application. ) I was told, of course, that they know that it is frustrating to have hard inquiries, but that I can trust them that they are only acting in their own best interest. Literally. I recorded it but accidentally had another program open and on mute so the recording is ruined, but they literally tell you that they are only operating in their own best interest. 

I '' ve attached every email that I '' ve received and sent since XX/XX/XXXX. I will be filing a police report for identity theft, and fraud, and am going to do my best to report this to any other agency that may be able to look into this racketeering scam that only exists for some reason as far as I can tell to run credit inquiries over and over again.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Student loan

I have taken a loan from Sallie Mae during my time in college. After college for a while we were pay to the monthly loan because it was like {$100.00} to sometimes {$200.00} a month. My co-signer at the time was able to pay for me and sometimes I was able to pay for myself. I gotten back into school to do half-time to continue to have low monthly payments from Sallie Mae . The half-time student with XXXX XXXX lowered my monthly loans for about two years give or take. Recently within a half-year the monthly payment went up to over {$1000.00} per month. I was not to pay for it because I do not make enough money to pay {$1000.00} per month with the monthly rent and things I have to pay to live and survive. My co-signer is on a fixed medical income and retired she is not able to pay that much for herself. We have been calling Sallie Mae off and on every other month to this day trying to lower it to the original {$100.00} or {$200.00} a month but they keep saying they can't help me and can't lower it. Now they want over {$2000.00}, and they can only lower it to still {$1000.00} even when I asked them and explain I don't make that much per month with my jobs.
Product: Debt collection

This company has been sending communication for the past couple of years. I made an attempt to pay the debt without knowing if I owed it. After speaking to various representatives and receiving different amounts I requested validation of debt. I never received validation of debt then ; so I then requested the debt be removed and all communication to cease. I also filed a complaint with the XXXX because I continued to received bills and phone calls. I sent a letter to the company to cease and desist. I recently checked my credit again and Wakefield continues to report a debt. I have recorded phone calls and copies of letters sent to the company. I 'm sure the XXXX also has transcript of what the company stated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection accounts are not mine. They were open fraudulently
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent letter with attached application, copy of passport and utility bill to LexisNexis/XXXX over four weeks ago asking for annual disclosure. I called on XX/XX/XXXX to ask for the status of my disclosure. They only acknowledge receiving it on XX/XX/XXXX with no other information as to what is taking so long. I was told a " ticket '' would be put in for more information. 

They claim it was sent out on XX/XX/XXXX. No report has come in the mail yet. 

LexisNexis has a history of failing to send reports, taking a long time to process requests and ignoring complains from me. 

See previous complains : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their own grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy. '' XXXX and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( XXXX XXXX XXXX ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( XXXX XXXX XXXX ) the financial institution and the Consumer reporting agencies XXXX and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, ( XXXX XXXX XXXX ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( XXXX XXXX XXXX ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also, 12 CFR 1016.7 states that " A consumer may exercise the right to opt-out at any time. '' I am opting out of your reporting services.
Product: Checking or savings account

I was texted on XX/XX/2021 from a phone number stating that he was the CEO of the company that I work for and required me to an urgent task. He asked me to get XXXX gift card in XXXX, XXXX, or XXXX for the amount of XXXX {$500.00}. Only XXXX gift card of {$500.00} could be purchased initially in the first XXXX Pharmacy store. I had to get XXXX {$100.00} in the same store. Then, he asked to send him the code directly. After XXXX purchase of gift card totaling {$1000.00}, he asked me to go back to the store to get XXXX {$500.00}. I was only able to get XXXX {$500.00} gift card in the same store. 
So, he asked me to go to another XXXX store to the remaining {$500.00} gift card. I went to the XXXX XXXX store and was able to get {$500.00} gift card. Now, it was totaling to {$2000.00} of gift cards. After the completion of the purchase, he asked me to get more of XXXX {$500.00} in that second XXXX store. I went back, but the sale agent informed me that I can only purchase XXXX timer per store. I went to the XXXX XXXX store to get the XXXX {$500.00} gift card, but the sale agent printed the receipt that it only allowed {$2000.00} gift card purchase per day. So, then I went to XXXX store to get XXXX {$500.00}. When I was there, I was asked to get XXXX {$500.00} instead of XXXX {$500.00}. So, I purchased the XXXX {$100.00}. Each time after the purchase, he always asked to send him the gift card code directly. I did that each time. I had some doubt in XXXX that it was the CEO of the company and called him. However, he told me that he is in a conference call right now and will call me back in XXXX min. I also told him my concern over the text that this is really him. He told not to worry that this is him, XXXX XXXX. After I sent him all the code of XXXX gift cards, he told me again that XXXX cards didn't work. So, I finally texted my coworker XXXX and asked him whether the phone number of the person texting me is XXXX 's number. He told me that it is not what he saved in his phone book. So, I finally realized that I was scammed and stolen from the person texted me.
Product: Prepaid card

GRID site says due to banking issues with there partner don't add money. It has been like this since XX/XX/2024. I can't use it and it seems like something illegal is happening. It's also asking me to sign off on a higher credit limit, but can't pay them at all. I need this removed off my credit, we are in XXXX and I can't contact them and they have all my personal information.
Product: Money transfer, virtual currency, or money service

I interviewed with XXXX on XX/XX/XXXX and was hired as XXXX XXXX XXXX on XXXX. I spoke with XXXX XXXX, VP of HR via the XXXX XXXX  for the duration of the hiring process. 
After being notified of my hired status with the company, she had sent me on-boarding paperwork to sign and date. Once that was completed, she had sent me a check and asked me to contact their vendor to purchase my home office supplies ( XXXX XXXX, etc. ). She noted that their private vendor would assist in personalizing my computer to accurately do my job. 
Two payments of {$500.00} were made via Zelle ( XXXX total ) to their vendor, XXXX XXXX. After that, XXXX XXXX tone changed and I realized that this situation might have been a scam. I contacted my bank, XXXX that same day. 
I also spoke with a Zelle associate who assured me that this situation seemed to be fraud and would be investigated, as well as my local police. 
On XX/XX/XXXX, I had received a letter in the mail stating that based on their investigation, my dispute was denied.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX Balance : {$11000.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$160.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I 'm filing this complaint because Experian has ignored me request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this manner as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$720.00} XXXX XXXX XXXX XXXX T Y ), XXXX XXXX XXXX  ( Date Opened : XX/XX/XXXX, Balance : {$580.00} TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( Date Opened XX/XX/XXXX, Balance : {$44000.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$300.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$500.00} ), XXXX XXXX XXXX ( XXXX, Open Date XXXX XXXX, XXXX, Highest Balance : {$29000.00} ), XXXX XXXX ( Account Number XXXX, Date Opened XX/XX/XXXX, High Balance {$570.00} ), XXXX XXXX XXXX XXXX ( XXXX, Open Date XX/XX/XXXX, Highest Balance : {$26000.00} ), XXXX XXXX XXXX XXXX ( Account Number XXXX, Open Date XX/XX/XXXX, Credit limit : {$500.00} ). Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Employer - XXXX BENEFITS Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA, XXXX Incorrect XXXX : - 1997 Employer - NOT PROVIDED Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA, XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, GA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX  Listed below are the Collections that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS OR XXXX XXXX TRAFFICKING. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Their are two incorrect accounts that are reporting on my credit reports, that impacting me poorly. 

XXXX XXXX XXXX {$320.00} XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$880.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I realize I have hard inquries on my report that I did not approve of nor had any knowledge about the companies. Included are the following Capital One - XX/XX/XXXX Capital One - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Capital  One - XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XX/XX/XXXX