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

I was told by a rep over the phone with American Express that I would not incur a hard credit pull to simply add my nephew as an authorized user to my account. I didn't request a credit line increase, just simply wanted a second card. I submitted the request and the second card was issued along with a hard credit pull. I asked a second representative via American Express website and was again told a hard pull would not occur. I have pics of the chat! The reps name is XXXX and on XX/XX/2018 XXXX he said " You will not receive a credit inquiry for either requesting an upgrade, or adding an Additional Card Member to your existing account. However you may receive credit inquiry if you apply for a New card account. '' dispute the inquiry with the agencies, and send a polite letter to American Express asking the inquiry be removed and they sent a letter back on XX/XX/2018 and refused to do so. Can you help? Im trying to buy my first home and this is hindering me. Thanks so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my FTC report, Identity Theft Affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.
Product: Debt collection

Every time I call XXXX XXXX XXXX for a current account, they always ask me how I want to take care of paying 2 old, time-barred accounts, for which I have notified them and demanded that they cease and desist trying to collect on time-barred debt. I have advised them that they are in violation of Federal Law when they try to collect on those accounts, but they keep asking me how I 'm going to pay for the accounts. They also sent me letters for the debt from Servicing companies who were trying to collect on the debt that was first delinquent in approximately XX/XX/2005.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially sent a series of corresp

ondence to the Credit Reporting Agencies as well as the Actual Creditor. I am fully aware of how r
eporting works and found demonstration of non-compliance in accordance to the E-Oscar and Metro 2 format method ignoring to report. 

Please see attached documents of proof of me sending the letter. In addition to that, please note that they are neglecting my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ).

Original creditor is denying any misreporting to CRAs.

It is very urgent that you please investigate and resolve as this is destructive to my character and is obstructing my capability to obtain mortgage.
Product: Money transfer, virtual currency, or money service

I made a purchase of a smartphone which I never received. I had used PayPal to make that purchase just in case things went wrong because they have a buyer protection program. The merchant used USPS to have the package delivered. They supposedly delivered the package to my freight forwarding service on a day that they were not open, XX/XX/. That was the information reflected on the USPS tracking website, but the freight forwarding company could not have possibly received this package if they were closed. At first, I had attempted to get a resolution from the seller themselves, however they simply cast blame on the freight forwarding service. Then I created a dispute on PayPal. I even went as far as having verifiable representatives of USPS send me written notice that the package was mishandled and misdelivered. PayPal was attached to the email for visibility into everything. However, PayPal called the customer service number for USPS which is simply reps from other countries contracted to provide customer service, to verify the authenticity of the letter. I would know having been one of these reps myself. We usually do not have access to information about delivery scans so we will always tell you exactly what is shown on the website. Since the PayPal escalations handler, XXXX, was attached to the email thread that included the letter, they could have simply collected the direct number and extension of the USPS Manager of the XXXX XXXX, XXXX XXXX, to verify the letter. And now I am left with no satisfaction.
Product: Credit reporting or other personal consumer reports

XXXX provided a copy of my credit report to multiple companies without my authorization : XXXX XXXX on XX/XX/XXXX -Ally Financial on XX/XX/XXXX -Bank of America on XX/XX/XXXX XXXX XXXX XXXX  on XX/XX/XXXX As such, it is a very serious error in reporting. I never authorized such action, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.
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. 

I told the Experian, and XXXX to reinvestigate this account : XXXX XXXX  : # XXXX. 

However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case I wants this account deleted ASAP!!!!
Product: Debt collection

My complain is that financial recovery services inc address XXXX XXXX XXXX XXXX XXXX XXXXXXXX there phone is XXXX XXXX tge first frs file number is XXXX it charge off XXXX  the debt is from XXXX credit card and the second debt file number is XXXX that charge off XXXX, XXXX the debt is from XXXX what XXXX collwction agencey is trying to do is plannig to share my in d ormation to a third party planning to filed a civil judgement gor a very old crwdit card debt from XXXX. I, have a letter saying that thwy will not sue me because of the statue of limitatios but what, thwir doing illegal is trying to filed a lein or judgement to tryiny to sue this way and keep harrassing me
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, FLAGSHIP CREDIT ACCEPTAN add a hard inquiry on my credit report. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Incorrect Address Information on My Credit Report To Whom It May Concern, I am writing to formally dispute the presence of incorrect addresses listed on my credit report. These addresses are not mine, and I am requesting their immediate investigation and removal to ensure the accuracy of my personal information, as required under the Fair Credit Reporting Act ( FCRA ). 

The following addresses appearing on my credit report are incorrect : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX My actual and current address is : [ Your Correct Address, e.g., XXXX XXXX XXXX XXXX, XXXX, AZ XXXX ] Maintaining incorrect address information on my credit report can lead to confusion, misattributed accounts, and potential violations of my rights under FCRA 1681e ( b ), which mandates credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy of consumer reports. 

I request the following actions : Immediate Investigation : Review the incorrect address information and confirm that these addresses do not belong to me. 

Correction or Removal : Remove all inaccurate addresses from my credit report. 
Written Confirmation : Provide me with written confirmation of the changes made and an updated copy of my credit report reflecting the accurate information. 

Please complete your investigation and respond within the 30 days required by the FCRA. Ensuring the accuracy of my credit report is essential, and I appreciate your prompt attention to this matter. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I should start out by saying that I filed a complaint with XXXX  XXXX XXXX Washington DC & XXXX Pennsylvania, # XXXX. I have been trying to take an early withdrawal of a cd  since XXXX. On XXXX I called to verify and was told that the transaction where I close the cd and have funds transferred to an account at another bank ( all information on file ) was in process. I sent a few messages, they reply after a few days telling me that it is in process. Yet it is XX/XX/17 and the cd still shows active, funds have not been transferred. There are 60 minute wait times when trying to call them.
Product: Prepaid card

I received the gifts 1.5 years ago. 

I used some of each card and have not been able to use the balances. I called Amex and after waiting a long time they said the cards were good. 

On XXXX. I confirmed online that the balances were available. 

XXXX. I tried to use the card and it was denied. 

One card there is a {$23.00} balance The other card has a {$180.00} balance.
Product: Credit card

Why isnt this case being investigated properly why is a seller getting away with this? I need you to look into this further take your time no rush the look at the tracking number when it was generated it does not go with this order. 

Now look at the XXXX $ why isnt the seller providing the tracking for this? 
I will not pay you guys another XXXX on that pay in 4 until you have the seller give you the correct tracking that belongs to this order.My final decision is not do business with you guys if your going to treat a person that's been with you 8years like this I had supervisors type up stuff stating tracking was generated XX/XX/XXXX look closely at the XXXX item I was bought at that time I signed for it at postal service. 

XXXX Transaction date XX/XX/XXXX XXXX Transaction Date XX/XX/XXXX XXXX XX/XX/XXXX XXXX Transaction date XXXX XXXX Transaction date XX/XX/XXXX XXXX Transaction Date XX/XX/XXXX How can one tracking number belong to these Transactions that were ordered at different times. 

You Guys denied my case and allowed a company to attach the same tracking number which was generated in XX/XX/XXXX so how can this evidence go unnoticed. 

Also the company in a email sent to me admitted that items were turned over to authorities due to copy infringement so how could I have a letter from customs stating they have seized my items for counterfeit i had to pay a fine and forfeiture of goods. 

So XXXX attached the tracking number to the lowest cost item and runs away with my money.Denied 4x for item not as described reason denied item recieved.So when I person received a item puts in a dispute for item not as described how come its denied as item recieved tracking provided. 

YOUR INVESTIGATORS FAILED ME THEY DID NOTHING TO PROTECT THE BUYER UNDER BUYER PROTECTION. 

I NEED SUPERVISORS OR SOMEONE TO PROVE TO ME HOW XXXX ITEMS CAN PURCHASED DIFFERENT TIMES HAVE THE SAME TRACKING NUMBER AND PAYPAL ALLOW THIS AS EVIDENCE. LOOK AT THE PURCHASE DATES THAT TRACKING NUMBER CANT GO TO ALL THOSE ORDERS I WANT THE EVIDENCE THAT YOU HAVE IMMEDIATELY SO I CAN RETAIN LEGAL ACTION BECAUSE THIS HERE IS FRAUD
Product: Mortgage

I XXXX my application, appraisal and money order to Nationstar to have 20 acres of property released from my current mortgage on XX/XX/2021. After not hearing anything back about receiving the application, I called and was told the application with the appraisal was received and the money order was cashed. I followed up with multiple calls and never got an email response from the agent handling my account. On XX/XX/XXXX, I received my first and only correspondence to date from the agent. In this correspondence there was an appraisal request in reference to a property that was not mine. It was a different customers name and information in a different state. I immediately replied letting the agent know and reminding them that they had my appraisal and even directing them to the page that stated the land value appraisal. I never received a message back. I have called 3 times and I have sent emails, the call center people have also emailed the agent each time on my behalf. They do not have anyway to get into phone contact with the agent and I have asked if I can speak with someone in her department, but they are unable to. 

This process is holding up our construction and the lack of communication and poor customer service, from the agent is unacceptable. The call center people have been great, but are not given the tools necessary to help. If I knew this was going to be so poorly handled, I would have refinanced with another company.
Product: Credit reporting or other personal consumer reports

# 2 These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.

# 3 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again.

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 

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

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

The CFPB has sued Experian for unlawfully failing to properly investigate consumer disputes. Experian has violated the FCRAs requirements for handling disputes by Conducting sham investigations that fail to properly address consumer disputes and Improperly reinserting inaccurate information on consumer reports.

The CFPB also discovered that Equifax ignored consumer documents and evidence submitted with disputes and is suing them for {$15.00} XXXX in damages. Equifax has allowed previously deleted inaccuracies to be reinserted into credit reports, provided confusing and conflicting letters to consumers. I believe TransUnion is in violation of similar federal laws.
Product: Vehicle loan or lease

Disclosing my personal information I wasnt provided Options to opt out.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information A financial institution shall not disclose, other than to a consumer reporting agency, an account number or similar form of access number or access code for a credit card account, deposit account, or transaction account of a consumer to any nonaffiliated third party for use in telemarketing, direct mail marketing, or other marketing through electronic mail to the consumer. I want information updated with paid as agreed
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking through my credit profile on XX/XX/XXXX and trying to get my credit back in good standing. I noticed to inaccurate things that were fraud and never authorized by me. I got 2 hard inquiry XX/XX/XXXX by XXXX XXXX and one from XXXX XX/XX/XXXX. I never requested these cards/loans or did any type of business with them on that day that my score needed to be ran.
Product: Credit card or prepaid card

I referred my friend for the XXXX XXXX XXXX XXXX XXXX XXXX Credit Card on XX/XX/2017. American Express had a program that promised me XXXX XXXX XXXX points if that referral was approved. The referral was approved on XX/XX/2017. I've reached out to American Express many times and they keep saying to check back in a few weeks. It has now been 16 weeks and there has been no resolution. I have given them the opportunity to fix this, but they keep stalling and telling me to check back later.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit card or prepaid card

I bought music equipment from the merchant. It was several items. They sent in two separate shipments. One shipment arrived and one shipment was returned to the merchant. The merchant will not credit me for the items I didn't receive and they will not respond to my requests for a refund. Paypal Credit/Syncrhony Bank will not help me and refuses to chargeback the merchant. I have sent proof from XXXX that the merchant received the items back and I supplied emails stating the merchant would refund me upon receipt of the items. Paypal credit has denied my dispute 3 times now and will not provide me with a reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out this week that XXXX  has been submitting my credit report information to Comenity Bank twice a year for no reason what so ever. Since XXXX  has done this, my credit limit has been lowered on two of Comenity Bank 's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX  and XXXX ( both are Comenity Bank Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what XXXX  had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, XXXX  did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.
Product: Checking or savings account

I had {$2000.00} removed from my bank account. I called Wells Fargo when I noticed and they told me the transactions never went through and that it was pending but it would be back in my account. They filed a claim for me and said I would be called back but they never called me. They closed my account and opened up a new account for me but never sent me my new debit card. I called them again 3 more times and they said they closed my claim for reasons Im unaware of. I wasnt even aware they closed my claim because they emailed me XX/XX/2023 telling me they were still processing the claim, but when I called they said they closed it on XX/XX/2023. They said they sent me a letter but never did, I requested documentation and still havent received it. Im a college student with credit card payments to pay as well as rent. I would never authorize {$2000.00} being pulled out of my account. You could clearly tell on my statement that the charges werent from me and the workers noticed that as well. I wasnt even aware that much money could be pulled out of my account in one day because I had alerts on my account that would notify me if {$500.00} was even pulled. Never once did I receive an alert and I was told that theyd be able to issue me a credit for the money that was pulled but I never received one. I would like my {$2000.00} back and I would like to switch over to another bank.
Product: Credit reporting or other personal consumer reports

I have followed every required step to dispute inaccurate items on my credit report, yet they remain uncorrected. This situation is unacceptable and must be resolved immediately. 

I strongly believe these discrepancies stem from a data breach and demand their removal without further delay. 

The Fair Credit Reporting Act ( FCRA ) exists to prevent situations like this, where consumers are subjected to unfair and inaccurate reporting. Allowing these errors to remain is not only a violation of my rights but is also harming my financial well-being. 

Immediate action is expected.