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

EXPERIAN IS REPORTING A FRAUDULENT PHONE NUMBER ON MY CONSUMER CREDIT PROFILE. I HAVE REQUESTED SEVERAL TIMES FOR THIS FRAUDULENT PHONE NUMBER TO BE REMOVED BUT EXPERIAN IS BENT ON VIOLATING MY RIGHTS UNDER THE FCRA GUIDELINES BY REFUSING TO COMPLETELY DELETE THIS PHONE FRAUDULENT PHONE NUMBER FROM MY CONSUMER CREDIT PROFILE EVEN AFTER SEVERAL REQUESTS BY MYSELF TO HAVE IT DELETED. THIS IS A VIOLATION OF MY RIGHTS UNDER THE FCRA GUIDELINES AND REPORTING A NUMBER THAT DOES NOT BELONG TO ME ON MY CONSUMER CREDIT PROFILE CAN SUBJECT MY TO IDENTITY THEFT. 
I HAVE ATTACHED A COPY OF MY MY MOST RECENT CREDIT REPORT AND A SCREEN SHOT EVIDENSE OF THE ITEM IN QUESTION. XXXX IS NOT MY PHONE NUMBER. DLETE THIS NUMBER IMMEDIATELY.
Product: Credit card or prepaid card

On XX/XX/XXXX I applied and was approved for a CareCredit card through Synchrony bank for a credit line of {$14000.00}. I am having a procedure on XX/XX/XXXX and was told by my doctor 's office to apply for CareCredit, which is why I went ahead and did so. After being approved and giving my doctor 's office the account information, I was told by CareCredit nearly 2 weeks later ( today ) that I would need to submit additional verification for the account due to " potential fraud ''. Fine, however, they want me to PHYSICALLY MAIL a copy of my driver 's license and a utility bill to their Florida office. According to them, it will take 2 weeks to process the information after receipt of the documents. CareCredit/Synchrony ran my credit, put an inquiry on my account, mislead me to believe they were issuing credit, just to pull the rug out from under me at the 11th hour. My doctor processes all payments 2 weeks prior to XXXX  to ensure there are no issues ( understandably so ). Now CareCredit/Synchrony has put me in a very tough situation and I will have to secure additional funding elsewhere. Meanwhile, I have a worthless credit card that has affected my credit score. They baited me into applying, falsely approved me, and are now making me jump through hoops to receive the credit. I have a high score, highly liquid assets & income, and a well-established credit history. The most unbelievable part about the entire situation is that they would not allow me to email the documents over, it had to be physically mailed. In XXXX that is absolutely egregious.
Product: Credit reporting or other personal consumer reports

I was an authorized user for Citibank Wayfair Card on my girlfriends account and was removed a few months later ( XX/XX/XXXX. ) I disputed the incorrect information since it was still reporting me as an authorized user to this day ( XX/XX/XXXX ) and they claimed to investigate and clearly was not the case for I was removed and I called Citibank and they said I was also removed so why XXXX was claiming it as accurate after XXXX disputes is beyond me. I have supporting documentation.
Product: Checking or savings account

On XX/XX/XXXX, I was purchasing cryptocurrency ( XXXX ) on the exchange platform " XXXX ''. I had intended to buy {$200.00} USD worth. I have done this many times before, and have never had this happen. I initiated the purchase using the same account I have always used. After clicking the " buy '' button, on the XXXX app, I shortly received an email, saying I had " insufficient funds ''. This was absolutely not the case, I had more than enough funds in the account. Later that day, I logged onto my online banking app ( Truist bank ), and found that the {$200.00} had indeed been charged. I thought it was odd, but I assumed it might be a technical error, after reading similar experiences online that other people had buying/selling cryptocurrency during times of high traffic on XXXX. So I waited. I found the following day, that the {$200.00} charge was no longer pending on my account, and had gone through successfully. I checked my XXXX account, and I had not received the XXXX. Over the following 2 weeks, I reached out to XXXX support 4 times, No solution. I submitted a dispute with Truist, they denied it, saying I authorized the charges. I am not sure how this would not qualify as fraud. I paid {$200.00}, and got nothing in return.
Product: Debt collection

Every year Partners financial services goes to court to garnish my minimum wage job they are an affiliate of XXXX XXXX XXXX   school. The first court hearing i did not even have an opportunity to talk to a judge and i could not afford a lawyer. Each year they go to court without my knowledge and keep renewing their garnishment without a notice to appear or any way to fight them. I cant even get appropriate account numbers to identify them. I was not healthy enough to pass the DOT physical exam due to health issues and I weighed over 500lbs. I have been told it is a debt and i will pay said debt. They report to credit agencies that i do not pay them when they do get paid they garnish a minimum wage job. I cannot even get a car loan to get to my job.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated with the state of my report. These inaccuracies are damaging my score and actively preventing me from moving forward. Its unfair, disheartening, and honestly, exhausting to deal with errors that shouldve never been there in the first place. Ive worked too hard to have my progress erased by someone elses mistakes or unverified data.
Product: Debt collection

This is a predatory company set up to fine anyone who even remotely is around them. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


The name of this company is XXXX XXXX 

They claimed we parked on their parking lot for XXXX minutes, and did not pay their mailed parking ticket. 

They then sold this {$80.00} parking ticket to their own internal debt collection company, that mailed us a fine for not paying them for parking. I asked for proof of this debt in some way, and they said it was not their responsibility nor were they required to provide proof of the debt, and hung up on us. 

We called multiple times. 

This is not uncommon according to many others online who have attempted to interact with XXXX XXXX and their debt collection company.
Product: Debt collection

I told them months ago to refrain from calling or email and to contact me by USMail only. They actually called my sister in Georgia, who has no interest or responsibility in the debt and is not a point of contact. I never gave them her information and they had no right to contact her. So i called them and I said i told u not to contact me any way other than by mail and why are u calling my family about this? You are violating my privacy. He started yelling aggressively, " we tried calling you over 350 times in the last month and we couldnt reach you! We are not violating your rights we are attempting to locate you! '' I said I told u not to call me, to only contact me by US Mail and Im telling you again. And he continued to talk over me saying i never told them not to call, I never answer the phone etc so i hung up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 a consumer reporting agency can not furnish my account without written instructions.
Product: Debt collection

I ( XXXX XXXX XXXX recently obtained a copy of my credit report. Access Receivables Management continues to violate my rights according to Fair Debt Collection Practice Act ( FDCPA ). Also this company is in violations according to 15 USC 1692. This company have violated 15 USC 1692b ( 2 ), 15 USC 1692b, 15 USC 1692c. 15 USC 1692c ( 1 ), 15 USC 1692c ( 3 ), 15 USC 1692d, 15 USC 1692e. This company have violated my rights as a consumer and misuse my name. Hurt my reputation and my life. I have attached my LICENSE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an inquiry that was not authorized by me done wit XXXX XXXX. They sent me a letter saying that it will be removed from my credit report but experian still refuse to remove it.
Product: Credit card

I am requesting an answer from your agency on why claim # XXXX was closed when our son in law has opened 22 authorized user credit cards in our name without XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX consent or knowledge? We need your help to get to the bottom of this. This includes XXXX XXXX, XXXX and JP Morgan. Please Advise.
Product: Credit card or prepaid card

ive tried to reach out to American Express in regards to a fraudulent balance transfer of XXXX that took place last year XX/XX/17 to date they have not credited my account for this fraud transaction i informed them on XX/XX/2017 of this matter and also an charge for XXXX they have disregarded my claim
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I asked for documentation verifying the account to be sent to me directly following my dispute. The account in question XXXX XXXX XXXX is 7 years old and is still reporting to XXXX  and Experian. I was sent a letter stating the account has been verified  as accurate, but the dates are incorrect and should have been deleted at the seven-year mark.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, I electronicially demanded that XXXX, XXXX XXXX and Equifax immediately remove negative information which is now affecting my rental home. I may lose my home due to the illegal reporting from XXXX. It now well over 30 days and I contacted XXXX, XXXX XXXX and Equifax to remove the negative information reported by XXXX Credit Initial Acct. XXXX XXXX XXXX. All XXXX credit bureaus are refusing to remove the negative item related to the XXXX negative information. 

The business with XXXX is illegal in the first place. I was sold a car resale whereby XXXX dealership never serviced to the car, yet handed the car to me. This XXXX car had to be picked up by XXXX dealership after only 2 and 1/2 months. The car was not driving. Then, XXXX after getting paid thru varied insurance policies had nerve to sell the contract to a Debt Collector for pennies on the dollar and then in ill will - put on my credit report a Repossession WITHOUT MY WRITTEN PERMISSION. I was never issued a NOTICE OF FURNISHING NEGATIVE INFORMATION and I never signed a NOTICE OF FURNISHING NEGATIVE INFORMATION I am well aware that as of XXXX - Fair and Accurate Credit Transactions Act of XXXX was put in place to protect consumers like myself to protect against bad good faith business who initiate contracts involving illegal activities such as reselling cars that are never serviced and sold defective. XXXX does not have anything in writing from me reporting ANYTHING negative on my credit report. I have asked XXXX, XXXX, XXXX, Equifax to provide me proof that I signed ANYTHING permitting XXXX to report negative information. In the past 30 days as of XX/XX/XXXX, all 4 companies have not performed in providing anything signed by me stating NOTICE OF FURNISHING NEGATIVE INFORMATION - XXXX is reqiured to me the following statement " WE MAY REPORT INFORMATION ABOUT YOUR ACCOUNT CREDIT BUREAUS. LATE PAYMENTS, MISSED PAYMENTS, OR OTHER DEFAULTS ON YOUR ACCOUNT MAY BE REFLECTED IN YOUR CREDIT REPORT. '' Their refusal to remove their negative reporting is not affecting my housing right - under Fair Housing Act, Civil Rights Act of XXXX, Civil Rights Act of XXXX. XXXX Credit failed to obtain my written authorization under Fair and Accurate Credit Transactions Act of XXXX - XXXX is required to provide me above statement as prescribed by Section 217. 

I need XXXX, Equifax, XXXX  and XXXX Credit to remove immediately the unlawful rereporting which does not complay with Fair and Accurate Credit Transactions act of XXXX prescribed by Section 217. 30 days have passed - all three credit bureaus want to dsipute AGAIN! This needs to stop. I am losing my rental home due to this illegal marking. They failed to get my permission in writing - as required by Fair and Accurate Credit Transactions Act of XXXX prescribed by Section 217. I can not lose my home due to XXXX Credit, XXXX, Eqifax andXXXX  electing to bully, harrass and descriminating against me by refusing to remove this negative marking,
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX Those cases are Fraudulently manipulating the score factors of Experion which by federal law is illegal and violating their CRA. It needs to be corrected. Im taking this Results to congress. Im in Washington D.C.
Product: Credit reporting

An item that is not mine is reporting on my credit report. I filed a police report and was advised it has been removed. per the attached complaint wit the CFPB. However, this is still on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX
Product: Student loan

I have been diligently paying my student l oan ( s )  ; {$5800.00} & {$17000.00} since  XXXX   XXXX  to  XXXX   XXXX , then Navient ( #  XXXX  ) took over said I missed a payment in  XXXX   XXXX  which I believed was misapplied and confirmed as I have a letter from Navient dated  XXXX / XXXX / XXXX  stating " my loan is current and in good standing ''.   I requested a  XXXX  Account  Manager  call me last week  XXXX / XXXX / XXXX , after paying on-line and being charged a late fee and I questioned the balance has not gone down in 12 years. I was read information from my account file today  XXXX / XXXX / XXXX  by  XXXX , Supervisor which I stated was not true to include the amount owed since I keep  getting 6-8 phone calls each day. The Navient Supervisor would not let me speak as I had a witness to this call  documenting the false/erroneous information being read to me by  XXXX , who abruptly hung-up without letting me articulate further. I also applied for loan forgiveness in  XXXX  under the law for the period of   XXXX   XXXX    XXXX   (   XXXX   )  in m y SSA Noti ce of Award dated  XXXX / XXXX / XXXX  after being injured in the line-of-duty as  a Public Safety Officer. Instead, I was placed in forbearance, explained I was not eligible, and placed in an Income Based Repayment Plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am notifying you about my identity theft in my letter of complaint since I was a victim of it. I've discovered that some of the accounts included on my credit report are either not mine or were opened without my knowledge. I need your help to remove these items from my report. Any accounts referenced in an identity theft report must be blocked or deleted by the credit bureaus, according to FCRA section 605b. I've included a few documents to help in the effort to stop the submission of false information on my report. 
XXXX  XXXX  XXXX  XXXX Balance Owed : {$5400.00} XXXX/XXXX  XXXX Balance Owed : {$0.00} XXXX/XXXX  XXXX Balance Owed XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00}
Product: Credit card or prepaid card

Someone requested a credit card on my account when i did n't request it. I had one card and someone else was able to request another one under my account and racked up a bill. They said they could n't do anything for me because they did n't see the fraud happening. So I got stuck with the bill and had to pay it off. Then someone kept trying to get into my account. I was receiving temporary pass codes and I called them and told them it was n't me trying to access it. I had closed all my accounts with them. I was not very happy with their customer service. I was being sent to different people all the time and they said the exactly the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
15 USC 1666B : A creditor may not treat payment on a credit card account u open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having an issue with Equifax where it has merged my account with someone else in error. All of their bad debt is showing up on my account. There are about 8 items that are not mine. I was even contacted by the Sherriffs office on behalf of the person I was merged with because they thought I was an identity thief. I have disputed these items on a monthly basis with Equifax, stating each time these accounts are not mine and please separate the accounts. I am currently trying to buy a house and the debt from the other party is making it impossible to get a loan. I am to the point where legal action must be taken to advance. I have already done more than I should have had to with this issue. It's been more than a year with no resolution.
Product: Money transfer, virtual currency, or money service

XXXX  closed my account that was in good standing. It's currently frozen.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. I REACHED OUT TO XXXX, TRANSUNION AND XXXX TO DISPUTE THE INQUIRES AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. I HAVE FILED A POLICE REPORT AND FTC REPORT AND THE CREDIT BUREAUS HAVE FAILED ME. 

XXXX ON TRANSUNION REPORT XXXX XXXX XXXX XXXX REPORT XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined ON TRANSUNION REPORT NONE OF THIS INFORMATION IS MINE, IVE DISPUTED IT SO MANY TIMES AND NOTHING HAS HAPPEN.
Product: Credit card

Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. They also have no permission to report ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit card or prepaid card

On XX/XX/2021, I attempted to purchases 100 " stamps '' through J-Pay, a company that provides electronic messaging between individuals who are XXXX  and those in the free world. There contact information can be found here : https : //www.jpay.com/ContactInfo.aspx Instead of processing my order for 100 " stamps '' for me to communicate with people in Michigan 's XXXX  XXXX ( which is what the page specifically stated when I placed the order ), they instead added 100 stamps to my account to contact people in Florida 's XXXX XXXX. I have attempted numerous calls to their customer service line ( which states they will provide support 24/7 ), but I have not been able to contact a single individual and their automated system does not provide prompts related to this issue. 

Not only have they failed to resolve this issue, but they have also failed to respond to my email inquiry as to why they charge more money for stamps required to contact people in Florida 's XXXX XXXX compared to stamps for people in Michigan 's XXXX XXXX
Product: Debt collection

I am a XXXX worker, employed through a staffing agency. My supervisor at the client company received a debt collection call. She said she 's received several calls before and gave me the telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information.

Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability.

By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). Chester v. Purvis, 260 F. Supp 2d 711 ( S.D. Ind. 

XXXX ) I have not initiated any transaction with XXXX Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with onemain for review or collection.

Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both.

By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}.
Product: Money transfer, virtual currency, or money service

I have over {$80000.00} stored in an investment account with Axos Bank. I have attempted multiple times to transfer this money to my checking account with XXXX XXXX XXXX XXXX, with my first transfer on XX/XX/XXXX. These transfers have not gone through, and have disappeared from my transaction history. I have contacted customer support on XX/XX/XXXX. They claimed to be fixing the problem, but I still haven't gotten my money after waiting 8 days.
Product: Mortgage

Hello, I am being denied loan modification due to my XXXX from being fired while on workers compensation. I am a XXXX XXXX XXXX that was fired while hurt on the job. From my injury I have XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Also, I was current on my home mortgage until I was hurt on the job and fired. My wife is not employed and is currently in XXXX  school. I am the sole provider of my household and my salary per year was {$180000.00} per year until I was terminated from my job. I was granted a forbearance but then they said it was denied, I was granted a loan modification but then denied. The forms I submitted they stated was not sufficient enough. PennyMac is the mortgage servicer for my home. And with my injury the law states my I trest rate states it shouldnt be more than 2 % but mine is 3.5 %. The required mortgage is {$2400.00} but with my injury and current XXXX status I should be paying no more than {$600.00} per month for my mortgage. I am being scammed and they are trying to take my home. I was even told by Pennymac to sell my home and also that I didnt qualify for anything and I am stuck with being homeles with a wife and XXXX kids. Please call me at XXXX XXXX XXXX. 
My home address is : XXXX XXXX XXXX XXXX XXXX, Ca XXXX PennyMac Mortgage Loan number : XXXX telephone number : XXXX XXXX XXXX XXXX XXXX is the XXXX of the Loan issue. 
Please contact me ASAP and I will elaborate on the situation even more. I am also faxing my documents that is needed and requested.