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

TO DATE IS XX/XX/XXXX MY NAME IS XXXX, XXXX I AM FILING A COMPLAINT AGAINST EXPERIAN INFORMATION SOLUTIONS , INC. and XXXX XXXX, BOTH COMPANIES failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of my consumer report consumer reports as defined in 15 U.S.C. 1681a ( d ), and consequently reported inaccurate information about me causing me irreparable harm. 
I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681o This account dont belong on my consumer file and must be deleted immediately XXXX XXXX XXXX  XXXX Date opened XX/XX/XXXX Consumer reports under 15 U.S.C . 1681a ( d ) include both credit file disclosures obtained directly by me from the consumer reporting agencies and consumer reports obtained by third parties as a factor in establishing my eligibility for credit. 
Experian negligent, willfully continued to report the inaccurate information even after dispute notices under the FCRA absent notices of dispute about the accuracy of this account and I have notified Experian of an error and requested a re-investigation which never happen. 
Despite various disputes I had submitted to Experian company willfully ignored all my attempts to correct the misleading information, that resulting in the denial of various loans. 
Which cause me irreparable harm, emotional and financial stress to me. 
Experian unreasonable policies and procedures routinely report inaccurate and materially misleading information about consumer file including this account with XXXX XXXX XXXX  that have been discharged from identity theft and has no permissible purpose. 
Rather than follow reasonable procedures to assure maximum possible accuracy, as required by the FCRA, Experian frequently reported information regarding debts based on information they know is incomplete or inaccurate. 

Remove this account from my file XXXX XXXXXXXX XXXX XXXXXXXX Date XXXX ( ( please see attachments ) )
Product: Debt collection

I received a mail from a debt collector called Windham Professional ( Phone Number XXXX ). The mail says I had an unpaid debt with another company called XXXX. Which I have never used.
Product: Debt collection

PayPal account is charging me {$250.00} for an amount I did not authorize. I was hacked and charged on my card and I reported all of it, then I closed my account because they kept charging. This is another amount I did not authorize. # XXXX reference # XXXX please help with this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting a proper consumer investigation on the account listed below. In accordance with the fair credit reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681XXXX 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 that a consumer reporting agency can not furnish an account without my written instructions. Please show me in writing and signature where I have given this company written permission to furnish my information. 15 U.S.C section 1681 i ( a ) also states if you can not provide proof of accuracy, all listed accounts must be deleted if they are not 100 % accurate and correct. This is illegal and a serious legal matter. After speaking with my lawyer, they notified me that you have 30 days to present the proof or delete accounts listed. I have included a copy of my driver 's license and social security card for identification purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : 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 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

I requested check disbursement of my own money from Optum Bank. I called multiple times to verify when and where the check would be dispersed and to verify address. On XXXX separate occasions they verified that the check was sent to my address. I called again once XXXX days passed and the new agent verified that the check was sent to wrong address. I called XXXX more times was promised that I would speak with supervisor and receive email as escalation. I was also informed that now it would take XXXX to XXXX business names to cancel check and have direct deposited to my linked account. I can not or should not have to wait. This has been dragged out now XXXX business days to receive my own money. I need the funds for medical reasons and I have been pushed around and never had follow through for resolution
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent dispute in they said that the information on the account was correct.
Product: Credit reporting or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal to comply with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they fail to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned about : XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I didnt authorize anyone to share my personal medical information. This is against the HIPPA law.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : 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 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 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Some recent identity theft has caused me to look deeper into my credit report. I have attached a screen shot of fraud alerts on all 3 credit bureaus. During this process I have noticed several inquires I do not recognized and are UNAUTHORIZED. One of them being by XXXX marked XX/XX/XXXX on my Transunion report. I tried to contact XXXX directly through certified mail on XX/XX/XXXX. The letter was mailed to the mailing address listed on my credit report was returned to sender, thus have no other means to contact XXXX. I have attached the certified receipt. I do not recall giving anyone at your company permission to pull my credit. I have not applied for credit with your company. Please respond and include a copy of the application with my signature giving you permission to pull my credit, as per the FCRA. The application must state that I agree to give your company permission to pull my credit report. If you do not have an application with my name and signature on file, you are required by law to immediately contact the credit bureaus and remove the hard inquiry from my credit file. If you argue that the approval was given over the phone, then I expect a print out of the full details of the conversation be sent to me, as well. If you argue permission was given through an other company I expect you to provide documentation of that too. I have attached a FTC advisory opinion as to what is considered permissible purpose and what is considered " written instructions '' that are required by the FCRA. I request you provide documentation to meet this criteria. https : //www.ftc.govXXXX
Product: Debt collection

On XX/XX/XXXX a rule was established to remove medical debts from all credit reports. These debts are still being reported and are negatively impacting my score. Please remove them
Product: Debt collection

According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. The items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I have contacted the Federal Trade Commission and filed a police report. I am demanding that you remove all inaccurate accounts from my credit profile in the next five ( 5 ) days or I will have no other recourse but to file an injunction against your agency under 617a1 which makes you financially liable for each inaccurate account. Also, under 616 Section A liability for willful non-compliance, your agency has yet to respond to my questions and statements of the Law.

AFFIDAVITS OF LAW 1. Are you the original creditor? 
XXXX. Have you given the debtor the opportunity to review the original contract?

3. Have you validated the home address for the debtor?

4. Have you complied with all FRCA, FDCP and FDCPA laws?

5. Have you reported to the consumer who has reviewed the original contract information with his/her original signature?

6. Have you provided the names of all creditors that have provided the names and addresses of the person who has reviewed consumer relations? 

Accounts : XXXX XXXX XXXX XXXX Collections XXXX If the above has not been completed, please Delete these accounts and hard inquiries from my credit report and stop all contact with me. Under the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me regarding the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your company management. I also have the right to file suit against you for any future violations of this law. 

I have attached a copy of a police report and FTC Report
Product: Credit card

The credit card company refuses to request written proof from the merchant, showing that I allowed them to charge my credit card a second time for {$2800.00} and a third time for {$400.00}. Their argument is that I provided my credit card number over the phone on XX/XX/23, ONLY allowing them to charge {$3700.00}.
Product: Mortgage

Hello, My mortgage loan is with Flagstar Bank. In XX/XX/2020 they offered payment relief due to Covid-19. I was out of a job because of the pandemic so I applied for it and was approved for 6 months forbearance, my next mortgage payment would be due on XX/XX/2020. I few days ago on XX/XX/2020 I received a letter from flagstaff saying that I am in delinquent status and owe over {$8000.00}. I also was notified that my credit score had gone down due to this. When I originally applied for forbearance flagstar told me that not only is my payment not due until XXXX, this wont be reported to credit bureaus. Everything they told me was a lie.
Product: Credit card or prepaid card

called and closed account XXXX XXXX to date account is still active and XXXX mastercard will not send me a monthly ststement.
Product: Debt or credit management

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX [ Date ] Experian, XXXX, and XXXX Subject : Formal Dispute of Inaccurate Information on My Credit Report To Whom It May Concern, My name is XXXX XXXX, and I am writing to dispute inaccuracies on my credit report. Upon reviewing my file, I noticed several errors related to accounts that require immediate correction. These inaccuracies are negatively affecting my credit profile, and I am requesting a formal investigation under the Fair Credit Reporting Act ( FCRA ).

I have previously filed disputes regarding inaccuracies on my credit report. While one account was successfully removed, the remaining accounts remain unresolved. In addition, debt collectors have continued to contact me regarding debts I believe are inaccurate and do not belong to me. 

The accounts I am disputing are as follows : XXXX. XXXX XXXX ( Account XXXX XXXXXXXX ) The reported balance of {$230.00} is inaccurate and does not belong to me. 
XXXX. XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) The reported balance of {$8400.00} is incorrect, and I dispute ownership of this account. 
XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) The balance of {$910.00} is inaccurate, and this account is not valid. 
XXXX XXXX ( Account XXXX XXXXXXXX ) The reported balance of {$1100.00} is incorrect, and I dispute this entry. 
XXXX XXXX XXXX XXXX XXXX ( Account XXXX XXXX ) This account is closed, yet it is reporting a balance of {$270.00}. Please investigate and remove any inaccuracies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) This closed account is still reporting a balance of {$690.00}. This information is inaccurate and needs to be corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) The reported balance of {$19.00} is incorrect and requires review. 
XXXX. XXXX XXXX XXXX ( Account XXXX XXXXXXXX ) This account is listed as an auto loan with a balance of {$9500.00}. However, this loan is false. The institution lied at the point of sale, providing misleading information and presenting documents I did not see at the time of signing. These documents include clauses that were never disclosed to me. This account has been disputed more than three times without resolution. I expect the immediate removal of this loan from my credit report, as it has been fraudulently reported. 

I have attached the following documents to support my dispute : A copy of my credit report with the disputed accounts highlighted. 
Documentation proving that the above-listed accounts do not belong to me or contain inaccuracies. 
A copy of my government-issued ID and proof of address for verification. 

I request that you investigate these accounts, correct any errors, and provide me with a written response and updated credit report reflecting the corrections. Please complete this investigation within the 30-day period allowed under the FCRA.

Should you need any further information or documentation to resolve this matter, do not hesitate to contact me at XXXX or XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2022 I rented a vehicle from XXXX XXXX XXXX XXXX. After 12 days I still needed the car, so my boyfriend went down to XXXX to extend the rentals. F.Y.I. when I rented the vehicle I was charged a deposit. Now, my boyfriend gave them my credit card and they were to charge XXXX XXXX but they accidentally charged XXXX XXXX I have text messages between me and them. They are apologizing in the messages saying they'll return the money, but my problem I'm taking up with you is not between me and XXXX, but between me and my bank. When I first rented the vehicle I bought all insurances possible -- I had to as I was taking the vehicle from XXXX  to the United States. In the meantime I had a car accident, but my full coverage insurance was to pay that. After the accident they refused to pay me back for their XXXX $ accident on my credit card. They said they wanted to see the vehicle first, but I had already put up the deposit apon renting the vehicle and I purchased full coverage insurance. They refused to give me back my money but XXXX $ saying it's due to the accident and I did not take care of the vehicle because I wrecked it. That's what the full coverage insurance was for ; I thought -- in case of accident. I put in a dispute with my bank Etrade. They never sent me anything in writing about the dispute within 30 days of receiving the dispute. The only way I knew they were doing the dispute was because someone from Etrade did call me and ask me to upload all documentation I had. In the beginning of XXXX I still did not know the results of the dispute. To this day I still have not received in writing the outcome of the dispute. The only reason I know that I'm not getting my money back is because in the beginning of XXXX, XXXX to 5 months after I started the dispute I called in to ask what was going on with it. Then I was told that I would not be getting a refund because the car rental company was keeping my money due to negligence. In the middle of XXXX, I, too called Etrade  to find out results of the dispute and at that time they did not have a decision yet. I was under the impression that a bank only had 3o, 45 days maximum to finish a dispute before they have to award you. As you can see. To this day I still have not received written notification on the outcome of the dispute. Also, my bank, who I thought would be on my side just takes the answer neglegence as a correct reason to not pay me back what was accidentally taken out of my account. Etrade did not even notify me asking for a reply to negligence. If so I would have stated that they are saying that due to the fact I accidentally wrecked their vehicle, but I had full coverage insurance to cover it. Not only did Etrade, my bank, not give me a chance to reply and not reimburse me my money based on one word XXXX XXXX XXXX  says, but Etrade  went way beyond their 3o, 45 day max time limit they had on finishing a dispute before a party is to be reimbursed. Also, they did not notify me within 30 days of opening the dispute like the law requires, too.
Product: Debt collection

LVNV FUNDING LLC Opened XX/XX/2019 Original Creditor Name : XXXX XXXX  XXXX XXXX  XXXX XXXX  Balance : {$3900.00} Requested affidavit in XXXX but did not receive. Received an affidavit in XX/XX/2019, submitted notarized. Followed up to notify that affidavit was mailed. 

Called to follow up, told it was handled by a different company and they would not know the outcome but it would be within 30 days. 

Called a few days ago, confirmed that the information provided previously was not accurate, they never did receive affidavit and threaten to report me to credit agencies.
Product: Debt collection

No one has never contacted me about the bill. I did not know about any bill my ex wife maxed the credit card without my knowledge. I was homeless and had no where to live. I never knew about no bill because I did not make the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached a fraudulent collection and fraudulent inquiries that I did not authorize please delete
Product: Checking or savings account

Pressured to open additional accounts when I didn't need them
Product: Credit reporting or other personal consumer reports

Upon checking my credit report i see XXXX addresses that i am unfamiliar with XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to apply for a business Credit card and I was denied due to having too many hard inquiries on my credit report. Checking my credit report I noticed I didn't apply for these tradelines that are listed below. 

XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Mortgage

Made {$2500.00} payment with all extra to be applied to principal. Normal payment is approximately {$650.00}. This is 6th time time in the last year BMO Harris Bank has NOT applied extra principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Financial Protection Bureau. Complaint # XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying the problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Attorney General of Arizona and the Illinois and Arizona Division of Financial Institutions.