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

Experian continues to violate 18 USC section 1342 - fictitious name and address. I have complained to Experian regarding fictitious names and addresses present on my consumer report and I requested the fictitious name and address be deleted. Instead of doing so, Experian maintains the fictitious names and addresses in question on my consumer report without my consent. Also, Experian added a new fictitious name to my consumer report, adding to possible identity theft. Again, I want all fictitious names and addresses that I as the consumer did not give express consent to have on my consumer report to be deleted immediately. I also want all phone numbers deleted from my report that I as the consumer did not expressly provide to Experian. 15 USC 1681 Section 604 a section 2 states that a consumer reporting agency can not furnish an account without my express written consent ; under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. I never consented to share any information with any non-affiliated parties, such as Experian. This is a clear violation of 15 U.S. Code 1666b - Timing of payments : ( a ) Time to make payments. This furnisher can be liable for willful noncompliance under ( 15 U.S. Code 1681n ). Experian never received any express written consent from me to furnish my consumer report with any timings of payments. I have sustained damages by Experian willfully report timing of payments negatively on my consumer report without Experian having firsthand knowledge nor having my express written consent to do so. Such damages include, but are not limited to, preventing me from obtaining credit cards and denied rental approvals. Anyone sharing my data without consent is committing Aggravated identity theft. All negative appearing items on my consumer report need to be deleted immediately. Experian also maintains the entity named XXXX XXXX XXXX on my consumer report when I have no contractual relationship with said entity. That entity needs to be deleted from my consumer report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and corrected for erroneous reporting in my file and are listed on my credit report : XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is incorrectly and inaccurately reporting a Business auto loan for the purchase of a XXXX XXXX XXXX XXXX in my personal and individual name on my Consumer credit report. The auto loan contract originated in the name of a Business and not an individual. Evidence of the purchase and sale contract ( retail installments ) will validate that this account is a Business account for the auto loan and not an individual Consumer loan. Therefore this Business account should be removed from my personal Consumer credit report because the auto loan account is in the name of a Business account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX completed registration for the XXXX XXXXXXXX XXXX XXXX XXXX the name of a Business. The registration of the vehicle is in the name of a Business and not in the name of an individual consumer.
Product: Credit card or prepaid card

On XXXX XXXX I applied for a Capital One Visa card and I was denied due to company errors of new credit card application Capital One Mastercard approval back on XX/XX/XXXXor XX/XX/XXXX. 
In which six months has past as of XX/XX/2018 as Capital One Administration stated their guidelines is six months in applying and I had a Pending Capital One Mastercard Credit card back in XX/XX/XXXX orXX/XX/XXXX. 
That Pending Capital One Mastercard credit card application was approved onXX/XX/XXXX or XX/XX/XXXX in  ending # XXXX in which is active from XX/XX/XXXX or XX/XX/XXXXtill Present. 

I have been making timely payments since XX/XX/XXXX till Present and I pay over the $ XXXX monthly payments of {$100.00}. 
I spoke to Capital One Credit card rep on XX/XX/XXXX from my cell phone XXXX and requested for Capital One to " Reconsider Application of XX/XX/XXXX as Capital One pulled my credit and place a hard inquiry on my credit report and it decreased my credit scores on XXXX, XXXX and XXXX 

Also on my resisting Capital One Mastercard ending in # XXXX I requested a credit limit increase over {$750.00} and I was denied because of my XXXX XXXX. 
My XXXX XXXX Pension XXXX  income is around {$53000.00} a year with a XXXX % XXXX   increase every year on XX/XX/XXXX, so my XXXX Retirement income increases every year onXX/XX/XXXX. 
I am Retired and XXXX XXXX.I am also a XXXX XXXX XXXX Military Veteran.
Product: Debt collection

Alliance One contacted me about a fraudulent and fabricated debt that was 15-years-old. The matter was fully adjudicated in 2003. Alliance One is fraudulently attempting to collect a debt that should have never existed to begin with because the original matter was fabricated. It was in fact fully paid as documented with legal court receipts, and as a result the matter was fully dismissed, discharged and closed through court-ordered adjudication. They have currently suspended my license illegally. Now I have suffered loss of income, traffic tickets, and even XXXX. 
Even worse, even if the fraudulent debt were valid, the debt is time-barred, through the statute-of-limitations. Further still, the Alliance One representative repeatedly lied about where they were located, what their first and last name was, and even the telephone number from where they were calling from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to remind XXXX XXXX XXXXXXXX that, as a victim of identity theft, I have the right to dispute any account created using my personal information. I have filled an FTC affidavit in early XXXX and sent it to the CFPB, who subsequently sent it to XXXX XXXX XXXXXXXX. I have been out of the country since XX/XX/2023 and, upon my return, I received multiple mails from XXXX XXXX  XXXX asking me for a copy of the FTC report. By declining my claim, XXXX XXXX XXXXXXXX is denying me my rights under the Fair Credit Act. I would like to remind XXXX XXXXXXXX XXXX that they have a copy of the FTC report, which the CFPB sent them, and request that they reconsider my claim.
Product: Credit card or prepaid card

Comenity Bank calls me 5-7 times daily from different numbers, some blocked. My payment has been scheduled. When I complained to the last person I talked to about the repeated calls, she said it was due to an auto dialer and that it wasn't against the law to call multiple times in a day.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I mailed a written dispute to this credit bureau requesting that inaccurate information on my credit report should be validated and updated immediately. This credit bureau responded back with a letter claiming that they did not believe this dispute was sent by me and that I would have to call and verify my identity with them, I proceeded to call and verify my identity and after spending countless time over the phone being transferred back and forth, I still was unable to get any real help with this issue. I am requesting that the negative and inaccurate information on my credit report is immediately deleted. Per the Fair Credit Reporting Act, this company had XXXX  days to validate this request and update my credit report but they failed to maintain protocol that follows the laws set forth in the Fair Credit Reporting Act, failing to meet these requirements, any information disputed should be immediately deleted from my credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX SSN : XXXX DOB : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX - XXXX Dear TransUnion I am disputing the account ( s ) stated in this document. Previously, I disputed this account information as being inaccurate, incomplete, and invalidated and you responded by stating you were able to verify or validate this debt. Tell me how is that possible when you have employees and an automated system judging my disputes within seconds? Its no way a real investigation was made. Under the laws of the FDCPA, I have contacted the collection agency myself, and they have failed to validate that this is indeed my debt. I have copies of my requests to the collection agency, asking them to validate the debt, as well as the receipts showing I sent them a letter by certified signature request. I was given no evidence of my obligation to pay this debt to these collection agencies. This debt is not mine. The Fair Credit Reporting act. requires you to verify the validity of this within 30 days. If the validity can not be verified, you are obligated by law to remove it from my credit file. I urge you to remove this account before I am forced to take legal action. If you can not verify the item pursuant to FCRA. And you continue to report it on my credit. I will find it necessary to ( Sue you for actual damages and defamation of my character. According to FCRA regulations, I may sue you in any qualified state or federal court. 



including a small claims court in my area. This is my warning. I demand you to delete these items at once. 




XXXX XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 

XXXX XXXX : Account number : XXXX, -. Kindly investigate and make sure this account belongs to me, because I can not recognize this business. Please delete this account from my credit report. 



Sincerely, XXXX XXXX XXXX
Product: Debt collection

This company EXETER Finance continues to violate me with abusive, contradicting and illegal tactics to try and intimidate me in regards to a an already paid debt which was XXXX by the IRS, they have also admitted to selling third party companies my personal information which is illegal per 5 USC 522a. 
They have also violated the Fair Debt Collection Practices Act which is found on the FEDERAL TRADE COMMISSION website which states in 15 USC 1692 ( a ) Abusive practices and 15 U.S. Code 1692c - Communication in connection with debt collection which states once given NOTICE that all communication must be CEASED, The only communication that should be initiated should be the following -to advise the consumer that the debt collectors further efforts are being terminated ; -where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. 

I should there for not be communicated with other wise, The debt has been paid and they want triple payment it seems, You have received payment from the IRS, you have admitted to also SELL my DEBT which you have also received payment for. 
PLEASE STOP WITH THE ABUSE AND THREATS!!! NO MORE COMMUNICATION SHOULD BE RECIEVED BY MAIL OR ANY OTHER COMMUNICATION TOWARDS THIS FAKE FRAUDULENT DEBT. 
- No More communication about fake debt -stop with misrepresentation ; no signature or Printed name found on the mailed mentally abusive and manipulative document sent on XX/XX/2024. 
Corporations can not speak so for an individual to write " Sincerely, EXETER FINANCE LLC '' at the end of mailed document is misrepresentation and fraud within itself. You have violated my fundamental unalienable rights ten times if not more,
Product: Mortgage

I'm having an issue with a new mortgage company that took over my account beginning XX/XX/XXXX. I do have an escrow account. My property taxes were due on XX/XX/XXXX and they have not been paid yet. Also, my Summer property taxes have gone up {$930.00} this year. They haven't adjusted my mortgage payment to make up for the rise in my property taxes. I received a past due notice on my property taxes last week and called the company and they said they would look into it. I also sent messages to them on their webpage but when I called the city office yesterday they told me their still not paid. I don't know what to do to fix this problem. I already have a {$50.00} late penalty on mytaxe and that increases at the end of this month. I'm currently retired and lining on Social Scurity. The name of the Mortgage company is Freedom Morgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX Account XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have XXXX XXXX. Per XXXX. XXXX l owe {$120.00} with Ref. as of XX/XX/2023 to XXXX XXXX XXXX XXXX. This XXXX, XXXX XXXX XXXX. XXXX, would NOT render me any services unless I pay my responsibility ( copay ) upfront. I do not owe such debt. I would really appreciate a response to my complaint. Thanks
Product: Credit reporting or other personal consumer reports

I have several addresses that do not belong to me that I have filed a complaint over in the past. PLease remove the following addresses : 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 

The is a fraudulent account that was on my credit report that I have never don business with this company XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

We had a line of credit on our home and it was serviced by Specialized Loan Servicing. We paid of the line of credit and desired to close the line of credit. The fine print says and we have documentation to support this statementment attached : " If the borrower makes a prepayment during the first thirty-six months after the agreement date, the Holder may collect a prepayment charge of two percent ( 2 % ) of the outstand balance on the line of credit at the time of prepayment. We had a {$0.00} balance on the loan and proceeded to close out the line of credit. We received a bill in the mail for {$4500.00} to allow us to close out the line of credit. We had to pay it because they refused to follow the fine print and we needed to close the line of credit at that time. We initial sent correspondence to Specialized Loan Servicing and they continue to delay and have stop responding now. After many phone calls we were told to send an email to them and that started in XX/XX/2021. I have attached the continued mail correspondence as they will not communicate over the phone or via email with us regarding the issue. We want our {$4500.00} refunded as it was not legally collected from us but we had no choice but to pay to move forward and close the account. We spoke with the lender that closed the loan and he said he agreed but we would have to go through the SLS company and he would not be able to correct the problem. The lender is XXXX XXXX  but they only refer us to the servicer SLS. And they keep sending letters saying they will get back to us in `15 days and then an
Product: Debt collection

CRA VIOLATION / NO KNOWLEDGE OF FRAUDULENT COLLECTIONS ACCOUNT APPEARED ON MY EXPERIAN CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. i had two late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments i've attached a copy of my report to this complaint on the following dates XX/XX/2022 AND XX/XX/2022. 

I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit card

Here is the email I have sent to Avant resolutions department XX/XX/XXXX Fraud charge put onto my account XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} XX/XX/XXXX had auto withdrawl of {$25.00} + Annual fee {$29.00} So my XXXX Statement would have been the {$4.00} + XXXX + interest In XX/XX/XXXX I make the claim of the fraud charge XXXX statement the fraud change was removed, so my balance was a negative<credit> {$43.00} XXXX Statement still have a credit balance of {$43.00} XXXX Statement - AVANT PUTS THE FRAUD charge back onto my account of XXXX and claims that it is a separate charge because it is on a separate day. EXACT same vendor and EXACT same amount of {$79.00}. Also you see that when I made claim back in XXXX, Avant cancelled my original credit card number and issued me a new credit card. 

AVANT NEEDS TO TELL ME WHY THEY BELIEVE THIS CHARGE IS A DIFFERNET TRANSACTION and NOT BECAUSE IT IS ON SEPARARTE DAY!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! AVANT PUT THE CHARGE ONTO MY ACCOUNT XXXX through XXXX I'm being changed late fees and my credit score has gone done from XXXX to low XXXX because of these late fees. 


Current statement, on XX/XX/XXXX Avant finally accepts my claim of the fraud charge and the XXXX along with the latest late fee has been removed, but I still owe late fees from XXXX - XXXX. 

Email from XXXX dept on XX/XX/XXXX Hello, I did get this over to my direct superior with Avant, this claim has been accepted with information you just provided and you will see the credit within the next XXXX as it does not reflect right away. I do know you mentioned this impacting your credit, you will want to reach out to customer service or the credit bureaus. If you contact customer service they will be able to see the notes on the claim in regards to Avant accepting the charge and credit being permanently issued back to you. 



Thank you, XXXX XXXX XXXX XXXX XXXX  Issuer Dispute Operations XXXX  Worlds Most Admired Companies XXXX | XXXX XXXX XXXX | Join Our Team | XXXX | XXXX XXXX XXXX XXXX XXXX XXXX or its affiliates. XXXX is a registered trademark of XXXX XXXX Privacy Notice From XXXX. XXXX XXXX XXXX XXXX XXXX. All rights reserved. Used under license.
Product: Checking or savings account

My husband had a bank account in XXXX with USAA and closed his account. We got married in XXXX and I opened a new account with USAA. USAA does not tell anyone that they keep accounts for wire transfer linked to your profile until you remove them. XXXX my husband went to send our current landlord {$1800.00} and it sent to his landlord from 13 years ago. We immediately called USAA and requested a dispute. We received a letter stating that it was denied and that they tried to reach out to the person we sent it to. One problem with that is that it was 13 years ago and he did not have his information. I researched and researched and messaged multiple people on XXXX to find this person. We finally got in contact with the recipient at no help of USAA to learn that they never actually contacted him and when he contacted them, they told him it was a fraudulent transfer and made him close his account and open a new one but could not tell him where the transfer came from. They also wouldnt let him file a dispute. They let him keep the money and thankfully hes a good person and we resolved it once communicating. We were lied to on both ends and it was a 35 day long nightmare with multiple calls and headaches for both parties. We had to resolve this on our own with no help from USAA.
Product: Money transfer, virtual currency, or money service

Am filing a complaint against cash ( Block , Inc. ) due to, and had a quick customer service and unfair practices, which violate the consumer financial protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account, vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error, resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus 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 accompanyin g things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : 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 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