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

Experian is reporting hard inquiries on my credit profile with no permissible purpose. U.S. Code 1681b- Permissible purpose of consumer reports. Experian failed to provide Permissible Purpose within 30 days to complete their investigation as outlined per the Fair Credit Reporting Act 623 ( a ) ( 3 ). Also per FCRA 623 ( a ) ( 5 ), If the credit bureau can not validate the information with the original creditor, they must remove said information from the consumer credit file. I have attached copies of the original letters sent to Experian more than 30 days ago with proof. Hard inquiries should be removed based on the FCRA violations.
Product: Vehicle loan or lease

It is imperative to note that in accordance with the laws of the State of Louisiana specifically UCC 9:9:3534.1, as well as State XXXX and XXXX statutes, a deficiency claim can not be valid unless all required notices were duly provided in a proper and timely manner. Additionally, strict adherence to the allowable redemption and cure time limits is required for such a claim to be legitimate.

I hereby request that you provide me with copies of the legal notices pertaining to the repossession, as well as evidence demonstrating the commercially reasonable manner in which the subject vehicle was resold.

Failure to furnish the requested proof within 14 days from the receipt of this notice will render the alleged deficiency claim null and void. Any further collection activities or continuation of reporting this unsubstantiated claim on my credit reports will be regarded as a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ).

Furthermore, I wish to remind you that non-compliance with the aforementioned requests may result in my pursuit of legal action and seeking damages against all parties involved, in accordance with all available State and Federal statutes, as well as UCC 9 remedies.

I expect a prompt response to this matter, and I thank you for your attention to this concern.
Product: Debt collection

On XX/XX/2023 I sent a debt validation letter to was XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, California XXXX. Today I receive a letter in the mail from XXXX stating that they are a debt collector and request that I pay a debt that was sold to them by US Auto finance , inc who is out of business and disputed the contract agreement we had. In turn I do not feel this debt is valid in the event that US Auto finance sold the debt to XXXX and breached the contract by not honoring the vehicle service contract or gap warranty I was paying for in my car payment every 2 weeks. In the letter I received today XXXX XXXX XXXX provided me with a new address to dispute the debt.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Connecticut, XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX  DC XXXX Subject : Complaint Against Experian Regarding Failure to Remove Inaccurate Debt Information Dear Sir/Madam, I am writing to formally lodge a complaint against Experian for its failure to address a disputed debt on my credit report appropriately and in accordance with the Fair Credit Reporting Act ( FCRA ). 
On XX/XX/year>, I contacted Experian to dispute a debt reported by XXXX XXXX XXXX XXXX, which I believe to be inaccurate and fraudulent. This balance resulted from identity theft, and I have taken the necessary steps to report this matter, including filing a complaint with the Federal Trade Commission ( FTC ). I provided Experian with the FTC Identity Theft Report and other supporting documentation. Despite this, Experian has chosen not to uphold my rights as a victim of identity theft and has continued to report the XXXX XXXX XXXX XXXX account on my credit report. 
Additionally, I requested that XXXX XXXX XXXX XXXX validate the debt, including providing all relevant documentation such as the original contract and supporting records that demonstrate the validity of the debt. However, XXXX XXXX XXXX XXXX failed to provide me with any of the documents I requested to validate the debt. 
Despite XXXX failure to provide the necessary validation, Experian has informed me that XXXX " proved '' the debt to them and has therefore refused to remove the item from my credit report. This decision violates my rights under the FCRA and the protections afforded to victims of identity theft. 
This unresolved issue has caused significant distress and has negatively impacted my credit profile. Experians failure to ensure the accuracy and verifiability of reported information, particularly in the context of identity theft, is unacceptable. 
I am requesting the following actions : A full investigation into the validity of this debt and Experians compliance with FCRA requirements. 
Immediate removal of the XXXX XXXX XXXX XXXX account from my credit report due to the lack of proper validation and the identity theft claim. 
Confirmation in writing that the issue has been resolved. 
I trust the CFPB will take my complaint seriously and take appropriate steps to ensure Experian adheres to the requirements set forth in the FCRA, particularly as it pertains to identity theft. 
Thank you for your attention to this matter. I look forward to your prompt response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint against XXXX, TransUnion, and XXXX for reporting unauthorized inquiries on my credit reports and their refusal to investigate my claims. Despite multiple attempts to address these unauthorized inquiries, the credit bureaus have ignored my correspondence and failed to comply with their obligations under the Fair Credit Reporting Act ( FCRA ). This negligence has resulted in the continued presence of unauthorized inquiries on my reports, negatively impacting my credit score and financial health.
Product: Debt collection

I have received a collection notice from a collection agency in the name of XXXX. I am pretty sure this is not my debt since I have not visited a doctor since 2002 and have never used XXXX as far as I know. It could be for XXXX my family members under my insurance but why is it being sent to me in my name and why did XXXX never send a bill?
Product: Credit card

Account name XXXX XXXX XXXX Account number XXXX Account type Debt Buyer Responsibility Individual Date opened XX/XX/ Status Collection account. {$910.00} past due as of XX/XX/. 
Status updated XX/XX/ Balance {$910.00} I filled a police report with the XXXX XXXX last year about this theft that is not mine. The XXXX XXXX office number is ( XXXX ) XXXX. They reapplied the charge and I want to remove the charge from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In acordance with the fair Credit Reporting Act XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  Account XXXX : XXXX XXXX  XXXX XXXX  XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX  Account XXXX : XXXX, has violated my rights 15 U.S.C 1681 section 602 A Staes I have the right to privacy.

15U.S.C 1681 section 2 : It also states a consumer reporting agency can not furnish an account without my written instrctions
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit union XXXX  tells me I am entitled to a FREE credit report. When I went to Experian 's web sight as directed by XXXX, I was denied access. There excuse was there is no credit report in my area. WHAT!!??? XXXX, PA XXXX doesn't have a credit report? 
These people also bombard me with email saying for a small fee that Experian can fix my credit. When I dispute anything on the web sight they just remove it and oh wahla! It appears on XXXX XXXX or the other one. 
It is a three ring circus, I have been going through XXXX ever since my wallet was stolen at gun point over ten years ago.
Product: Credit reporting or other personal consumer reports

It's with a deep concern I'm reaching back to you to bring to your attention a mishandling of the fraud review case I've notified you about on XX/XX/XXXX. 
Stolen personal information had been provided to open the loan account on XX/XX/XXXX. 
I've found out about the loan by looking at credit report on XX/XX/XXXX, called XXXX and reported fraudulent case. 
Over the next 6 months I've been calling XXXX on a regular basis trying to resolve the case. Following are facts : XXXX. XXXX has recordings of all calls, including the original call when the impersonator provided contact information recorded by you that is NOT mine. It should be evident from such call that XXXX party individual opened an account in my name fraudulently! 
2. At the first place, the XXXX issued a loan to an individual with XXXX  % of credit utilization!!! At that point no other financial institution would issue a credit, but for some reason this fact didn't stop you from issuing a credit at XXXX XXXX XXXX 
3. Every time I contact XXXX I get confusing and conflicting information with a pledge to provide me with updates via Phone and email. Every time I'm being explicitly asked about my contact information and contact preferences, however XXXX time and time again fails to act on this collected information. 
4. For the last almost 6 months of this dispute I still have not received any detailed information about the loan. 
5. When I've submitted a complain with CFPB, XXXX closed the complain right away without a review and just provided with XXXX customer service phone number. 

Therefore I found that : XXXX. XXXX does NOT do sufficient research BEFORE issuing credit. 
XXXX. XXXX collects PII information that is not well recorded or doesn't have clear purpose as the company does NOT act on it and collects the same information at every call. Therefore it's not clear HOW the collected PII information is used. 
XXXX. XXXX does NOT communicate details about loan information in clear understandable to customers manner. 
XXXX XXXX  is inconsistent with information shared to customers via phone compare to mail resulting in confusion.
Product: Debt collection

My brother contacted me regarding a voicemail he received on XXXX at XXXXXXXX XXXX. He forwarded it to me. After listening about 10 times to get the phone number I called to see what it was about. Couldn't understand the message or her when I called, but figured out she was trying to get money for a XXXX XXXX credit card, her name was XXXX XXXX and that I didn't remember having a credit Card from XXXX XXXX at the time we spoke. She threatened to Subpoena for a lien in my name. I hung up on her, because this has to be a scam. Before I could block her phone number, she called back and left a voicemail threatening me and saying I never contacted her. I then blocked that number. I then received a voicemail from the same woman on XXXX at XXXX XXXX  from a different phone number saying pretty much the same thing. All the voicemails are difficult to understand so I uploaded them. I didn't call back and blocked that phone number. I looked up both numbers on the XXXX and XXXX XXXX. Only found results on the XXXX XXXX. The XXXX area code was to a business called XXXX XXXX XXXX. There was no name associated to the XXXX area code. I found a Acknowledgement of Satisfaction of Judgement on XXXX that is proof I had paid for the credit card and filed XX/XX/2017. On XXXX my check # XXXX made out to the XXXX XXXX XXXX XXXX of XXXX XXXX for the amount of {$24.00} was cashed to remove the XXXX. This was on the HSBC Bank credit card that was for XXXX XXXX. I uploaded the Acknowledgement of Satisfaction, my carbon copy of the check, my bank statement and the letter sent to me from the Law Firm.
Product: Mortgage

On XX/XX/2017 I received my mortgage statement in the mail. I looked at it and it had a next payment date of XX/XX/2017 and I thought that was odd. I turned it over and saw that flagstar had entered in 3 fee amounts of {$990.00} all on the date of XX/XX/2017. Then it showed 2 payments of {$1400.00} posted to my account on XXXX. I made a payment of {$1400.00} on XX/XX/2017. I have no idea what happened so I called Flagstar. I recording of my account information said I made a payment of {$15.00} on XX/XX/2017. I  waited and talked to a girl and she said I was not due for another payment till XXXX and I said something is wrong I did not make all these extra payments and she said do n't worry just pay when it says to. Flagstar has applied someone else 's payment to my account before so I 'm assuming that is what happened. The girl opened up a case and I asked that someone call me and today is XX/XX/2017 and no one has called me. My case # is XXXX. I have been also checking my credit bureau and the balance on that for the month of XXXX shows a balance of {$210000.00} but Flagstar is showing a balance of XXXX that is a difference of {$2200.00}. The Credit Bureaus receive the update from the company every month so something is wrong with that. I want Flagstar to fix what is wrong and correct it. I am still waiting to hear back about the other case I have with Flagstar # XXXX that involved my modification and not removing my ex-husband and not having him sign any of the paper work and making me the borrower but he is still on the modification as you can see with the attachments I am sending he is still the primary borrower.
Product: Checking or savings account

I opened a CitiBank XXXX XXXX account on XX/XX/XXXX that had a bonus of {$150.00} for depositing $ XXXX and {$450.00} for depositing $ XXXX. I have been a CitiBank customer since XXXX using their XXXX XXXX  credit card weekly. 

I initially funded my account through a XXXX XXXX savings account with {$10000.00}. On XX/XX/XXXX I transferred funds from my personal XXXX account in the amount of {$10000.00}. Those funds were from my XXXX. I sent over another $ XXXX from XXXX XXXX, and then moved {$6200.00} from Citi to my XXXX checking account. My current balance with CitiBank is {$25000.00}. 

On XX/XX/XXXX I was informed that my savings account was being closed for suspected fraud and my credit card was closed as well. The transaction in question was the {$10000.00} that came from XXXX. Citi claims they could not verify funds came from an account I owned. I can't help that the deposit did not say my name. I'm sure I'm not the first Citi customer to transfer funds from XXXX. In order to make the transfer XXXX made XXXX small deposits and a withdrawal from my account which I verified through my XXXX account. That should have sufficiently proved my ownership. 

I called Citi to get this cleared up and was told they were not interested in my providing proof of my ownership of that account and my accounts would be closed. 

I now have to wait XXXX XXXX to receive my {$25000.00} from my account. I have bills to pay in the meantime and can not wait that long. There are no Citi branches in my state to travel to to get the money sooner. It is absurd that they offer a bonus for a large deposit and then close my account when I try to follow their rules for the bonus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account : 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 : 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

I HAVE SENT IN MY INFORMATION TO THE CREDIT REPORTING COMPANIES ( XXXX, XXXX, TRANSUNION ) NO ONE HAS DONE ANY UPDATES OR SENT OUT ANY LETTERS IVE CALL THE COMPANIES THAT ARE SAYING I OWE THESE DEBTS AND ASKED FOR MORE INFORMATION AND NO ONE HAS GIVEN ME A STRIGHT ANSWER ON HOW I OWE THIS MONEY ANY THE WHAT TO TAKE IT OUT MY ACCOUNT BUT I WONT GIVE THEM THE NUMBER OVER THE PHONE I DONT NO IF THEY ARE RAL OR NOT OR IF THEY ARE THE PEOPLE WHO STOLE MY IDENTITY.
Product: Debt collection

Credit Protection Association in Texas ( XXXX XXXX XXXX, XXXX, TX XXXX ) has created a collections against me for services I have not used or subscribed for a company called XXXX XXXX. I contacted XXXX XXXX and they have no record of my information nor an account with them.
Product: Credit card

Bank of American is charging me for " residual interest '' but can not produce any documentation, disclosure or terms and conditions for the card, talking about this residual interest. 
The bank representative and manager told me I was supposed to hold on to the paperwork I got with my card when I first received it years ago ; they said that was the only way for me to get the information. I had this card for years and do not have this hard copy of the disclosure. They later told me I could get a copy of the disclosure if I applied again for the same card, because I would received another hard copy withthe new card. This did not make any sense. 

The representatives later admited that this information " could '' be in the paper bill but it is not in the e-Bill, which means costumers ( like myself ) who choose e-billing per the bank 's recommendations to go green, are not informed about this residual interest calculation either. So, I am being charged residual interest when I have no access to any information on it. 

I had a {$0.00} balance since XXXX/XXXX/16 and Bank of America charge me " residual interest '' in their statement for the cycle that closed on XXXX/XXXX/16, 3 weeks later. 

I had this card for years under the impression that as long as I paid off my balance before statement closed I did n't have to pay interest for that period. No one at Bank of America has been able to produce any documentation stating otherwise. 

I am being charged interest on a {$0.00} balance, based on policy changes that I was never informed about by Bank of America, and they refuse to provide any documentation related to these interest calculation practices. 

Thank you. XXXX
Product: Debt or credit management

I have a Bright Money account where they take money from my personal checking and add it to a " stash ''. From the stash they pay certain credit cards towards their balances. For some reason, XXXX paid my XXXX XXXXXXXX card {$82.00} but XXXX : XXXX  XXXX didn't receive the payment ; and XXXX : XXXX  XXXX had a XXXX balance so why would they pay a XXXX balance card? I sent multiple e-mails to support and also to support chat where they told me that they have confirmation that the payment was sent but refused to look into it further. When I called support on XX/XX/year>, I made them have a three-way call with me and XXXX XXXX so that XXXX XXXX support can tell them they did not receive payment. Since then, XXXX  has done nothing to reimburse me my {$82.00} nor have they tried to rectify this situation. Each time I send a follow-up email, I get the same templated response that my issue has been " escalated to the team ''. Bright Money took my money out of my checking account and kept it for themselves when they lied and said they paid XXXX XXXX. XXXX is committing fraud and deceiving their customers.
Product: Credit card or prepaid card

The account has a fraudulent charge of {$21000.00} that I have raised to Wells several times now but they refuse to assist me in reversing the charge and closing out the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account from XXXX XXXX/XXXX XXXX that is a fraudulent account reporting on my credit. I have filed a FTC report.
Product: Mortgage

I had a FHA Re fiance in process with First Direct Lending. The day before I was suppose to close ( XX/XX/2018) my signing got cancelled. I reached out to First Direct Lending several times via email, phone text. I got no response. The website was down and leaving emails for people to email, the phone recording was telling people to press certain numbers and it transfers you to a voicemail. I found out that First Direct had closed down without notice. Do they not have to finish the loans that had final approval waiting to close? This was all done with no communication with there clients. Its not fair that now customers have to start the refi process all over with another inquiry on there credit reports and providing endless amounts of documents. What can we do?
Product: Credit reporting or other personal consumer reports

I filed a complaint to the three credit bureaus regarding to inaccurate items on my credit report. They just disregarded my complaint and telling that I am not the one who made it. I just want to inform you that they are wrong and I am the one who filed a complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX XXXX  XX/XX/2022 ; XXXX XXXX XXXX Balance : {$22000.00} ; XXXX XXXX Inquiry Date XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX, substandard security at Equifax allowed hackers to possibly access my credit report, social security number, credit card number, and other personally identifiable information. I was not informed of this until XXXX/XXXX/XXXX. I was not informed of this by Equifax, but rather learned about it through a personal finance forum I follow online. I say that my information was " possibly '' accessed, because at this point in appears that Equifax 's site for determining if you are part of the hack is giving out random responses XXXX as reported by XXXX XXXX. Perhaps this is related to Equifax suggesting the use of their own security tracking system on that site. 

I have had to freeze my credit as a precautionary measure, although that will probably not protect me from identity theft given that the hackers are sure to know how long the freeze will last. This cost me {$5.00}. Not much, but how many people have frozen their credit because of this hack, and how much have the credit reporting companies made off those freezes? How much did the Equifax executives make off their stock sale just prior to the announcement of the hack?
Product: Credit card

On Friday, XX/XX/2024 someone logged in my account and made a purchase on XXXX of {$1200.00}. This is the second time someone logs in my account and makes an unauthorized purchase. PayPal doesnt seem to do anything about it. I have changed my password multiple times and it keeps happening. I want PayPal to refund the unauthorized transaction and as soon as Im done paying off my balance, I will close my account.