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

Since XXXX of 2020 I've been consistently disputing fraud related accounts, phone numbers, addresses, and inquiries with Experian consumer reporting agency. Since my initial dispute I have received either no or very vague responses from Experian. Several fraud related address, accounts, and inquiries still remain on my credit file despite my letters, identity theft report, and supporting documentation. It is Experian 's responsibility to report 100 % accurate information pertaining to my credit report but yet they continue to fail to do so. Experian has failed to block the fraud related accounts upon being notified within 4 days from a consumer who's been a victim of identity theft under section 605b. Experian has refused to update and remove inaccurate fraud related addresses on my credit file as well as inquiries that were never initiated by me. It has been well beyond 90 days and yet this issue is still ongoing without any legitimate explanation. My personal information was compromised and I have been a true victim of identity theft. I have been denied credit and several loans due to this unfortunate situation and inaccurate credit reporting on Experian behalf. Accounts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX are all accounts opened as a result of identity theft and should have never been reporting on my credit file. Experian claiming the accounts have been verified as accurate is not feasible for an identity theft victim who's personal information such as name, address, and social security number has been compromised. Any thief who has obtained someone's personal information would be able to impersonate another individual as myself.
Product: Vehicle loan or lease

On XX/XX/XXXX - I was approved for an Auto Loan with PenFed Credit Union for the purchase of a XXXX XXXX XXXX. The rate was 6.64 % @ 84 months. 

On XX/XX/XXXX, Due to an issue with the vehicle, I was unable to take delivery of the XXXX. I placed an order for another XXXX, and PenFed stated I needed to reapply for a new loan with the new VIN number for the vehicle. XXXX cashed the check for old loan by mistake ; which caused a delay in being able to apply for the new loan required for the new vehicle. XXXX sent a refund check to PenFed. 

On XX/XX/XXXX, PenFed received the refund check, and started processing the closure of this loan. 

On XX/XX/XXXX, the payment cleared and PenFed was able to process my new loan application. The application was approved ; however the rate for the new loan was 7.29 % @ 84 months. I accepted the new loan via email with the contingency that the rate would match the old loan rate of 6.64 %- which was issued a few weeks before. The loan officer confirmed that a rate match would be processed once the loan was funded. 

I have been following up for 3 weeks to confirm the rate match. I received notice today ( XX/XX/XXXX ) from PenFed that the rate match was denied. I need help in ensure that PenFed honors the original loan rate that I was approved for. 

I'm attaching an email thread with the loan officer that stated all this information.
Product: Credit reporting or other personal consumer reports

Dear CFPB I have relentlessly been dealing with trying to remove a once deleted account on my credit report and Equifax XXXX XXXX XXXX has continued to fail me each and every time. It appears that it's about ruining a persons creditworthiness is more important than protecting them. I was a victim of ID Theft in early XXXX and some accounts have been removed and others have not. After careful review of my credit report I see the discrepancy of the reporting and I demand immediate deletion off of my reports. XXXX XXXX XXXX XXXX XXXX ( {$15000.00} ) & Account # XXXX ( {$7200.00} ) in the was opened in XXXX of XXXX and shows first reporting 30 days late in XXXX. There is no way an account can go an entire year and be reported a year later 30 days late! The other account XXXX was opened in XXXX and has no reporting history until two years later showing the first payment being 30 days past due 2 years later in XXXX which is impossible if no payments were made at all. I have asked them to show me how they have verified this information and they have failed me. 

The accounts are in fact past GA Statue of limitations which is well over 6 years. I did not make any payments because it was ID theft. Also after careful review XXXX is reporting the same account also XXXX XXXX XXXX as never late paid and closed date opened XXXX. 

Equifax also added these same accounts back to my credit report after deletion I was not advised of the reinsertion via USPS until 10 days later and when I spoke with Equifax regarding this I was told " oh well sorry '' which is a violation per FCRA The last reply from Equifax was rude and in all caps! Very unprofessional. 

I also asked that each bureau remove all previous address off of my report and to only report my current address and they did not. None of the old address are associated with any of my current accounts. This is my third request and I a kindly ask them to fix this as well. 

I have sent the same documents regarding my ID Theft of my ID, Police Report, and FTC affidavit several times only for them to seem to lose, or not use them at all!
Product: Debt collection

Harris an Harris debt collection recording. Phone number shows XXXX. Numerous calls during the day for months. I do not owe any one. Have no idea why their calling our number we have had for 37 years.
Product: Debt collection

I was contacted via Postal Mail on XXXX XXXX about a XXXX credit card debt that went to concerning an affidavit " Request Writ '' for garnishment ( nonperiodic ) to XXXX District Court XXXX XXXX XXXX MI XXXX, case # XXXX. It was filed against me by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ( XXXX XXXX ) with many Attorney names with bar numbers included. Furthermore, I was the Garnishee and it Included Huntington National Bank ( the true creditor ) out of XXXX Ohio. XXXX : {$980.00} on XX/XX/XXXX total judgment with interest accrued to date {$63.00}. The total amount of the post-judgment cost accrued was {$40.00}. The amount of unsatisfied judgment due is {$1000.00}. The credit card was with Huntington Bank with the last payment made in XXXX XXXX I visited the Local Huntington Bank Branch and spoke with a representative asking if their bank would allow garnishment of my social security and pension benefits from creditors or third-party debt collectors. I was told yes if they pay a fee of {$75.00}. I further explained that I am XXXX old and retired and my wife who had XXXX XXXX contracted XXXX in the XXXX time frame and with transportation costs, medications help cause hardship as I explained to XXXX the debt collector also.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX incorrectly reported my name to the credit agencies as XXXX XXXX XXXX when it is XXXX XXXX XXXX. This happened months after I legally changed my name from XXXX XXXX XXXX to XXXX XXXX XXXX. 

Additionally on their XXXX product they still continue to list me as " XXXX XXXX '' despite my repeated attempts to fix it. After this happened my credit score showed up in XXXX a whole XXXX points below that shown on my TransUnion credit report. The only change during that time was my name. I suspect that I will not be able to get a loan until this is fixed. 

When i contacted TransUnion they require me to physically mail copies of identifying documents to them to get my name corrected in their system. I assume that XXXX XXXX didn't have to mail paperwork for their mistake to carry over. TransUnion has also told me that XXXX XXXX has to fix things on their end. 

I have discovered that XXXX has that fictitious name on my report as well. I have not attempted to contact them yet. 

My basic complaint is that XXXX XXXX blames TransUnion while TransUnion blames XXXX XXXX  and NEITHER of them are willing to correct their unlawful mistake on my credit report in anything close to a timely manner. 

I am under the impression that this is a violation of Federal Law and if intentional may constitute discrimination based on my XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, and Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX Balance {$7800.00}, XXXX XXXX Balance {$380.00}, XXXX XXXX Balance {$7100.00}, XXXXXXXX XXXXXXXX Balance {$3200.00}, XXXX XXXX XXXX Balance {$230.00}.
Product: Debt collection

Recieved several threatening phone calls to my mother 's phone 's and mine from  United Recovery Services to contact them or they would garnish wages and contact by Human Resources depa rtment. When requested written verification of debt by mail nothing was never received by mail or reported to any of the credit bureaus.
Product: Credit card

I have had this account for almost 3 years, and they started charging me statement fees and did not notify me. 

Also, I am on auto pay and get account updates less often as I see the payment go automatically through my bank.
Product: Credit reporting or other personal consumer reports

Toyota Motor Credit Corporation ( TMCC ) and its affiliate, Toyota Financial Services ( TFS ), is claiming it is owed a past due balance of {$4400.00} by the account holder. However, per TMCC and its affiliate, TFS ' XX/XX/XXXX XXXX report with the Securities and Exchange Commission ( SEC ), page XXXX Secured Notes and Loans Payable section, it conspicuously states that, " We, ( being TMCC and its affiliate, TFS ), securitize finance receivables and beneficial interests in investments in operating leases ( Securitized Assets ) using a variety of structures. Our securitization transactions involve the transfer of Securitized Assets to bankruptcy-remote special purpose entities. These bankruptcy-remote entities are used to ensure that the Securitized Assets are isolated from the claims of creditors of TMCC and that the cash flows from these assets are available solely for the benefit of the investors in these asset-backed securities. '' It appears that the two applications submitted to purchase/lease two automobiles from the XXXX Toyota dealership in XXXX, New Jersey in XXXX XXXX XXXX TMCC and its affiliate TFS, purchased the commercial/chattel paper ( applications ), collateralized them, then transferred and converted the commercial/chattel paper ( applications ) into tradable securities to be sold and traded in the open and/or private sector markets to which I have received no benefit. Regardless of what TMCC, TFS and their affiliates claim, withholding access to my securities is securities fraud, in which I am entitled just compensation to. TMCC, TFS and their affiliates knowingly and willfully operated in dishonor, unjustly enriching themselves with unclean hands. Behaving in such manner are severe violations of federal law. If we are unable to reach a settlement agreement within XXXX XXXX XXXX XXXX days, I will have no other option than to hold them accountable for their actions to the full extent of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Account number XXXX Date opened : XX/XX/XXXX AMERICAN EXPRESS XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX Account number XXXX Paid, Closed. <P/>AMEX has reported negatively on all four credit bureaus preventing me from obtaining any credit, since I filed a complaint against them with CFPB in XX/XX/XXXX. AMEX has already reported my {$0.00} balance on both accounts earlier this year, but never with a negative remark until now, as if my two accounts were active. XXXX, XXXX XXXX, and XXXX XXXX have confirmed they would not give me credit due to AMEX 's negative notes. I have their telephone numbers and they can confirm my statement is true.

<P/>
AMEX has reported to all four credit bureaus that I failed to pay them as of XX/XX/XXXX. It appears they are trying to keep these two, 15 year old charge offs as a current, surpassing the 7 year limit according to the FRCA by any illegal means possible. <P/>Both accounts have been closed and delinquent since XX/XX/XXXX, but they have reported this differently on my credit file, so they can have an affect on my credit surpassing 15+ years. <P/>The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. prepared by the Federal Trade Commission : this is the law that gives you access to your credit file, allows you to dispute errors on your credit report ( s ), and limits the reporting of negative information to 7 years ( 10 years if were talking bankruptcy more info here. ) AMEX has broken the FCRA! Please have them remove these two delinquent charges off from all four credit bureaus ( XXXX, XXXX, XXXX, and XXXX ). <P/>Please have AMEX remove both accounts off all four credit bureaus and send me a letter as conformation. <P/>Enclosed in my previous credit report from XX/XX/XXXX to XX/XX/XXXX, and please review the difference their recent negative notation reported on XX/XX/XXXX -- on all four credit bureaus. <P/>Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This collection agency is listing this as an open account.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting

I reviewed my credit reports with XXXX, XXXX and Experian and found out that XXXX XXXX XXXX had been attempting to a collect a medical bill debt for {$880.00} against me. I never received a notice to dispute from the collector or original creditor. I sent a letter to XXXX XXXX XXXX on XXXX/XXXX/15 letting them know I dispute their claim under the FDCPA and am allowed to request validation from third party collection agencies. At the same time I sent the collector a letter requesting validation of the debt, I also notified all XXXX credit bureaus in writing that this information is inaccurate. 30 days later I have no debt validation from the collection agency and this information is still reporting on my credit reports and none of the reporting agencies will remove it per my requests.
Product: Checking or savings account

I have been unable to access this account for almost 1 year. I have called this bank roughly 5 times stating that at their dashboard it states : Something went wrong. 
Something unexpected went wrong on our end. 
Please try again. Thank you., please try again. 

I am unable to access any statements or tax forms. Their technical support has submitted multiple tickets without investigation. I have submitted a XXXX complaint which they responded because my address is out of date. I attempted to contact their customer support and send emails to change my address and only response has been 'We apologize for the issue you are experiencing. Our IT team is still working on a resolution. In the meantime, please let us know if you have any questions. '. I would love to close this account, but this bank will not let me close the account without first changing my address and restoring online access, which I can not do because they refuse to fix the technical issues. 
The most recent ticket opened was on XX/XX/XXXX unanswered and XX/XX/XXXX unanswered by their technical team. I call their Customer Service and they say they need more time to address the technical issues. 

They have been holding my money hostage for over a year and have not fixed this issue.
Product: Checking or savings account

I bank at Chase Bank in XXXX, AZ. I utilize my checking account to pay for my car rental from XXXX. After about a month my transactions from them to the bank being to get paid and then a week later will be withdrawn and leave the account in a negative state. However, I continued to pay my balance to XXXX dollars. Furthermore, after this last payment of {$600.00} I noticed the same thing happened to the transaction, it woul been listed as paid by the merchant and then would go negative a week later. With that being said, I contacted the bank and spoke with the fraud department they verified the transaction after declining it. So, I have to repay again while on the phone with the Chase Bank fraud department. Nevertheless, after paying the {$600.00} I now have a negative balance of {$300.00}. I now believe this is bank financial manipulation tactics because their taking the payments and removing the money and the listing it as not paid cause and overdraft. This has happened over XXXX times.
Product: Checking or savings account

On XX/XX/XXXX, My younger brother XXXX XXXX did steal a life insurance check for the amount of {$12000.00} made payable to myself from XXXX XXXX XXXX XXXX due to the death of my mother that occurred on XX/XX/XXXX. As I just mentioned, my mother passed away XX/XX/XXXX in her home in XXXX, XXXX At the time of her death I was XXXX and so I paid XXXX to to be XXXX to come home and deal with the loss of my mother. Subsequently, my mother had life insurance and therefor a claim needed to be initiated in order to receive payment. 
My brother and filed our claims to receive payment, however on XX/XX/XXXX I was XXXX to 18 months of XXXX time in XXXX County, XXXX for the unresolved matter that I was home on XXXX for when my mother passed away. My brother took full advantage of my situation and went to my home address, stole my check from my mailbox and EXTRAORDINARILY somehow did deposit MY check made payable to myself into his Capitol One Account with HIS name attached to HIS account that I have no association with whatsoever and of-course it was illegally done. I've brought this matter to the attention of Capitol One on XX/XX/XXXX when I was released from XXXX my XXXX and learned of what my brother did. Included in my supporting documentation is a copy of the check both front and back with my brother 's social security number, phone number, his Capitol One account number, the date of deposit and my forged signature. I have an affidavit of forgery that I signed stating and reiterating the fact that the signed signature is not my own, I've included a copy of my license and my passport that all reveal my signature along with the affidavit of forgery. I've been dealing with this issue for about 4 months to no avail. Furthermore, I received a response to this issue from a woman named XXXX XXXX that gave me her phone number and work hours as a person of contact on XX/XX/XXXX. As of today XX/XX/XXXX I still have not heard from XXXX XXXX nor Capital One, Ive called XXXX XXXX nmerous times at the number and extension provided and have left messages again to no avail. It seems as though Capital One just sent any old response to have this case closed.
Product: Credit card or prepaid card

I transferred money from my XXXX account to the card and once it was rejected by the card I am immediately cancel the transaction and the company will not give me my money back
Product: Mortgage

I 'm currently upside down by XXXX-XXXX and unable to refinance and as of XX/XX/XXXX my mortgage payment will increase from XXXX to XXXX. Due to interest rate increase. I applied for a home modification or rate modification with my mortgage bank and they denied me. They stated that I should be able to make the new monthly payments based upon income and that they could not adjust my mortgage balance so that I could refinance. How can someone that 's living paycheck to paycheck take a major mortgage increase like that with no assistance options. I was told by chase to sale the home or give it back. I have never been late with my payments. I 'm just a single man struggling to keep a roof over me and my XXXX parent head. It 's sad that they want to throw us out into the street. Unfortunately I 'm in a area that has not recovered form the XX/XX/XXXX housing boom. I 'm still under water with no hope in sight due to the decline of the area. We the tax payers bail the BIG banks out all the time and it 's sad that they ca n't show a little compassion for the tax payers in their time of need.
Product: Credit reporting, credit repair services, or other personal consumer reports

tried to dispute the information but the agency would not remove the incorrect data
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX in response to the XXXX hack I attempted to put a security freeze at all 3 credit reporting services. When i tried to do that online at XXXX they said I had to create an account or sign in. I tried to create an account but the computer said I already had an account. This is possibly from about 15 years ago when i tried to fix an error on my report. 

I have no idea what the password or username would be so I tried to retrieve them. The the computer gave me the message that it could n't get the account info and was unable to complete the request. 

I finally had some time today ( XXXX XXXX, XXXX ) to try again. I called XXXX, waited on hold and was finally connected. The person told me I had to call Consumer Relations at XXXX. I called and was placed on hold. The person told me I had to call the Consumer Relations Online Dept at XXXX I called that number and the robot gave me options none of which was to talk to a live person and none of the options was for what I needed. It was all robots. 

I called XXXX again, was placed on hold and they again told me I had to call the Online number. When I told them I was unable to talk to a live person they said I had to call that number. I talked to a supervisor and he said he had no information about that department and could not help me but I had to call that number to resolve my problem. 

Unbelievable/ frustrating! I gave up and am writing this.
I had the same problem with the 2 other credit reporting companies. I could get into their websites because they said I had an existing account but could not tell me the Username or Password.
Product: Debt collection

3rd Party collection company is attempting to collect a debt, that was not mine nor authorized by me, additionally, this debt they are attempting to collect is beyond 6years the statute of limitation in Pa where I reside, the holder of this debt is also a collection agency, XXXX the original debtor removed the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to file this formal complaint to EQUIFAX. I sent them a letter last XX/XX/2022, regarding the inaccuracies in my report such as the date of last activity, date opened, date reported, payment status, incorrect late payments, amounts reflected and etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However, when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. My rights have been violated numerous times.15 U.S.C 1681 section 602 A. States that 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 an account without my written instruction.