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

XXXX  Credit reporting agency is not following the law. Per section 609 I am entitled to see the contract I signed and for the creditor to validate the debt. No documentation gets provided to me and the disputes keep getting closed. Send me proof that I owe this debt or delete it from my record.
Product: Credit card or prepaid card

No action was taken! I was lied to by Discover Card services and they also lied to CFPB XXXX XXXX and claim CFPB XXXX XXXX also for XXXX XXXX XXXX XXXX i submitted a claim to Discover Card Services For unauthorized subscription fraud account charges by XXXX XXXX Discover on XX/XX/2022 they reversed the charges back and I received credit then without my knowledge Discover reversed the fraud charges back to my card! And again Allowed XXXXXXXX XXXX to charge a new charge on my account on XX/XX/2022 There was no update on the dispute from XXXX XXXX Discover Card had claimed the matter of the disputed charges of the claim was being investigated but it is not! The charges are back on my card and they allowed XXXX XXXX to continue to Charge my account yet again!! On XX/XX/XXXX! I called Discover and the operators in billing and in Fraud Dept say they do not have this claim on file! And they ( Discover Card ) has allowed XXXXXXXX XXXX to charge my account again in XX/XX/2022 with out my authorization or my knowledge! This again is after I filed the dispute for fraud! Today XX/XX/XXXX I have requested to cancel and replace my card with a new card to prevent further unauthorized charges as Discover has done nothing to stop the fraud and disputes! Discover fraud Dept has unqualified operators answering the claims they make jokes and Manipulate the conversation they put in a Charade of distractions instead of being professional! I spoke with XXXX today at XXXX XXXX XXXX ; and in Ohio it was XXXX their time ; I asked to speak with his supervisor after a lot of back and forth nonsense his response was well its too early to get a supervisor non of the Discover Customer phone operators are professional they claim not to have my phone number on file they dont know about a claim that was just opened even after providing information to them they put on a charade its very frustrating to deal with Discover card customer service. I dont know what is happening with the dispute! I had to close my card account and have a new card issued to prevent further fraud! I am very frustrated at the lack of information I am given by the Discover Card phone services billing and fraud are awful! They give false information about the claim they claim not to have information and say charges are valid until investigation is complete but no update is given and I am being told by Discover that another charge was authorized in XXXX but I was never notified! I am very frustrated the lack of support and And information given by discovery card phone operator in all departments at Discover card services! I still do know anything!
Product: Mortgage

XXXX XXXX is my new Foreclosure Auction Sale date. This is the 3rd one since XXXX and I 'd like it postponed. 
Why? I 've been in loan modification XXXX with Chase bank since XXXX of XXXX and have yet to receive an answer! 
Current on my payments until XXXX XXXX, I was advised by Chase that I had to be a minimum of 3 months behind to qualify for their loan modification program. At that time my loan was {$420000.00} and the value approximately {$80000.00}. 
For nearly FOUR years, Chase has repeatedly removed my COMPLETE file from Underwriting, requesting information they 've already been given multiple times, confirmed by my fax receipts. I have provided everything they 've asked for many many times and have resorted to sending documents ONLY from a CHASE bank so that they can no longer claim to have " '' not received '' them. They 've even claimed to have lost my file entirely and I 've had to start over ... once more. 

Now, today, another new contact person ( XXXX since XX/XX/XXXX ), requesting documents they already have, while keeping the XXXX XXXX foreclosure auction date in force. 

This is emotional blackmail. 

According to the Office of the Comptroller of the Currency, Chase bank is STILL out of compliance with their XXXX bailout/fines deal, continues to violate the Homeowners Bill of Rights and are Duel Tracking. Where is the accountability? 
Under NO circumstances ... 9 years after the market crash and 4 years AFTER XXXX deal with the gov't, does it take almost FOUR years to determine if a person qualifies for a Principle Reduction for a severely underwater loan which today has inched towards HALF of the loan amount in value! 
Please intercede on my behalf and stop this foreclosure and insist that Chase Bank comply with one of their options, a Principle Reduction for Severely Underwater Property, that they agreed to in exchange for their taxpayer Bailout. 

Thank you
Product: Credit reporting or other personal consumer reports

As XX/XX/2023 I have submitted complaints of wrong addresses on my credit report that I have not lived there nor had a lease there. XXXX, XXXX, Experian are refusing to remove addresses that I've never lived. This fraud to have and address on my account and I can't remove it I request that all three Bureaus show proof I lived at these addresses. This an action of noncompliance refusal to remove inaccurate information. I don't want my personal information being reported to an address I never lived at. 

Address : 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

I had 5 mortgage accounts with XXXX XXXX XXXX XXXX XXXX. Loan XXXX, XXXX, XXXX, XXXX. On XX/XX/21 they transferred the loans to XXXX XXXX XXXX XXXX. Now on my credit report I am having the same accounts reporting twice. They are duplicate and it lowered my credit score more than 30 points. I reported this to XXXX XXXX XXXX XXXX XXXX XXXX Department XXXX XXXX XXXX, XXXX XXXX XXXX, FL XXXX XXXX ( Toll Free ). I reported this to XXXX XXXX at XXXX and XXXX Servicing at XXXX on XX/XX/21 but they have not fixed the issue. They are knowingly reporting data incorrectly. Additionally I have filed disputes with XXXX, XXXX XXXX and Equifax but they reports are still showing incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has repeatedly failed to respond to my certified USPS mail request to disclose their method of verification process as required by the FCRA. As such, the fraudulent account should have been permanently deleted from my credit file as it is negatively impacting my credit worthiness. 

PLEASE DELETE NOW!!!!
Product: Bank account or service

THE BANK SENT ME SEVERAL CONSUMER EMAILS STATING THAT FOR EVERY IMMEDIATE FAMILY MEMBER I REFERRED THAT OPENED AN ACCOUNT THAT ME AND THE RELATIVE WOULD BOTH RECEIVE {$50.00} REFERRAL FEE. 
I HAVE REFERED XXXX FAMILY MEMBERS AND ONLY RECEIVED CREDIT FOR ONE OF THEM. THE BANK REFUSES TO GIVE ME CREDIT FOR THE OTHERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

My issues are with the below parties. I have reached out to them over five times to express this is incorrect. I even provided documentation from XXXX XXXX  to show I dont have a bankruptcy and they still fail to remove it. Please assist. 

XXXX. XXXX XXXX. XXXX XXXX. TransUnion
Product: Credit reporting or other personal consumer reports

All Financial Institutions/Consumer reporting agencies involved and identified in this complaint including, XXXX, XXXX, and EQUIFAX are guilty of criminal and civil penalties for violations under the PRIVACY ACT OF 1974, for disclosing my nonpublic personal records to other agencies and financial institutions without my prior written or verbal consent. Additionally, XXXX, XXXX, EQUIFAX, and all other identified financial institutions/agencies are also guilty of criminal and civil penalties for violations under the GRAMM-LEACH-BLILEY ACT, for violating my privacy and disclosing my nonpublic personal private customer information to other persons. And XXXX, XXXX, EQUIFAX, and other persons identified are guilty of criminal and civil penalties for violations of Aggravated Identity Theft for knowingly possessing my nonpublic personal identification in a felony violation. 

Unless I give prior written or verbal permission please stop disclosing, sharing, transferring, possessing, and/or violating my nonpublic personal records and privacy. 

SEE ALL ATTACHMENTS
Product: Credit reporting, credit repair services, or other personal consumer reports

I had reached XXXX bureau, XXXX and I submit a claim here before but I haven't received any answer I have a negative file on my credit report and they are affecting me I have sent all the valid documentation, letters, and FTC and nothing has been resolved.
Product: Credit reporting or other personal consumer reports

a fraudulently charge was made on my XXXX  card i notified them the sent a questionnaire to be filled out and they reversed the charges as well as the late fee but it is being reported on my credit as if I missed a payment.
Product: Debt collection

National Credit Systems first sent me a letter to collect a debt of {$2400.00} in XX/XX/XXXX. The letter stated that I owed XXXX XXXX XXXX  {$2400.00}. I disputed the claim immediately with XXXX. It was not taken off my credit report. I felt I didn't own this money because I had tried to move out over a 4 year period and the landlord refused to let me out of my lease. Each time I would give her notice she would tell me to wait till the last day of the month in my lease to move, then she would threaten eviction sometime in the last two months because my new place wasn't quite ready, I would sign a new lease to keep from being homeless. I partially cleaned up the apartment ( so the landlord should have kept my deposit and that all ). Left the apartment, Almost like it was when I move in 7 years before.

She did not go to court to put it on my credit report but worked with this credit collection agency to establish this false claim. National Credit Systems ( XXXXXXXX XXXX XXXX XXXX, GA XXXX, phone number : XXXX ) refused to send any statement listing as to why I owe this money. XXXX XXXX, the guy that oversees this account claims to be an attorney and has threatened to garnish my check in the XXXX of XXXX. I took them to court in XX/XX/XXXX and lost because this is legal in the state of Mississippi and I did not have supporting documentation at the time of why I felt they owed me XXXX dollars. On XX/XX/XXXX, I received a letter offering a resolution in the amount of XXXX dollars. On XX/XX/XXXX, I paid {$1200.00} for a resolution and report it to XXXX but it is still on my credit report today. The credit collection agency is still asking for another XXXX dollars, although they ( collection agency ) asked for the resolution. They have changed the original date of the complaint to XX/XX/XXXX. They also change the reporting date with other reporting agencies ( XXXX  and XXXX  ).
Product: Credit reporting or other personal consumer reports

I could not access my free credit report online, back in XXXX, so I contacted transunion, XXXX, and XXXX over the phone. I was was unfamiliar with alot of inquiries and information regarding my address was not updated.I waited almost 30 min to an hour to speak to someone about reporting inaccuracies as far as addresses, phone numbers, etc. I was asked by each representative of each bureau would I like a security freeze, but how would I agree if I can't see any of my credit reports myself? I'm getting denial letters in the mail for things I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed information with Experian on 3 separate occasions and have not been given any proof of verified information other than a message saying " information has been verified as accurate ''. The information that has been disputed are for the following accounts. It is my right that under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. The accounts that have been disputed are as follows : 1 ) XXXX XXXX  act # XXXX 2 ) XXXX XXXX act # XXXX XXXX ) XXXX  XXXX act # XXXX 4 ) XXXX XXXX act # XXXX Initial formal digital dispute was done on XX/XX/2020 and Experian recognized the dispute on XX/XX/2020 and XX/XX/2020 ( as you will see in enclosed photos from their dispute center the recognition of the dispute, as well as a copy of the initial dispute that was uploaded ) 2nd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 2nd dispute letter that was sent ) 3rd formal dispute was sent via certified mail on XX/XX/2020 ( I have enclosed a copy of the receipt from USPS which verifies the tracking number # XXXX. Also enclosed is a copy of the 3rd dispute letter that was sent ) In a 4th attempt to resolve this issues, I have also filed a complaint with CFPB ( complaint # XXXX ) and in an attempt to further stall the process Experian responded stating they did not believe the complaint was authorized by me. 

This is now my 5th complaint and I have provided more than sufficient evidence for each of the current and prior instances stated above. I have enclosed copies of proof of these complaints as well as a copy of my ID, social security card and an electric bill printed within the last 30 days to verify that THIS IS ME AND I AM AUTHORIZING THIS INVESTIGATION!!!!!

I have NOT been provided a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 



Experian has done nothing more than " update '' information that is not has not been proven to be mine or valid, or " verified '' that the information is correct. I have also enclosed a letter from 1 of the alleged creditors showing that they did not even open an investigation on 2 of the 3 disputes.  Therefore, there is NO POSSIBLE WAY that Experian appropriately " updated '' or " verified '' the information they are reporting on my credit report. 

Several of the aforementioned accounts have already been removed from the other credit reporting bureaus for an inability to verify the validity and provide the legally required documentation for support as required by law. Further supporting my claims that Experian is falsifying to me that the information has been " verified '' as it is legally required by law that the creditor agency share the exact same information with all 3 credit reporting agencies.
Product: Credit card or prepaid card

There were many charges made fraudulently on my credit card with Aspire, I did not notice them untill the amount of my regular payment doubled.

I contacted Aspire to the charges made, filled out all required paperwork and sent back, mean while was told ", I still had to make the payment amount untill the fraud investigation was over which was double what I paid before the charges were made. 
At this point it had been over a month and still being billed for those charges plus interest with no word, I called again when the charges were still there and refused to pay again for them, I was told the investigator made a decision and it was in the mail and I'd receive it within 10 business days, a month and half later still no letter, so I quit paying all together and they told me I would be responsible for late fees and the payment.

I went on line to look up the businesses where the charges were made and they come up with no business information and they don't exist, they were for the same amount or 4 cents off. 
# 1 XXXX XXXX XXXX {$99.00} # 2 XXXX XXXX {$4.00} & {$99.00} # 3 XXXX XXXX {$99.00} # 4 XXXX {$99.00} # 5 XXXX XXXX XXXX XXXX {$99.00} These are not common with my previous charging history and they don't exist but yet there Investigators denied my claim, never sent me notice, has put a derogatory mark on my credit report, and are still adding charges to my account, and I do not have access to either accounts because they told me I had to cut up my cards and send them back due to my request to close my account which never was said by me and yet they have new account numbers for my accounts and I never received any cards for those accounts but still required to pay.
Product: Credit reporting or other personal consumer reports

In summary, my Experian 's XXXX FICO Model 8 score is XXXX points lower than XXXX XXXX XXXX ( currently ) and XXXX XXXX XXXX ( currently ). Even my XXXX XXXX is XXXX ( currently ), which uses the FICO Model 9 score. This is absolutely absurd! There is no rationale that can explain this big of a gap between bureaus, when they have the same accounts. 

I have reached out to Experian on 3 different occasions and sent XXXX XXXX Certified letters to XXXX XXXX XXXX, Experian CEO, with no response. I have attached two of those letters.
Product: Credit card

I recently bought a refrigerator at the Sears store in XXXX, California. I applied for a Sears Citibank Credit Card and received immediate approval. There have been many problems with the product beginning with its delivery and I have been unable to receive any satisfaction from Sears. 
I called the Citibank Credit card people about 2 weeks ago and told them I had not received the physical card or the membership agreement. I received the card in a few days but have still not received the membership agreement. As I have received no satisfaction and many broken promises from Sears I want to know what my legal rights are with regard to withholding further payment on the card. 
I have already paid a substantial part of the bill but want to know what rights I have which would ordinarily, I believe, be in the credit card agreement which they apparently are not sending me. 
Thank you for whatever advice you can give me. I have already been in touch with Sears, the XXXX, the FTC, and the California Department of Consumer Affairs with my complaints regarding the product and service.
Product: Credit reporting or other personal consumer reports

I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to those customer 's nonpublic personal information. 


SEE ATT. FOR ID Type of Business Date of inquiry Credit Bureau Exeter Fin XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX inaccurate reporting XXXX XXXX XXXX and XXXX XXXX a financial institution by definition under that title. 

1681 section 604 ( a ) section 2 states that " In general subject to subsection ( c ) Any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. 


The financial institution and the above companies do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent whether it be non-verbal, verbal, written, implied or otherwise is revoked. 


15 USC 6801 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non affiliated third party unless- the consumer ( me ) is given an explanation of how the consumer can exercise that non disclosed option. They never informed me of my rights to exercise that nondisclosure option.

Every consumer reporting agency shall maintain reasonable procedures ' designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to Opt-out at any time.

" I am opting out of your reporting services unless authorized by consumer ( me ) in writing " According to the Fair Credit Reporting ACT 1681 section 602 ( a ) states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality and respect for the consumer right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer.
Product: Debt collection

Disputed a Discover file. Discover harassed user address, sent incorrect mail that did not validate debt of closed card. Moved closed credit card charge off day 2 years in advance from XXXX to XXXX as punishment for dispute.
Product: Debt collection

XXXX XXXX XXXX, a debt collector placed a sue in one the small claims courts of XXXX, IN.This debt collector initially sued a person that is not recognized in the household. Now the collector has stolen my social security number and day of birth on the person whom they trying to reach or sue.The court decided in 2006, against the unrecognized person. Now the debt collector is pushing the court against me to collect a debt that I don't owe.The worst is using my personal information an placed on another person to collect a debt.I did not authorized nobody to sign any contract using my social security number and age.Now the debt collector is going deeper getting information about bank account and personal business or properties.I am worry about this situation. 
please help..!
Product: Checking or savings account

XXXX XXXX XXXX - different companies use my account toXXXX  ( companies under name ofXXXX, XXXX XXXX, and XXXX XXXX XXXX ) an CHASE- make a transaction through XXXX CHASE another account- make a withdrawal of XXXX in XXXX, Texas CREDIT REPORT - Applied for two different credit cards ( XXXX-XXXX XXXX on XX/XX/2022, and XXXX XXXX XXXX  on XX/XX/2022 XXXX they both appear as an inquiry on my credit report.
Product: Debt collection

I received a threat of a lawsuit from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Velocity Investments LLC. In 2020 I asked XXXX XXXX the original named creditor under Fair Debt Collection Practice Act, 15 USC 1692g to provide validation of the debt. They replied that they had sold the debt to Velocity and had no proof of debt and were not required to provide proof because they were not pursuing the claim. Subsequently, I have repeatedly asked Velocity to provide me with proof of debt under the relevant federal laws cited above. This request was also made in the state of California and is also covered under California Penal Code which provides for a fine of {$100.00} per day for each day that the proof is not provided. That amount now totals approximately {$54000.00} and continues to accrue because rather than providing proof of debt, Velocity has instead decided to harass and threaten me. 
I have attached my first Identity Theft Report which has subsequently been updated as companies have assisted. XXXX XXXXVelocity has refused to assist and has never provided any documentation. That refusal has delayed my update of my ID Theft report and has delayed my ID Theft Insurance claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was caught in a loan modification scam and fell behind on mortgage. I paid every penny back to ocwen loan to become current on my mortgage over a year ago. They report that I am in default and still owe them XXXX. That is not true and have been current with mortgage for over a year. Now I ca n't refi because that is on my report
Product: Credit card or prepaid card

This is a follow-up to a previous CFPB complaint. I had applied for an XXXX XXXX credit card but ended up getting a XXXX card instead. In response to my previous complaint, Bank of America responded that I only need call customer service to request a product change to the correct card. I have attempted to do this multiple times now and keep getting told that this is not possible. I do not want to apply for a new card - I want my card converted into the type of card I originally applied for.