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

My credit file has suffered severe damage due to Experian negligence, with respect to the FCRA and fdcpa. Experian Report Number XXXX date generate XX/XX/2023 Experian is furnishing XXXX inaccurate and fraudulent accounts on my credit file. Please see attached FTC report number XXXX for reference. See attached docs as it includes my statement, copy of my ID, the identifying information of the fraudulent inquiries, and copy of my bill to help verify my identity and proof of mailing address. With respect to FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, 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 by such agency of- XXXX ). appropriate proof of the identity of the consumer : XXXX ). a copy of an identity theft report ; ( Report # XXXX. XXXX ). the identification of such information by the consumer ; and XXXX ). statement by the consumer that the information is not transactions made by the consumer. 

As Experian conducts their investigation, I expect Experian to block the mentioned account within 4 business days in accordance with the law to cease the damage that has been caused. Upon completion of your investigation please furnish a new copy of my credit file to me at the address identified on my supporting documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to initiate my disputes on line and continues to list fraudulent information on my credit report.
Product: Mortgage

Good Afternoon Not sure if this is the right place to file my complaint, but I will try. 
I keep getting emails from quicken loans and many of its subsidiaries about new loans, and refi 's. I get about 4-5 emails a day. The address me as XXXX, or XXXX XXXX. Highly unprofessional. There is a link to unsubscribe but it does not work. I tried to email them back but it gets bounced back as a bad address Please see sample email : XXXX, You could pay off your mortgage faster! [ XXXX ] XXXX XXXX at XXXX PM XXXX  message Quicken Loans XXXX To : XXXX XXXX XXXX To protect your privacy, has blocked remote images in this message. Show images XXXX XXXX, We hope this email finds you well! As we write this, with today 's rates, it may be the perfect time for you to consider refinancing. Quicken Loans is ready to help you look at your options before it's too late. 

VIEW NOW This is an advertisement Rocket Mortgage , LLC, ( XXXX Quicken Loans ) ; XXXX  # XXXX ; XXXX  XXXX XXXX XXXX. Licensed in XXXX states. AL License No. XXXX XXXX, XXXX XXXX. XXXX. XXXX, TX : XXXX XXXX XXXX, XXXX, MI XXXX, ( XXXX ) XXXX ; AZ : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AZ XXXX, Mortgage Banker License # XXXX ; CA : Licensed by Dept. of Business Oversight, under the CA Residential Mortgage Lending Act and Finance Lenders Law ; CO : Regulated by the Division of Real Estate ; GA : Residential Mortgage Licensee # XXXX ; IL : Residential Mortgage Licensee # XXXX Dept. of Financial and Professional Regulation ; KS : Licensed Mortgage Company MC.0025309 ; MA XXXX Mortgage Lender License # ML XXXX ; ME : Supervised Lender License ; MN : Not an offer for a rate lock agreement; MS : Licensed by the XXXX  Dept. of Banking and Consumer Finance ; NH : Licensed by the NH Banking Dept., # XXXX ; NV : License # XXXX ; NJ : XXXX XXXX Rocket Mortgage , LLC , XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX, ( XXXX ) XXXX, Licensed by the N.J. Department of Banking and Insurance . ; NY : Rocket Mortgage , LLC, XXXX XXXX XXXX, XXXX, MI XXXX Licensed Mortgage Banker-NYS Department of Financial Services ; OH : MB XXXX ; OR : License # ML-1387 ; PA : Licensed by the Dept. of Banking License # XXXX ; RI : Licensed Lender ; WA : Consumer Loan Company License CLXXXX. Conditions may apply. XXXX Rocket Mortgage, XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX Rocket Mortgage , LLC ( XXXX Quicken Loans ). All rights reserved. Lending services provided by Rocket Mortgage , LLC, a subsidiary of XXXX XXXX XXXX XXXX ( XXXX : XXXX ). Quicken Loans is a registered service mark of XXXX XXXX, used under license. 
To no longer receive emails from Rocket Mortgage unsubscribe here. For the best client service, we record and monitor your communications ( e.g., phone, email, chat, our website ) with us. 
This message was intended for : XXXX XXXX were added to the system XX/XX/XXXX. 
For more information click here. Update your preferences Unsubscribe | Unsubscribe via email XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax suffered a security breach, exposing my personal information to risk.
Product: Credit card or prepaid card

XXXX, a virus protection system, emailed me they were automatically renewing the service I had signed up for. The amount is small, only {$89.00}, but I did not agree to the charge and wrote to XXXX telling them not to renew the system. 

The XXXX system was using a credit card that was not in service, that had either been cancelled or replaced. 

The credit card company initially removed the charge while investigating, but without notifying me of their decision, decided to honor the charge and added back the {$89.00} charge to my Discover bill. 

I had previously notified Discover that it was impossible to reach XXXX either by email or by phone, and I had documentation saying I did not want this service removed, but Discover seemingly did not care either about my efforts nor did they verify the accuracy of my position.
Product: Debt collection

They call repeatedly giving me false answers to my questions below is the timeline just over the past XXXX weeks-Talked to a rep on XXXX said they called the creditor and they said they would settle for XXXX and said my credit report will show PIF but the creditor will not agree to remove it off my credit and will remain on there till date expected to be removed unless I pay full amount. I asked my credit counselor if this was the best thing to do she said no not to pay it unless they agree to remove it completely. 
Talked to a rep asha on XXXX told them about the conversation I had with the other rep and told them what my counsel had told me and they said let me place u on hold to ask my supervisor to make sure the debt can be removed got back on the phone and stated supervisor approved for her to put a note on the account about the deletion told her before we proceed I need that in writing said she would email a document over to me and call me back the call was at XXXX per phone records. I never received the documentation via email. Called asha back at XXXX stating I have not received the document no answer left a message. Called me back at XXXX left me a VM saying she needed more information from me before she sends the letter. XXXX called me saying he was the operations manager and to call him back called back spoke to him he said they do not do settlement offers like that and they wo n't be able to delete it unless I paid the full amount. I became frustrated at him since I clearly was n't told that not even an hour before said that he would call the creditor and ask. Never called back.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX OF XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

submitted Deputies and verification of debt VIA Certified mail on XX/XX/XXXX along with a settlement of debt offer to companies listed below Via certified mail, see USPS Receipts. 

None of the companies listed below have responded to the 15 day requested time frame Per the Fair Debt Collection Practices act and are still actively reporting negative debt on my credit report. 

XXXX  - XXXX XXXX XXXX XXXX - amount stated owed {$560.00} Credit limit was {$300.00} paid. Unsure how {$560.00} is falsely being reported and no information will be returned or has been verified by company. 
XXXX XXXX XXXX XXXX, MN XXXX Calvary Portfolio XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX-amount stated owed- {$670.00} XXXX CC . I believe amount was paid being that on another report it shows paid in full. No response back from company for debt validation or Debt settlement offer response .XXXX Dispute report # XXXX shows the XXXX/XXXX  # XXXX Paid in full and acct closed by me XX/XX/XXXX. 


XXXX XXXX XXXX - Amounts have conflicted info on reports {$580.00}, {$720.00} acct # XXXX This collector agency has been deleted from XXXX  conformation # XXXX due to unable to verify debt but still reporting on XXXX, and XXXX. 

XXXX XXXX- Amount stated owed {$1200.00} acct # XXXX XXXX XXXX XXXX XXXX FL XXXX - XXXX CC used was not me, I asked them to provide validation of debt that it was me that used the CC. The cc was used for a denture company whom was not me, I also sent a Settlement offer letter agreeing to pay a refused amount of XXXX for deletion. No response back to both requests. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX - {$7000.00} acct # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX GA,XXXX- {$7400.00} acct # XXXX Both companies reporting same debt and conflicting amounts owed, also XXXX reports same acct as paid in full, and {$0.00} owed under same acct # XXXX. Report attached. 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX, MS XXXX {$580.00} Both companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX are reporting same account on my credit report. No response back for Debt verification and Settlement offer sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several inaccurate late payments from open sky on my consumer report which violate 15 usc 1681c2
Product: Debt collection

Company did give proof of debt validation without proof of signature, ID other than an expired lease. There is no contract between Fair Collections and myself that states I owe them the debt. They fabricated a fake XXXX  XXXX licensing number ( XXXX ) that are not valid in my state. Under NMLS consumer access that are not licensed to collect in my state. This is a major violation to attempt to collect a debt. 
According to the Fair Debt Collection Practices Act ( FDCPA ) 809 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Credit Reporting Act ( FCRA ) 611 ( a ), I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the inquiry listed below which is reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law XXXX XXXX Balance : {$2500.00}, XXXX XXXX XXXX  XX/XX/2023
Product: Debt collection

I was paying a collections company Definite for a bill from XXXX XXXX XXXX phone company and only had a one payment of {$110.00} left when they sold my collection to SW Credit Systems LP and they put on my credit report on XX/XX/XXXX for {$560.00} that was before I was to make my last payment after XX/XX/XXXX with the other company. That is XXXX they didn't let me finish paying them so it was paid off so they could charge me more interest and put it on my credit report.
Product: Credit reporting or other personal consumer reports

The reported late payments are inconsistent with my regular payment history.
Product: Credit reporting or other personal consumer reports

in according with the fair credit reporting act XXXX  Account # XXXX, has violated my rights. 
15U.S.C1681 section 602A States I have the rights to privacy.

15 U.S.C 1681 section 604 A section 2 : it Also state a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I had made a complain about my Wells Fargo online access due to misinformation in my payment account and it was disabled and I want help back enabling my online access because Im on a business trip and cant go to the branch..
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( XXXX XXXX Code XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both XXXX U.S. Code XXXX ( XXXX ) and XXXX U.S. Code XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code XXXX, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had my fifth third credit card account on auto pay for the last 12 months and I just checked my credit and it says that i have a 30 day late payment on the credit card. The money was taken out of the account and paid. It should not be appearing as a late fee on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking for a refinance for my primary home and started the application process with Axosbank on XX/XX/2020. I started filling up the online application and went IN and OUT couple of times and still not decided or finalized that either I will go with them or not, so my application was never submitted or finalized. On XX/XX/2020, at XXXX I received an email from axosbank stating " You're almost there. You started your mortgage refinance application, and it will only take a few minutes to wrap it up. Please take a moment to finish, and well move you forward in the process. '' Which also confirmed me that I have not submitted and finalized my application, but later that day in the afternoon I received an alert from my credit monitoring that a lender pulled a report. I looked and found out that Axosbank did it, I emailed and later spoke with my loan officer at the bank who said he is not aware of what happened and he will find out from his manager and get back to me. 
Later that evening my loan officer named " XXXX XXXX '' called me and confirmed me that the I logged in to their system on XX/XX/2020 and never logged in after that and he also told me that since I have started the application which in other word agreeing their terms and condition to pull my credit, they are entitled to do and this is what his manager did. His manager pulled my credit on XX/XX/2020 even though my application was still in draft and never actually submitted. 
my concern is I started the application doesn't give them my consent to pull my credit report until I finish the application i.e. hit the " Submit Application ''. 
Loan officer " XXXX XXXX '' stated that according to his manager this is incorrect. if client started application, regardless of he finished or not, they are entitled to pull credit. 
This is wrong practice and illegal. by visiting their website and click on apply now button and just putting my social and other information doesn't give them the permission to pull my credit. They pulled my credit report without my consent and without my permission. 

There is no where on their application process its stated that regardless of you submit the application or not they will pull the credit. This is illegal and misleading consumers.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of chargers and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, what transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card or prepaid card

They buried information about the card expiring, putting it under a section in an email that says " If the link doesn't work ... '' then it lists reasons why ... one of which is it could expire. However, no one would read those steps to do if a link doesn't work ... .until the link doesn't work, at a point in time which the card has already expired. This is just a fraudulent vendor, trying to bury this information.
Product: Debt collection

Paid this debt to another creditor already. Have documentation saying the account has been settled. I will not do the homework for this company. 

Rausch Sturm LLP : Received a letter on XX/XX/2021 saying I owe XXXX to XXXX XXXX  XXXX, XXXX. 

Debt has already been settled and has been previously removed from all 3 credit bureau 's as well.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I started an International wire transfer at the local Bank of America Branch. I transferred funds from my savings account to a company in XXXX XXXX ( XXXX ). 
-After about 10 days I asked and the XXXX company indicated that they did not received and money. The XXXX company contacted their bank and were told the funds were rejected/ returned by the bank because the XXXX company name was incorrect. 
-On XX/XX/XXXX the XXXX company contacted their bank and informed me that my funds were received on XX/XX/XXXX and returned/rejected on XX/XX/XXXX to Bank of America XXXX 
-On XX/XX/XXXX I spoke with Bank of America ( B/A ) 'Wire Transfer Customer Service ' and the rep. 
indicated that they would put a trace on the funds and was told to call back in about one week. 
-On XX/XX/XXXX I called B/A wire customer service again and the rep. said she would request the return of my funds. 
-As mentioned about on XX/XX/XXXX the XXXX company was told that the funds were returnded on XX/XX/XXXX. 
-On XX/XX/XXXX called B/A wire cust. service and gave this info to the telephone rep. who indicated to me on the phone that she would transfer the funds to my account. 
-As of XX/XX/XXXX no funds have been received. 
-I need your assistance since the wire customer service had known that my funds were returned on XX/XX/XXXX and was not informed or the funds were not credited to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with XXXX XXXX causing my credit report to reflect my account being 3 payments late and a drop in my credit score.
Product: Credit reporting or other personal consumer reports

Unfortunately, I am a victim of human trafficking of Debt bondage. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. Per the law they should be removed after I supply proof of who I am as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Credit reporting or other personal consumer reports

Every time I look at my report, Im faced with errors that are holding me back. My score is suffering, and Im being deprived of financial and professional opportunities because of inaccuracies that dont belong there. Its incredibly frustrating and completely unfair.
Product: Debt collection

On XX/XX/2023 Oliver ADJUSTMENT CO is reporting that I owe XXXX. This companys are reporting that I owe them those balances. I need the audit trial of the balance. Also I need them to provide me with the agreement that grants them to collect this allege debt. Also provide with the master bill of sale
Product: Payday loan, title loan, or personal loan

I believe that the loan I have with this company is illegal in the State of Florida and may be considered predatory lending. The original amount financed is {$900.00}. APR is 670 % with a total finance charge of {$2700.00} over the life of the loan. Semi  monthly payments of {$280.00} began on XX/XX/XXXX. Most recent payment made was XX/XX/XXXX and the last payment is scheduled for XX/XX/XXXX. Payments were being debited from my XXXX XXXX checking account via ACH, but I have recently sent XXXX XXXX written notice that I have revoked authorization for ACH debits.
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 Balance : {$3800.00} XXXX XXXX Balance : XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided proof and I have informed Experian many times my only name is XXXX XXXX. My only address is XXXX XXXX XXXX XXXX, Florida XXXX. My only place of employment is XXXX XXXX XXXXXXXX XXXX. There is no debate, there is no investigation necessary. Retaining incorrect information after I have repeatedly requested the correction is a Violation of the Fair Credit Reporting Act. I believe this is grounds for a law suit. There are three violations just in my Personal Information.

15 U.S. Code 1681i : Procedure in case of disputed accuracy ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer