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

Ive reached out to Experian at least 14+ times over the duration of the past year. Ive been trying to get inquiries removed from my credit report. These inquiries are from auto dealers who ran my credit multiple times without my permission and knowing. Ive contacted Experian on numerous occasions trying to explain that Im receiving 3 to 5 inquiries in a session of trying to purchase a vehicle. Im aware that if I contact Experian they are to assist me with the removal of these inquiries, especially if Im informing them they were not authorized by me the consumer. Instead of replying to my dispute letters, they email me back stating they feel as if they may have received a dispute sent in by a 3rd party on my behalf. Experian sends this same automated email following every dispute Ive filed in the past 6 months. 

This is outrageous, especially if Im disputing from their website dispute center as well as mailing in correspondences and sending the information thru the CFPB. There is no way you can say you feel as if my request were sent by a 3rd party. I am filing this formal complaint against Experian due to their repeated failure to address my requests for the removal of unauthorized credit inquiries from my credit report. I have contacted Experian multiple times over to dispute these inquiries, but they have ignored my requests, in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Under 15 U.S.C. 1681b, credit inquiries must have a permissible purpose. The inquiries in question do not meet this criterion, and despite submitting disputes with clear documentation, Experian has failed to properly investigate and remove them. This neglect has caused significant harm to my credit profile and overall financial standing.

My credit report is currently showing 25 inquires, most are within the same month period from numerous car dealerships and banks, attempting to run my credit for the same exact thing. A car purchase. I have made repeated attempts to resolve, but Experians responses have been either inadequate or nonexistent.

The CFPBs recent lawsuit against Experian for conducting sham investigations into consumer disputes highlights systemic issues within their handling of disputes. My case aligns with these allegations, as Experian has failed to meet its obligations under the FCRA to conduct thorough investigations into disputes and ensure accurate reporting.
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 XXXX XXXX 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 : I t also states a c
onsumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

My rights enacted by the FRCA, FBCA and Privacy Act are in violation by the unaffiliated 3rd party ( s ) this complaint is going to. For items that have been placed on my credit report. I have included attached documents of these items. As per 15 USC 6802 ( b ) and ( c ). I was never provided the knowledge of the opportunity to opt-out of my personal information being reported. I then was also not provided knowledge and instructions on how to opt- out of my personal information being reported. In addition I have late payments that are being listed that were never verified and violated my rights per 15 USC 1666b. Both the credit furnisher and reporting agencies are in violation of these acts. They are unable to provide adequate verifiable proof. Which has also been attached in the documents uploaded, providing exact types of acceptable proof to have it considered verified. Lack of this acceptable proof based on the claim is lack of Corporate Compliance and a crime. If the proper recordings matching the letters are not rectified within 30 days and updated immediately with proof of the update. I will next exercise my rights to take legal actions. Since both parties are currently the acting fiduciary agents over my entrusted interests and information.

This report is not only damaging to further business transactions, it has also caused hinderances in personal transactions as I have been denied an extensions of credit to acquire a personal automobile for duties for my children. This leaves no other option than to take this to federal court to seek the highest claim of the Federal Reserve Act Section 29. 
CertMail # XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan

I am being contacted from a collection agency that states that I recieved a pay loan from a company that I never applied to or recieved money from. Delray Capital been harrassing me stating that I owe their client money from a loan on XXXX XXXX 2013. I asked who was the company and they state that I wouldnt know the company because they bought the loan from the originator but wouldnt tell me that company name. The rep XXXX XXXX ext XXXX stated that the loan amount was XXXX but with fess I owe XXXX dollars. He stated that if I sent in proof there was nothing deposited I will be fine. I sent in proof that there was no deposit and he got is " manager '' XXXX on the phone who proceeded to begin threating me and my identity ie ssn, DL etc. I was told they will get their client money. I have never recieved any money from the online pay company.
Product: Debt collection

I have a certified letter to them to not contact me before XXXX They still contact me and now are contacting me at work, via email. Also they sent me an email, which I have that says " per our conversation the other day '' here is ... I did n't have a conversation with them, I just called them on it and XXXX people XXXX and XXXX admitted to use this letter in order for me to contact them. My bill is n't even 30 days late.
Product: Credit card

I had applied for Savor One card through Capital One. There were the venture card and quicksilver. Also available for 0 % balance transfer for 15 months as well. I activated the card when received XX/XX/XXXX promotions should have been activated yesterday XX/XX/XXXX and I am still being denied the 0 % balance transfer for 15 months. They are not budging on the promotion and keep telling me that it is a 30.49 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXX XXXX XXXX, Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX, Account # XXXXXXXX XXXX XXXX Account # XXXX I XXXX XXXX XXXXXXXX, Account # XXXX XXXX XXXX, Account # XXXX XXXX XXXX XXXXXXXX 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. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

Per case XXXX I provided a cease and desist letter regarding this account. You have not provided the requested information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please validate HOW you validated the information I requested. You have also admitted this debt does not belong to you so please provide that documentation. A tenant ledger and lease that looks like the signature ls were altered does not validate anything. Account # XXXX
Product: Debt collection

On XX/XX/XXXX and XX/XX/XXXX, I sent letters to I C Systems ( collection agency ) requesting to validate the debt of {$1800.00} from the original creditor XXXX. According to my credit report, this debt was opened on XX/XX/XXXX. After careful research on my end, this debt originated back in XXXX and is now being falsely reported on my credit file as a new debt. My actions to get this error corrected has been ignored and I need this resolved immediately. 

I C Systems XXXX XXXX XXXX XXXX  XXXX, MN XXXX
Product: Debt collection

Myidentitywasstolenandthisaccountwasopen
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Az XXXX, phone : ( XXXX ) XXXX called me Today demanding {$4600.00} in Hospital ER medical services provided on about XX/XX/XXXX - XXXX   2017. 

My insurance XXXX XXXX XXXX medical insurance informed me that the medical expense was PAID and there is no any outstanding DEBT.
Product: Checking or savings account

Opened my online accounts savings and checking XX/XX/XXXX XXXX and XXXX to transfer money to my other accounts and money to help with family emergency and the bank has now took my accounts and I no longer have access to them they put them under my boyfriend fiances s.s.number and name the accounts were not ever in his name or anything else there were no documents ever signed by me or any other email phone call sign to add him to anything ... on my accounts I contacted bank wellsfargo and they gave me a case number only one one account and now are saying nothing is there XXXX in one XXXX in other. I have proof of original accounts and money I tried to transfer with there emails to
Product: Vehicle loan or lease

About two weeks ago, I applied for a {$40000.00} used car loan at Pentagon Federal Credit Union. I am a salaried employee with my employer for over 16 years, my annual income is {$150000.00}, I have no debts other than revolving credit card that I pay off every month, and my FICO is over XXXX. I wanted the kind of loan where I receive a check that I can then take to a dealership, as I was still shopping for the car. I was informed that type of loan is a " pre-approved '' loan and that I did not qualify. When I asked why, I was informed that my denial was based solely on my zip code, that my income and creditworthiness were irrelevant. I asked why my particular zip code, as we live in a nice coastal area in XXXX California. I was told it is considered high risk, and that all of XXXX California is ineligible for a " pre-approved '' used car loan, regardless of personal circumstances.
Product: Consumer Loan

okay I missed a payment that was due on XXXX and representative from consumer portfolio services her name was XXXX and I told her that I would make the payment at the end of the month because I work for the state and we are paid once a month at the end of each month and she demanded that I give her my banking information and I told her no I would go on there website and submit my payment but she kept trying to get the information from me. I never told that I would not pay them just that I was n't given her that information, since that time I have received XXXX calls XXXX to my job and XXXX to my cell phone can you please ask them to stop calling me at work and on my phone thanks..phone # XXXX
Product: Payday loan, title loan, or personal loan

Refer to my complaint number XXXX. 

Reason I am sending this contact, and I ca n't determine what my password is so did not contact using that, is that Lending Club will utilize the delay, caused by their refusal to take my payments and insistence that we essentially set up a dishonest representation for their record as to call in payments being purportedly efforts by them to collect on a debt when they are in fact efforts by me to make regular monthly payments, as an excuse to bill me a late fee. So this delay caused by them is to enable them to bill a late fee. Please keep that in mind in addressing this.
Product: Credit card or prepaid card

I requested 2 balance transfers to my new Citi card, one to pay off XXXX and XXXXne to pay off XXXX XXXX, the transfer was approved and debited to my account on XX/XX/XXXX. On XX/XX/XXXX, Citi once again debited the same amounts to XXXX and XXXX. I checked my account online and noted a very large minimum due. It was then that I noticed the Error. This was on XX/XX/XXXX. I called CITI and spoke to Customer service, they stated that they were aware of an issue and it would be fixed with in 24 hours. I called back next day and got a run around and told it would be fixed in 5-7 days. I also mentioned to them that this now impacted my credit score as it went down XXXX pts overnight. Again, I was told they were aware and wound fix the issue. It has been 7 days, no one can tell me when it will be taken care of and when they will fix the issue. They also cant tell me when they will correct the report to the credit bureau. I ask to speak with a supervisor and they hang up on me. Its incredibly frustrating. On XX/XX/XXXX I had excellent credit with a score around XXXX, its now XXXX. I was in the process of making home repairs and getting an loan which I am no longer able to recieve do to this.
Product: Debt collection

I received an email in regards to money owed ( {$65.00} ) to XXXX XXXX. Basically it shows I had ( have ) an account with them. I never had an account with XXXX XXXX. So, the mailing is false and dubious. I have attached a copy of the email they sent me.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 I received a call from who I believed to be XXXX XXXX XXXX. There was an automated system telling me that my account was scheduled for disconnection. Since I know that my account is delinquent I was panicked. I pressed the button they told me to get a representative and the guy walked me through how to send {$410.00} to who I thought was XXXX using XXXX, he then said the amount was not enough to cover my bill so he asked for me to send the full amount, I then send {$490.00} and he said he would reverse the initial payment since it was incorrect. On XX/XX/XXXX I realized after not receiving any refund that I'd been scammed. I called XXXX to confirm. I then called Chase Bank to file a fraud claim and they would not file a claim- they said there was nothing they could do. They are offering a service on their platform, but the consumer has no recourse when something like this happens, I contacted XXXX and they sent me back to Chase. This is basically wire fraud and they take deposits from me for over 20 years and this is the first time I've had something like this happen and they have no help for me. The money was for my daughters tuition and now I am just alone with no help. This is a horrible practice, someone should be able to help me.
Product: Mortgage

Around XXXX and XX/XX/XXXX Freedom Mortgage was almost late paying my property taxes as I received a correspondence in the mail stating that they have not received payment and that if its not sent by a certain time I will incur a penalty. Also on XX/XX/XXXX I sent in a wire transfer of {$850.00} to Freedom and have yet to apply the payment to my account which is causing me to be super late with my mortgage payment. This company has some of the worst customer service and are not willing to assist you in trying to resolve any issues. I asked to speak to there superiors but they claim they would n't be able to help me and they will tell me the same thing they told me. Totally unacceptable with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

My mortgage was transferred from XXXXXXXX XXXX to XXXX XXXX. I received notice of the change in XX/XX/XXXX. I have made all of my payments on time to both companies. 

My credit score decreased anywhere from 17 to 20 points because XXXXXXXX XXXX   shows my account as being closed and not transferred. XXXX XXXX does not show up on my credit report at all. 

The information is inaccurate and needs to be updated. 

Date of Loan XX/XX/XXXX Date Loan was sold to new lender : XX/XX/XXXX Prior Loan Number ( XXXX XXXX  ) XXXX XXXX XXXX Loan Number XXXX My contact information is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I let the companies below know individually that I did not authorize them to pull these inquiries below and to delete them from my credit report. Due to the inquiries still remaining on my credit report, it is causing red flags to lenders that I really need a loan from. The inquiries are also listed multiple times. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On, Thursday, XXXX XXXX, 2017, at XXXX XXXX I contacted J P Morgan Chase, regarding an excessive amounts of NSF fees resulting from items that electronically attempted to debit the account. I have a total of total of 15, but I was only disputing 12 and one Extended NFS fee. Chase charges {$34.00} per NSF fee for which they are charging me a total of {$400.00} and an additional {$15.00} for an NSF extended period. I attempted to inform JP Morgan Chase that I had emergency XXXX back in XXXX of 2017. I was unable to communicate with them or any other institution in regards to payments as I was hospitalized. I called JP Morgan Chase and explained my situation, but Customer Service was only willing to reverse three. I mention that would I take responsibility for three of fifteen they as those where authorized, however the others where unauthorized. They told me that as a courtesy they could only reverse three.
I am asking JP Morgan Chase to understand that I was hospitalized and certain events happen without intent ; their {$420.00} in fees can greatly help me pay my mortgage this month. XX/XX/XXXXwas a bad month which was unforeseen and as a result I 'm loosing money I can truly use to get back on my feet.
Product: Credit card or prepaid card

I am extremely disappointed with the BofA system. I have been a stellar customer. I assumed I had auto payments setup because I pay my balance in full every month. Only to find out that my annual fee was charged XX/XX/XXXX, auto payments were turned off and I was being reported with late payments to the credit bureau agencies. I paid the outstanding balance of {$75.00} right away on XX/XX/XXXX when I was aware. Instead of my account going into good standing, they havent posted the payment and instead closed my account. 

Additionally, they were taking my auto payments literally a couple billing cycles prior to this ( until XX/XX/2021 ) even though I had a XXXX balance. I wound up having a credit of XXXX. I dont use that card often so I didnt notice. 

The system is broken. And now my credit is affected because of their broken system. This makes no sense
Product: Credit card or prepaid card

My DISCOVER card was charged and I disputed {$560.00} : XX/XX/XXXX XXXX XXXX NV {$5.00} XX/XX/XXXX XXXX XXXX NV {$85.00} XX/XX/XXXX XXXX XXXX NV {$91.00}XX/XX/XXXX XXXX XXXX NV {$91.00} XX/XX/XXXX XXXX XXXX XXXX NV {$.00} XX/XX/XXXX XXXX XXXX  XXXX NV {$4.00} XX/XX/XXXX XXXX XXXX XXXX NV {$89.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} XX/XX/XXXX XXXX XXXX XXXX NV {$94.00} I ordered a FREE sample for {$4.00} shipping from XXXX.
1 ) A company sent a box to me with no NAME of the shipper on it.
I located them by the address on the box and I CALLED THEM. I TOLD THEM I WAS RETURNING THE BOX TO THEM UNOPENED, AND TOLD THEM TO NOT SHIP ANYTHING ELSE TO ME.
2 ) I received two more identical boxes. I returned these two additional boxes to them unopened. After returning all three boxes, unopened, I received a form letter email from XXXX regarding the above charges on my DISCOVER card.
3 ) The company sent a copy of a webpage that I have never seen before to DISCOVER saying I signed a contract with them.
I did not agree to any contract ; I only agreed to one sample for {$4.00} shipping. I had never seen that web page until DISCOVER sent me a copy in their correspondence.
4 ) I supplied DISCOVER multiple sources showing them that this company goes by numerous names and has scammed numerous people.
DISCOVER charged me using the name of ~ XXXX DISCOVER charged me using the name of ~ XXXX XXXX I was contacted by an email with the name ~ XXXX How DISCOVER connected the three names, I do not know or understand.
However, DISCOVER does not care that the company is a scammer. XXXX XXXX XXXX 5 ) XXXX told Better Business Bureau : The customer 's account has been flagged as a chargeback onXX/XX/XXXX for the disputed charges. The chargeback processor and credit card companies will determine the legitimacy of the claim and be able to provide any refunds as necessary.
6 ) I requested ONE sample for {$4.00} shipping.
I was charged NINE times totaling {$560.00}.
I returned everything, unopened, unused.
DISCOVER will not credit my account for the full amount.
Product: Mortgage

Bought a home and got a Grant Deed, then there was a loan agreement to sign, it was not after all it was a security agreement instrument that i did not see at closing, only part where is said XXXX- rider, i called title a few years later and asked if i could get all docs, she sent them, and saw that my name was forged on the security instrument and she said it looked like there were two closings. I only went to one. The originator was from XXXX XXXX XXXX and went out of business 1 month after however there is a parent company think it is called XXXX. As you will see on the XXXX rider the first signature is mine sideways, but all other below and initials are not mine, it is larger and rounder letters. Not sure if XXXX or whom did it. California Penal Code Section 115 ( a ) It is a felony to knowingly file a gorged or false document with any public office. Now title and county records is part of this crime against me. My home is being sold at auction and aiding and abetting this crime. XXXX, XXXX, XXXX XXXX XXXX XXXX, Quality Loan Servicing Corp., XXXX XXXX XXXX XXXX XXXX parent Company. I need the trustee sale stopped asap, and my claim paid that was sent to me by XXXX for the foreclosure crimes class action law suit that was never paid to me, I sent in my bill, in 2016 never got paid. There was never a loan. Only a fraud security instrument, and non-disclosure of showing me what they were doing XXXX or XXXX. Here is the documentation, i am not in court if i do go back it will be to impeach the judge for treason, she dismissed the case for no Jurisdiction. It has been 10 years fighting against deaf ears, the Trump admin. has my docs now. Please help immediately. Thank you