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

Experian provides you with a pin number that does not work they claim that they can't verify your identity I have spent 4 hours on the phone calliing different numbers no option to unfreeze my account no representative ever comes on the phone, only way is true the mail, they make it impossible to be convenient. But what a coincidence that they have a service that locks and unlocks your credit for a fee what a scam.
Product: Credit reporting or other personal consumer reports

Greetings, I was a victim of an online job scam back in XX/XX/XXXX. XXXX is reporting to Early Warning Services consumers reports of this being a forged " Account Check Fraud, '' which I find highly unprofessional on their part when I was a victim of a scam myself. The individual posting as XXXX XXXX was trying to hire me to become a data entry clerk for the company. I was reached out to by a recruiter via XXXX or XXXX  during the same month. After I completed the personal information, I provided them with my ID as well as my SSN, and XXXX and the next day I was told I would be hired. They advised me that they were sending a check in the mail via XXXX  for me to purchase equipment to do the job, but I would need to deposit the check and then go to a website to purchase the required equipment. I deposited the check, and it was cleared the following day. I took the cash out, bought the equipment, and sent the money over to them via XXXX XXXX. I received a call from XXXX advising me that the check was returned and that my account would be in the negatives because the check appeared to be fraudulent. I had no intention of defrauding XXXX. I filed a police report regarding the scammers posing as a legitimate company when they were not and advised XXXX of the same issue. Years later, I am unable to open new bank accounts with any large institution because of the unfair reporting of " Account Fraud '' by XXXX. I tried to dispute the information with Early Warning Services , LLC, on XX/XX/XXXX, but I was advised by them a few weeks later that the bank notified them that the information was accurate. No other options were provided. Every bank is viewing me as some sort of criminal. It is embarrassing and extremely XXXX. I call on the Government to investigate this matter thoroughly, and if there are any wrongdoings by XXXX I deserve compensation for the stress that I've endured, and the loss of income it has cost me. 

Thank you,
Product: Credit reporting

On Monday XXXX XXXX, 2015 i have been trying for hours to have someone at Experion assist me with items that appear on my credit report in a negative way. The website does not allow you to dispute any items, gives you a message to call XXXX #, you speak with someone and the leave you on hold and never come back on the line.I want them to clear my report of all negative items as soon as possible. Experion keeps transferring me around and no one will help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The name XXXX, XXXX XXXX and address XXXX XXXX XXXX XXXX, NC XXXX does not belong to me.
Product: Credit card

I applied for Avant credit card in XX/XX/2023 and was approved. I moved while waiting for card to be mailed. I obtained a po box address while I was awaiting my new physical residence. They refused to mail to the po box . I've submitted numerous times documentation showing my new physical address with update State Drivers license, rental insurance and lease as well as car insurance ALL showing this physical address. I've emailed, called and complained but nothing settled. It's been over 3 months and the account is open with a credit line but I have no card.
Product: Credit reporting or other personal consumer reports

. I noticed credit inquiries that I did not authorize! I did not authorize anyone employed by these companies to make any inquiry and view my credit report. 
This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. I contacted transunion & they replied today XX/XX/ with the enclosed document which is a delay which is illegal I personally wrote the dispute letter enclosed I called transunion to tell them it was me & they hung up on me 3 times
Product: Credit reporting, credit repair services, or other personal consumer reports

An item has been furnished to my Consumer Report without my consent on XX/XX/2023. This is an initial notification to XXXX XXXX  XXXX. Account # XXXX for not providing me with Pursuant 15 USC 6802 ( b ) as a consumer which give me the right to " OPT-OUT ''. They have committed not only fraud but, identity theft on behalf. I was never issued 3 disclosures in regard to any privacy notice of protecting my non-public personal information at consummation. It also violates Gramm-Leach Bliley for failure to safeguard my personal information & negligence on their behalf. Sharing my information with non-affiliated third parties/companies without my consent is identity theft. 
XXXX, Experian, XXXX are non-affiliated third companies & an invasion of my right to privacy
Product: Mortgage

Freedom Mortgage imposed fees during the mortgage moratorium and during an automatic stay, simultaneously. The fees total in the amount of {$720.00}. The fees were all incurred during the year XXXX, starting on XX/XX/2020. The automatic stay was implemented in early XXXX of that year. 
Additionally, my lawyer and I have requested a detailed listing of charges that account for the sum of the promissory note that resulted from the moratorium to ensure the amount included no interest or late charges or other invalid charges. The sum of the promissory note was {$23000.00}. My requests ( along with my lawyer 's requests ) to remove fees and detail the note have been ignored. 
Bankruptcy was filed in XXXX GA Bankruptcy court, XXXX.
Product: Credit reporting

Lates were reported on my credit report while I was under bankruptcy. The lates were reported XX/XX/XXXX-XX/XX/XXXX.
Product: Mortgage

Wellsfargo modified my mortgage without my permission XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX ( No account number ) is listed as a collection account on my TransUnion credit report. The alleged amount owed is {$120.00}. 

I have disputed and ask this credit agency for validation of this debt and have not received a response.
Product: Debt collection

I sent an affidavit to Afni outlining their multiple violations of 15 USC 1692, with an invoice for compensation of damages. Their previous response to the CFPB complaint did not address the request for monetary relief. I have attached the notarized affidavit, the pieces of evidence, and the invoice to this complaint. These documents were delivered XX/XX/2020, via Certified Mail.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I signed up with big picture loan for a pay day loan for the amount of {$600.00}. I have been making payments of {$140.00} twice a month since XX/XX/XXXX until now. I made around 17-18 payments ; totalling over {$2500.00} ; as of today my balance remain at {$550.00}, only {$46.00} went towards my balance. And that's where my problem are with big picture loan, {$2500.00} all in fees?.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sirs, XXXX  XXXX XXXX pulled a hard inquiry on my Experian credit report on XX/XX/2018. 
I have never authorized this inquiry and I kindly ask you to remove it. 

Thank you XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute  XXXX   XXXX   XXXX   XXXX  on credit report number  XXXX . The balance listed on the account is incorrect. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have collection agencies coming after me for complaints that are over XXXX XXXX XXXX. Also these agencies have no idea what actually happened. i recieved a damaged item and had sent the item back and was never credited. i didnt even know the bills were still active. I was also the victim of fraud. Someone was using my name and running up my credit without my knowledge. This happened more than 10 years ago and its still ruining my life. I cant borrow anything and im about to be homeless. Please help!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 fraudulent inquiries on my credit report that I didnt authorize. These inquiries are fraudulent and need to be removed from my credit file immediately. The inquiries are from XXXX XXXX  on XX/XX/XXXX and XXXX XXXX  on XX/XX/XXXX. Someone tried to open an account in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting citizens one auto finance account # XXXX has violated my rights. 

15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

This debt is a 3rd party when i asked to verify it they cant
Product: Vehicle loan or lease

At the start of my first lease through XXXX XXXX, the sales manager who guided me through the process gave me a few pieces of information that I later learned were untrue : ( 1 ) " There is no leasing company. '' I clarified by asking whether this meant that all their leases were internal, and he confirmed that they were. They 're not.
( 2 ) " You 'll never need to buy tires for this car. '' He told me this as he was handing me the coupon book for my maintenance agreement. You can imagine my surprise when I brought the car in a couple years later with worn out tires and discovered that they were charging me for the new ones.
( 3 ) " Overage miles are {$0.00} per mile, but you only pay that if you walk away. If you sign up for a new lease, they usually waive that for you. '' He went on to talk me into upgrading to XXXX, to cover any repairs that might be needed. " Do you plan to keep leasing? '' he asked. Then with XXXX, he explained, I would n't have to worry about any fees at the end of my lease. 

The first two times I learned that what XXXX told me was wrong, I let it go, willing to assume that he meant well and must have been mistaken. But, each " mistake '' has been significantly more expensive than the last. The overage fees came up two days after I 'd upgraded to a new lease ( XX/XX/XXXX ). The salesman for this new lease ( not XXXX ) texted me ( on XX/XX/XXXX ) and told me that " the new car deal is n't complete without closing out the old car, '' which meant paying overage fees and wear and tear, which XXXX 's employee, XXXX, had specifically told me not to worry about. This new salesman pressured me to pay these fees within the next couple of days, even though I had not yet received the inspection report detailing what repairs the wear and care fees included. 

I went up the chain and ended up talking with XXXX XXXX ( who I was later told was the owner ) the next day ( XX/XX/XXXX ). I explained that their salesman had put me in a bind by setting me up to be completely shocked by thousands of dollars in charges. He was completely unapologetic and unwilling to take responsibility for his employee 's XXXX up. I even offered to meet him halfway on these fees and split the costs with XX/XX/XXXX. He refused, saying that he would be " generous '' enough to pay one-quarter. 

I told XXXX that I could n't afford that much on such short notice. I added that the salesman on the new lease had let me know that the deal was not finalized until these fees were paid, and that I did not want to move forward under these terms : I told him to stop the deal. The next day XXXX called me back and told me that the deal had been finalized.
Product: Debt collection

Midland Funding LLC has sued me in Louisiana Civil Court, and has violated several of the CFPB Consent Order stipulations : 1 ) They have initiated a lawsuit with a failure to provide Original Account Level Documentation reflecting purchase, payment, or other actual use of the account by the consumer. 

2 ) They have failed to provide a document signed by the consumer evidencing the opening of the account forming the basis of debt and original amount. 

3 ) They have provided a Bill of Sale that fails to reference the particular debt being collected upon. 

4 ) They have presented to a court an affidavit in which an affiant represents having personal knowledge of validity of debt when that is not the case.
Product: Credit reporting, credit repair services, or other personal consumer reports

N ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX ACCOUNTS # XXXX XXXXXXXX XXXX, XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX HAS VIOLATED MY RIGHTS. 

15 U.S.C 1681 SECTION : 602 A. STATES I HAVE A RIGHT TO PRIVACY 15 U.S.C 1681 SECTION : 604 A. SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to file a complaint against TransUnion, a credit reporting agency, for violating my rights under the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/23, I filed an identity theft claim with TransUnion and requested that they block any fraudulent accounts or inquiries related to the identity theft from appearing on my consumer report. However, despite federal law requiring credit reporting agencies to block fraudulent information within four business days of a consumer 's request, TransUnion representatives ( XXXX through text message, XXXX XXXX, and XXXX XXXX on XX/XX/23 at around XXXX XXXX XXXXXXXX ) advised me to wait 30 days for the dispute to be resolved. 

This delay in blocking the fraudulent accounts on my report has caused significant harm to my credit and financial standing, and I believe that TransUnion 's actions have violated my rights under the FCRA. 

I have attempted to rectify this issue with TransUnion, but their representatives have been unhelpful and have failed to comply with federal law. As such, I am requesting that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that TransUnion complies with the FCRA and promptly blocks any fraudulent information from my consumer report. 

Please let me know if you require any additional information from me regarding this matter. Thank you for your attention to this issue.
Product: Checking or savings account

My late husband and I have had an account at a bank since around 1970 which has served us well until we moved to XXXX many years ago and with retirement the account receives direct deposit of pensions. Unfortunately my husband used a familiar name instead of my birth name, XXXX XXXX XXXX XXXX. With new rules for identification from this bank I am unable to access my account despite several mailings from me of my details and W-Ben forms XXXX but without a birth certificate in the account name it has now been blocked from me. Luckily, the Social Security Administration has accepted my array of identification documents and is issuing my direct deposit in the correct name. I have asked the XXXX to make direct deposits to my account in XXXX to avoid the XXXX bank, same with XXXX but now that I can't even access the account overview I don't know if those diversions have been enacted. The ATM card I have with that bank no longer works either. At this point I'd prefer to have the account closed and the remaining monies transferred to me here but that action is no longer available to me either. Actually I don't understand why that bank accepts transfers in either name since both should now be XXXX instead of XXXX... but who can tell why...
Product: Mortgage

My payments to OCWEN are supposed to include tax payments to XXXX and insurance payments. A few months back I received notice from the insurance company that my policy had been cancelled due to lack of payment even though all my payments to OCWEN have been on time. Then I found out that OCWEN purchased another policy for me that was more than double the cost of the policy they let expire. I have since found another insurance policy for a much more reasonable price and I have paid in full for the entire year. Now the issue is after phone calls and letters, OCWEN will not readjust my escrow payment so I am still paying a higher price they originally calculated. I never chose OCWEN, this company was forced on me When Indy Mac sold my original loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

So I paid off my XXXX  XXXX XXXX credit card nd they promised wen I was making last payment tht they will send me a paper nd also to credit agency nd have it remove off my credit so it wnt affect it its still there I tried reaching them many times they didn't respond nd credit wnt fix it they said XXXX XXXX XXXX says it's current I paid off XXXX card nd same thing was told to me I made full payment of wat i owe as I lost my job due to covid nd had injury nd health issue but as soon I got money I paid off they promised to remove the bad credit late payment off my credit nd same they didnt rhey didnt remove it it's still showing nd affecting my credit I opened a account with chime credit card nd I couldn't even make it wrk it didn't let me do nothing I never got the credit card I told them nd they said they will fix it nd send me another card i requested for account to be close becauz I couldn't use it nd it was just affecting my credit nd they closed my account nd than suddenly closed my checking account too nd now they lying nd saying XXXX didn't comply which is a lie as i requested I'm also seeing if says I got a credit loan for sumthing which i didnt idk wats going on I feel like scam is going on please help me All XXXX of these companies lied to me to make me pay it off all nd than did this nd hurted my credit I can't get another credit card or house or car
Product: Student loan

Randomly received a bill in the mail stating that I owe Navient a total of XXXX principal and XXXX of Unpaid Interest ; last payment received XX/XX/12. This is the first time I am receiving any notice of a missed payment!! This is unfair and do not agree with this billed. Please help! This is the first time I ever heard of Navient. I was orginally signed with Sallie Mae services and believed my loans were paid in full. This is the first notice I've received about any bills or warning notices. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act XXXX ) XXXX  XXXX XXXX XXXX ) XXXX XXXX ) XXXX XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602. A. Cloarty states that 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
Product: Credit card or prepaid card

A hard inquiry was submitted on my XXXX credit report BARCLAYS BANK DELAWARE requested X/XX/2017 with my home address. I called the business talked to a representative I gave her my name and my last four digits of my ss # and she said she could n't find it with that information that she would need my full ss # at this point I was afraid to give that much information. I have not applied for any loan or credit card and am unaware of this particular bank or business. This is a fraudulent inquiry that I have not requested.
Product: Debt collection

I have never received any letter from Nationwide Recovery Service stating that I have a medical debt. They have never called me. They have never emailed me. My doctor 's office has never called me regarding a bill not being paid. I absolutely DO NOT have a contract with Nationwide Recovery Service. I have asked for verification of contract and I have not received any response at all. I am disputing this debt to the fullest extent of the law. They have also added it in my credit report and are causing all 3 of my credit reports to go down significantly. This is a violation of the fair credit report act and HIPAA law.
Product: Credit card

charges appeared on my credit card that I did not make. I called the credit card company and they issued credit. then the credit card company denied credit and re-charged me. 

the credit card company is stating I made these charges myself face to face with the retailer. This is not true. I did not make any charges with this said retailer. At this point I do not know even the name of the retailer. 

credit card company cancelled my account and re-issued me a new credit card with a new account number. 

on the new credit card charges from the same retailer are appearing on my account that i did not make. the credit card company is again saying I made the charges face to face ( in person ) I did not and have not made these charges. Still do not know the name of the company or location or contact information for this company. I have no receipt as I did not make the purchase. 

My credit card is with Chase Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have made several attempts to resolve this blatant defamation and violation of the FCRA by reporting and continue to accuse me of being responsible for this account. 
I have made my final attempt to resolve this fraudulent account by mail in XX/XX/2023 and till this date has not been properly investigated and removed from my credit. 
I spoke with XXXX in the CEO member relations Dept. office on XX/XX/XXXX whom indicated that I would be getting a call back with in 48hrs which hasn't happened yet, but I did received an email from XXXX XXXX the XXXXXXXX XXXX XXXXXXXX with an extension number of XXXX and have made several attempts to contact her and leave several VM but never received 1 call back. 

This account is a fraudulent account reporting on my credit as accurate and I have filed a police report as well, there was a suspect by the name of XXXX XXXX whom defrauded me and was arrested and has already pled guilty and convicted. 

I sent via priority mail the minute order by the courts along with the district attorney 's business card to verify the fraud and my claim. I also sent a copy of the police report by mail which should have properly relieved me from the debt due to identity theft all to which USAA has failed to properly investigate. 

This is my final attempt to resolve this debt amicably prior to seeking legal damages for neglect and defamation. 
Attached to this complaint I will be resending the exact same documents that I previously submitted via priority mail and hope that it lands in the hands of someone competent enough to properly investigate this fraudulent charged off debt and have it removed, as I was instructed to do so by the Dept. of Banking and Finance State Bank Regulators and National Association of Attorney General 's office.