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

My name on the account is XXXX XXXX XXXX and I am trying to cancel my Experian account. I have tried every avenue - all phone numbers. The phone is answered by automated message that ask your name and social security and then Im transferred to a line that continues to give you propaganda about their services and after many attempts to various phone numbers no one ever picks up. I need to cancel this service as I can not afford to continue with the monthly fees. 

I feel this must be illegal and fraudulent. What kind of country do we live in that an agency who reports our credit history is inflicting a fraud on the same people they report on. Reports that effect the quality of lives of Americans all over this country. 

I hope you can help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX whom resides at XXXX XXXX XXXX XXXX is a victim of Aggravated Identity theft and is being violated by these companies as a consumer and has reached out to these companies XXXX times stating law 605B.15 U.S.C. 1681c-2 BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT. Here are the USPS XXXX # numbers for each letter sent : Experian : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I bought a new construction home in XXXX XXXX XXXX  XX/XX/XXXX. When the XXXX, property tax for the home was applied, I was in arrears of {$2600.00}. I understand that I owe Lakeview Loan Servicing , LLC that money as they paid the tax. However, my dispute is the cushion they applied to my balance. They applied {$2700.00} which brought up my balance to {$5300.00}. Marked you, my escrow also went up from {$310.00} to {$610.00}. So now the total increase in my mortgage payment is from {$1300.00} to {$1800.00} because I took the XXXX payment plan to pay off the {$5300.00}. 
I have an issue with the cushion, I understand that Federal Law states there needs to be a cushion but from my reading, it states XXXX escrow. {$2700.00} is much more than 2 months ' escrow and even worse when I spoke to a representative yesterday, XX/XX/XXXX, she told me that the Federal Law states that the cushion is {$2300.00}. XXXX I get some help in this matter, please? I am having a hard time making this monthly payment. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

When I went to the dealership to look for a car i was told the dealership would pull my credit REPORT one time. I looked a my credit report it has numerous inquiries on my report. these inquiries were not authorize. This is causing tremendous damage to my report. I attached my report from the FEDERAL TRADE COMMISION. PLEASE REMOVE PROMPTLY MY RIGHTS ARE BEING BEING VIOLATED15 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 15 U.S. Code 1681c2 - Block of information resulting from identity theft PLEASE REMOVE ALL ADDRESSES LISTED ON FTC REPORT AND NAME XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Experian XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX Experian 15 U.S. Code 1681c2 - Block of information resulting from identity theft XXXXXXXX XX/XX/XXXX
Product: Prepaid card

I have two Amex Gift Cards- one for {$200.00} and one for {$50.00}. Neither work at any store to purchase things. They keep getting declined. I can't use them anywhere.
Product: Credit reporting or other personal consumer reports

I have requested the removal of unauthorized credit inquiry/inquiries on my credit report from all three credit bureaus and upon checking, my latest credit report STILL shows inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
Addresses : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXXDate ReportedXXXX XXXX XXXX - Requested On - XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2 XXXXXXXX XXXX XXXX XXXX XXXX  Requested On XX/XX/XXXXXXXX XXXX XX/XX/XXXX - 15 U.S. Code 1681b - Permissible Purposes & Texas Business AND TEXAS Commerce Code 20.05 AND 15 U.S. Code 1681e ( b ) AND 15 U.S. Code 1681c-2 AND 15 U.S. Code 1681i AND 15 U.S. Code 1681s-2
Product: Mortgage

I would like to update you on the continuing abuse of Chase Bank to my father on his mortgage. Now that the bank knows that he is having trouble paying his mortgage, they are raising his monthly payments to try to squeeze him out of his home and into foreclosure before someone sues them for the predatory lending practice. His XXXX payment was {$1100.00} and his XXXX bill was {$1100.00}.
Product: Bank account or service

For over a year, Synchrony Bank has been issuing unsecured credit in my name. After countless letters and documents, the Bank continues to provide credit inquiries and harass me regarding its inappropriate and questionable behaviors. In XXXX XXXX the Bank opened a fraudulent XXXX account. After working through the tedious process the Bank sent me a vindication letter dated XXXX/XXXX/XXXX that stated, " Our investigation of the account has been completed, and the claim has been resolved in your favor. '' I trust that American public had to eat the charges as I am sure the Bank took the loss as a tax deduction. On XXXX XXXX, XXXX, I received a collection call regarding this account ; whereby, a collection representative attempted to make me pay for a {$660.00} jewelry item purchased at XXXX 's during XXXX XXXX. Synchrony Bank is a ruthless. As an identity fraud victim every other bank has acted in an understanding way.
Product: Credit reporting or other personal consumer reports

I previously submitted several disputes with XXXX regarding a business credit being reported on my personal credit profile. After investigations, I received responses indicating that XXXX refused to remove the inquiries from my credit file. I am writing this letter to formally request the original documentation from the respective creditors that demonstrates my explicit permission for these credit card accounts. I believe it is essential for me to receive this documentation, as it is my right to verify the legitimacy of these accounts. 

Without this proof of authorization, I insist that these accounts be promptly removed from my personal credit report. However, XXXX consistently refuses to remove them and provide me with documentation from the creditor. I did not apply for these credit cards, nor did I benefit from them. I did not authorize anyone at the business to apply for a credit card in my name, nor did I sign any credit card agreement. I no longer work for the company and am asking that the creditor provide proof that authorization was given by me to open these accounts in question. They are violating my rights. 

As such, under 15 U.S. Code 1681i, Paragraph ( 5 ) - Treatment of Inaccurate or Unverifiable Information ( A ) In general : If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer or modify that item of information, as appropriate, based on the results of the reinvestigation and promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I filed a formal complaint with XXXX XXXX XXXX XXXX XXXX XXXX after discovering an unauthorized credit inquiry on my credit report. This inquiry, dated XX/XX/XXXX, was made without my knowledge or consent and was associated with an unsolicited account. Concerned by these unexplained entries, I immediately requested proof of authorization and sought an explanation for this unauthorized credit inquiry. 
In my complaint, I emphasized the importance of protecting personal information and ensuring full compliance with the Fair Credit Reporting Act ( FCRA ). Recognizing the serious implications of this issue, I escalated my concerns to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Office of the Comptroller of the Currency ( OCC ), which regulates financial institutions. I urged these agencies to thoroughly investigate my case. 
Additionally, I requested that these agencies determine whether there is a broader issue at playwhether nationwide consumer reporting agencies are routinely misidentifying the legal names of creditors, furnishers, debt buyers, and debt collectors. If this is happening, it could result in false or misleading information on credit reports. This not only undermines consumer rights but also jeopardizes the integrity of the entire credit reporting system.

By sharing my experience, I hope to raise awareness and assist others who may be facing similar challenges with unauthorized credit inquiries and inaccurate reporting by credit agencies. 
It is crucial to understand that a companys name must exactly match its legal registration, as outlined in official documents such as articles of organization, articles of incorporation, certificates of formation, or charters. If the name on a credit report or legal document does not precisely match the registered name, the entity may not be legally recognized as the same. This distinction is vital because it can affect the validity of contracts, the enforceability of agreements, and the complexity of legal proceedings. Ensuring that the correct legal name appears on consumer credit reports is more than just a formalityit is a key legal requirement that protects the integrity of financial transactions and safeguards consumer rights.
Product: Debt collection

Received statement from Viking Billing that they were to collect alleged damages on a XXXX car rental to the tune of {$310.00} without having any notification from XXXX Shortly thereafter they called to collect and when questioned could/would not provide any confirmatory information. Their Claim # XXXX
Product: Vehicle loan or lease

Continuation of Complaint # XXXX You closed my complaint solely by relying on the documents Infiniti provided. That is wrong. I did not request copies of the documents I already possess. I filed a complaint because my decision not to have minor repairs on my vehicle at the time of lease return was a result of misinformation, wrong guidance, wrong advice I received at XXXX Infiniti dealership. Infiniti hires advisors to assist laymen like me at the end of the lease return, and their job is to give a consumer like me accurate information and advise of possible additional charges, if any. I took the time to take my car to XXXX Infiniti to avoid these charges. And I was advised that there would be no charges. I was misguided and misinformed and relied on that information. I trusted the dealership advisors, took his advice to return the vehicle as is. 

I am aware of all the documents Infiniti provided here. The issue is not the documents, the issue is XXXX Infiniti dealer advisors, where I took my car and they told me that there would be no additional charges, they inspected my car at the dealership and told me that. I am not crazy. I am not making this up. I don't have to. The problem is the Infiniti dealership giving me inaccurate and misleading information at the time of visual inspection. XXXX Infiniti misguided me and gave me wrong information and misdirection. If they did not tell me the vehicle was fine to return at the condition it was at that time, I would have paid then and had it fixed instead of returning it in the condition it was. By simply providing me with the copies of documents that I already have, Infiniti did not address my concern. I request explanation ; because of the misinformation I received from the advisor at XXXX Infiniti dealership, I relied on that information and returned my vehicle the way it was. I trusted the advisor. I request an explanation as to why the advisor working in XXXX Infiniti misled me, and gave me wrong advice and information as to the condition and possible additional charges at the end of lease return? Because of Infiniti advisor 's actions I incurred these charges. I know better than that to have some issues fixed to avoid such excessive charges. This is not a response to my inquiry and request. This is simply covering up an issue of Infiniti hiring wrong advisors and allowing them to XXXX people up.
Product: Credit card

XXXX XXXX XXXX is a merchant of Discover Card. I entered into an agreement for the building of a new deck in XX/XX/year>. The contract terms agreed upon clearly indicate that the contractor would obtain the required XXXX XXXX XXXX Delaware permits, which also require the contractor to be licensed by the XXXX XXXX XXXX as well as insured and bonded. This is something that the contractor was fully aware of, but continued to deceive this consumer.

I paid the contractor {$500.00} for obtaining the permits, which said amount is included in the {$7200.00} charge. Unbeknownst to me, he applied for XXXX XXXX XXXX permits fraudulently online under my name using his personal contact information and the county issued the permits. I never gave him authorization to use my information to apply for the permit.

In addition, he did not deliver the good and services as described and promised. The county inspector, XXXX XXXX, came to inspect the project. And within a few moments, he could see that the deck was not up to code. He pointed out numerous and life threatening problems with the structure including, but not limited to, faulty footers, an unsupported floor which would inevitably collapse and faulty railings that were loose and easily came apart. Also, the steps were uneven, unsupported, and were not made of the correct materials. Incorrect screws were utilized and not enough structural support beams were installed. I was told to stay off the deck due to the perilous situation and they failed the entire project. They have also confirmed that the contractor is not licensed through the XXXX XXXX XXXX. Due to this, the inspector advised me to file complaints.

I tried to dispute the charge through the Discover online account center multiple times but was not able to. Therefore, I called and spoke with XXXX who stated that she could not open a dispute because the charge was made through tap. I explained my concern that this fraudulent contractor should not be a merchant of Discover and be able to accept the card as a method of payment. In addition, the contractor is unwilling to accept his negligence and fraudulent activity to subsequently return funds. 

I am requesting that Discover Card dispute this charge and reverse the billing. I am a minority and I have been deceived, treated unfairly, and victimized. Discover, please help me with reversing this charge and credit my account. 

Thank you for your assistance in this matter. I can be contacted XXXX if you need any additional information, such as photographs or information from the county.
Product: Checking or savings account

My Pentagon Federal Credit Union account ( checking and savings ) was frozen XXXX month ago pending identity verification and documentation of source of funds. ( See attached email ) I provided the requested documentation ( see attached upload transcripts ) including pages from my bank statements showing more than enough information for them to verify my identity and the source of funds I used for making transfers to the account. However, Pentagon Federal proved to be invasive with additional requests for information. I complied providing full statements. I was never able to communicate directly with the bank regarding the documentation, but always had to spend up to an hour each week on the phone relaying information bank and forth between the department handling the investigation. 

Finally, after XXXX month I was informed that my account was " permanently restricted '' with no explanation as to why other than " risk '' which they would not tell me about. I have {$74000.00} in assets frozen at this bank and they've told me that it would be frozen for up to 60 days. This is unacceptable and I demand that they return my money immediately. They have already held my money for 30 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Let this be known to all, I, am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder in due course for any and all derivatives thereof for the surname/given name XXXX, XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; Whereas, I of age, of majority, give this herein notice to all, I make solemn oath to the one and only most high of creation only, whoever that may be, and I depose the following facts, so be it, and Fact, the Truth in Lending Act protects the natural person against inaccurate and unfair credit billing and credit card practices. 
Fact, the Truth In Lending Act Congress finds that economic stabilization would be enhanced and the competition among the various financial institutions and other firms engaged in the extension of consumer credit would be strengthened by the informed use of credit. The informed use of credit results from an awareness of the cost thereof by consumers. It is the purpose, to assure a meaningful disclosure of credit terms so that the consumer will be able to compare more readily the various credit terms available to him and avoid the uninformed use of credit, and to protect the consumer against inaccurate and unfair credit billing and credit card practices. 
Notice, it is a fact, affiant is aware, 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) refers to a request to resolve a billing error, by providing all documentary evidence for clarification of who funded the account. Until that request is done XXXX can not report late payments in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If AODFCU reports late payments without meeting the requirements under 15 U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account numbers XXXX Thank you, I swear to all information provided herein, I do so under the penalty of perjury that the information I affirm to be true, correct, accurate to my ability and knowledge, so be it ; I do not accept this offer to contract. 
I do not consent to these proceedings. 
I do not require subrogation of the bond to settle the charge
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I checked my XXXX score on XXXX. It shows that I have an account open at Nelson and cruz associates. I do not know who these people are and was not contacted to resolve the debt before it was reported on my credit. I do not owe money to these people and I would like it removed feom my credit report.
Product: Student loan

My loans are consolidated with Navient. I was on an income-based repayment plan and was given paperwork that informed me if I did not annually sign up by competing the paperwork for the income based plan, that I would be automatically switched to a standard 10 year repayment plan. After a year, I contacted Navient and was told I was still on the income based plan even though I had not completed the paperwork in almost 2 years. I asked to switch to the standard repayment plan and was asked " well how much do you want to pay? '' and I had to then calculate how much I 'd like to pay monthly in order to pay my loans off in 10 years. In the last year alone, I 've put almost XXXX in to my loans in order to get out from under the crushing debt and 6.375 % interest rate. I could basically own a second home with how much I pay for getting a XXXX XXXX XXXX in order to XXXX ( where a XXXX XXXX XXXX is the bare minimum to be able to obtain a XXXX ). This company does not care about student well-being or even doing their job to assist us. They prey on young people with a poor understanding of their loan practices and then exploit them as much as possible. My story is just one, but I hear from friends all the time of similar situations where they were uninformed or taken advantage of by organizations that claim to help us manage the insane debt issued easily to us by the government. I will be following the Navient lawsuit and hope to see some compensation for myself, a hard-working XXXX year old with my XXXX child on the way who completed her XXXX and XXXX education as quickly as possible and found a job immediately after XXXX, and who has put her life on hold for 5 years while most of her income is given to companies who take home enourmous yearly salaries.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TransUnion I made several requests to get my credit reports by phone and mail they both refuse to properly update information. XXXX has the wrong birthday and collection reporting and inquiry errors no score or report this is null and void since it's incorrect personal information. TransUnion wrong physical address phone and email collections and Inquires wrong refuse to update or fix no credit report or score. XXXX  wrong inquiry 's nd collections.
Product: Credit card

On XXXX XXXX a credit card was opened fraudulently under my name without me giving permission to do so. I do not know who did this. My birth certificate and social security card was stolen from my home in XXXX I did not notice until XXXX. I filed a report with the IRS on XXXX