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

On XX/XX/year> I received an email notifying me that the email address on my Experian Account had been updated ( I have attached a print out of the email for reference ). This was shocking to me because I did not update the email address. When I tried to login to my account I realized I no longer had the appropriate credentials. My Experian Account had been hacked. 

I immediately submitted a case online through XXXX help center and received a response on XX/XX/year>. In the response the person ( XXXX XXXX ) asked for my account number, email address associated with the account, and the phone number for the account. Unfortunately, the joke was on me! Because my account got hacked, I no longer knew the email address or phone number associated with the account. 

I responded to the email from XXXX XXXX on XX/XX/year> with the account number and the email address and phone number that had previously been on the account ; that is my email address and my phone number. 

Late on XX/XX/year> I received an email from XXXX XXXX telling me to call Experian to get this resolved. Unfortunately, I have never been able to speak with a human at Experian. I have called nearly every week for over a year, and I can never get a human. So, to this day, I still dont have access to my account. 

However, today I was pulling my free credit report from www.annualcreditreport.com and when I pulled my Experian report it automatically logged me into the account, bypassing the login credentials that I no longer know because they were hacked and taken from me, and then Experian protected the hacker as they stole my identity. Since I was logged in I was able to see the email address and the phone number associated with the account. I have attached screenshots to show what I saw in the account details page. 

Unfortunately, I wasnt able to update the account back to my information because Experian required any updates to require verification from the hackers phone number. After a short time of trying to call Experian and get this resolved, I was logged out of the account before I could change anything back to my information.
Product: Credit card

Called to get two pages that I could not read and was refused. 
I asked agent for mailing address and was given po box or Fax I told her I wanted an address to send a Certified letter with return receipt and she refused to give it to me. 
I want to send a XXXX XXXX XXXX Demand letter and it requires a Certified Letter. 
Thank You in Advance for your help. 

My complaint is with Jet Blue Vacations. 
I booked a trip to XXXX, and when we arrived at the hotel they had a water line break and had no water in the Hotel. 
I will be XXXX XXXX XXXX this month and I frequent the toilet and need water to flush. 
We had to move to another hotel and the Hotel Manager told us she would reimburse Jet Blue Vacations for our room Credit card company is siding with Jet Blue and refusing to give us credit My wife is also XXXX and she did not want a room without water. 
Again Thanks for your help. 
XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

CFBP please view the comments from Experian dated XX/XX/2018. The attached documents confirm that this company is comfortable parroting and reporting inaccurate unverified information. Experian is comfortable with Law suits confirming their willingness to violate the LAW and guidelines within the FCRA in fair reporting. The attached documents are a mirror image of the complaint that I have with XXXX   XXXX and Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, a subsidiary of XXXX XXXX ran an unrequested and unauthorized hard inquiry on my credit report, on XX/XX/XXXX. I only found out about this because of an alert on my credit reporting service on XX/XX/XXXX. I immediately contacted XXXX about this hard inquiry, they said someone applied for a for a XXXX XXXX XXXX  and was denied credit. If I had applied for such a card I am sure I would be approved, it was NOT me that applied. They agreed that it appeared to be a case of attempted identity theft and said they would remove the hard inquiry from my credit report. This one hard inquiry alone dropped my credit rating by XXXX points. A week later I contacted XXXX via email and informed them of this situation. I have not received any response from XXXX. It has been 2 weeks now and this hard inquiry is still on my credit report. I thought it was illegal for companies to run hard inquiries on someone's credit without their authorization. Isn't there some kind of penalty that can be imposed on such companies to prevent them from doing the same thing to other people? It appears that XXXX has ran a lot of unauthoprized hard inquiries on people 's credit reporting.
Product: Credit card

I am being discriminated against, only because I filed a complaint against Synchrony Lowe 's credit card. My XXXX  and I applied for a XXXX XXXX XXXX credit card and denied once for not lifting our credit freeze. We applied again and lifted the freeze on all three credit agencies. Before doing this, we checked our FICO scores, all excellent on all three. We did NOT receive any mailing or notification from Synchrony bank, so I called, the rep told me to go to the Sam 's Club store and apply there. The Sam 's Club rep called their credit rep at Sam 's Club corporate to help me. I was there on the phone with her for XXXX minutes and again, received a notice that I would receive an answer in XXXX to XXXX  days. Today, on the XXXX, I received an email notification telling me after they told me to do so, that I was denied because, 'Prior application submitted too recently ' To me that is not a reason with a perfect credit score, and they are discriminating against me because I complained about their Lowe 's card.
Product: Credit card

I closed my Citi card account in XXXX XXXX and received an email confirmation of account closure from Citi. Somehow the account was reopened and new cards mailed to unknown recipient. Called several times to close but had same outcome : closed account keeps fraudulently reopen. The most recent call to Citi fraud department was XX/XX/XXXX to once again close the account. Then again it reopened on the same day, with a new card being mailed to unknown recipient. I know this because Citi emailed that a card is being mailed. Just called fraud again to cancel card and closed the account permanently again. 

I am experiencing this countless times : I call to close the account permanently, but eventually someone reopens it. I am spending numerous hours on the phoneover XXXX hourswith Citi fraud department. The fraud department keeps reassuring me that no one can reopen, even emailed confirmation of account closure ( screenshots attached ) but someone keeps reopening my account after I closed it numerous times. 

HELP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY TRIED OPENING UP A BANK ACCOUNT AND I GOT DENIED AND SENT A MAIL WHICH WAS ODD GROWING UP I WASNT EDUCATED MUCH ABOUT CREDIT AND BANK ACCOUNTS I ALWAYS CARRIED CASH I DONT DEAL WITH BANKS SO AFTER DOING RESEARCH I ORDERED MY CHEXSYSTEMS REPORT AND REALIZED SOMEONE OPENED A FRAUDULENT XXXX XXXX XXXX ACCOUNT IN MY NAME. I NEED THIS FRAUDULENT ACCOUNT REMOVED FROM MY REPORT PLEASE I DONT KNOW WHAT ELSE TO DO I FILED AN FTC RPORT I HOPE THIS HELPS FIX THE ISSUE. I HAVE ALSO ATTACHED MY ID FOR VERIFICATION THANK YOU IN ADVANCE
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, EMPOWER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late ! I have had exceptional payment history witH XXXX XXXX  and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in XXXX, XXXX, AND XXXX to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!
Product: Mortgage

When applying for a continuation of a Home Equity Loan with my bank I was told that there was a lien from 1992 that held the first position of encumbrance. This deed of trust has been released but seems to not been recorded properly and is thus showing up even after years of having refinancing and a previous loan from my bank 10 years ago. I even visited the courthouse and Md Land Records and could not get help on what to do to repair this.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX, EXPERIAN XXXX XXXX Have violated my rights. 

on XX/XX/2023 I have submitted A identity theft FTC report through CFPB & United States postal service to EXPERIAN, XXXX & XXXX for the XXXX XXXX XXXX XXXX ACOUNT ENDING IN XXXX XXXX  I asked EXPERIAN, XXXX XXXX XXXX to do their investigation and remove the fraudulent account from my consumer reports. ON XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was removed from my XXXX consumer report & I also got the update with the removal on XX/XX/2023. 

On XX/XX/XXXX I received a letter from XXXX with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Verified and accurate '' On XX/XX/XXXX I received a letter from EXPERIAN with my updated consumer report & the Fraudulent account with XXXX XXXX XXXX XXXX ENDING IN # XXXX Was updated as " Closed '' but still reporting fraudulent late payments. 

XXXX & EXPERIAN Stated that the account was properly investigated but how is that possible if EXPERIAN REMOVED THE FRAUDULENT ACCOUNT, XXXX STATES ITS VERIFIED AS ACCURATE AND EXPERIAN MARKED THE ACCOUNT AS CLOSED WITH LATE PAYMENTS. This is unfair to me as a consumer because the FAIR CREDIT REPORTING ACT and the banking system is dependent on fair and accurate credit reporting. 15 usc 1681 states The Congress makes the following findings : ( 1 ) 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.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 

XXXX & XXXX ARE falsely claiming that this account is mine and are inaccurately reporting this account, THIS IS GROUNDS FOR REMOVAL. 

They also violated 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written consent. I have never gave this account written permission to furnish this account on my consumer reports.

I have attached my waterfall and my bank statement along with my ID so do not send me a STALLING LETTER!
Product: Credit reporting or other personal consumer reports

I am reaching out to file a complaint against XXXX, XXXX and XXXX for reporting a bankruptcy on my credit report. As a consumer under 15USC1681 ( b ) the law reads : ( a ) IN GENERAL Subject to subsection ( C ) any reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

With this being said, I never gave XXXX, XXXX, XXXX or LexisNexis any written instruction or consent to report anything on my credit report. Furthermore, no consent is identity theft. This is a violation of the Fair Credit Reporting Acts right to privacy and permissible purpose. 

Furthermore, I have received a letter from the Bankruptcy court stating that they do not report to the credit bureaus. Therefore, if the Bankruptcy court does not report to the credit reporting how are yall reporting? I am aware that these credit bureaus get their information from LexisNexis, which is also violating my rights to privacy because I never gave LexisNexis consent to share my information. 

Please remove, block, and delete the following account and review the attached documentation. Once removed from the LexisNexis system, you shall notify ALL persons furnishing this information. Failure to do so will result in an immediate litigation process. 


U.S. BANKRUPTCY COURT- XXXX XXXX Bankruptcy XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; Experian and XXXX are reporting incorrectly that I am ( 120 180 ) days past due on the XXXX card partial account number XXXX. ( Please see page 9 of the attached credit report. ) This account was paid in full in XXXX, 2019 in the amount of {$5700.00}. I have attached a copy of my checking account log verifying payment of same. This incorrect reporting is harming my credit score and this line item needs to be removed from my credit report. I have contacted the ( 3 ) bureaus to remove this however, I have not been successful.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX  I sent {$11000.00} to a friend via CashApp. My friend never received the funds. I called CashApp today. They opened case # XXXX. CashApp stated the funds were sent to my friend. My friend never received the funds. They said they could not help further. At all times I was extremely courteous, even warm in tone. They hung up on me without warning.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this Complaint to dispute the fraudulent items listed on my credit report. I recently received a copy of my credit report and was shocked to find that there are several accounts that I did not open and have no knowledge of. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$1700.00} XXXX  XXXX Balance : {$1100.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2022. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block 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. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities.
Product: Debt collection

I went to the hospital 4 years ago, the hospital failed to bill my insurance ( verified with insurance they never received anything ), hospital failed to reach out to me in any way, then sent me to collections to pay a {$2000.00} bill.
Product: Credit card

On XXXX XXXX, XXXX, per my XXXX XXXX statement, Discover Card hit/posted my account ( ending in XXXX ) with a charge of {$230.00} from XXXX Car Rental, which I did not make, and submitted/attempted 7 times by the vendor and Declined 7 times by Discover because it had been attempted on a prior account ( ending in XXXX ) which had been cancelled in XXXX for reasons of Fraud. Nevertheless, eventually, Discover accepted the current charge to account XXXX from the vendor, paid the vendor, transferred the charge to XXXX closed Discover account XXXX to active Discover account XXXX and is now trying to collect it from me saying the vendor 'pushed ' it through even though they ( Discover ) declined it repeatedly. How can this possibly be? ... or even be allowed? The frustration I have gone through with Discover is beyond belief, not accepting responsibility for what happened. Discover should be reprimanded in the harshest way for a system that is allowing such a financial transaction being fraudulently passed on to a Consumer and on an Account they know is not responsible.
Product: Debt collection

I owe XXXX XXXX money for a credit card I used and was unable to continue paying in 2023 when I was left without work for about a year. I tried on several occasions to make a payment plan and XXXX XXXX refused it each time and would not accept any installment I tried to make. I was not even asking for a lowered settlement amount. I asked for a lower monthly installment for 12 months while I got back on my feet and then we can establish a different payment plan that suited both parties better. XXXX XXXX refused. onXX/XX/2023 ( I have a copy of the letter date and time stamped ) I wrote XXXX XXXX and asked them to please accept $ XXXX month to start paying off my credit card debit and this time they did not even respond. Now I find out through 3rd party attorneys that are contacting me to let me know that attorney Lloyd & McDaniel file a lawsuit against me without notification or contacting me. This is the actual first time I have ever heard about this attorney. In addition to this, I fianlly call XXXX XXXX today and after XXXX calls they finally go tme the correct phone # for the attorney in question and when I called they said there is no one to answer the calls. it has been like that all day and no one responds
Product: Debt collection

The account in question has been charged off, and the company OneMain. Still calls every day and sends me text messages and leaves voice mails. They call on night and weekends and morning before XXXX XXXX. They are a XXXX and my biggest mistake was going to them. If anyone is listening please do not go with the. They will change what you pay and are a big ponsy scam.
Product: Debt collection

I am reporting a collection agency that appears to my credit report that has violated my rights and posted a debt that does not belong to me. It is a debt collector using false, deceptive and misleading practices such as misrepresentation about this debt that appeared and is harming my report. A debt collector is not allowed to harass me. They are calling me 2 years now for a debt that I have absolutely no knowledge for. They misrepresent themselves and they never disclose their actual names. They are trying to collect sensitive info and basically and foremost they are calling me to my business line creating a hardship to my work. No data is validating the alleged debt. When this collection agency opened this account they had no license to conduct business in the state of XXXX. They are licensed since XX/XX/XXXX. They are harassing me 2 years now and the XXXX report that is attached it states that they have the account since XX/XX/XXXX. Additionally their reviews show exactly that they are causing extreme problems to other consumers not liable for the debts that Modern Adjustment Bureau claims. The problem is that this debt collector posted this frigolus and bogus debt to 2 reporting agencies. Using unfair, deceptive, and abusive acts or practices against me while at the same time when this harassment started were not even licensed to even be seeking to satisfy a debt that does not belong to me is against State and Federal laws protecting consumers, In XXXX and XXXX this agency is listed with different addresses. No data is available as far as this debt. They asked my personal info so many times. That does not even make sense. I would never give my personal info to a Debt Collector. I already have Identity theft on file as well as being impacted by XXXX XXXX XXXX in XXXX. Please kindly assist me to remove this fraudulent collection agency. Thank you in advance XXXX
Product: Debt collection

Received a debt collection in XX/XX/2019 to my name and address from Afni regarding creditor account XXXX originated from XXXX for {$260.00}. I have never done business with XXXX. I have contacted both Afni and XXXX. I need this debt to be removed from my name and address immediately and also not show up in my credit reports. Please do the needful as soon as possible. Thanks!
Product: Credit card or prepaid card

I am trying to obtain copies of of my personal XXXX and XXXX Discover Card statements. 

This is for IRS audit purposes. I owe the Discover card money and they have not responded to my requests. I have been left on hold for hrs or hung up on or transferred to a third party debt collector. 
I have sent repeated request via certified mail. 

No response. 

Pleasae assist me in asking them for copies of XXXX and XXXX statements for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Email XXXX XXXX XXXX