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

XX/XX/XXXX I called Equifax advising them that there was fraudulent activity possibly on my avcvoubt due to numerous multiple inquire that I did not authorize nor was aware of. They investigated and advised that there were some that the verified with the companies but would not give me any information. When I tried calling several companies listed they suggests that I called Equifax again because there was no investigation nor disputed. One company being XXXX/XXXX XXXX XXXX and one being XXXX XXXX. On XX/XX/XXXX I called and tried to investigate them again. I was told that the investigation was initiated and since there was a fraud alert on my account the fraud department would be handling the investigation. I called back XX/XX/XXXX to check the status of My disputes and was advised that hard inquires are not able to be removed. After explaining to him my conversation with a representative that prior week, he still said there was nothing I could do. I then spoke with a supervisor who advised me the same thing and suggested there was nothing I can do to have these inquires removed.
Product: Debt collection

Back in, I'm guessing around XXXX and XX/XX/2022, a man showed up at my doorstep to serve me with court documents for an upcoming civil suit. These court documents had a broad list of what I was being sued for. It stated XXXXXXXX XXXX XXXX  Prior to this I had paid off 3 XXXXXXXX XXXX  debts. I was unsure which debt this was for. The amount sued for did not match any one card I was in debt to. The second serving of these court documents had a court date listed at which I never made it to court. Time goes by and sometime in XX/XX/2022, I received a document that stated a lien was put against me. The paperwork attached again held very little information. It has a XXXX  amount I am unfamiliar with, stated it is not a court order etc. Not to mention I never received paperwork for the outcome of supposed court hearing. The XXXX  have passed so I started to look into this matter. I first figured out which card the amount belonged to, I think. I believe it may be a total to two cards. It was XXXX XXXX XXXX XXXX I can not locate this debt in my credit report either and believe the amount to be inaccurate. Anyway, I found this out by calling XXXX XXXX  and asking about my accounts. I had paid off 3 and the fourth for under {$2000.00} was sent off to this law office. Just so happened to be the law office sending me this paperwork ... .fraudulent paperwork. I called their office and left a message early last week. In the meantime I contacted my local county clerk recorder, who supposedly helped with this lien. Well, just so happened no such lien exists... so now I have fake court documents dated from XXXX ( more than ample time to show up in the system ), threatening to sue me over an amount that is not accurate with minimum info on the actual creditor involved. I do believe this all goes against the Fair Debt Collection Practices.. I don't know what to do. I was signed up with a debt consolidation firm for a year. Due to some unforseen events, I did not get the opportunity to complete the process, but did pay off quite a few debts. Since then I have slowly been touching base with the remaining debt owed and setting up payments. I don't even know if this amount is accurate and personally do not want to work with this firm due to their fraudulent scare tactics. Listed below is the company in question : Hunt & Henriques XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX
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 federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX account number : XXXX, has violated my rights. 

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 also states a consumer reporting agency can not furnish an 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. 1681 section 2 ( a ) ( 1 ) states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a notice from Equifax dated XX/XX/22 stating that " they will not conduct any further investigation '' because they claim that they have already done an investigation. 

I am requesting that they send the investigative consumer report explaining who they interviewed because I never saw any reporting explaining how they verified any information. To verify anything it needs to be sworn under perjury and they have not done that. 
I am also requesting a record of permissible purpose that they are supposed to have on file in their records that came from my written instructions or consent.
Product: Credit reporting or other personal consumer reports

15 U.S> Code $ 1681c-2 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. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S COde 1681b - Permissable 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 a 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! 

XXXX XXXX XXXX XXXXXXXX {$0.00} {$0.00} XXXX  XXXX XXXX XXXX {$11000.00} {$0.00} DEPT OF ED/XXXX XXXX {$0.00} {$0.00} XXXX XXXX {$0.00} - XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX {$200.00} - - -No Data XXXX XXXX XXXX XXXX {$13000.00} - - -No Data XXXX XXXX XXXX XXXX {$690.00} - - -No Data XXXX XXXX XXXX XXXX {$240.00} - --
Product: Credit card

Subject : XXXX XXXX American Express XXXX Credit Card Rewards Activity Dear XXXX I am writing to formally lodge a complaint against American Express regarding a rewards activity associated with my XXXX XXXX XXXXXXXX credit card. I believe that American Express has not honored the terms of their promotional offer and has provided inconsistent and misleading information. 

Here is a detailed timeline of events : XXXX. XX/XX/XXXX : I registered for the rewards activity via the American Express mobile app. 
XXXX. XX/XX/XXXX : I contacted online customer service representative XXXX to confirm my registration for the " XXXX XXXXXXXX XXXX - Earn a Free Night Award of XXXX points after spending {$4000.00} or more '' rewards activity. XXXX confirmed that the activity period was from XX/XX/XXXX, to XX/XX/XXXX ( a XXXX period ). 
XXXX. XX/XX/XXXX : I reconfirmed the spending progress and the activity deadline ( XX/XX/XXXX ) with another online customer service representative, XXXX. 
XXXX. XX/XX/XXXX : I completed the required spending of {$4000.00}. 
XXXX. XX/XX/XXXX and XX/XX/XXXX : I contacted online customer service representatives XXXX and XXXX, respectively, to verify if I met the requirements for the rewards activity. Both representatives indicated that some processing time was needed and could not provide immediate confirmation. 
XXXX. XX/XX/XXXX : Upon contacting multiple customer service representatives, I was informed that the activity had actually ended on XX/XX/XXXX. According to them, I had not met the spending requirement by that date, and therefore, the reward would not be issued. 

I have kept records of all my interactions with American Express representatives and have consistently received conflicting information. Initially, I was assured that the activity period extended until XX/XX/XXXX, and I planned my spending accordingly. However, the recent contradictory information stating that the activity ended on XX/XX/XXXX, has left me without the promised reward despite fulfilling the spending requirement within the initially confirmed timeframe. 

I am seeking your assistance in resolving this matter. I request that American Express honor the terms initially communicated and issue the promised reward. Additionally, I believe this issue highlights a need for greater transparency and consistency in the information provided by American Express to its customers. 

Thank you for your attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX
Product: Mortgage

My husband and I had what we thought was a home equity line of credit on our home but found out that is was a loan that matured at then end of so many years and the total amount of the loan would be due. The loan was with PNC bank, the approximate amount of {$82000.00} and was due XX/XX/2017, we started working with PNC in XX/XX/XXXX to get this loan converted into a regular second mortgage loan. After speaking with numerous people we finally receive a call from a representative that sent us a package to complete and return. Weeks after PNC received the information they finally contacted us needing more information. I would call the representative that was suppose to be our contact person and leave messages regarding the loan and would rarely get a phone call back if one at all. I can not count the times I left messages and no call back. Once we did hear from her we were told that our debt income ratio would not support the loan. We were told to supply them with more information regarding our income and we did so. There again I was trying to get in touch with her because I knew the loan was coming due and there again no call back. I finally had to email someone at the branch to get our representative to contact me. Again, we were told they could not help us with the loan, even after they have had the loan for years and could look back and see how we paid each and every month with not a late payment at all. We then went with another bank supplied all information they needed and toward the end of the process with no problem. But when the mature date came due ( XX/XX/2017 ) and the total {$82000.00} was not paid in full PNC hit our credit with a late payment which dropped both our credit scores by XXXX points and I am sure we will get another hit for XX/XX/XXXX. Because of this, drop in our credit score, our new bank has put a halt on the loan. Therefore, PNC will not grant us the loan and they are preventing us from getting it with any other bank. We just need for PNC to remove the late payment so our credit score will go back to normal and we can get the loan and pay them off.
Product: Credit reporting or other personal consumer reports

XXXX SAID THEY NEEDED MY DRIVERS LICENSE THEY DID NOT KNOW WHO IS WAS
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and 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 the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Bankruptcy XXXX  XXXXdischarged Filed on XX/XX/XXXX Reference number : XXXX XXXX XXXX Balance : - XXXX XXXX XXXXXXXX Balance : {$430.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : - XXXX XXXX XXXX XXXX Balance : - XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$560.00} XXXX XXXX Balance : - XXXX XXXX Balance : - XXXX  XXXX Balance : - XXXX XXXX XXXXXXXX Balance : - XXXX XXXX  XXXX Balance : - XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired XXXX XX/XX/XXXXXXXX XXXX XXXX  Inquiry : XXXX. XXXX, 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 an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

On XX/XX/XXXX, I received a notice of unpaid tolls and fees from Linebarger Goggan Blair & Sampson, LLP dated XX/XX/. In this notice, they have stated that they have been retained to resolve the amount owed to the Delaware Department of Transportation, and according to their client, I have an outstanding amount due in the amount of {$91.00}. First, no where in this letter did they state who that client was which is a direct violation of the FDCPA. Next, I noticed that the license plate number they provided is not my license plate number. Finally, I have never been to Delaware. Pursuant to 15 USC 1692e ( 11 ), they also didn't disclose in this letter that this is an attempt to collect a debt. That's 3 violations already.

So on the same day I received the letter, I called Linebarger Goggan Blair & Sampson, LLP to get some clarification and verification on this alleged debt. The representative I spoke to never gave her name, and was rude and refused to provide me service because I did not feel comfortable giving out my personal and private information which I have a right to do. And by the misinformation in their letter, that gives me even more cause to be concerned with providing my information. It's funny how they never verified this information directly with me like they are supposed to do, but wants consumers to verify their own self to another stranger instead of just taking the reference number that was provided. There is no reason to collect my private information if a reference number is given, unless they are assigning the same reference number to multiple consumers. Since the agent refused to help, I let her know that a lawsuit will be commenced, thanked her, and hung up. 

There are multiple violations that this company has committed that I will sue them for, such as opening an account without my consent. Pursuant to 18 USC 1028A, that is aggravated identity theft. They should not have my information without my consent and without verifying directly with me. They are also charging ridiculous fees such as a " violent crime '' fee. This is also against federal law as there is no crime being committed, and if it is, where is the victim? It's clear they are doing this to harass and abuse consumers with their false accusations and absurd fees. They provided no proof/reason as to why or how I owe this alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent documents for dispute reasons with Experian, VIA US Mail on XXXX XXXX XXXX received an email stating they received my documents but do not believe it was sent by me. I did include my Drivers Licence copy along with the dispute papers in the letter. I do not understand how they determined it was NOT sent by me when it clearly was and signed/dated and my ID attached to the dispute papers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I requested a dispute to change my number with Experian credit bureau, but they only removed the old one and added a completely different number from mine and didn't even ask for the actual number.
Product: Credit reporting or other personal consumer reports

I just obtained a copy of my credit reports and it shows unauthorized and fraudulent inquiry.

Please see the copy of my dispute letters attached on this complaint The said inquiry is still showing on my credit report and it seems Bureau is ignoring my concern
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting at XXXX Account XXXX has violated my rights.

15 USC 1681 Section 602 States I have the rights to privacy, 15USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as a late for any purpose.

That will be violating my rights according to the fair credit reporting act.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my Credit report, leaving in accurate or unverifiable account unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against Experian, Alleging systematic issues, Such as failing to for consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumer of dispute outcomes. These failures align with experience, Where experience has neither corrected nor removed disputed item despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove Or Amend, the disputed accounts, ss Experians inaction violates federal law and rights as a consumer.
Product: Credit card or prepaid card

My benefits that I receive thru the XXXX XXXX which are disbursed thru bank of America has been a complete nightmare. My card data keeps getting compromised somehow and they refuse to give me provisional credit. They are violating regulation E. They are denying my claims without reason and without sending me information on why my claims are being denied. Also when I originally filed the claims about 2cyears ago they didn't include all the transactions I was disputing and now it's to late to dispute and get My money back for transactions that happened years ago. I beleieve there is an inside emplyee leaking card info because theres no way someone gets my info time after time.
Product: Vehicle loan or lease

I purchased a vehicle that was financed through Mercedes Benz Financial, in XX/XX/XXXX. I had some financial difficulty and filed for Bankruptcy that was discharged in XX/XX/XXXX. Mercedes Benz Financial never sent reaffirmation paperwork and stayed in constant contact, for 11 months after the discharge. I was receiving billing statements and phone calls, and since I had never filed for bankruptcy in the past, I had assumed that since I had informed the courts that I was going to maintain the auto loan, this was normal operating procedure. Thirteen months after the discharge, I received a repossession notice from Mercedes Benz Financial and worked out a deal with them, to pay a months payment, and have an additional months rolled to the back of the loan. I made the payment and assumed that all was well. The next day, I received a phone call from a very rude representative at Mercedes Benz, who told me that they were not honoring the deal. I informed her, that the collection of the funds, was an acceptance of the deal and that any differentiation would be a legal misrepresentation. She threatened to have my car repossessed. I spoke to another representative that finally agreed to honor the deal, and she informed me that I was no longer receiving billing statements, due to my " recent '' bankruptcy. She informed me that according to their records, my discharge was XX/XX/XXXX, a full 13 months after the actual date. I also informed her that I never received any reaffirmation paperwork, and was told erroneously, that I was to receive all the documentation from my attorney. He confirmed that the information was incorrect, and should have come from Mercedes. I continued to pay off my loan. Now, it 's is XX/XX/XXXX a full 10 years after the purchase of the vehicle. I contacted Mercedes Benz for a payoff, 3 years ago, and they had trouble finding the loan. I was told I would be called back, which I never was, so I contacted them again the next day. I was told a bloated amount, thousands more than my records. I have had the car for the past 3-4 years and have not made any payments. The bank, has made no attempts to collect, but I have not received a title for the vehicle. I want to file a complaint against MBFS and have the title sent to me, asap. The original, used vehicle loan, is over 10 years old! Thank you for your time.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Has violated my rights. 

15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHTS 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Account was closed and paid in full on XX/XX/2022 and it has not been removed from my report XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX has me in collections and I HAVE NEVER HAD ANY DEALINGS OR ACCOUNTS WITH THIS COMPANY ... ... .They have me confused with another person who lives at same address and does have an account with this Company.

Never have I signed, ordered or requested services from this Company. I have disputed this claim with credit bureaus, recently XXXX has removed it from my credit report, waiting on the others. Please assist me to get their claim off my credit reports. Thank you