23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This letter is to report Experian. My identity has been stolen and the person who stole my identity was able to access my Experian account and unfreeze my credit. I was never able to speak with anyone from Experian to ensure a fraud alert or reinstate a credit freeze. I am still not able to sign into my account and there is no option to speak with a customer service agent. I do not know if the person who stole my identity is using my credit with this agency and applying for credit as if they are me. I went through two weeks of someone breaking into my accounts by changing the email addresses and passwords- this can even be done over the phone. This is criminal and security is lax with no regard for actually protecting my sensitive information. 

The person who stole my identity was able to access all three of my credit reports, and change my email address by putting in a fake one. They then were able to receive notices for codes to get into my accounts. The two factor authentication security methods and special code words were able to be bypassed by XXXX, XXXX and Experian. NONE of the three credit reporting agencies were responsible enough to not keep my information safe. 

After two weeks and sending in a lot of sensitive information that these three agencies ( XXXX, Experian and XXXX ) say they are trying to protect, I still feel they have not addressed my concern and they are failing to protect my identity. Experian is especially at fault because there is not way to speak with an actual human in customer service to report fraud and get extra protection on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

After looking through my report i spotted a lot of violations. According to the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report. I've done everything I could do in disputing this with the bureaus, but unfortunately, they can't help me, so I've came to my last resort with you guys, in hopes of keeping my credit report 100 % accurate. I went ahead and listed the accounts below that have violated my rights Account Name : XXXX BANK XXXX, Account Number : XXXX Account Name : XXXX, Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX The credit bureaus stated my account was properly investigated, but how is that possible if the date open date is inaccurate, the date of last verified is inaccurate, the balance is inaccurate, the date last active is inaccurate, and the date last reported is inaccurate, therefore these accounts must be removed asap, they also violated my rights under, some of these accounts, are also in violation with the statute of limitations here my state of Texas. 

I went ahead and attached screenshots I took from XXXX XXXX, where I highlight all the violations on every single account. 

-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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  card account # XXXX Has an inaccurate amount of late payments and is violating my privacy, as I did not give anyone permission to furnish this information. 

15 US.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 man XXXX 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.

15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Debt collection

I have previously disputed two debts listed for collections by a 3td party agency via XXXX XXXX for XXXX an XXXX XXXX that were supposedly open in WA state in XXXX. Both were removed from my XXXX  credit report as fraudulent. The agencies have apparently sold the debt to a new agency or the original creditors provided the info to a new agency and the debts are again showing on my credit listed with ICS Systems out of MN for XXXX XXXX {$240.00}, and XXXX XXXX XXXX for XXXX {$430.00}. I feel all creditors, Collections Agencies and Reporting agencies are grossly violating my rights as I have disputed these debts due to identity theft or fraud on multiple occasions and the accounts removed due to inability to validate the debt only to have them put back on my credit again by a new Collections agency that did not validate the debt and the Reporting agency did not prevent this repetitive abuse and harassment
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been advised repeatedly since the end of XX/XX/XXXX my XXXX credit card is a Closed account. XXXX has told me and written to myself and Exprian the account is closed and has been close for over 2 years. When the FACT the account is closed not open is pointed out Exprian only updates my outstantding balance owing never corrects the STATUS TO REFLECT MY ACCOUNT IS NOW CLOSED. This error is affecting my credit score because it looks like I am using more credit than I have access too raising the % of usage to over 30 %. The reality is I am using less than 10 %. Exprian refuses to accurately report the XXXX card as a closed credit account. They report status as open per a report date of XX/XX/XXXX ignoring the repeated reports the account as closed since the alleged report date of XX/XX/XXXX. Please see letter from XXXX on XX/XX/XXXX clearly reporting account CLOSED. The attached documents demonstrate it is EXPRIAN that is refusing to report my credit accurately. I have noted on attachment the proof and false reporting by Exprian. Please help me get Experian to accurately report my credit instead of ignoring current status as requested and reported to date by me and my creditor. Thank you.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on a matter that I previously brought to your attention regarding these unidentified and unverified negative accounts on my credit report associated with : XXXX XXXX XXXXTransUnion XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA By my request XXXX XXXX is required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I have sent letters and have not received any responses with what I have requested.
Product: Money transfer, virtual currency, or money service

XX/XX/2021 I got an email from a senior escrow officer from Chicago Title and Loan at XXXX and 2 days before I closed on a Chicago condo and 10 minutes after my attorney emailed me to tell me I would need to wire money to the escrow office at Chicago Title. 2.5 hours after I received the first escrow officers email a second email officer emailed me. I didn't get these emails until XXXX because I was busy at work. Seeing two escrow officers I thought it was weird. Then I took a recommended class of fraud that the 2nd officer had sent. This warned about fraud. I became more suspicious and investigate the 1st escrow officer email thoroughly. Though it was from a person that worked at Chicago Title and Loan, the email they were asking me to respond to was " XXXX ''. The misspelling made me realize it was probably a fraud. This was later confirmed during the signing of my closing paperwork ( XX/XX/2021 )
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$6900.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$16000.00} ; XXXX XXXX Balance Owed : {$1400.00} ; XXXX XXXX  XXXX Balance Owed : {$750.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$1800.00} ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX. 
According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit card

Care Credit ( dental credit card ) On XX/XX/XXXX I noticed a charge from a security card fee of 50 % of my monthly due payment from synchrony bank. I called them and was told in XXXX that it was a one time fee for using the card, in XXXX was told it was a service for card protection I signed up for. I didn't sign up for this, I asked that it be cancelled, I was sent to another number it was cancelled via phone, I called back the syncrony bank to tell it was cancelled and they wouldn't refund my money. On XX/XX/XXXX the company took again a 50 % fee of what my payment balance was, I called again and was told it would take XXXX to XXXX payment cycles to cancel this and I would be contiually be charged on my card and look for a letter in the mail to my home in 60 days of reimbursement decision. I was lied to and told this was a 3rd party servicer once I took it to the top I was told it is actually a company under the umberella of syncrony bank. I expressed to them I do not authorize any more charges on this card and they would not comply. I so far been charged {$510.00} unauthroized charges. I was told to call back tomorrow when their affilate security card services is open. I will call put after months of deal with this I feel their is no choice but to file a complaint and hopefully get this resolved so I can move on and be protected and not charge fraudulant unauthroized charges and receive a refund of charges made and will continue to make according to this company for another XXXX to XXXX payment cycles which will put this total up to approximately {$76000.00} and growing. After dealing with Care Credit and supervisor 's I do not see them stopping charges or resolving this issue.
Product: Credit reporting or other personal consumer reports

I disagree with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. Account Name : XXXXXXXX Account Number : XXXX. In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a report and it was resolved but I am not able to see the results of my dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX did not validate the debts they allege I owe. They never sent me anything in writing, I had to find out about them by reviewing my credit report. They pretend they did not receive my timely, written demand for validation under XXXX XXXX XXXX Sec. XXXX XXXX b ) of the FDCPA. HOWEVER, they did XXXX XXXX ) respond ( how would they respond if they really did not receive my written demand?!? ) but their response did not comply with XXXX in any way, shape, or form. It merely said the account had been " closed '' instead of actually validating, per my request. XXXX XXXX attached XXXX. It has been many months yet they are still listing a negative ( XXXX XXXX on my credit reports, despite the law giving them 30 days maximum. 

The credit bureaus have ignored this fact and are about to also get sued in federal court and pay all of my attorneys fees and costs if they do not immediately remove all negative references from XXXX XXXX, XXXX from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX Creditor is New York & Co. 
Comenity Bank Account Number XXXX XXXX XXXX To whom it may concern, I Have been a customer with New York & Co, for several years I have never missed a payment on my account, due to Covid 19, I received a call from XXXX XXXX asking me if I would like to take advantage of their hard ship program and reduce my payments from XXXX per month to XXXX per month. I agreed. 

However I was never told that while I am in the hardhip program even though I will be making my reduced payments on time, that the company will be debiting from my account each month. I was never told by the company on that phone call that for the first 3 months my account will still be reported as 30 days late for 3 monthe straight to the 3 consumer credit repoting agencies. I would have never ever agreed to that type of arraingement. I have tried to dispute with the credit agencies along with the company Comenity Bank and it has not been satified, I really feel that this is not fair. 
My email is XXXX Company address is XXXX XXXX  XXXX XXXX, Ohio XXXX Attention Customer Support XXXX XXXX XXXX Thank You Very XXXX XXXX XXXX XXXX
Product: Debt collection

I received a call on my cell phone around XXXX XXXX XXXX from someone asking for my husband XXXX XXXX. Her name is XXXX XXXX and she is a representative on the behalf of XXXX XXXX XXXX. She was very rude and would not tell me what the call was about and stated that it was something regarding my husband, I asked what it was about and she refused to tell me, she was very rude and unprofessional so she ended the call because she tried to claim I was being rude to her, not true, all I was asking for was information. So she proceeded to leave a very nasty and rude voicemail on my phone stating that she would be at our house within the hour to serve my husband with papers and that someone better be here to verify that he is signing the papers and that if he wasn't home she would then go to his place of work and ask to speak to someone in the hr office about his whereabouts and that if she could not get a hold of him then basically it was a refusal to sign the paperwork and then it would be referred back to the office which is XXXX XXXX XXXX. What she did is illegal she can not act as a legal representative on this company without proof that she is legally allowed to do so and she would not provide me any further information.
Product: Credit reporting or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I got a alert on my XXXX XXXX  that a inquiry was made that I did. Not consent to XXXX XXXXXXXX XXXX and XXXX XXXX XXXX XXXX  were fraudulent inquiries and need to be removed from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I went into a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX the other day. While I was there my girlfriend was trying on rings, the manager pulled me to the side and told me he could do a quick check to see what kind of financing I would qualify for when the time comes. He clearly advised me this was not an application for credit, but a means of seeing how much credit I could be preapproved for. I even double checked and was clearly assured by XXXX XXXX and XXXX that this was not an application for any type of credit and would not cause a hard pull on my credit report. It turns out they were both knowingly lying and filling out a credit card application on my behalf, XXXX XXXX even exaggerated my income and put down {$3000.00} per month after I stated {$2500.00}. This is an unfair and deceptive practice, at no point did I have the opportunity to see the terms of the product I was applying for as I was repetitively assured that I was not applying for anything. This experience exhibits the exact practices that UDAAP and Regulation Z aim to eliminate.
Product: Credit reporting or other personal consumer reports

While reviewing my XXXX credit report I noticed several hard and soft inquiries that I did not make and would like them removed from my credit report. Their instructions for having them removed involves a formal FTC fraud complaint which I can not make because no account was actually opened only the inquiries made for the attempts so I can not send them what is being requested.

I need help getting these inquiries removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

If after reinvestigation under paragraph ( XXXX ) of any information disputed by the consumer, an item of the information is found to be incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer, or modify that item as appropriate, based on results of the reinvestigation. 

I am not liable for this debt with XXXX XXXX Bank. I do not have a contract with Portfolio Recovery Associates , LLC. They did not provide me with the original contract as I requested.
Product: Consumer Loan

The sales representative stated multiple times that I would not pay any interest if the loan was paid off within one year. I asked for confirmation of what the one year date would be, and he pointed to the first payment date. XXXX payments of {$39.00} have been made as of XX/XX/2017. I became worried after checking my credit report and seeing the full amount with interest was reporting. After logging into my UCFS account and viewing the payoff amount, I realized that the payoff did in fact include a very high amount of interest. The payoff was {$920.00} and good through XX/XX/2017. The original loan amount was {$1000.00}. XXXX payments of XXXX without interest should have shown a payoff of {$800.00}. I emailed UCFS with these same details, and asked for a resolution of an agreed upon payoff amount of {$800.00} due to the multiple verbal promises I received that turned out to be a lie. A lady by the name of XXXX called me in response, and simply stated that unless I could supply written proof, that they would not do anything about it. I would agree that it would appear that I am bound by the agreement I signed, if it were not for the deceptive practices this company and their affiliates practice. It does not take long to piece together information regarding this company and its affiliates showing a pattern of deceptive practices that affect a large amount of consumers. UCFS is under the impression that it is legal to say whatever you want to get the consumer to sign, and that you are " home free and clear '' once that is done. Furthermore, I attempted to pay the full {$920.00} by debit card and by bank draft via their website, and I received an error of incorrect CVV code and incorrect payment amount respectively. The CVV code was correct, and the payment amount was taken directly from their payoff information.
Product: Checking or savings account

Santander Consumer USA, delayed processing a payment on my XXXX XXXX by holding the check for 18 days. I issued a stop payment on the check and then Santander Consumer USA proceeded to process the check as a Direct Debit. Then to make matters worse, Santander Consumer USA then failed to tell me the payment had already been processed leading me to make an ACH payment to cover the lost check ( which they had in their possession ). I went to Santander Consumer USA, ask about a lost check, and was told to wait four days before taking any action. I did, still no payment processed, posted, or returned by Post Office. Other issues have arisen including taking some 5 months to receive a title.