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

XXXX XXXX XXXX XXXX  Under NAMES Experian has listed on their consumer report about me that I have 14 names. The 14 names are displayed with name ID numbers. The description for this section of the report indicates there are three different sources for the listings of the names. each of which may report your personal information differently. This is why there may be variations of your name address, Social Security Number, etc. My personal legal names in my lifetime are listed below. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and approved by the 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 which is current as of XXXX. Does Experian dispute this? Experian has also reported on page 6 on their consumer report about me that SPOUSE OR CO-APPLICANT is XXXXXXXX Why is Experian using information from my former marriage of which I have been divorced since XXXX on their current credit report? Under ADDRESSES Why do the addresses have XXXX Codes and Address Ids? What is the purpose for the use of these codes? Under SOCIAL SECURITY NUMBER VARIATIONS Experian as listed None How would I know if EXPERIAN is using my correct social security number in their Consumer Report about me? There is no numeric indication on this report displayed to me such as last four of the Social Security number which is typical on such document. Why is that omitted from this report? Under FORMER OR CURRENT EMPLOYERS Experian reports that I am self-employed and retired. My former employment history is completely missing from this report. I have paid Social Security and US income tax out of my paychecks from my employers since XXXX. Why is this employer information omitted from EXPERIANs Consumer report? 
In a previous complaint to CFPB, I asked why is EXPERIAN allowing soft inquires during a security freeze from the following companies : ID ME, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX which are credit provider entities providing credit and insurance for people in New York. I did not apply for credit or a loan from any of them after XXXX XXXX so why are they being permitted access into my report? EXPERIAN has repeated " soft inquiries do not impact credit score '' and now " Soft inquiries are usually initiated by others, like companies making promotional offers of credit or your lender conducting periodic reviews of your existing credit accounts. '' I have none of those. EXPERIAN is inaccurate about me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the past few years I 've been disputing an outstanding collection on my credit reports with  XXXX  and equifax. The situation is i purchased a cellphone from  XXXX  through   XXXX   XXXX    XXXX   0f 2014. I  was told there was a 14 day return policy if i did n't like the service. The service was horrible and i returned the device. I was told the account was returned and close as i was switching back to  XXXX . Down the line a receive mail stating I owe  XXXX   XXXX   XXXX  for something that i returned and do not own. I returned to best buy to get a copy of the retiring receipt which i forward to the collection compa ny (   XXXX   XXXX   XXXX  and the  Reporting age ncies ) I would like these accounts removed from my report being that i followed all guidelines of returning the device.
Product: Credit reporting, credit repair services, or other personal consumer reports

After Equifax had deleted and inaccurate late notice from XXXX XXXX XXXX for XXXX Equifax reinstated the inaccurate late notice without give me the required 5 day notice per the FCRA before reinstating the inaccurate late notice.This is a violation of the Fair Credit Reporting Act because Equifax didnt notify me before reinstating the inaccurate late notice.Equifax continue to violate the FCRA with this dispute.
Product: Checking or savings account

On XX/XX/2034, I decided to apply and open a Chase checking account at this specific branch. On today, XX/XX/2024, I went into the branch to discuss opening a credit card and another checking account. While speaking to a branch representative, whose name is XXXX XXXX XXXX, I discovered there was already a fraudulent credit card opened in my name! As well as another checking account. Called in with this rep to the CHASE CREDIT CARD department and was able to get that situation resolved. Further on we discussed me closing the account that I did not open and re numbering my account number. We proceeded with that process. Fast forward, Im out running errands and tried to make a few transactions only for every single transaction action being declined. I decided the call the CHASE CUSTOMER SERVICE to figure out whats going on. Literally after speaking with at least 4-5 different people, excluding the ones I didnt directly talk to, I was told that my account was restricted for 24-48 hours because of the re numbering and/or the balance transfer : I WAS NOT INFORMED THAT THERE WOULD BE A HOLD ON MY ACCOUNT. So I am left without access to my funds. This is not the first nor second time that this specific Chase branch worker has MISINFORMED me on information. First, when I initially opened the account she said she would expedite my card and waive the {$5.00} fee. Didnt get an actually card until 30 days later. Card was never expedited via the Chase call center. Second, she told me the day I set up the account I would be able to use my digital wallet until the new card came. LIE. TOOK A WEEK. I complained on this specific locations XXXX review also filed a complaint by another representative via the Chase call center. She needs to be immediately handled. Its too many incidents of NOT telling the truth with this person. Thats multiple incidents from just ME. She is wrong. I am visiting a branch tomorrow to file a formal complaint as well as a CFCB complaint. Now I have to walk around for 24 hours with no access to funds.
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, XXXX, INNOVIS, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING ACCOUNTS XXXX XXXX XXXX ON MY CONSUMER REPORT. ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from XXXX XXXX WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL 5USC55SA!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Credit reporting or other personal consumer reports

I have disputed this account on several occasions. However it is still reporting as a resolved dispute and verified account. The credit reporting agencies are reporting inaccuracies. This account is a violation of my federally protected consumer rights. I looked on my Experian credit report and noticed some things not accurate. According to the Fair Credit Reporting Act. I have requested verification of information obtain to list alleged account as verified. According to 15 USC1681 s-2 they are suppose to do this. After any information disputed by a consumer the consumer reporting agency shall promptly delete the item of information from the file of the consumer or modify items as appropriate based on results of investigation. No information was provided by agency to verify results of investigation as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : -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 XXXXXXXX { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } XXXX -Untitled { Medical Subject has not satisfied debt., Collection/Chargeoff, Collection } 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 an account without my written instructions. 
"
Product: Credit card

Navy Federal Credit Union is where I received the credit card from. I was declared federal and state XXXX which cause me to be on a fixed income. I fell behind on my payments. This card has XXXX insurance on it. They started garnishing money out of my bank account which cause me to fall behind on my mortgage and other payments. This has also caused me to have fees from other institutions. I do not think this is fair. I am a XXXX percent XXXX veteran that had served her country.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : RISE XX/XX/2016 XX/XX/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1900.00}, {$13000.00}, {$980.00}, {$6000.00}, {$20000.00}, {$14000.00}, {$0.00}, {$12000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX  XXXX XXXX XXXX   N with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1900.00} -This is not my account. 


-- CLOSED ACCOUNTS 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$13000.00} -This is not my account. 

3. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$980.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

6. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$14000.00} -This is not my account. 

7. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNT 8. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$12000.00} -This is not my account.
Product: Debt collection

I continually receive calls attempting to collect a debt from my husband 's ex-wife. I have repeatedly told them that they are contacting the wrong person, and they still call. I am unsure how my number got associated with her because I have had this number for twelve years, and I 've only been married for four.
Product: Mortgage

Applied for a loan mod which my loan is a conv and investor is XXXX XXXX thru XXXX XXXX and was denied. The answer was generic stating the mod payment would go up {$100.00} a month and the felt I could not afford it although I recieved a {$200.00} a month merit increase. I feel the are wrongfully trying to foreclose to get my XXXX  equity.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started disputing inaccuracies on my credit report on XX/XX/2017. I have asked for phone numbers, addresses, names and physical evidence of these debts I allegedly owe. They REFUSE to send me the information, but continuously report this inaccurate information and refuses to send supporting documentation. They will tell me I need to send RELEVANT information. Well, if you are reporting inaccuracies, you should be able to back it up. They won't send me any supporting documentation and basically want me to do THEIR job. I'm not the one reporting inaccurate information on my report. They even stated they VALIDATED a debt, however, the company asked me to send documentation and another one sent a letter stating they would no longer pursue collection against me. Yet the credit bureau stated they VALIDATED the information. How is that possible when the creditor or collection agency couldn't validate it?
Product: Credit reporting, credit repair services, or other personal consumer reports

Informed the credit agencies that I did not sign a contract or open an account with these companies. I assured them that I have not benefited in any type of way from the accounts. I sent all three certified mail letters stating the 605b, fraud, a police report stating such incident, and an affidavit reporting all this. When I originally reported these accounts as fraudulent the credit agencies said that had to file a police report before they would remove these accounts. So I followed their rules and did but was told they would only remove the information if the creditors decided to do so. I informed them that I am stuck in a never ending cycle because I am telling you this information is inaccurate but you will believe the creditor over the consumer. Transunion conversation of XX/XX/2022 is file number [ XXXX ] which should have been recorded. I was told it was nothing they could do unless the creditor decided to remove it. I feel like my rights are being violated under U.S.C. 15 1681 ( c ) -2 and 1681 ( e ) and I am trying to resolve this manner in the policy they asked of me but still no resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have provided evidence regarding identity theft on my credit report to both a credit bureau ( Experian ) and the lender ( XXXX XXXX ) however the lender claims that the identity theft dispute is a " civil '' matter and Experian will not conduct an independent investigation, all they are doing is simply asking the lender to confirm the validity of the account balance, which the lender insists is valid. The identity theft that I am describing was perpetrated by my father, who would apply for credit cards using my identity for his own personal gain. He would make mandatory minimum payments on the cards without any intention of paying them off. After he died in XX/XX/XXXX, payments ceased, and it adversely affected my credit score. Evidence I have provided to support my claim of identity theft is as follows : 1. Police Report with the XXXX XXXX County Sheriff 's Office naming my father as the perpetrator and discussing the case matter 2. Letter from XXXX XXXX stating that a bank account in my name which was used to make payments on the XXXX XXXX credit card was not created by me, instead was created by my father when I was a minor. 
3. XXXX XXXX statement showing a {$13000.00} payment processed at a business controlled by my father 4. Articles of Incorporation showing the business was controlled by my father. 
I have contacted XXXX XXXX repeatedly regarding the matter. They have either ignored my evidence that I presented to them by email on XX/XX/XXXX and XX/XX/XXXX, or they have simply stated that the matter is a civil one between my father and I. I have asked them to produce a copy of the original credit application and they have not honored my request.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3credit Bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} XXXXXXXX XXXX  XXXX XXXX Balance : {$0.00}
Product: Payday loan, title loan, personal loan, or advance loan

[ XXXX XXXX ] [ XXXX XXXX XXXX XXXX unit XXXX ] [ XXXX, Ga, XXXX ] [ XXXX ] [ XXXX ] [ XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  [ XXXX XXXX XXXX ] [ XXXX, SC, XXXX ] Subject : Notice of Violation of FCRA, FDCPA, and TILA Demand for Compensation or Intent to Litigate Dear [ WORLD CORPORATIONS ], I am writing to formally notify you of multiple violations of federal laws, including the Fair Credit Reporting Act ( FCRA ), the Fair Debt Collection Practices Act ( FDCPA ), and the Truth in Lending Act ( TILA ). Specifically, this notice concerns the improper addition of a deferment charge with code XXXX to my account, which was a closed-end loan subjected to a charge-off. 

XXXX XXXX XXXX  Background - **Alleged Account Number : ** [ XXXX ] - **Initial Charge-Off Amount : ** {$180.00} - **Maximum Cap : ** {$240.00} - **Accrued Amount Due to Monthly Additions : ** {$290.00} - **Deferment Code : ** XXXX XXXX XXXX XXXX Specific Violations XXXX. XXXX XXXX XXXX XXXX ( FCRA ) Violation : ** - Reference : 15 U.S.C. 1681 - The inaccurate reporting of charges related to the deferment code 0218 is a failure to meet FCRA standards for accuracy.

2. **Fair Debt Collection Practices Act ( FDCPA ) Violation : ** - Reference : 15 U.S.C. 1692 - Charging additional fees without proper validation and communication violates FDCPA guidelines.

3. **Truth in Lending Act ( TILA ) Violation : ** - Reference : 15 U.S.C. 1601 - Imposing charges contrary to those disclosed at the initiation of the loan violates XXXX 's provisions. 


# # # Demand for Compensation # Compensation Calculation GIVEN THE SCOPE OF THESE VIOLATIONS AS FOLLOWS : FOR A PERIOD OF 81 months, I am seeking compensation calculated as follows : **STATUTORY DAMAGES : XXXX per violation, per month XXXX VIOLATIONS : XXXX -**MONTHS : XXXX -TOTAL : XXXX { XXXX violations x XXXX XXXX } **EMOTIONAL DISTRESS DAMAGES : {$5000.00} -DAMAGES FOR CREDITWORTHINESS IMPACT : {$3500.00} -COMPENSATION FOR TIME SPENT ON RESOLUTION : XXXX -GRAND TOTAL COMPENSATION DEMANDED : XXXX I demand an immediate correction of the account details, the removal of all unlawful charges, and compensation for any resultant damages caused by these violations. If the matter is not resolved within 30 days, I XXXX pursue legal action to assert my rights under the aforementioned laws. 

# # # Conclusion This letter serves as a final notification to rectify these violations. Failure to respond satisfactorily within the given timeframe will necessitate initiating litigation to seek relief, including potential punitive damages. 

I look forward to your prompt attention to this matter. 

Sincerely, [ XXXX XXXX XXXX ] ---
Product: Credit reporting

My account was hacked XX/XX/XXXX. I called all the credit reporting agencies to put a freeze on my account. I found a credit inquiry by XXXX was made on XX/XX/2016. I called and was promised the inquiry would b removed within 20 days. Well now it 's almost two months and the inquiry still show up. I would like it removed asap. 
Thanks,
Product: Mortgage

Specialized Loan Servicing LLC is threatening to foreclose on my property and reported it on my credit report. The alleged debt was transferred to Specialized Loan Servicing LLC by XXXX XXXX XXXX. While Specialized Loan Servicing LLC filed pre-foreclosure proceedings on me, XXXX XXXX XXXXXXXX XXXX XXXX is now the new name for Specialized Loan Servicing LLC . XXXX XXXX XXXX Mortgage Servicing is licensed as a debt collector in New York and is the servicer for XXXX XXXX which is not the original creditor but purchase the alleged debt. The original creditors XXXX XXXX XXXX XXXX XXXX, has charged off the debt as well as XXXX XXXX and since the debt has been charged-off it's considered income and income must be removed from my credit report according to the IRS.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove any items that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
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: Vehicle loan or lease

I have automatic payments that comes out my bank account every Friday since XX/XX/XXXX until XX/XX/XXXX when the loan was supposed to be over. The following week they stole my car out my driveway after i contacted them about my title. I have been calling and no one will help me get my car back. I dont know where to turn. I just paid {$7000.00} on an engine and new tires after the XXXX dealer kept the car for a year so I really did not get to to even have the car after paying for three and a half years. The car company sent me an invoice saying I owe them {$9000.00} to get the car back a week away but now it has been sold at an auction. I dont understand how sensible auto could take a car I paid in full for. Please help me!