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

Experian has violated federal laws and I am here to prove it. They are reporting accounts to my credit report without consulting with me first and getting written consent. This is violating 15 USC 1681 ( 2 ) I never gave Experian written consent to present the following accounts on my report and they have failed to prove it. This gave the furnisher of these accounts inaccurate information & an unfair advantage over me and has caused detriment to my credit profile. 
15 USC 1681 ( a ) ( 1 ) Congress clearly states that the banking system is dependent upon my consumer reports being fair and 100 % accurate to me. When I disputed the information Experian stated that the information is accurate without completing a fair & thorough investigation or consulting me first. The company has violated unethical practices Pursuant to 15 USC 1681 ( a ) ( 2 ) Experian uses an automated non-human mechanism that has assembled information on me without my consent. The proof of this is that they are using a system called E-OSCAR which is a computer-operated algorithm that gives you an unfair advantage because my disputes never made it to a natural, living human being who can assess what I am saying. They used this computer to scan for keywords and responded with a generic response. This makes it clear that they are not worthy of the role they assumed. According to law 15 USC 1681 ( a ) ( 3 ), they are not given this role by any type of government authority, nor did I give them my written consent. I am demanding that Experian comply with my demands because their unethical practices have caused damage & unfair credit reporting on my behalf. Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave any written consent to report these accounts on my consumer report & under US law this is identity theft. 
I demand that Experian immediately remove the following accounts & inquiries from my credit report, If not I will proceed to take immediate illegal action for each violation on my report. : 1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report this is identity theft. This account is also outdated which is another violation to federal law & I have reported to the CFPB XXXX XXXX  XXXX Date Opened : XX/XX/XXXX Account Number : XXXX As a consumer by law this account must be deleted immediately. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report this is identity theft. 
XXXX Date Opened : XX/XX/XXXX Account XXXX : XXXX As a consumer by law this account must be deleted immediately. 

3. The following inquiry was not authorized by me XXXX XXXX  Date : XX/XX/XXXX Immediately remove it from my credit report 4. The following inquiry was not authorized by me XXXX Date : XX/XX/XXXX Immediately remove it from my credit report 5. The following inquiry was not authorized by me XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Immediately remove it from my credit report
Product: Credit card

I have called multiple times in XXXX and XX/XX/2023 to ask if the points that disappeared after I got it partially redeemed will show up the next billing cycle so I can redeem them again. The agents I had spoken to said yes I will be able to redeem the rest of the points which is exactly XXXX points after the partial redemption which was XXXX, during the next billing cycle. It has been over 3 months and I still havent gotten my points/ money. I want the points back.
Product: Checking or savings account

My checking and savings account was closed. I Have been a usaa member for 4 years. I never had any problems besides fraudulent transactions that was disputed on my account. XXXX percent of the disputes worked out in my favor. So I asked the representative why was my account closed, they stated that the fraud department didnt have to give an reason to why they decided to close my account and all of that information is in the XXXX disclosure I signed when I became a member. No documents was provided. The policy is that they have 60 days to close the account and send my funds in a check. I have bills and I also get ssi every month going into that checking account. I cant afford to not pay my bills for 60 days. I need my funds to be released. I cant survive 60 days without any funds. This is going to put me in a financial hardship. On The high dispute claims, there reversing the credits and on the low disputes they made permanent. I also asked for documentation on how they came up with there decision being that those disputes was under the same dispute number ID claim XXXX. All of those disputes was fraudulent thru cashapp at the same time. So why was some considered as fraudulent and some was considered not fraudulent. They never gave me any evidence to support the claims and how they came up with there answer. I also noticed that this same company has a big lawsuit going on for doing unethical business towards the consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

After seeing a dramatic decrease in my XXXX credit score I can a credit report. The results of this credit report showed a single delinquency posted by XXXX through Wells Fargo for {$3.00}. This is a card I paid in full then closed the account. The credit report shows the card with a {$0.00} balance then the {$3.00} a month later. I received XXXX communication of this charge, not an e-mail, not a statement in the mail. I was only made aware of the charge when my credit score was penalized. I called XXXX 's Card Service in XXXX and asked for the communication to be printed/digitized and shared with for evidence of their mistake. I was told this was a finance charge that should not have happened and they would remove the charge and dispute the credit report. On XX/XX/2018 they issued a letter claiming the accuracy of this charge and asked I fax documentation to further dispute. I never received any documentation to be able to comply with that request. I need to have my credit score returned to the pre-delinquency status and my husband and I are looking to finance a home.
Product: Credit reporting or other personal consumer reports

XXXX XXXX was one of the companies that sent in incorrect information. XXXX XXXX, XXXX XXXX, and XXXX XXXX. They all reported incorrect amounts that was owed. I eventually filed XXXX XXXX to get some relief. XXXX XXXX now XXXX XXXX continues to add fees. There were some other creditors.
Product: Mortgage

XXXX This is my response to wellsfargo. 

The letter states I turned down mortgage assistance on XX/XX/2011. THAT is a lie. Are you willing to say this under oath? Where is the evidence of that? I would never risk having my family on the streets. Back then my sons were XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX. Wellsfargo turned down every attempt I tried to save my house. 

I am also attaching evidence the mortgage had a 2nd mortgage balloon payment with XXXX. Which I had to pay taxes on. 

Wellsfargo also states they will contact me if an remediation funds applies to me. I heard this last time I filed a complaint. I need CFPB to step in, cause they are just giving me the run around.
Product: Credit card or prepaid card

I requested 6 old statements of my Citi Card to view on line. After 6 days and no results, I called them. It took 4 hours, 2 line disconnections, and many departments to try to settle my problem. Asked to talk to a supervisor, and line was disconnected again. I stopped for the night, as it was XXXX XXXX. The next day I tried to call again. Could not get through the automated responses. After they said, I would be taken care of by the next representative, the phone went dead. This happened 3 times. I am very frustrated with Citi Card customer service. These statements ( more than 12 months old ) are important for an accounting report I am working on. Furthermore, Citi Card started emailing me my statements without my permission, as I used to receive them in the mail. This would never have happened if they mailed me my reports in the first place. Now I am at their mercy in having access to my account.
Product: Debt collection

I have called and tried to get information from AR. I work for the XXXX  of XXXX. I went to my case manager who does our health insurance. She states. I owe no one and I have met my Deductible. They are collecting on illegal debit. I ask for detail billing have got nothing but a run around for a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX, Account # XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX Account # XXXX XXXX XXXX ACCT # XXXX, XXXX FI Account # XXXX In accordance with the Fair Credit Reporting act Convergent 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 a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Jefferson Capital Systems located at XXXX XXXX XXXX XXXX XXXX, MN XXXX purchased a debt that is more than 3 years years old and reported on my credit of a new account with new delinquent payments in XX/XX/2019 as if to appear that it is a new account when in fact it is not.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is a follow up to my original letter dated XX/XX/2018 regarding an inaccuracy in your credit reporting. Specifically as it relates to collections that I did not recall owing, made by the following company XXXX. I did not authorize anyone employed by this company to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and I am seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Actous breach of my privacy rights. I further remind you that, as in you may be liable for your willful non-compliance based on FDCPA Section 809 ( b ) FTC opinion letter XXXX from XXXX and protection afforded by the FDCPA. Failure to respond satisfactorily within 30 days of receipt of this letter may result in a small claims action against your company,
Product: Debt or credit management

Its a company posing as XXXX XXXX XXXX, though when the application was sentand received they Jargon-ed me, assured me they would call the next morning, and I had 6-days to cancel All of which were now falseI can not find an electronic option for cancellation as well
Product: Credit reporting, credit repair services, or other personal consumer reports

AFFIRM XXXX- I used this company to make a purchase with a merchant by the name of XXXX XXXX in XXXX of XXXX  or XXXX. I never received the merchandise still til this day. I contacted Affirm after I paid off my loan with them and explained the situation to them. Affirm told me that the merchant has a no refund policy. In order to return something, you wouldve had to receive something. I reached out to the merchant several times and I couldnt get through. I contacted Affirm several times via phone, email and XXXX still no luck. I reached out to my FI ( XXXX XXXX XXXXXXXX ) explained to them what happened, and I disputed the transaction with them. I won my dispute with my bank. Affirm sent my account to a collection agency I submitted proof to the collection agency, and they stated they would no longer collect on Affirm behalf. Then Affirm popped up on my credit report Ive tried to reach out to them again as well as dispute this transaction with XXXX and they keep knocking it down. Affirm has sold my account to another debt collector and I submitted proof to them as well and they're no longer collecting on their behalf. Im writing this letter in hopes that this error is corrected before it turns legal. You're my last hope please help me. I've submitted all of my proof to XXXX and have no problem submitting it to you.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. XXXX XXXX XXXX, XXXX has violated my rights by furnishing these inaccurate and fraudulent accounts below. 

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 XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 604 A. section 2. it also states a consumer reporting agency can not furnish a account without written instructions. 15 U.S.C 1681 B. Permissible Purpose. The user must disclose to the consumer that an investigative consumer report may be obtained. This must be done in a written disclosure that is mailed, or otherwise delivered, to the consumer at some time before or not later than three days after the date on which the report was first requested. The disclosure must include a statement informing the consumer of his or her right to request additional disclosures of the nature and scope of the investigation as described below, and the summary of consumer rights required by Section 609 of the FCRA. ( The summary of consumer rights will be provided by the CRA that conducts the investigation. ) The user must certify to the CRA that the disclosures set forth above have been made and that the user will make the disclosure described below.

Upon the written request of a consumer made within a reasonable period of time after the disclosures required above, the user must make a complete disclosure of the nature and scope of the investigation. This must be made in a written statement that is mailed or otherwise delivered, to the consumer no later than five days after the date on which the request was received from the consumer or the report was first requested, whichever is later in time.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ) SSN ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XXXX, XXXX XXXX accounts receivables # ( XXXX ), a personal credit card opened at XXXX XXXX on XX/XX/XXXX accounts receivables # ( XXXX ) These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, charge-offs or hard inquiries as reported. The aforementioned accounts, collections, charge-offs and hard inquiries appearing on my credit report - " XXXX '' consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. 

As pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), I demand that the Equifax credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX XXXX
Product: Debt collection

This ordeal began in XX/XX/XXXX when we had our daughter. We fell in love with a pediatrician with XXXX XXXX XXXX in XXXX Washington. We ended up moving our other XXXX children over to her care also. Unfortunately, that pediatrician ended up moving shortly after the birth of our daughter, so we were in limbo for a few weeks until new doctors joined the establishment. Rather than switch offices entirely, we were patiently waiting with high hopes that we would find a replacement that would fit our needs just as the previous doctor did. We never settled with a primary doctor but instead bounced around between a few different providers with no real preference or opportunity to have a preference. Things became increasingly confusing when we switched insurances and at one point became double covered for an extended period of time. 
I was n't sure how the double coverage would affect our co-pay and deductibles so I would frequently ask the receptionist how our bill was going to change or if it would change. No one could really provide any definite answers. After receiving a collection notice in the mail, I called and asked to speak with the billing department. This happened on many occasions with no real resolution. I would continually leave messages with no return phone call. We eventually received a letter excusing us from the practice. We gladly obliged. 
Not only had XXXX basin excused us from their practice, but they also sent us to multiple different collection agencies. I received another notice in the mail asking to respond to a court date. I responded to the notice, not realizing XXXX other collection agencies were also proceeding with court judgments at similar time frames. This became overwhelming to say the least. Because I did n't understand that multiple agencies were contacting us, I only responded to XXXX of the XXXX, allowing the others to seek and receive a judgement in their favor. 
This billing issue has ruined our credit, caused significant amounts of XXXX, and yet continues to haunt us today. 
My husbands check has been garnished multiple times for this by multiple different collection agencies ... each claiming the SAME debt is owed. 
We are at our wits end and in desperate need of help to finally be done with this horrid ordeal once and for all. I 've lost my motivation to fight this unfair and saddening injustice.
Product: Credit reporting

Experian keeps putting a fraud alert on my credit file without my permission. I would like this removed as soon as possible. I am trying to open up a my social security account and ca n't because I have a fraud alert on my file. Here 's a copy of what they " claim '' I stated in which I did n't. " At your request, we include the following statement ( s ) every time your credit report is requested. 
ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XX/XX/2015. '' Again. I NEVER requested that and they are misrepresenting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

BUREAU OF ACCOUNTS COLLECTION IS COMING UP ON MY CREDIT REPORT LAST SHOWING REPORTED XX/XX/2022. THIS COMPANY IS A DEBT COLLECTION AGENCY FOR A DOCTORS OFFICE. THIS DOCTORS OFFICE FRAUDELENTLY RAN MY CREDIT CARD AND REFUSED TO BILL MY INSURANCE COVERAGE FOR SERVICES RENDERED. THE BALANCE SHOWING ON MY CREDIT REPORT IS INACCURATE. I HAVE TRIED CALLING THIS COMPANY SEVERAL TIMES AND THEY REFUSE TO GET BACK TO ME, REFUSE TO UPDATE THE ACCOUNT BALANCE AND MOST IMPORTANTLY THIS IS A MEDICAL CLAIM THAT SHOULD HAVE WENT THROUGH INSURANCE.
Product: Credit card

WIFE DIED XX/XX/2020. THESE ACCOUNTS WERE UNKNOWN AT TIME OF DEATH. WHEN XXXX WAS MADE AWARE, HE PAID OFF ALL ACCOUNTS, CONTACTING ALL CREDIT CARD COMPANIES AND INFORMING THEM WIFE IS DEAD AND ACCOUNTS NEED TO BE CLOSED. 
PAYPAL, SUBDIVISION OF SYNCHRONY BANK, SAID THEY CLOSED THE ACCOUNTS. THEN WHEN A RENEWAL AMOUNT ARRIVES, UNKNOWN TO XXXX, THE PAYPAL ACCOUNT IS REACTIVATED AND THE BILL SENT TO XXXX. HE IS NOT RENEWING ANYTHING, AND HAS CONTACTED EVERYONE HE CAN FIND TO CLOSED AND CANCEL. BUT PAYPAL REFUSES TO BELIEVE SHE IS DEAD AND CONTINUES TO HARRASS WITH ADDITIONAL BILLS. 
YESTER ANOTHER BILL ARRIVED AFTER WE CONTACTED THEM AND SENT ANOTHER CERTIFIED LETTER CONTAINING THE CERT COPY OF DEATH CERTIFICATE TO THEM, REQUESTING PAYMENT FOR A NEW CHARGE. 
NO ONE WILL ACKNOWLEDGE THE PREVIOUS PERSON HE SPOKE WOTH EVEN WORKS THERE, AND THE BILLS KEEP COMING. NOW WHAT DO WE DO?
Product: Debt collection

On   XXXX   XXXX   XXXX     I contacted Bank of America to try to reach a resolution with an account that I allegedly owe. I did not to admit to any debt owed and asked the representative what options are available for this unowned debt to be removed. The representative proceeded to tell me that this is her last call of the day so we needed to resolve the issue immediately. The more I explained, she let me know that she would have to connect me to a collection department. When I was transferred to a collection department, the rep informed that no pay to delete options could be made with bank of America because, " When your account is charged off, we get discounts with the FDIC and the account does n't effect us anymore. '' He proceeded to refer me to  XXXX   XXXX   XXXX  and said that I would have to talk to them to resolve this issue and work to have my credit updated. After contacting this company, they did not even attempt to pull up any account or verify any amount owed and yet demanded a payment of {$2000.00} for removal of account. I would not proceed with any transaction and was informed that Bank of America and  XXXX   XXXX   XXXX  can sue me for refusing to pay the debt!!!