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

I've been trying for over a week to contact someone, a live person at Experian. They make it impossible when you call to contact a human being. I am having an issue unfreezing my credit report using their online and automated phone systems and they've made it impossible to speak to a live person at their offices. XXXX and XXXX were able to lift my freeze with no problem. I've been having this issue for a week. They asked I send incredibly sensitive material to them in THE MAIL in order to unfreeze my credit. They want a current utility bill, a copy of my drivers license and my social security card. That seems incredibly risky to send via mail. I sent the items via priority mail overnight but I need to see if they've unfrozen my report yet. I am trying to take advantage of low interest rates and refi my home and can not do so until all three bureau 's are unfrozen. I actually even called a number they have listed for their XXXX, Tx location and used the directory to try to contact a person. I got in touch with XXXX XXXX who answered the phone. He was rude and told me he couldn't help me, so I asked to speak to his manager, and he said " well he's not going to be able to help you either ''. I stated that was fine, but I'd like to speak to his manager anyway, and then XXXX hung up on me. After calling multiple times over the course of a literal week and finally getting in touch with someone to be hung up on is absurd. They are holding my credit hostage and they have absolutely no customer service to speak of this should be illegal. This impacts me, they need to have a customer service line. 
They need to contact me. My credit is still frozen 4 days after they received my items to unfreeze it, they haven't contacted me. I need to speak to someone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially filed this dispute with Experian on XX/XX/XXXX. The complaint id is XXXX. By law and the Fair Credit Reporting Act, Experian took longer than 30 days to respond and is required to remove these fraudulent items from my credit report. I filed another dispute noting this that they closed as " duplicate ''. IT IS NOT A DUPLICATE. 

BELOW IS A LIST OF THE FRAUDULENT ITEMS ON MY CREDIT REPORT THAT YOU ARE OBLIGATED TO REMOVE. 





Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX NA INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX OF XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX - XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX  INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX XXXXXXXX INQUIRY DATE XXXX XX/XX/XXXX, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME XXXX XXXX XXXX XXXXXXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/XXXX, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/XXXX, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX,
Product: Credit reporting or other personal consumer reports

Experian is obligated by the FCRA to report accurate accounting. consumer has advised ALL the inquires reported was fraud. said company had 4 days according to LAW to remove such items. FTC fraud report was filed on behalf of consumer, consumer is now requesting Experian to provide the documentation used to determine inquiry was indeed authorized by the consumer, Experian has 15 days to provide me with the name of the person spoken to, documentation used, signed application with consumer wet ink signature. consumer is Not asking for an e-oscar report. If Experian does not have documentation to show these were in fact authorized it must be removed asap. SAID company is liable under the SEC to follow certain rules. Experian Commission file number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 i will be filing form 211 treasury forms to audit consumers account.

Experian is securitizing consumers data yet refuse to provide consumer a copy of their CONSUMER FILE NOT CONSUMER REPORT.
Product: Credit reporting or other personal consumer reports

I obtained a copy of my credit report as I was assessing my credit report there was inaccurate and unauthorized use of my credit. I want these accounts to be investigated and removed immediately from credit report as they violate my consumer rights. 
Hard inquires XXXX XXXX XXXX XXXXXXXX XXXX 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. 

Account name : XXXX XXXX XXXXXXXX # XXXX Account name : XXXX  # XXXX Account name : XXXX  Acct # XXXX Account name : XXXX  acct # XXXX Account name : XXXX XXXX # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX Account name : 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.

You may have not supplied proof under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, I may presume that no proof of the alleged debt, nor therefore any such debt.
Product: Credit card or prepaid card

XX/XX/2022 I paid of 3 cards to the tune of XXXX one of the cards was a cash back card. When paying off a card they give you the option to pay full amount off so I clicked full amount on all 3 cards. Well a month later I get a call from Citi card telling me that I am late on a payment and I replied no all 3 cards were paid in full and they replied no you owe XXXX dollars and I asked for what and they told me it was interest. So I replied no when I paid the card off at that time the total amount owed was XXXX so I clicked pay total amount and paid it. And so the crook 's would not budge on the XXXX even though I just paid the XXXX dollars. So now my fico has dropped from XXXX to XXXX. It's just plain greed. Stay away from this greedy entity
Product: Mortgage

The company XXXX XXXX who is my mortgage servicer began overcharging my loan in XX/XX/year> by {$XXXX} due to a tax issue. XXXX XXXX claimed they were not receiving any taxes from my escrow account and XXXX XXXX was claiming they had paid it. After following up with XXXX XXXX for XXXX XXXX XXXX and XXXX XXXX, we go to find out they had stop paying my taxes to the city of the XXXX half of XXXX. I also learned that some of my escrow money was missing. I have reason to believe XXXX XXXX has misplaced my escrow money or the company is committing fraud. 

I received notices in the mail regarding a tax lien being possible on my house from the city. I later finally got XXXX XXXX to issue a payment to XXXX XXXX to prevent my house from a tax lien. I have always made my mortgage payments on time and there was no reason for any of this to occur. They have illegally raised my mortgage rate every month since XX/XX/year>. 

XXXX months ago I got another later claiming that I have no insurance for my home. The company XXXX XXXX has been my insurance since I purchased the home. Supposedly, it was being paid by my mortgage lender XXXX XXXX. XXXX XXXX now claims that I have no active insurance or coverage. 

I had a new policy go into affect XXXX months ago with XXXX XXXX, myself and the agency reached out to XXXX XXXX to let them know that I was covered with my new policy information. XXXX XXXX claimed they had no record of it and used my escrow money to buy their own policy and coverage which I never authorized. I provided my policy information and I have been paying it monthly myself already. 

Now they increased my mortgage yet again by another {$XXXX}. They are claiming now that I am in negative escrow and this is why I owe this amount higher every month now. I have strong reason to believe that the company XXXX XXXX is within malpractice as a mortgage servicer. They have mishandled my escrow money and are now trying to make me pay for it.
Product: Money transfer, virtual currency, or money service

I am writing you to formally express my concerns regarding Zelles handling disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. The informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.
Product: Debt collection

I get frequent calls at all hours of the day, everyday. When I ask what the call is about they want to know my private info. First. So I won't answer because it can be anyone. They call me from different XXXX area code numbers XXXX... XXXX... XXXX etc.. and the caller ID always reads " potfoliorecv '' they've been calling me for year 's!
Product: Student loan

I have settle account with Navient # XXXX via XXXX XXXX XXXX # XXXX who bought manages their past due accounts. This account was settled in XX/XX/XXXX but XX/XX/XXXX this accounts still shows a balance. I have called multiple times to clear this out and I am constantly told that they are going through a system conversion that is taking long for them to reflect payment received. I called enterprise and they advised me payment was sent to navient the first week of XXXX in t he amount of {$650.00}. I called navient and a escalation manager sent me a XXXX balance letter but this morning I received a statement showing i still have a balance. Please help! This is ridiculous that this company is reporting incorrect information and keeping my money if settlement and have no response to when all this information will be corrected.
Product: Debt collection

I want to emphasize that I am a victim of identity theft, and the presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have taken the necessary steps to dispute these inaccuracies, providing supporting documentation and evidence of the fraudulent nature of these accounts. However, my previous disputes have not been adequately addressed, and I am particularly puzzled by the Bureau 's request to extend the investigation period to 60 days. Despite this extended timeframe, there has been no resolution, and I am left in a state of confusion as to why my requests seem to be ignored or not properly addressed. 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX FRAUD, PLEASE DELETE!!! 
XXXX XXXX XXXX XXXXXXXX FRAUD, PLEASE DELETE!!! 
As a consumer, I am well aware of my rights under the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure the accuracy of the information they report. It is disconcerting that, as a victim of identity theft, the fraudulent accounts are still tarnishing my credit report.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ), I am disputing the reported late payment on my account as I believe it to be inaccurate. The FCRA requires that all information reported to credit bureaus be accurate and verifiable. I kindly request that the creditor or data furnisher investigate this matter and provide evidence supporting the late payment claim. If the information can not be verified, I ask that it be corrected or removed from my credit report in accordance with the law. Details of the account involve are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

second contract was open less than one month after the initial contract. XXXX credited all late fees and credited the second account. XXXX XXXX XXXX still shows hard inquiry and late payments. XXXX has sent letter and I forwarded the letter from XXXX also but it shows late payment. 

On the vacation club for Comenity Capital bank the same issues show on XXXX credited all late fees and report shows late payments I would really like this corrected because this has been an ongoing issues since XX/XX/2020.
Product: Debt collection

Myself and my family members are receiving multiple robo calls from either an unknown number or from XXXX in regards to a case XXXX. After numerous calls, I called back and was referred to XXXX. This phone number does not appear to connect as a get a recording from XXXX that it is invalid. I called the XXXX number and they finally transferred me to XXXX XXXX XXXX. Ive spoken to XXXX at the firm and they are claiming to be collecting on a Chase credit card from XXXX. This debt was discharged in a XXXX in XXXX. I sent the XXXX paperwork to this firm over a month ago and they have started to call even more but not directly to me but my family looking for me even though they have my information. I have never received XXXX notice in the mail or email.
Product: Checking or savings account

I have now tried several times to deposit checks from a checking account which has already been saved ( though not yet used ) from another account in my Bank of America account. They said that the account is verified ( evidenced through my Pay From Account page on Mobile Banking ), and yet the remove each and every check that I have tried to deposit. These checks have already been saved. I have written express and demanding letters to Bank of America financial centers in XXXX, OH, in XXXX, FL, and in XXXX, DE. I have not yet received adequate compensation and it is now well over a month, and Bank of America is in significant arrears to me. Their customer service is frustrating me to an endless degree.
Product: Credit reporting, credit repair services, or other personal consumer reports

In agreement with the Fair Credit Reporting act. The List of records underneath has abused my governmentally safeguarded customer privileges to security and classification under 15 USC 1681. 

XXXX XXXX XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX Account XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I Do Not Live There. 
Address XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX The accounts listed above have disregarded my rights. 

15 U.S.C 1681 area 602 A. States I reserve the privilege to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It additionally expresses a shopper detailing office can't outfit a record without my composed instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no customer revealing office might make any purchaser report containing any of the accompanying things of data Any other unfavorable thing of data, other than records of convictions of wrongdoings which precedes the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) An individual will not outfit any data connecting with a purchaser to any customer detailing organization assuming the individual knows or has sensible reason to accept that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I check my credit report and found accounts that are not mine. I was XXXX at the time these accounts are peportong and didnt know a thing about opening up credit cards accounts. These are not my accounts and I sent dispute letters to all credit bureaus XXXX Experian and XXXX. XXXX was the only company there verified these accounts were not mine. Experian and XXXX failed to do proper investigation on these accounts XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my 29 years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, DE XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX
Product: Credit card or prepaid card

I was a with XXXX - CARD SERVICE customer since XXXX and during that time, I have enjoyed my experience greatly. I paid and do not owe anything, but the mark in my credit reports prevents me from achieving the desired results I have late payments on the above referenced account XXXX XX/XX/XXXX, XX/XX/XXXX XXXX. Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payments from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Pleaseremove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

XXXX XXXX Received a bill from debt collector XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX I owe {$3700.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - This has been paid in full photo copy 's stating as well. 
Further more. I have no income now due to health issues.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX and list of Inquiries. 

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.
Product: Credit reporting or other personal consumer reports

This formal notice is issued in response to a notice initiated by the undersigned ( hereinafter referred to as " Claimant '' ) with TransUnion LLC ( hereinafter referred to as " Respondent '' ) on XX/XX/year>. It has come to my attention that Respondent has willfully and negligently undertaken unauthorized investigations into all accounts on my consumer credit file, including accounts in good standing, without my prior authorization or request. This unwarranted action has directly resulted in the deletion of seven ( 7 ) positive accounts, as evidenced in the attached investigation results ( XXXX XXXX : XXXX, dated XX/XX/year> ). 
These actions have caused substantial and irreparable harm to my credit rating, defamed my personal and financial character, and have directly contributed to my subsequent denial of credit. 
Violations Unauthorized Investigations Respondent initiated investigations into all accounts on my credit file, including those in good standing, without a dispute or authorization from the Claimant. This conduct appears retaliatory in nature, particularly following multiple complaints filed by the Claimant with the Consumer Financial Protection Bureau ( CFPB ).

Deletion of Positive Accounts The deletion of seven ( 7 ) positive accounts has misrepresented my true credit history, significantly impacting my creditworthiness and causing reputational damage.

Violation of Federal and State Laws Respondents actions constitute violations of the Fair Credit Reporting Act ( FCRA ) and other applicable laws, including but not limited to : Failure to ensure the accuracy of information reported. 
Engaging in unauthorized investigations and alterations to credit reporting. 
Defamation of character through the deletion of accurate, positive account information. PLEASE SEE ATTACHED
Product: Checking or savings account

More than {$24000.00} were wire transferred out of my business checking account. I have been dealing with Wells Fargo since the day it happened. That was on XXXX second. Today XX/XX/XXXX I received a letter from Wells Fargo saying that they can not refund the money to me. There were other 2 fraudulent chqrges one for {$1000.00} and one for {$800.00}.
Product: Payday loan, title loan, or personal loan

I applied and was approved for a credit builder loan in XXXX. All payments were made on time. On XX/XX/2022, they put a new loan in my name that negated the previous loan. MoneyLion has now reported both loans as DELINQUENT on all of my credit reports. I have contacted the company over twenty times and emailed my bank statements. They have not helped in any way. I want the second loan taken off my account and I will resume paying for the original loan.