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

XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX GA XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX GA XXXX ; XXXXL XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX : {$5100.00} ; XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} These Accounts, Addresses and Inquiries reporting on my personal credit file with ( EquifaxXXXX  ) credit reporting agency. These Accounts, Addresses and Inquiries was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regards to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing this complaint against experian ti remove and delete XXXX XXXX, this account is fraudulent, im attaching a police report and a copy of a ftc identity theft report to this complaint, im tired of experian ignoring my complaint and has not responded by taking this account off my credit report I will use this opportunity to sue experian is this account after providing a police report that I have filed showing Im a victim of identity fraud, because my information was leaked on the dark web by XXXX XXXX and my information was compromised, this has been failure and I have hired a lawyer if this complaint and my request are ignored this lawyer will file a law suite against XXXX XXXX and experian, experian has failed even through the pandemic my complaints was not taking serious and my rights under the fair credit reporting act were violated, I will use this complaint in my law suite to file against experian if this complaint goes in noticed and does not fix this issue, I have tried to work many of times and now Im not sitting back and letting experian protect XXXX XXXX anymore, they have committed fraud by using my information illegally to obtain this account in my name and has refused to take off my credit, that account is paid in full, but it is not my account now take this account off my credit and block it, my last request and CFPB, experian needs to be investigated for ignoring consumers that provide substantial evidence of identity theft as I have many of times and I have turn over the amount of evidence and times I have reported this to the CFPB XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX I have notified attorney to enforce my rights, this lawyer will file suite if my complaint goes unnoticed or is not taking serious, Including XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Please delete these accounts also they were open fraudulently in my name take this complaint very serious as my rights have been violated and this has caused serious damage to my credit.
Product: Checking or savings account

I purchased a course called XXXX XXXX  for {$XXXX} I was under the impression that it was a video course and that it would have resources in the course that I could use in a pursuit that I'm looking into. When I get signed in I'm seeing that the course is literally voice notes recorded on someone's phone. The course is a grand total of XXXX hrs with the longest lesson being XXXX mins. This course is completely XXXX. so I go to the bank to get XXXX refund and they do their investigation and determine that this guy that took voice notes on his phone and sold it to me for {$XXXX} should get to keep my money even though I'm not satisfied with the product. The refund policy stated that I'm able to get a refund if I'm not satisfied with the product so there is absolutely no justification for my money not being returned. and they are refusing to refund me the money. I want my money back and I don't know who I need to contact to get this done but we need to reopen this case and refund my money.
Product: Debt collection

Received a voicemail from the collection bureau of XXXX attempting to connect on a debt that is to old to collect on. .i sent then a letter in writing upon receiving collection attempts XXXX then via mail that this debt is from 7 years ago. Please cease and desist from contacting me. .apparently they digs not follow this request..
Product: Mortgage

It took XXXX months for the RM to go thru due to the Lender misinformation I had to notar sign documents XXXX I had to call my city planner because they then told me my townhouse did n't qualify. I spent hours on the phone myself doing their job That was wrong I own and paid for totally my home, the appraiser was XXXX hours late did n't take the pictures properly so I had to do that also. I recently had my daughter & granddaughter move in and need help so I asked for money from a line of credit which has XXXX XXXX and was told NO, I then ask for monthly payments and was told NO. This is insane to me I am not vacationing I am trying to take care of my family in this desperate economy.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 1681. 

XXXX XXXX XXXX, XXXX XXXXXXXX, XXXX XXXX XXXX, THE BUREAUS XXXX, has violated my rights. 

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

The debt is for {$1600.00} from 2019 and is appearing on my credit report. This debt recently appeared as an outstanding debt owed and keeps updating each month recently to reflect negatively on my credit report. This is incorrect!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi i went to a car dealership XX/XX/23 the car dealership were doing alot of fraudulent activity which i was unaware of until i started seeing inquiries on my credit report i gave them authorization to run my credit for a bank loan in which they stated they did the apparently one of the sales man slipped up and stated we ran her credit over and over to bring her interest rate for the vehicle she wants higher so i asked them why are they runing my credit several times the sales man stated they only ran my credir once and is awaiting a banks approval her i am looking at my report and I have 5 hard inquiries on my credit report i called them over and over i am now not getting an answer or anything they ran my credit with 4 different banks nd it cause my credit to decrease i would like for these hard inquiries to be erased from my report so that i can go to someone legit with the proper credit to get a car with these hard inquiries i wont be able to please let me know the next step
Product: Credit reporting or other personal consumer reports

I HAVE REPEATEDLY DEMANDED OF THIS COORPORATION TO DELETE ALL UNVERIFIED DATA PROTAINING TO MY FILE TO WHICH THEY HAVE DENIED AND REPORTED INACURATE INFORMATION AND DATA RESULTING IN DAMAGES TO MY PERSON.
Product: Debt collection

The firm EOS CCA in XXXX, MA contacted me saying I owe thousands of dollars to a phone company I have never used. I mailed them a dispute letter. In response they mailed me a copy of a bill, which is clearly not mine : incorrect last name, incorrect location of residence, account number I do n't recognize, service provider I have never used, etc. The evidence shows the debt is not mine.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit report from XXXX, Experian and XXXX I discovered several hard inquiries that I did not authorize or initiate. These inquiries are damaging to my credit score and may adversely affect my ability to obtain credit in the future. 

The unauthorized hard inquiries listed on my credit report are as follows : On XX/XX/year> XXXX On XX/XX/year> XXXX XXXXXXXX XXXX  XXXX XX/XX/year> XXXXXXXX XXXX I have not applied for credit or authorized any inquiries from the companies listed above. These unauthorized inquiries are a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under Section 611, Subsection ( a ) ( 1 ) ( A ). According to the FCRA, consumers have the right to dispute inaccurate or unauthorized information on their credit reports and request that it be corrected or removed.

Section 611, Subsection ( a ) ( 1 ) ( A ) of the FCRA states that credit reporting agencies are required to conduct a reasonable investigation into any dispute filed by a consumer regarding the accuracy of information on their credit report. This investigation must be completed within 30 days of receiving the dispute. Additionally, the FCRA mandates that credit reporting agencies must provide consumers with a written explanation of the results of the investigation and any actions taken as a result.

In accordance with the FCRA, I am requesting that you investigate these unauthorized inquiries and provide me with a written explanation of your findings. Please also provide me with copies of any documentation or evidence you used to verify the legitimacy of these inquiries.

I expect a prompt resolution to this matter, as these unauthorized inquiries are negatively impacting my creditworthiness and financial standing.

I have already reached out to the companies and credit bureaus and was provided any assistance.

All credit bureaus have a copy of my driver 's license and social security card that was provided previously.

Thank you for your attention to this dispute. Please send any correspondence regarding this matter to the address you have listed on my credit profile.
Product: Payday loan, title loan, personal loan, or advance loan

I have any victim of identity theft and fraud with their company I've never used their company they don't have none of my personal information but yeah it still is on my credit report weekly
Product: Debt collection

I received a call from XXXX and XXXX stating i owe money from XX/XX/XXXX. and that they send me a letter but i never received any such letter, so what are my option am over sea in the military and i cant take care of this matter.
Product: Mortgage

PHH mortgage charged my credit card {$590.00} plus an additional {$1.00} service charge for an appraisal on my home for re-financing a mortgage. They said my credit card would be charged if they were unable to close on the re-fi. I never received a letter or phone call first to inform me, just a charge on my XXXX. The mortgage company solicited me with numerous phone calls to re-fi, and told me I would be saving several hundred dollars monthly. They also said I was pre-approved. The initial loan processor never walked me through the documentation, as promised, and papers had to be re-sent. A new loan processor was assigned. She was equally rude and evasive in our conversations. Finally, they asked for documentation of additional income to be guaranteed that it would continue for 3 years ; however, the income is XXXX XXXX deeded to me 35 years ago. I sent all tax documents for 3 years and told them there 's no guarantee that Royalties continue indefinitely, although I 've continued to receive them 35 years. This company has had many legal problems and is not endorsed by the BBB. XXXX reviews are all consistent with my complaints.
Product: Money transfer, virtual currency, or money service

They terminated my account saying I violated their terms. They refuse to tell me what violation and will not issue my funds to me that they are holding. A roommate sent me funds for his portion of the rent and they are holding over 500 dollars
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Despite the multiple previous requests, the unverified accounts listed below still remain on my credit report in violation of Federal Law. The Equifax XXXX has failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the XXXX are investigated properly before posting derogatory information. 

XXXX XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX XXXX Balance {$0.00}
Product: Student loan

I am the consigner for my daughters student loan through Navient. She paid 3 months XX/XX/XXXX. They called her XX/XX/XXXX and told her that the interest needed to be paid. She paid the interst and put it in forebareance. She was told that she did not have a payment until XX/XX/XXXX. They put on our credit that we were delinquent for XX/XX/XXXX and XX/XX/XXXX. My credit rating fail from XXXX to XXXX. We were never notified about the delinquency
Product: Credit reporting

Account was verified through equifax but the debt collectors did not have documents to support claim. This has been an issue for over 4 years I was told the companies sent over documents but I requested copies of the document at the beginning of my dispute. But was told I need to re submit the claim and request the documents in writing even though I requested a copy of the documents in my initial dispute. The investigation of the account should have revealed there was no documents to support the claim and should have never been verified. I want a copy of the submitted documents seeing as the document were verified and the company. And there is cause for concern the bureau need to a better job of investigating matters before confirming this issues has caused me to many problems. And has had a negative impact.
Product: Checking or savings account

On XX/XX/XXXX I deposited money into M & T Bank. The funds were due to a personal injury settlement. There was a Court Order requiring the funds be placed into a restricted account with no withdrawals prior to 18 without prior Court approval. On XX/XX/XXXX I received a letter from M & T stating they would be closing the account as there was no activity for a period of time. On XX/XX/XXXX I signed a paper stating the account should remain active and again explained that the account wouldnt be accessed until my daughter was XXXX. I again received a letter in XX/XX/XXXX stating the same thing. I called M & T on XX/XX/XXXX and told them to keep the account active and again she would not be accessing the account until XXXX. In addition, I requested our address be updated since we moved. Today, XX/XX/XXXX, my daughters XXXX birthday, I called M & T to determine what I needed to closed the account. I was told that the account had been closed on XX/XX/XXXX because the state requested the funds and there wasnt anything further for them to do. After further research, I located the funds at the Pennsylvania Treasury Departments Bureau of Unclaimed Property. This account was opened per Court Order when my daughter was XXXX  years old. They accepted the funds and opened an account knowing she wouldnt be touching this account for 8 years. Now we have to go through the unclaimed property department to collect money, which failed to gain interest for the past 6 months due to their error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, FL XXXX Email Address : XXXX Date : [ Insert Todays Date ] To : TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Verification or Deletion of Accounts in Compliance with Metro 2 Code and FCRA Dear TransUnion, Under the Fair Credit Reporting Act ( FCRA ), I am writing to formally request verification or deletion of certain accounts appearing on my credit report dated XX/XX/XXXX. Pursuant to Section 611 ( a ) of the FCRA ( 15 U.S.C. 1681i ), I am exercising my rights to dispute the completeness and accuracy of the following accounts. 

Specifically, I am disputing the following Authorized User accounts, as I do not recognize them or have ownership of these accounts : XXXX. XXXX XXXX TransUnion, XXXX, XXXX Account # : XXXX High Balance : {$12000.00} XXXX. XXXX TransUnion XXXX XXXX, XXXX Account XXXX : XXXX XXXX XXXX : {$970.00} XXXX. XXXX XXXX, XXXX Account # : XXXX XXXX XXXX : {$21000.00} XXXX. XXXX TransUnion, XXXX, XXXX Account # : XXXX High Balance : {$19000.00} Additionally, I am requesting verification or deletion of the following accounts : XXXX. XXXX  XXXX TransUnion, XXXX, XXXX Account # : XXXX XXXX. XXXX XXXX  XXXX TransUnion, XXXX, XXXX XXXX. XXXX TransUnion XXXX XXXX, XXXX Account XXXX : XXXX XXXX. XXXX  XXXX TransUnion, XXXX, XXXX Account # : XXXX XXXX. XXXX XXXX XXXXXXXX TransUnion, XXXX, XXXX Account # : XXXX High Balance : {$460.00} XXXX. XXXXXXXX XXXX XXXXXXXX TransUnion, XXXX, XXXX Account # : XXXX High Balance : {$8900.00} XXXX. XXXX XXXX TransUnion, XXXX, XXXX Account # : XXXX High Balance : {$41000.00} XXXX. XXXX XXXX TransUnion, XXXX, XXXX Account # : XXXX I am requesting that TransUnion : 1. Conduct a full reinvestigation of these accounts.

2. Verify each accounts accuracy and compliance with the Metro 2 reporting standards, including all relevant fields. 
XXXX. Provide documentation from the furnishers ( creditors or data furnishers ) confirming the accounts legitimacy, as required by law. 

If verification can not be completed within 30 days, I request that these accounts be immediately deleted from my credit report, as mandated under the FCRA. Additionally, I request written confirmation of the results of this reinvestigation, along with details of any deletions or updates made to my file. 

Please provide me with the investigation results via email at XXXX and by mail at the address listed above. 

Failure to comply with these requirements under the FCRA and Metro 2 standards constitutes a violation of federal law and will be reported to the Consumer Financial Protection Bureau ( CFPB ) and other appropriate authorities. 

Thank you for your attention to this matter. I look forward to your prompt response within the legally mandated timeframe of 30 days. 

Sincerely, XXXX XXXX
Product: Debt collection

This is in response to XXXX XXXX XXXX , XXXX. ( XXXX ) CFPB response to complaint XXXX, dated XX/XX/XXXX. I have several issues/concerns with this response. 1- XXXX   never addressed the illegal trespassing on private property. 2- XXXX XXXX alleged validation of debt is unacceptable. XXXX is a servicer and/or debt collector. XXXX is not the alleged note holder and has yet to provide any documentation from the alleged note holder providing proof of their security interest ; i.e. assignment documentation. 3- In the XXXX XXXX XXXX XXXX ( XXXX ) provided in the response by XXXX , an " out building '' was used in the assessment. This building is not even on the property of the subject property that was being assessed. Not to mention the entire XXXX is based on the wrong property as described in the mortgage documents. XXXX continues to inflate the price of subject property in a fraudulent manner. 4- XXXX XXXX XXXX states the subject property has an estimated value of {$100000.00}, yet they forced placed insurance on the property in the amount of {$230000.00} in coverage from XXXX XXXX XXXX XXXX as XXXX XXXXXXXX XXXX , XXXX. named as the first insured ( Policy # XXXX ). This is not only unethical, it's illegal. 5XXXX On XX/XX/XXXX, XXXX stated they provided me a copy of all origination related documents pertaining to account # XXXX. This was false and a misrepresentation of the facts. The documents included : Customer Application, Loan Agreement Including Truth-in-Lending Disclosure, Notice of Right to Cancel, Recorded Mortgage, Good Faith Estimate, HUD Settlement Statement, Servicing Transfer Disclosure Statement, Hazard Insurance Disclosure, Waiver of Escrow and Origination Appraisal. However, in XXXX XXXX XX/XX/XXXX response they included a document entitled " Arbitration Rider ''  as part of the alleged loan documents. I have never seen this document and XXXX has never provided it to me as a result of my numerous inquiries. As a result, I would like XXXX to explain why it was not sent with the documents requested and provide a copy of the document and any other document ( s ) they neglected to send me in their XX/XX/XXXX correspondence. Either the document does not exist and XXXX fabricated it, or XXXX has once again been negligent in performing their duties. Please advise, I continue to assert XXXX continues to act in a fraudulent manner and misrepresents their legal abilities as a servicer/debt collector.
Product: Credit reporting or other personal consumer reports

Both XXXX and XXXX have removed the erroneous reporting ( see attached copy of my current XXXX credit reports from your company for proof ) of BANKRUPTCY DOCKET # XXXX on my file but for some reason you have failed to remove it. I have not seen any proof of the source of your information and my earlier XXXX proved that the courts did not provide you with the supposed information regarding the bankruptcy you are reporting on my file and have claimed to verify. 
This situation is a prime example of the practices for which the Consumer Financial Protection Bureau ( CFPB ) is currently suing Experian in the XXXX XXXX XXXX for the XXXX XXXX XXXX California ( Docket No. XXXX, filed XX/XX/year> ). Experian 's continued reporting of inaccurate and unverifiable information, as well as its failure to adhere to its obligations under the Fair Credit Reporting Act ( FCRA ), reflects the same misconduct alleged in this case. To further show that Experian is willfully attempting to violate the FCRA by not conducting investigations and attempt to confuse and fraud consumers I have attached the XXXX Experian Dispute responses that I was provided by Experian regarding this disputed account. In the first, Report # XXXX dated XX/XX/year> ; Experian XXXX the XXXX and Acct number of the disputed bankruptcy and the status of pending. In the dispute response that was sent only XXXX days later, Report # XXXX XX/XX/year> ; Experian DOES NOT list the Creditor/Vendor or Acct number but puts the status as remains and that the company that reported the information has certified to Experian that the XXXX is accurate. I therefore request that you immediately remove this BANKRUPTCY DOCKET # XXXX my credit report with your company or provide me with the exact source where you received such information. Failure to do so will require that I take the appropriate legal action for damages.
Product: Credit reporting

I have an address added to my XXXX report at which I have never lived. It is concerning to me, as I have not applied for any new debt, etc. XXXX said I would need to write a letter to dispute the information and change my personal information, which does not make sense, as I highly doubt the person making the initial change went through the same steps. They also would not review the information unless I paid them a fee. I am also concerned of possible idenitity theft, but was told it " must be '' from a credit card or loan I already have, as there were no new inquiries.