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

I am trying to secure a home loan at  XXXX   XXXX    XXXX   in  XXXX  NC. They ran a credit report and informed me that there was outstanding balances with multiple organizations. I have  contacted  XXXX  of the  XXXX  accounts which are fraudulant accounts to have them closed or to inform  XXXX  of the accounts that have balances, that they were not opened by myself. One  of the organizations   XXXX   XXXX   acknowledged the fraud activity when none of the information provided matched their information.   The other organization  XXXX   XXXX   XXXX  has been highly uncoorperative. They have been contacted over 6 times sinc e  X/X/17  whe n the report was run. I can not speak to anyone higher in the corporation than a floor manager, who tells me that due to the fact that the information of birthdate, address, mothers maiden name, and phone number do not match they ca n't talk to me. I have contacted the company on   X/X/17 ,  two more times with dates I did not document. On  X/XX/17  I   spoke to the floor supervisor  XXXX  who opened a case report and informed me that someone would contact me to further the case. No one called. On   X/XX/17     I spoke to   XXXX    who opened a case, took down my information and told me someone will call me. Noone called. On   X/XX/17  I  spoke to  XXXX  and  XXXX  who are both supervisors, they informed me that there is n't anything they can do and someone will call me to further the case. In this span of tim e they have charged me a 30, 60 day late charge and reported to Experian,  XXXX ,  XXXX  lowering my credit score. I was also informed that they are going to charge me a 9 0 day late charge. I offered to pay the minimal payment to stop the 90 day late charge from entering my report. I have informed them of the hardship that this is causing me and chance of losing my ablity to purchase a home. I have also employed  XXXX  to help in the battle.  XXXX    XXXX    will not allow me to try and remedy this situation and have openly stated that there is not anything they can do to stop the destruction of my credit. The phone numbers I have called are  XXXX   XXXX   XXXX  and credit card division  XXXX   XXXX   XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXXXXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

XXXX. XXXX XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 



FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXXXXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) XXXX. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit reporting or other personal consumer reports

XXXX, Transunion, XXXX  and XXXX XXXX XXXX is holding credit scores for ransom fees in order to see or correct KNOWN ( 15 U.S.C. 1681s-2 ( A ) ( 1 ) ) or Reporting information with actual knowledge of errors in which notice was given to these Data Reporting Agencies listed!! XXXX They utilize XXXX XXXX  call centers to commit these violations on XXXX XXXX and XXXX as XXXX XXXX and call us XXXX XXXX because we are educated in the consumer law field. This is a direct violation of Federal Laws 15 U.S.C 1681 section 602 A 15 U.S.C 1681 Section 604 A Section 2 15 U.S.C 1681c. ( a ) ( 5 ) 15 U.S.C. 1681s-2 ( A ) ( 1 ) XXXX, TRANSUNION, XXXX XXXX XXXX XXXX AND XXXX USES XXXX XXXX  CALL CENTERS TO HANDLE CUSTOMERS SSN AND PRIVATE INFORMATION WHICH IS TREASON AND ILLEGAL. ALSO CREATING FICTITIOUS TITLES OF IMPERSONATION OF BEING A ACTUAL CREDIT BUREAU AND CAUSING GRAVE HARM AND FINANCIAL DEPROVATION TO CONSUMERS!! THIS IS WHAT CAUSES HACKING AND DATA BREACHES. THEY ARE A THREAT TO THE XXXX XXXX ASSETS!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX2021, I sent a letter regarding inaccurate and unknown items on my credit report. To this day over 60 days later, I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FRCA Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason for immediate removal of these items from my credit report. It has been over 60 days, and I demand these items be deleted promptly or I will file litigation for my grievances.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report Despite my submissions, Experian consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Experians actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Experian complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts I have marked inaccurate ; XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.
Product: Credit card

Credit Card applied for during an Old Navy in store promotion, card received Navyist Rewards Mastercard through Barclays Bank. Purchased made in the amount of {$150.00}. Bill received for the purchases bill received for that and was paid electronically via our Bank on XX/XX/2023. Next we get another bill indicating payment not received and charging us a {$30.00} late fee and {$4.00} in interest. I contacted them and explained payment had been made they indicated they would check it. In subsequent conversations with the bank they said they received it and everything was fine. We get another bill showing everything due including payment we had proof had been sent to them. We faxed them proof of payment. 
In XXXX we get another bill looking for {$170.00} and showing past due amount. Then they start calling me. I explained again what happened, they asked that I fax again I went to my bank cot a copy of their records showing electronic transfer to them on XX/XX/2023 with payment XX/XX/XXXX. I faxed those documents to them. I got another collection call from them on XX/XX/2023 at XXXX, on a call that said the line was being recorded, telling me I was late with my payment. I spoke to XXXX XXXX XXXX, I asked her to see if they gotten my fax, she could not tell me. I explained to her the details of what occurred and asked her to check their records, she kept telling me that they never got my payment. I continued to ask to speak to a supervisor or manager and told her I hoped the call was being recorded and told her I would be filing a complaint and suggested she refer the call to a supervisor, after much discussion she said she would transfer me, she then proceeded to disconnect me. I never got a call back and I am tired of being harassed. I closed the account and shreded the card
Product: Debt collection

Letter was sent advising company that this is NOT my debt and requesting VALIDATION before any further attempts to collect.

I owe NO amount to National credit system.
Product: Debt collection

I have been an XXXX  customer for over 10 years, since I wanted to have access to XXXX app, XXXX installed a cellular transmitter which gave me the ability to access the system via the XXXX app on my cell phone. When they did this, XXXX made me sign a new three-year contract even though no new keypads or sensors were upgraded. XXXX months later I got married and we sold my house. 

In an attempt to fulfill the new contract, we were willing to transfer the service to our new home which we purchased and remodeled by taking it down to the studs. During the remodel, we asked XXXX to come out to do a pre-wire to ensure all of the wiring in the new home was embedded ( hidden ) in the walls. In fact, all of the visible wires that were on the exterior of the home were removed and we paid over {$1000.00} to have all of the utility wiring buried. We called twice to have them come out to do the wiring before we put the sheetrock back on and we were informed that they would only come out once the remodel was complete. 

Once the remodel was complete, the XXXX installer came out and informed us that they would need to use white wireless sensors that are mounted directly on the stained wood door. He also let us know that the control panel would have to be mounted above the electrical outlet and that the transformer would have to be plugged into the outlet below which, like the sensors, would be visible in the room. Given we spent over $ XXXX on the remodel, this was unacceptable. 

When we inquired about the recessed wireless sensors that are on the market, we were informed their new state of the art panel, XXXX XXXX, did not work with any of those. 

I spent over 49 minutes in the telephone and was bounced around to three different reps trying to find a solution that would allow us to fulfill the contract I had at my old home. When I offered to install my own system that was compatible with the recessed wireless sensors and then have XXXX continue to monitor the system to fulfill the old contract, I was transferred to a fourth rep who claimed she couldn't hear me and asked that I call back! 

In the meantime, XXXX has decided to send our account to a collection agency! Needless to say, we are very frustrated and believe XXXX, after 10 years of loyal service, has really let us down. At this point we just don't know what to do! 
We posted a complain on consumer affairs and a representative answered that would give us assistance, but of course, no calls were received from XXXX. 
We want to be released from the old contract and not have to pay the penalty of {$1100.00} or any penalty for that matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in  XXXX  of this year I informed the cre dit bureaus that I received a number of Inquiries over 1 week period that I did not submit. I was told that I must get a letter from each inquirer in order for it to be removed. Well I have in the past week gathered all the letters representing all the inquires and have scanned them in and uploaded them in order to get the Credit reporting agencies to remove the inquiries. I was told by many of them it will take up to 30 days BUT I CAN NOT WAIT. I hope with these letters they can expedite in my behalf and just remove them manually.
Product: Credit card or prepaid card

I did submit on XXXX. ( complaint number XXXX ) and amex sent a mail about they are working to resolve the issue as quickly as possible and apologize for the disappointment. after 3 month, nothing!!!
Product: Payday loan, title loan, or personal loan

We hired a contractor to reroof our house - the job was satisfactorily completed on XX/XX/2018. On XX/XX/2018, a loan was negotiated with a Florida bank at 0 % interest if repaid in 18 months. On XX/XX/2018 the bank issued a payment invoice : payment was due by XX/XX/XXXX, with a minimum payment of {$280.00}. Our check for {$700.00} was written on XX/XX/2018, and paid as an electronic check on XX/XX/2018. Meanwhile, the contractor notified us that they had not been paid the {$11000.00} on which we were making loan payments. In a telephone call, the bank said that the contractor 's account was " under review '' and might not be paid for up to 180 days. The bank insists that we must continue to make at least minimum payments or be in default, whether or not the {$11000.00} is disbursed to the contractor. 

In what galaxy is it legal for a bank to demand and collect repayment on a loan it has not disbursed?
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 Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

This company ( XXXX XXXX XXXX ) is in violation of 15 usc 1681 section 602 A, states i have a right to privacy.also section 604 A, states a consumer reporting agency can not furnish a account without my written instructions.also section 1692c and b, i gave no prior consent to said debt collector, XXXX XXXX XXXXXXXX to furnish my information to experian are gave consent to experian to furnish my credit report to no company.Tryed to dispute said collections on experian website and its saying its already in dispute!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted XXXX XXXX XXXX to sign up for their program. I was mislead and lied to on many occasions. Even when I tried to cancel before they pretended to start working I receive a called for the XXXX stating we will get it done. This company caused my XXXX XXXX to drop tremendously by sending in incorrect information had a wrong date of birth added that I had to get corrected. Even after I asked them to stop sending their so -called dispute letters in they wouldnt stop insisted they will keep trying. Fortress teamed up with Special Financing LLC this fraudulent company and they are telling me I still have to pay for amount that was financed even though they didnt do any work on my behalf. They made it difficult me to even apply for anything each credit bureau put fraudulent red flags on my credit file and it took me months to get that straightened out. The XXXX of XXXX XXXX XXXX stated she would contact Special Financing LLC so they would zero my account out and I wouldnt receive a bill. Today XX/XX/2022 I received a statement saying I owe Special Financing LLC. I am tired of these people harassing me. I will be getting into with an attorney this evening because I am tired these XXXX scammers. I would like for the FBI to investigate them up and down. And review all their fraudulent agreements and contracts. I am a veteran and I will be seeking guidance from the XXXX XXXX as well. This makes no sense at all trying to take money from individual when youre not performing the services that you guarantee. Where are your human morals people
Product: Checking or savings account

I was illegally added to a bank account without any signature cards or identification For an account owned by XXXX XXXX and XXXX XXXX XXXX XXXX XXXX account number They refuse to provide evidence that I was applied to this account. 
to completely resolve claim XXXX XXXX Bank of America XXXX : # XXXX
Product: Credit card or prepaid card

This account is not mines and i want it removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX Account # XXXX, Has Violated my rights. 

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A. Section 2 : It also states that a consumer reporting reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

My name is XXXX XXXX BBVA USA/Compass Bank credit card # XXXX This is response to BBVA 's response : XXXX My payment was postmarked on XX/XX/XXXX ; payment due XX/XX/XXXX ; payment was posted on XX/XX/XXXX, they stated they received the payment on XX/XX/XXXX *** BBVA stated payment must be received by the due day ... .and suggested cardholder pay EARLIER in order the payment can be received by the due day ... 
*** What happened if the payment LOST in the mail even payment was sent out EARLIER enough? Is it card holder 's responsibility? What happened if BBVA did not post the payment on time ( on purpose? ) even they received the payment on time? Of course, is it cardholder 's responsibility? 
*** Is this BBVA 's revenue creating tool? 

We are all paying tax to IRS, due day XXXX, on the XXXX, you see a lot of tax payers stayed in line to send out the tax through USPS facilities, they are getting a USPS postmarked receipt. IRS, of course will not receive the tax payment ON THE DUE DAY, XXXX, even the payment LOST in the mail, IRS will not consider tax payer was late in the tax payment because tax payers have USPS postmarked receipt! 

I am a retired company XXXX, XXXX or XXXX XXXX. 

BBVA, please make the profits the way people respected
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX XXXX RENTAL SCREE Inquiry : XXXX XXXX, 2020, WELLS FARGO XXXX XXXX Inquiry : XXXX XXXX, 2020, XXXX Inquired on XX/XX/2020. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Experian, and XXXX have done nothing to assist me with the identity theft, fraudulent loan in my name, or to bother correcting personal information on my credit report. In XXXX of XXXX I was called at work by a credit card company to confirm I was trying to make a purchase over 50 miles away. I declined the purchase, contacted XXXX XXXX and then tried to file a complaint with the XXXX XXXX Sheriff 's Department. The deputy was rude and threw the paperwork at me. I have filled it out and sent it to at least one of the credit reporting companies only to have it stay on my report and I am still denied access due to the wrong phone numbers and addresses being on my report. I have never lived in Florida or Oklahoma and yet there are phone numbers for both and one address - all of which are wrong. I also do NOT have two Social Security numbers and yet they are claiming I do. I am not able to access a credit report and last received one after threatening to seek legal counsel yet again from Experian. 

A creditor is also claiming I took out a loan in XXXX when in fact no loan shows up on my credit report nor did I take out a loan. All three of the credit reporting companies have failed repeatedly to bother correcting the wrong personal information as well as incorrect financial information. 

I have sent in reports and personal information to identify myself frepeatedly and see no point in doing so again since I have been repeatedly denied my rights as a U.S. citizen under the Fair Credit Reporting Act. My records have been inaccurate and I have been denied the correction due to me by this act as well as by applicable laws. I will not be paying incompetent corporations that make money off of selling my personal information in disgusting acts where I was never asked for permission {$10.00} or more for a credit freeze that a criminal can just take off. Due to the hacking and gross negligence of XXXX I do not feel comfortable handing these corporations any more of my personal information since they have proven they are incapable of safeguarding it, let alone keeping an accurate record.
Product: Credit card

I have disputed the charge made on XX/XX/year> two times with TD Bank Dispute department. The dispute department has said they agree with the Merchant ( XXXX XXXX ) that I owe {$6200.00}. I provided the text message from the owner stating {$5100.00} was the corrected charge ; copies of the paperwork signed with my notes all over it that {$5100.00} was the charge quoted. I spoke to several people who work for the dispute department, but they were unable to connect me with who actually was handling the paperwork. I had asked for paperwork that the Merchant supplied and the person I spoke to said he could not see what was sent. They mailed me copies of the paperwork which are altered documents by XXXX XXXX. They took off the notes I made and also went over the sales ticket and changed the {$5000.00} to {$6000.00}. I believe that TD Bank who represents XXXX  credit card should be representing me and not XXXX XXXX. Also, they are not acknowledging the altered paperwork they were provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Contacted Equifax XX/XX/22 at XXXX the called lasted approximately 1 hour and 11 minutes. 

During the call I explained that my rights as a consumer were being broken and Equifax was not upholding FCRA Laws as our conversation went out stated that you are correct the amount is not they have not given us any information you need to provide us with that information when in fact the law states. My consumer file is being irresponsibly tampered with over the past 2 years, I have made multiple attempts to remedy this issue as a duty pursuant 15 USC 1681. you are intentionally and willfully being neglectful in remedying my affairs. 15 USC 1681e ( b ) assures that I am due, promised accuracy in my report based on federal law. I made this call as another attempt to have these errors corrected on my consumer report. 15 USC 1681i ( A.5 ) says that after the reinvestigations ... all the unverified information must promptly be removed. You can see in your system that this account was previously disputed without being thoroughly investigated thus i know that it can not be verified or validated. 

Which lead me to writing this complaint in attempts to rectify this inaccurate reporting information so i can be able to go upon my life. If not I will seek LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617
Product: Payday loan, title loan, personal loan, or advance loan

Onemain Financial charged me interest on interest. 
Account : XXXX SSN Ending : XXXX