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

Per the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and Experian are consumer reporting agencies and I am the protected XXXX. I have the right to privacy and making sure that my private information isn't shared Pursuant 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 protect the security and confidentiality of those customers nonpublic personal information. '' XXXX XXXX XXXX is a financial institution by definition under that title. Per 15 USC 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. '' XXXX XXXX XXXX the financial institution and the Consumer reporting agencies XXXX, XXXX and Experian do not have my consent to furnish this information and to date they have never received my written consent either!. Any and all consent to XXXX, XXXX, Experian, and XXXX XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. Pursuant 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' XXXX XXXX XXXX has Never informed me of my right to exercise my nondisclosure option. Also Per, 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' 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 1681b of this title. XXXX, XXXX and Experian are not maintaining reasonable procedures. Also Per 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.
Product: Credit reporting or other personal consumer reports

I've been trying for over XXXX  months to create an Experian account so that I can freeze/unfreeze my credit but have yet to be successful. I've tried using the app and web. 
When I try to do any type of recovery I'm told that my SSN and phone number do not match their records. And if I ever get to a point to receive a verification code in order to verify my email or reset account info, that code is never received, I am XXXX XXXX positive that I'm putting in the correct values for XXXX and phone number, and that it is their records that are in error. There is no way to get to a person to help troubleshoot the issue. Automated phone systems are all circular and end up either 1 ) saying they can not connect me to an agent, or 2 ) directing me to a website ( experian.com/help ) which does not address the problem I'm experiencing. The entire experience is extremely infuriating and I've yet to find a solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get in contact with this company and they have not replied back to me with in the last 40 business days.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

YOU ARE BREAKING THE LAW!! It is illegal to furnish income on a consumer report! A charge-off, according to the XXXX  is defined as gross or ordinary income and income is not supposed to report on my consumer report! You HAVE NOT sent me a 1099C! 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors 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.I demand you remove the following information from my consumer reports immediately ; XXXX XXXX XXXX Un opened XX/XX/XXXX for {$1100.00}, XXXX XXXX XXXX XXXX opened XX/XX/XXXX for {$27000.00}, XXXX opened XX/XX/XXXX for {$11000.00}
Product: Credit reporting

i sent in this letter i got mailed from XXXX upon removing their tradeline error from my Experian credit report. This is the second time that i had to initiate a complaint about the non-performance of Experian. I call Experian about the innaccurate info reported on my report and they tell me to settle it with the creditors and then send them proof to get the innacurate items removed. I did just that for the removal of 5 inquiries posted in error, they recently denied the request. So here i am again, did my due diligence with XXXX and they have concluded to remove their tradeline. I am just here to speed the process up as i have the right to forward mail from creditors to bureaus for faster updates. Experian needs to do their job this time, no excuses.
Product: Vehicle loan or lease

On XX/XX/XXXX I purchased a XXXX XXXX XXXX from the company XXXX. I signed a contract agreeing to have XXXX finance the vehicle and that I would pay XXXX for the loan. A couple of days after the purchase I received an email stating that I would be responsible for paying a company called Bridgecrest for the financing of this vehicle. I have since received many phone calls and text messages from this company. I have never heard of a company called Bridgecrest. The name Bridgecrest is nowhere to be found within my retail purchase agreement with XXXX. It was never disclosed to me that I would be doing business with a company called Bridgecrest, in the contract or otherwise. How can XXXX contract me unknowingly with a third-party? This is misrepresentation, fraudulent conveyance and fraud on the inducement of the contract. 
I sent Bridgecrest a notarized notice dated XX/XX/XXXX stating I would be exercising my consumer protected right to rescind from the contract under title 15 United States code 1635 due to fraud. Bridgecrest returned my notice to me and stated that my debt with them was verified and that I still have their vehicle. How can the vehicle be Bridgecrests vehicle? I bought the car from XXXX.
Product: Money transfer, virtual currency, or money service

On XX/XX/21 and XX/XX/21 the same person stole money from my Wells Fargo account and wrote a fraudulent check that was supposed to repay some of the stolen funds and the check was fraud too. I am guessing I am not supposed to provide the thiefs details but I gave them and record of all accounts and transactions and a police report associated and I have been trying to get my stolen money back from Wells Fargo for over a year now. The amount of money stolen is over {$7000.00} total with 2 transactions where the thief took my money.
Product: Debt collection

Merchants Credit Guide - Opened XX/XX/2018 XXXX XXXX XXXX {$580.00} I recently received a call from this debt collector. They asked me if I'd like to make a payment on this. I told her i havent ever been to an XXXX Hospital to the best of my knowledge and she laughed and said " okay '' and hung up. 1st.. this was inappropriate. 2ns she didnt even give me a chance to ask any question about the charges. Im positive this isnt for me. It just recently hit my credit and i havent been to a hospital in i dont even know how long. I would like proof of this charge and to have someone explain whats going on. Or how they allowed someone else to use my identification to get medical treatment. I feel like i could have got the information i needed from the debt collector to try and help clear this up but like i said.. they laughed and hung up instead of trying to explain what the charges were for and where they came from. Please remove this from my credit ASAP.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

DISCOVER BANK XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : BXXXX XXXX XXXX  XXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX  CC : STATE REGULATORY AGENCY
Product: Student loan

My student loan payments as co-signer to Navient are not being posted timely resulting in erroneous late fees being charged. 

The stated due dates for payments are AFTER the next statement date so the statements never show my last payment but instead charge late fees because Navient didn't receive the payment that wasn't due yet by the statement date. THIS IS CLEAR FRAUD.
Product: Checking or savings account

My accountants email was compromised resulted in 651 attempts to access the account prior to 4 fraudulent transactions in total {$50000.00} removed from the account ( XXXX XXXX XXXX, XXXX ) over a 4 day period in late XXXX, XXXX. 

The accountant who was not an employee of the company had only VIEWING access to the account & never made any financial transactions nor was authorized on the account since inception in over 8 years. Four ( 4 ) transactions were made in 4 days in sums of {$20000.00}, {$5000.00}, {$20000.00}, {$5000.00} + plus a 5th transaction for {$20000.00} on XX/XX/XXXX after the bank were informed the 4 transactions were fraud on XX/XX/XXXX.. The last ( 5th ) transaction was recovered. 

As CEO of the account/company I never approved the accountant to conduct business on the behalf of the company on this account. The bank have not responded to several requests in over one year to provide a signed authorization for the accountant ( XXXX XXXX ) to conduct transactions on behalf of the company. XXXX XXXX is employed by XXXX XXXX XXXX XXXX, who provided monthly statements for the company. 

My lawyer XXXX XXXX has made many attempts to have the bank provide appropriate written approval for XXXX XXXX without success. 

The IP report showed 651 attempts to access the account over several weeks prior to attempts from 3 different states to gain access to the account. The banks lawyers ( XXXX ) did not believe the activity was unusual plus they stated their security system did not detect the unusual activity! 

We are seeking to recover the {$50000.00} plus legal and other fees from the bank prior to commencing litigation.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX - XXXX XXXX. XXXX XXXX XXXX  - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

" Equifax Inc. said its systems were struck by a cyberattack that may have  affected about 143 million U.S. customers of the credit reporting agency. Intruders accessed names, Social Security numbers, birth dates, addresses and drivers license numbers ... Credit card numbers for about 209,000 consumers were also accessed.Criminals took advantage of a " U.S. website application vulnerability to gain access to certain files '' from mid-XX/XX/XXXX through XXXX of this year ... The intruders also accessed dispute documents with personal identifying information for about 182,000 consumers. '' As a result of these revelations I have used the companies website www.equifaxsecurity2017.com which reported that I may be at risk for having my information leaked as a result of the company failing to adequately secure my data. It has also been shown that 3 Equifax Inc. Executives cashed out their company stocks prior to the release of the information contained within this report as reported by XXXX XXXX : XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Type XXXX Loan Responsibility Individual Date Opened XX/XX/XXXX Status Account charged off. $ XXXX off. {$760.00} past due as ofApr XXXX. 
Status Updated XX/XX/XXXX Balance {$760.00} Balance Updated XX/XX/XXXX Recent Payment {$100.00} as of XX/XX/XXXX Monthly Payment - Original Balance {$1500.00} Highest Balance - Terms 34 Months On Record Until XX/XX/XXXX This item was updated from our processing of your dispute in XXXX. 

However this debt is unknown to me and was sold to a XXXX party collector. 
XXXX, XXXX, XXXX, & XXXX it has been paid in FULL by a judgement XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Case Number : XXXX Settlement Amount : {$1200.00} Creditor : XXXX XXXX XXXX XXXX. 
Firm File Number : XXXX I have tried to contact XXXX, XXXX, XXXX, & XXXX for proof of settled account no reply. 

STIPULATED AGREEMENT was started XX/XX/XXXX for XXXX XXXXXXXX Total of {$1200.00} as of XX/XX/XXXX this has been completely settled. This account was never veriefied from XXXX but agreement with XXXX, XXXX, XXXX, & XXXX was made and paid in full. 

Please remove any and all bad reported marks on this account for XXXX or XXXX, XXXX, XXXX, & XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681b Permissible purposes of consumer reports. 

It's a defamation to my character having all these inquires on my credit report that I didn't authorize. I tried and called several times to have these false inquires removed, and nothing. I asked for an udated credit report more then once and finally received it to see more inquired that are false on my credit report. 


XXXX XXXX ( XXXX ) XX/XX/2023 and on XX/XX/2023 XXXX XXXX XX/XX/2023 and XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX college from the summer of XXXX through the winter of XXXX to receive an associates degree. I took out a subsidized loan for XXXX and an unsubsidized loan for XXXX on XX/XX/XXXXDusing the winter quarter. I have the copies of my paperwork and have paid off the XXXX loan. I keep good records and have no problem paying off what I actually owe. However, over the years I have made payments on loans that end up not being mine and the money has been wasted. It has been reported on all three credit agencies that I have several other college loans outstanding. I am currently paying off a XXXX loan and am one month from it being considered current - even though I have no record of taking out that loan.
I have written all three credit agencies, sent certified letters to XXXX XXXX and the dept. of education on two separate occasions over the last three years, all to no avail. Even though I ask that the debts be proven to be mine or taken off my reports, nothing happens at all. I am dillegently trying to get my credit record taken care of so that I can some day buy a house.
I am reasonably sure that I have figured out what the problem is : on XX/XX/XXXX I signed Voluntary Hardship Forbearance papers ( I have the paperwork for this action ) for the loans I had taken out on XX/XX/XXXXand this date corresponds with some of the outstanding loans. It has been reported that I " took out additional loans '' when in fact, I extended the time period before I needed to start paying my loans off.
I went to XXXX College and got a copy of my transcripts, I was not in school in XXXX so no student loans could have been extended to me at that time. These dates ca n't be a loan taken out by me. I would like help getting all student loans off my records, except what is actually owed by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a credit inqury on my report for a small business loan under my maiden name that I did not apply for. Please let me know how to resolve this and also find out if the application was approved? It made my credit score go down significantly.
Product: Checking or savings account

I opened a new account with TD Bank, and had my direct deposit from my check sent to the account to fund the account. I called after my check was paid to me to find out about why I couldn't access my funds. I was told they needed to verify my identity in person, since I opened my account online. 

This would be no problem except closest branch is 3.5 hours away from me!!!!!! 
Why would they allow me to open an online account when they want me to come into an actual branch and they know the closest branch is 3.5 hours away!!! 

They refused to take the hold off my account or to send back my money to my employer, and told me that I would need the employer to reverse the funds. 

I attempted to get my employer to reverse the deposit and they attempted but told me the reversal failed. The amount in questions was {$1600.00}. They are literally holding my money XXXX at this point. 

The account in questions is for me XXXX XXXX XXXX XXXX routing - XXXX Account - XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion illegally refuses to allow people to submit disputes by fraudulently conspiring to say they are sending an authentication email but never actually sending that email. This is a twisted conspiracy to willfully break federal law.
Product: Debt collection

THey have now called me 6 times. i have reported a complaint now 4 times on this company. at this point i am hiring a lawyer.
Product: Mortgage

We heard there may be a law sued by Wells Fargo. In 1981 we worked out a plan with Wells Fargo to pay our mortgage 6 months on time and they would work out a plan to modify our mortgage. We paid over 6 months and they contacted us shortly prior to XXXX 1981 with no modification the same mortgage with all the back payment and interest due at one time. We were back on our feel but could not do that we were fine with paying it back over time on the tail end etc. But had to way to come up with all upfront. We called customer service and they said too bad and would start foreclosure on us. Many friends with other companies were receiving modifications very favorable but we were floored. The address was XXXX XXXX  XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year> XXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting or other personal consumer reports

This is the numerous times I've complained about being a victim of identity theft. You must remove these items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$2900.00} XXXX XXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$310.00} XXXX XXXX XXXX XXXX XXXXXX/XX/year>