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

I suffered an identity theft after my wallet was stolen. I received my credit report from Clarity Services and found a lot of inquires that were not authorized by me and were made without my knowledge or approval. All of the inquires from XXXX XXXX XXXXXX/XX/year> were not authorized by me and were done without my knowledge or approval. I filed a police report and have attached it here.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contact one of my credit card ( XXXX/XXXX  XXXX ) to request a credit line increase. I was informed there was a freeze on my equifax account. As I had previously created a on-line account I attempted to log into my online account. System alerted me to change password which I did and received a confirmation it was changed. Their site still denied my access so I called customer support on XX/XX/XXXX. I was informed their system was " down '' and to try again. I tried and still could not access my account. On XX/XX/XXXX I attempted to log in/change password and received message to call customer service. I called and spoke to a " XXXX '' who informed me my account wasn't completely set up/was placed on hold then sent a email to which was suppose to have a temp. password to reset my last used password. No temporary code was sent/verification of last 4 of my Social Security and date of birth was asked/answer and received a confirmation that the password was successfully changed. I attempted to log in and received the same error message, call customer service which I did. I spoke to the same " XXXX '' who alerted me there were " technical issues '' with my account and to wait 5 - 7 days and try again. I feel I am getting the run-around with equifax.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I have reviewed my XXXX XXXX and noticed that there were inaccurate accounts listed on my credit report. 

ACCOUNT NAME : XXXX ACCT # XXXX & XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX along with all 3 Credit bureaus on the same date ( see attached letters ) and asked them to investigate and remove the inaccurate accounts from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and this disputed item may not appear on my credit report if it can't be verified and validated by evidence of proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( Equifax, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX Balance {$37000.00} XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint to EQUIFAX regarding the reported data on my credit file that is not certifiably compliant and proven valid and/or not documented as fully true and physically verified. My name is XXXX XXXX XXXX, and my address is XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, GA XXXX. My date of birth is XXXX, and the last 4 digits of my social security number are XXXX. The FTC report number associated with this complaint is XXXX have identified likely mendacious and certainly unproven complaint-reported inquiries on my credit file that has no permissible or authorization made by my person of free will. As a consumer, I am within my federal and state consumer and/or civil rights to demand and/or compel you to have them removed as soon as possible. I am filing this consumer complaint and consumer check for compliance of these particular items that you are reporting under FACTA Title 1 sec. 151 that unambiguously obliges a recounted of the modus. This is a formal dispute of information and reporting.
Product: Money transfer, virtual currency, or money service

Ref number : XXXX This is a continuation of a previously reported problem. I heard from Western Union a couple of days after I lodged the previous complaint, and they have given the same answer as the previous ones. In brief they are asking me to get confidential company bank statements but the company claimed that this request is unethical. Nevertheless I have provided written proofs of denial of receipt from both the receiver company director and the bank. On the other hand, WU has not yet shown me proof that they have had a dialogue with the bank and the bank provided a written document either denying receipt, or confirming it ( as WU claimed ). Here is what I wrote to WU minutes ago : Re : case number is XXXX Dear XXXXXXXX XXXX., Western Union Executive Resolution Your resolution team is asking me to go through the same circle again and again. You have asked me to get the bank statements from the receiver of the transfer. I have written several times that I have asked that but have been told that this is an unethical request, and the private company information can not be shared that way. I respect that. The director of the company is a personal friend and I fully trust him. That leaves the bank itself, with whom I have not dealt with ; WU has. Nevertheless I did ask the local bank and then again complained to the CEO of the bank. Both times I was categorically told that this money did not reach the bank. Additionally, they told me that this transfer can not take place for lack of some arrangement with WU. 

So, I have shared with you written proofs from the receiver and the bank that they denied receiving the money. I have done my part. BUT, beyond sending me your own document that the money was delivered ( again and again ), you have not shown any attempt of reaching out to the bank and get from them an acknowledgement that they either accept or deny your claim of confirmed delivery. You are in a position of doing so, but so far months have gone by, you are giving me the same answer again and again. I wonder if you are reading my depositions at all!! 

Sincerely XXXX XXXX
Product: Debt collection

I am writing this report in regards to onemain financial I work overnights and they will repeatedly call me throughout the day, any time I answer I tell them I am trying to sleep and that I can't talk right now. Since XX/XX/XXXX they have called me 15 times and I am filing this report on XX/XX/XXXX. I also had never verified my identity with them and they told me several times that it was a debt collection call. If I didn't answer the phone call they would immediately call me right back sometimes. When I asked them to cancel the automatic payments on my account they told me that they can't do that since the account was past due. I proceeded to inform the caller how many times they've called me in the past 4 days. I also informed them that they told me several times that this was a debt collection attempt without ever verifying my identity to which the caller responded with " why does that matter? '' I told the caller that I would be filing a report with the CFBP and hung up. They then called back to try and continue debt collection and what they could do to assist me, I told him once again to cancel the auto payment and he then told me that it was done already, I then provided a timeframe that would be okay to call me in and I was told that the timeframe wasn't acceptable and that they needed a larger timeframe. If they call again outside of the timeframe provided I will be filing a report again.
Product: Checking or savings account

This is in reference to dispute case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was unaware my XXXX and XXXX were stolen until reviewing a notification from Wells Fargo saying I was overdrawn on XX/XX/. I disputed the transactions. XXXX Wells Fargo denied the claim citing no evidence of fraud. I did not have my card. I ordered on line from merchants that already had my card information stored to have good delivered to my XXXX visiting for the weekend in my home. These transactions were all made in person including an atm withdrawal. Whoever had my XXXX had to have gotten my pin from my notes in my XXXX. I have my XXXX password/pin written down and I used the same pin for just about everything. They had to have viewed the pin. This is going to cause me great hardship and I thought I was protected. All the items on the screen shot are fraudulent except the XXXX XXXX XXXX XXXX and XXXX XXXX which were pre authorized ACH debits.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion inquiries : XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XX/XX/XXXX XXXX  XXXX  Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In summary, I have been experiencing issues with a consumer reporting agency, specifically EXPERIANXXXX XXXX The initial notice was sent to the companies on XX/XX/XXXX, and despite allowing ample time for investigation, the issues persisted. On XX/XX/XXXX, I obtained all copies of my consumer reports, revealing numerous inaccuracies in negative accounts. 

These inaccuracies have adversely affected my ability to obtain credit, leading to high-interest rates on loans due to unauthorized reports. I have faced financial exploitation, as these companies have been compiling information on me without my consent since my legal age of XXXX, creating a forced non-consensual bond over the last XXXX XXXX. My information is being trafficked and transferred without lawful consent. These Companies are committing Criminal coercion. 

The company has failed to respect the Privacy Act of XXXX, claiming not to be required to follow it, and disregarding my consumer rights. They have consistently opened reports in my name without written consent or a request for such release of information. The situation has eroded my trust in the banking system, resulting in rejections for credit cards and loans essential for my transportation needs and living situations. when I called the companies the more information they have added without my consent and random addresses they have added to my report they are causing massive detriment upon my likeness. They're bidnign me to involuntary servitude. Where they won't respect my LAWFUL right to my personal right to privacy of information and know I NEVER GAVE WRITTEN CONSENT.
Product: Credit card

I paid off my Caesars credit card, through comenity bank, in full on XXXX XXXX, 2023. As I was paying the card off online, I noticed that my card was registered to an old email account that I no longer have access to. I successfully changed my email address on their site, not knowing that this would raise a security concern and would suspend my account. On XX/XX/XXXX, I attempted to use the card again for the first time, and it was declined. I was never informed or emailed that my account had been suspended due to a security concern. I called comenity bank first thing Monday morning on XX/XX/XXXX. The individual that I spoke to, had me verify several personal aspects of information including my email and phone number. I informed him that I recently changed my email because I no longer had access to the one that was originally listed on the account. After a short hold, he informed me that Comenity bank was in the process of reviewing my account and that I would receive a letter in a few days regarding the security issue. On Friday, XXXX the XXXX, I had still not received any further communication from Comenity bank, I called them again. This time I spoke with a lady who informed me that a letter was sent out, requesting that I submit a photo of my driver 's license, ss card, and utility bill. She told me that rather than wait for the letter ( which she felt I should have already received ) I should simply send the info to the email address which she would provide me. I was informed that once this information was reviewed then my account would be returned to normal. Although I was hesitant to send sensitive information through email, I complied with the request. On Saturday, XX/XX/XXXX, I received a letter from Comenity informing me that my account had been suspended due to a security concern ( the first time I had been informed through writing ), and that I needed to contact them within 30 days of receiving the letter or my account would be terminated. On Monday, XX/XX/XXXX, I called Comenity who informed me that my account had been closed. When I inquired to the reason, I was informed that the information that I sent to them was not approved. I requested to know why ( after all it was my actual driver 's license, ss card, and utility bill ). They informed me that they would not release that information and that I could send the items again if I so desired. I informed them of the recent letter that I received, telling me that I had 30 days to contact them, they stated that because I submitted my information via email then the 30 day period was no longer valid. I finally concluded the call mentally exhausted from the back and forth. The following day, XX/XX/XXXX, I received a letter in the mail which requested the personal forms which I had already submitted ( driver 's license, SS card, and utility bill ). On the back of this letter, it stated that all items must be sent via pdf or they would not be accepted ( I was not aware of this previously ). I resubmitted the forms on Tuesday, XX/XX/XXXX in a pdf format. My account is still closed, and I have not received any communication from Comenity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been monitoring my credit score and my credit reports because I wan na buy a house, well on XX/XX/XXXX I received an email alert that my Trans Union Credit score dropped 20 points, all my accounts are up to date, all my accounts are paid on time even before they are due I made a car payment 2 weeks in advance and within a week my Trans Union score had dropped. I called them and they said they would initiate a refresh well that only brought it up 2 points. I am trying and hoping to buy a home next year and have been diligently working on this. My XXXX and XXXX are in line with each other, my Trans Union was always behind 20 points and now it's 40 points behind. This is not right for a company to weld so much power over your life and future and not take responsibility for their error or computer glitch or something. 
If this has happened to me how many other people have had the same experience with them. 
Please help.
Product: Credit reporting or other personal consumer reports

As of this date I have pulled all financial power of attorney from LVNV ( creditor ) with my attached POWER OF ATTORNEY REVOCATION Form attached that was recognized Signed & Notarized by XXXX XXXX for the state of XXXX As the principal of this account I have signed and do now pull all Power Of Attorney From LVNV ( Creditor ). This account is now closed to creditor. 

This Alleged Creditor Has Never Once Provided : 1. Chain Of Assignment Or Change Of Assignment 2. Date Of First Delinquency 3. Date Of Late Payment!

4. Or Proof Of Ownership Of This Alleged Debt
Product: Vehicle loan or lease

XXXXXXXX XXXX has confirmed that there was violation by dealership in my transaction. Please see attached. 

I would like to have the following info 1 ) Copy of loan request with date and time stamp when my loan application was submitted to XXXX XXXX XXXX XXXX XXXX ) Copy of Credit Report/score submitted or details submitted to get credit score and credit score on my loan application.

3 ) Who decides the rate of interest? Is it AHFC or dealer? 

4 ) What was the promotion offered from Honda at that time for this vehicle and was the promotional rate offered to XXXX on this vehicle purchase and if not, why? 

5 ) How many consumers have availed the promotional rate, what is that rate and what was that credit score, please provide a list without naming customers or sharing PII. 

6 ) Why should I not take action against AFHC to revoke its license on wrongdoing?
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request immediate intervention due to serious violations of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and Truth in Lending Act ( TILA ) by EQUIFAX. Despite previous requests for correction, these violations continue to negatively impact my credit report and financial standing. 
Details of the Complaint : 1. Failure to Ensure Maximum Possible Accuracy The FCRA requires that credit bureaus and creditors ensure the accuracy of the information they report. My credit report contains inaccurate entries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. that remain unverified despite formal disputes, causing significant harm to my credit score and credibility. Previous attempts to address these inaccuracies have been inadequately handled, demonstrating a failure to uphold FCRA standards for accuracy. 
2. Inadequate Investigation and Reliance on Automated Verification Systems Under FCRA, 15 U.S.C. 1681i ( a ) ( 7 ) and 1681s-2, creditors and credit bureaus must conduct thorough investigations of disputed information. However, my previous disputes have been met with automated responses through systems like e-OSCAR, which fail to meet legal requirements for a complete investigation. This approach neglects a comprehensive review of the disputed entries, perpetuating inaccurate information on my report. 
3. Non-Compliance with Truth in Lending Act ( TILA ) Requirements As outlined in TILA, creditors must issue clear and accurate billing statements and disclose essential account information to consumers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has not adhered to TILA requirements in handling my account, resulting in erroneous charges and inaccurate reporting. This failure to comply with TILA has compounded the inaccuracies on my credit report, further violating my rights as a consumer. 
4. Violation of FDCPA Standards for Accuracy and Non-Deceptive Practices The FDCPA mandates that debt collectors and furnishers of information must report accurate, verifiable data. The accounts in question have been repeatedly reported inaccurately, with misleading information that has not been corrected despite my disputes, constituting a violation of FDCPA protections.
Product: Debt collection

In XXXX of 2021, my dad, brother and I moved out of a rental property, managed by XXXX XXXX XXXX. Upon leaving, we received charges of over {$3000.00} and they kept our {$1700.00} security deposit, while billing us for the rest. While occupying the house, we had read how criminal this company treats its tenants so we knew to prepare for this. We cleaned, painted, had the carpets professionally cleaned, and did everything the lease asked us to do. While XXXX stressed that we were able to dispute the charges, they never responded to any of our SEVERAL email attempts or voice mails. This was similar to how they treated us during our lease; wed submit receipts for work done on the house and they didnt reimburse or credit anything. The water, sewer and trash utilities were all paid, and XXXX has not provided any statements or proof otherwise. These utilities were controlled by the companys concierge service so they should have access to our statements. As of XXXX, Genesis Credit Management has been contacting all 3 of us and weeks ago I talked to a gentleman named XXXX. He insisted that Genesis would be able to dispute the charges on our behalf and asked me to email him everything he needed, including receipts. I have reached out since that initial email and have also had no contact from Genesis at this point and as I said, its been weeks.
Product: Mortgage

After I have rejected offers from Mr. Cooper ( Nationstar ) to refinance my mortgage, multiple times, they have now resorted to retaliatory tactics. They refused to process my XXXX payment on XX/XX/18 ( I have evidence that I scheduled the payment and they acknowledged it ). I received an alarming text message on XX/XX/18 indicating that my payment was now late and offered options to pay it. I have NEVER MISSED OR MADE A LATE PAYMENT ON THIS ACCOUNT AS MY CREDIT HISTORY INDICATES! I immediately called Mr. Cooper and spoke with a representative who first said the payment was reversed because the bank account rejected the ACH. I confirmed for her that the bank had not rejected the payment because the funds for more than sufficient to cover the payment. She then said that the note on the account said that the bank account was not valid. I have evidence that this is the same bank account that Mr. Cooper has debited several prior payments fromwithout issue. 
I became irate and told her that this had better not impact my credit because I have done exactly what I was supposed to do and had made my payment on time using the same method as I had done for recent payments. The representative said that it would impact my credit because my payment was now late. She then asked me if there was a homeowners association and if my dues were current because the HOA could foreclose on my home. WHY IS SHE EVEN TALKING TO ME ABOUT FORECLOSURE?! And whos ever heard of an HOA foreclosing on a home?! 
At that point I knew exactly what they were attempting to do. I took actions to thwart their obvious attempt to put me in a position that would allow them to accelerate foreclosure on my home or bully me into refinancing my home with a NLMS who has a reputation and documented history of these types of activities. I posted not only my XXXX payment ( for a 3rd time, from a different bank account-XXXX  ) on XX/XX/18, I also on Monday, XX/XX/18, posted my XXXX payment from my XXXX bank account. That same day, I made an inquiry with XXXX XXXX XXXX XXXX. I asked if the mortgage payment had been declined. The bank representative gave me an activity printout and it did not show that the draft had ever been presented for payment as it had in previous months. I have the printout. 
On yesterday, XX/XX/18, I checked my credit report and Nationstar has indeed flagged my account as delinquent, 30 days past due.