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

I have made 5 yes 5 complaints against Experian with the CFPB this would be the 6th. They have never responded to my complaints stating : " your reinvestigation does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on the request. '' I have been sending mail to them for over a year and have recorded phone calls of them stating that they confirm these accounts being Paid In Full in XXXX. Bankruptcy and credit accounts on report validation request are also ignored and I send them certified with a bill and copy of my ID. Experian has stalled for long enough. Please see previous complaints below and review all documents sent to experian directly by me. I have also attached my XXXX paperwork, bank document, a photo taken today with me holding a note to experian, my Ohio Drivers License, NC ID, Unemployment documentaion that came today and other mail sent to me today confirming I am me. The call I recorded is also attached in the previous complaints made but will not load to this one. There are so many documents that all can not be loaded due to the MB allowed. I will be willing to send them by mail or email if needed. 

A complaint was filed with the FTC on XX/XX/XXXX as well as the XXXX   on XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is NOT a duplicate report and this is not filed by a 3rd party or Credit Repair Agency. In Accordance with the Fair Credit Reporting Act XXXX  these accounts below has violated my rights according to 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 an account without my written instructions.

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Furthermore, please provide the following : 1. The Original Contract With My Signature On It 2. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) 3. The Payment History and Itemized Billing Associated With Each Account 4. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can not provide these four things please delete these accounts from my credit report. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX 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 card

1. Since XXXX XXXX, I have disputed an unauthorized charge with Capital One for {$630.00} ( which has now increased to {$870.00} with interest ). 
2. The transaction was initiated by a local mover, XXXX XXXX XXXX Maryland. 
3. The mover was given my credit card number to " hold '' my spot for a specific moving date. ( XXXX ). 
4. XXXX provided a quote but no bill of lading, as they are required to do. They provided only a quote, which says on page XXXX XXXX attached ) : a. " Payment type : Balance due to be paid in cash only, at destination before relinquish goods and values. '' ( attached ) 5. Upon conclusion of the move on XXXX, I paid the XXXX daylaborers in cash -- and I even withdrew extra ( Bank verification attached. ) so that I could include tips. 
6. I asked for a receipt, which they are required to provided, and they refused to give me one. I just wanted them to leave, so I let it go. As a single mother, it is intimidating and scary to have XXXX XXXX and their XXXX day helpers demanding payment and not leaving until they were paid. 
7. After the movers departed, XXXX XXXX charged my CapOne card again -- so I paid twice. 
8. I reported it immediately to Cap One. No due diligence was conducted as required by FCRA. 
a. CapOne ignored the papers and receipts sent previously. 
b. Since then, I have sent numerous letters and called many times to request proof that due diligence was conducted. They offered NO proof the charge was authorized!! 
c. When I call CapOne -- there is no one I can speak to about this account to resolve the issue. The call center staff have said the issue is too dated and ca n't help me. Each time I wrote a letter, they wrote back and said the account is in dispute as recently as XXXX XXXX, but nothing has been resolved. 
d. I 've sent the baclground information to them five or six different times to date. 
9. Because of CapOne 's negligence to conduct a thorough investigation, my credit has been impacted. 
10. My FICO in XXXX XXXX was over XXXX and because CapOne has now placed this outstanding amount in collections, my FICO is below XXXX. 
11. Now the collector is taking me to court and incurred legal fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX
Product: Credit card or prepaid card

I reported that my credit card had been stolen on XX/XX/2022. Bank of America sent me a new card on XX/XX/2022 and I never received the card. No purchases were made on my account since XXXX because I did not have a card. On XX/XX/2022 fraudulent purchases began to show up on my card statement up until XX/XX/2022. I noticed it and reported the fraudulent purchases and all of my money was returned from those purchases besides one transaction on XX/XX/2022 for {$460.00}. I did not have possession of this card at all. I never received the card. I was told that my chip was read, my pin was entered, and/or I signed for the merchandise or service, which indicates I or someone I allowed to use my card was present. This is not possible. I did not have the card and this transaction took place during the time frame where the fraudulent transactions were taking place. Someone may have signed for the purchases and it was not me. I never had possession of the card. I called bank of America to get it resolved nothing materialize.
Product: Debt collection

I received no notice from MBA Law regarding a medical debt that accrued in XX/XX/XXXX, nor did I receive any notice from XXXX XXXX where this supposedly originated from. I did not receive a single phone call nor did I receive a single notice in the mail or anything electronically. I check my credit report frequently, and recently there was a collections account placed with MBA Law stating that I owe {$1000.00}. To my knowledge, this debt was settled in full in XX/XX/XXXX - I have proof of payment. I have contacted MBA Law 5 times, asking that a representative with their company contact me regarding this matter and to provide proof that this debt is in fact owed. I have not received one response from MBA other than them finally sending me a PDF that overviews the debt. I have asked several times for further proof and if it is in fact mine I will then negotiate. I want this removed from credit report immediately as it has negatively impacted my score. I have yet to receive a response. I have attached the original notice of Debt from XXXX XXXX services that outline the debts accrued from XXXX from two separate visits in XX/XX/XXXX. I have also included the proof of payment after a negotiation.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the deletion of an unverifiable account from my credit report under the provisions of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. Specifically, this pertains to the account identified as a {$720.00} charge-off with XXXX XXXX XXXX  XXXX 
After disputing this account with XXXX, their investigation was completed on XX/XX/2024. Following the investigation, XXXX deleted this account from my credit report, as the information could not be verified. If XXXX has removed the account due to its unverifiability, I urge you to take similar action and remove this account from my credit report promptly. 
Under the FCRA, all credit reporting agencies are required to ensure that the information on consumer reports is accurate, complete, and verifiable. Specifically : Section 611 ( a ) ( 1 ) ( A ) of the FCRA mandates that credit reporting agencies conduct a reasonable investigation of disputed information.

If the disputed information can not be verified as accurate, Section 611 ( a ) ( 5 ) ( A ) requires the credit reporting agency to delete it from the consumers credit file.

Furthermore, under Section 623 ( a ) ( 1 ) ( A ), furnishers of information must not provide information that they know or have reasonable cause to believe is inaccurate. 
Since XXXX has deemed this account unverifiable and deleted it, I expect the same resolution from your agency. If this unverifiable debt is not removed within 30 days from the receipt of this letter, I reserve the right to pursue further legal action under the FCRA. 
Failure to comply with FCRA requirements may subject your organization to statutory damages, actual damages, court costs, and reasonable attorney fees under Section 616 and Section 617 of the FCRA. Additionally, if willful noncompliance is found, I may be entitled to punitive damages. 
To ensure a clear record of this request, I have attached the relevant documentation, including confirmation from XXXX regarding the deletion of the account. 
Please confirm in writing that this account has been deleted from my credit report or provide a detailed explanation of your investigation findings. I expect a response within the time frame outlined by the FCRA. 
Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX Enclosures : 1. Copy of confirmation from XXXX regarding account deletion 2. Copy of my credit report showing the disputed account ( if applicable ) 3. Any additional supporting documentation
Product: Debt collection

Portfolio recovery XXXX has been calling me for over XXXX years. They are looking for someone who does not live at my address. I blocked the number so now it rings once and hangs up. I call back and ask to speak with the supervision. This has happened at least XXXX times. Each time I am told that they will take my number off and the calls should stop. However, the calls continue morning, day and night.
Product: Debt collection

applied for the california XXXX program which court said i was intitled to 80 % reduction of fine sent payment to alliance one as instructed by their representative also sent in court papers as requested. now almost 3 months later after they have cashed the 80 % payment check they have not honored XXXX still attaching wages and i still do n't have a drivers liscence
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in 60 days to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports 8
Product: Credit reporting or other personal consumer reports

First, Trans Union refuses to release my credit report to the address I provided. My po box is where I receive ALL of my personal mail. Other people live at my residence and have access to the mailbox. I do not want my personal information accessible to ANYONE else except me. My po box address has been a part of my credit file for 12 or more years. There is no reason Transuion should refuse to send my credit report to my po box . TransUnion sent a notice to me that I received today at the po box addressed to XXXX XXXX. THAT IS NOT MY NAME. I recently sent a certified mail notice to TransUnion with disputes including the incorrect spellings of my name and asked that they correct these misspellings immediately. They have not yet corrected the incorrect spellings of my name and continue to report this misinformation on my credit report. MY NAME IS XXXX XXXX XXXX. 
Second, I am unable to access my credit report ; or any of the disputes with TransUnion online at Transunion.com to monitor progress. I log on and my file is blank. 
I believe Transunion is intentionally prolonging my access to my credit information when they were sent my license and address information with the dispute letter and the correct spelling of my name. They do not want to correct the disputes because they do not want to lose revenue from the listings I'm disputing. 
I am going to enter arbitration with TransUnion if they don't discontinue these games. The other XXXX credit bureaus have not given me any trouble and immediately corrected my name misspellings. They've also sent me my credit reports as requested.
Product: Money transfer, virtual currency, or money service

My name is XXXX XXXX. I purchased a cashiers check from Key Banks XXXX XXXX XXXX XXXX XXXX Utah branch in XX/XX/2016. The funds used for the check were taken from my personal account with Key Bank. There was a mistake made on the title listing Key Bank as a lien holder. I have never had a loan from Key bank of any kind. When I contacted them about this mistake I was told to talk with several different departments. Everyone I have spoken with has told me they can see i don't owe the bank money, but nobody will provide me with any documentation of it to have the title changed. The vehicle is sold and I am trying to get another but this wrongful lien is preventing me from moving forward with the sale. I have provided the bank with pictures of the title and vin number to no results. There should never have been a lien on this vehicle as it was purchased with personal funds. I understand that the bank didn't put their name on the title. That was XXXX XXXX XXXX of XXXX Utah. My issue is that Key Bank doesn't seem to care that they are costing me financially in postponing the sale of the vehicle by not simply emailing/mailing me a lien release or letter of non interest in a vehicle that they they have no legal claim to. It is my understanding that a wrongful lien is illegal and that they would want this matter handled quickly.
Product: Credit card or prepaid card

I am submitting this to the CFPB to make them aware of this conversation last night with Comenitys specialized team. 

XXXX XXXX said she would make a fair compromise when it came to my accounts because of continual issues with their online payments. I did do what they told me to do with one of my comenity accounts and try to make a minimum payment. When there was an error with the website timing out and going blank, I emailed the specialized team saying theres an issue with the site. 

I have attached the email of what XXXX XXXX saying she was going to do, that never happened. 5 accounts were not adjusted like she said they would be. 

XXXX XXXX is now claiming they cant make those adjustments. I believe they can. This last chain of emails I received are not acceptable. 
This is simply gaslighting and I feel is retaliatory. I have been dealing with comenitys issues for 8 months. And so have many other customers. And instead of taking accountability, once again Im blamed for everything. 
Comenity and reps, I do not control your systems. I do not control your phones or computers. 
I will not accept any abuse or gaslighting. I have attached the emails from last night.
Product: Credit card or prepaid card

Fortiva credit card has violated the federal Equal Credit Opportunity Act by discriminating against me and open up in a credit card and also by not allow me to dispute the decision in the decision process making of issuing me a credit card by not allow me to dispute the credit card companies decision they have caused further Financial discrimination
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax Information Services LLC furnished consumer reports On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX about XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX without my written instructions and or consent constituting as a violation of the FCRA. I the consumer On XX/XX/XXXX sent Equifax information services LLC a notice of the FCRA violation with attaching a copy of the law that they violated Demanding that they delete the said accounts off of my credit file. I sent notice certified mail green return receipt # XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am listing 3 inquiries Fraudulent from my Transunion Credit Report. XXXX XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXXXXXX XXXX  XXXX XX/XX/XXXX. Listed inquiries do not belong to me and must be removed from my Transunion Credit Report. I had a call with the company and the credit reporting agency advised me to file an identity theft report for deletion. I am requesting Transunion to mark these inquiries fraudulent and remove from my Credit Report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called and wrote Experian that they need to fix old student loan accounts as these account have been consolidated. I supplied the data ; however, they refuse to fix.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.   XXXX   XXXX   2.  XXXX  3.   XXXX   4.   XXXX   5.   XXXX   XXXX   6.   XXXX   XXXX   7. Wells Fargo Bank 8.   XXXX   XXXX   9.   XXXX   XXXX   To whom it concerns i recently pulled my credit report and noticed fraudulent errors dealing with the company 's listed above. I 've contacted these company 's by phone email and mailing certified letters. I have n't received any documents, phone calls nor emails from the banks, credit bureaus and The  XXXX . It has been over a period of five years since  XXXX /2012 and current. I 've asked the company 's to send verifiable documents of any signatures pertaining to me but i still have n't received any documents back yet. I have not been able to open an account in over 5 years and have n't open any accounts because of this fraudulent error where my identity was used to open the accounts listed above without my consent. Identity theft is one of the biggest crimes and it 's an ongoing crime that i have no control over. During this period i also lost my wallet that had my license, social security card, birth certificate and more. This is been an uncomfortable situation that i had to deal with for a very long time and its affected my life. It 's difficult to work a job and get paid where i can not put my money in the bank because someone used my identity to open several bank accounts under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 I received a fraudulent inquiry on my XXXX credit report titled XXXX/cbna. I called the home Depot that same day to remove the inquiry. They created a fraud case and I received a copy of the letter they sent to XXXX to remove the inquiry. After 2-3 months of no change to my credit file, I called home Depot once again. They created and fraud case and requested that XXXX remove the inquiry. No change once again. I called XXXX numerous times and they consistently advise that I need to contact lender. I faxed XXXX a police report, FTC affidavit, copy of letters the home Depot sent to XXXX, copy of ssn and copy of state ID. I had actually listed another fraudulent inquiry on this fax submission that was for XXXX bank/XXXX inquiry from XX/XX/2018 and they removed this one on XX/XX/XXXX but not the XXXX/cbna. I constantly called XXXX and they have advised that they can not remove the inquiry, put me in hold for several minutes ( 40+ ) and transfer me.