23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section XXXX A. States I have the right to privacy.

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( XXXX ) 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 ) ( XXXX ) 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: Credit reporting, credit repair services, or other personal consumer reports

I have not given you written permission to put anything on my credit profile 15 USC 1681b Permissible purpose of consumer reports Subject to subsection ( c ) any consumer reporting agency may furnish consumer report Under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. You have no permissible purpose by law to contact third parties with my private or personal information. No consent is fraud. Please see these accounts are removed from my account. They are fraudulent & are impacting my ability to gain credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian deliberately discourages customers ability to submit online submission of request of correction in credit report errors by deliberately blocking access by issuing fake security questions and blacking online access. 

Experian has repeatedly blocked the last three attempts I have made to submit correction request via there online site. They ask obscure id verification questions which I still answer correctly and stull black access. They demand I send sensitive copies of personal id via mail which I will not do. XXXX and XXXX have no problems verifying my ID, this is a deliberate ploy by Experian to black access and is fraudulent.
Product: Student loan

AES/NCT/XXXX have multiple credit marks on my credit. I never signed an agreement with NCT/XXXX and I have no proof they still own my debt since NCT is a trust ( not a lender which AES claim ). It is illegal to claim NCT is my lender when I never signed an agreement with them. I have multiple marks on my credit which AES claims they ca n't remove even though they are the ones reporting on my credit not NCT/XXXX and AES/NCT is on my credit report even though I never signed an agreement with either company. AES claims NCT will not remove any items from my credit ( they are lying because they can remove them ). I hate dealing with AES because they are bunch of liars and XXXX XXXX is a XXXX because she does n't know she is talking about. She claimed last year that I gave them my mother 's number when the XXXX party collection XXXX actually changed my personal information without my permission. I would n't give my mother 's number out to anyone but she claims I did and never apologize for the misinformation. AES often give out bad information because I record their calls. I will urge everyone to start filing complaints with CFPB so AES can be shut down. They are engaging in illegal business practices by claiming NCT is my lender when they are a trust. NCT does not lend money out because they are a XXXX party debt buyer of student loans which means they must adhere to the FDCPA and FCRA plus the trust regulations. I want all negative items removed from my credit because I do not want to deal with AES anymore because they are an evil company that should be shut down. I also have reps sending my debt forms by email even though I have told them several times, I will NEVER DO AUTO DEBIT WITH AES SO STOP SENDING THEM TO ME. I do n't trust AES to go into my checking account so there is no need to shove this product down my throat. I want see proof that NCT is the lender of this debt, I need to see paperwork that shows I signed an agreement with NCT/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX, comenity capital bank XXXX XXXX XXXX XXXX with account # XXXX as a result they have violated my rights with the laws stated herein. 

15 U.S.C 1681 SECTION 1 602 A. States I have a right to Privacy 15 U.S.C 1681 604 A. SECTION 2 It states a consumer agency can not furnish an account without my written consent / instruction ( s ).

15 U.S.C 166b A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as Late for any reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per The Federal Credit Reporting Act 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] a consumer reporting agency shall block the reporting of any information in the file 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. I have sent an FTC identity theft report NUMEROUS times and you are in VIOLATION of this law because I am a victim of identity theft!!! These accounts are a result of identity theft. Account name : XXXXXXXX XXXX Account number:XXXX, Account name : XXXX XXXX XXXXXXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX, Account name : XXXX XXXX XXXX Account number : XXXX and Account name : XXXX XXXXXXXX Account number : XXXX. Please delete these items IMMEDIATELY! I have attached my identity theft report. These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S. Code 1681b- Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection 9 ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTSIONS of the consumer to whom it relates, I NEVER gave any consumer reporting agency WRITTEN INSTRUCTIONS to report anything on my consumer report which violates my rights as a consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of these accounts IMMEDIATELY. Lastly per te FCRA I am entitled to {$1000.00} per FCRA Violation. Please send me a check for {$1000.00} for willful violation.
Product: Credit reporting

My recent credit report have disputes I created through transunion in regard to XXXX derogatory marks listed in collections that are on my report. This information is inaccurate and suddenly appeared on my report with no knowledge. The accounts in my report that are considered to be in collections do not belong to me and or are payed off. I believe the negative information on my report is untrue and I want these derogatory marks removed from my report. I 'm unable to apply for loans, credit cards, etc because other businesses that pull my credit report are seeing a score displayed to them that is incorrect.
Product: Debt collection

HORRIBLE EXPERIENCE! WATCH OUT FOR THE FRAUD HAPPENPING AT THIS LOCATION. THEY GIVE YOU A LINK TO TAKE THE PICTURES AND UPLOAD BEFORE YOU RENT A TRUCK, THEY KNOW IF YOU DID NOT TAKE ANY PICTURES EXPECT A BIG SURPRISE. I AM SURE MANAGEMENT KNOW WHAT THEY ARE DOING. 

I RENTED A TRUCK FOR 2 HOURS - EST CHARGES IS {$45.00} AND I GOT A FINAL BILL FOR XXXX AND I KNOW THERE WAS NO DAMAGE TO THE TRUCK, I KNOW WHAT TO DO IN CASE OF ANY DAMAGE. 

I AM NOT AWARE OF ANY DAMAGE AND SOME HOW THEY PUT THE OLD DENTS AND SCRATCHES AS NEW DAMAGE. 

I WENT TO THIS PLACE AND ASKED FOR PRINTED BILL AND SAW THE TRUCK AGAIN, ALL OF A SUDDEN THEY FIXED ALL THE DAMAGE AND CLEANED THE CAR. TECHNICALLY THERE WAS NO DAMAGE DONE BUT I GOT A BILL FOR {$200.00}. 

I AM SURE THE MANAGERS ARE WELL AWARE OF THIS FRAUD AND THEY WANT TO RUN HIGH BILLS FOR WHATEVER REASON. 

REPORTED THIS TO THE CONSUMER RIGHTS AND TOOK A VIDEO THAT SHOWS NO DAMAGE.
Product: Debt collection

I am unemployed, and thus, have fallen behind in my payments. I have received several calls daily from Citizen 's Bank regarding my past due account. On XX/XX/XXXX, I agreed to pay {$130.00} toward my past due amount, which would bring the payment current, and set up a payment plan, which was to commence on XX/XX/XXXX, to pay {$87.00} ( 86 and change ). I was told that as long as I stayed with the agreed plan, I would no longer receive phone calls. 

I received a letter on XXXX, stating I am past due. I also received a call on that day at XXXX XXXX. I was told that I would receive calls until the account was current. I called to their attention that I had an agreement, and that my payment was not due until XX/XX/XXXX, and that I was unable to pay until that time, and they said the calls would stop. I was called AGAIN, on XX/XX/XXXX, where I informed the caller of my agreement, I was told I am still past due, and made a {$100.00} payment. I was told that my case would be put into a queue, and that I would no longer be called as long as I stuck to the agreement. I received ANOTHER call and text after THAT call. I responded to the text by calling in AGAIN. I was now told that the calls will continue unless I send in a Cease and Desist Letter. I am now making a formal complaint. I will send in a C & D letter, but this is ridiculous. I paid what little I can pay. I paid before my agreed date, and I am still getting calls. 

I am XXXX. I am XXXX years old. I have over 20 years experience in my field and a XXXX XXXX XXXX, but getting no interviews. I am doing all I can. I do not need the added stress of being harassed, when I have made an attempt and agreement, in good faith, and that agreement is not being honored. They state that the calls are being recorded -- I doubt that, because they would not continue to call and harass knowing they have been given an agreement. PLEASE HELP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX TransUnion XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX **Subject : ** Unauthorized Inquiries on My Credit Report Dear TransUnion Team , I hope this letter finds you well. Upon reviewing my credit report, I have identified several unauthorized inquiries that I wish to address : XXXX. XXXX XXXX XXXX - Location : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - Requested On : XX/XX/XXXX - Inquiry Type : Individual XXXX XXXX  - Location : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual XXXX. XXXX XXXX XXXX - Location : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX - Requested On : XX/XX/XXXX, XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual XXXX. XXXX XXXX - Location : XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX - Phone : ( XXXX ) XXXX - Inquiry Type : Individual I wish to clarify that I did not authorize these inquiries and have no association or dealings with the referenced entities. According to the Fair Credit Reporting Act ( FCRA ), credit reports should only be accessed for valid purposes, such as credit evaluations, employment verifications, and other lawful business endeavors. I am concerned that these inquiries do not meet the criteria for permissible purposes under the FCRA. 

I respectfully request that TransUnion conduct a thorough investigation into these unauthorized inquiries. Should it be determined that these inquiries were not authorized or lacked a permissible reason, I request their immediate removal from my credit report to maintain its accuracy. 

I trust in TransUnion 's commitment to ensuring the integrity of credit information and look forward to a prompt resolution. Please keep me informed of your findings and any actions taken. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumers rights to Privacy and confidentiality under 15 USC 1681. 
, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX has violated my rights. 



15 U.S.C 1681 section 602 A. States I have right to privacy 15 U.S.C 1681 section 604 A. Section 2 : it 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 items of information, other than records of convictions of crimes which antedates the report by more than seven 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: Credit reporting, credit repair services, or other personal consumer reports

I recently requested a investigation on XX/XX/XXXX and Lexis Nexis received on XX/XX/XXXX via certified mail.I am filing this complaint because LexisNexis has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts I disputed. I have been requesting verification of the following account that LexisNexis continues to report on my credit file : Bankruptcy Case ID # XXXX I. disputed this account with LexisNexis and the results was the information was accurate. I directly called the Lexis Nexis telephone number that is listed on my report at XXXX and spoke with an agent and she informed me that a security freeze was placed on my account as of XX/XX/XXXX. I have attached a copy of my security freeze confirmation that I received directly from Lexis Nexis showing the date of confirmation. I also contacted the courthouse in XXXX NC and spoke with a court clerk. She stated they do not furnish information to credit bureaus by mail, electronically, or by any other means.And they could not verify the account belongs to me and I stated it is reporting via LexisNexis. I am waiting verification from the clerk of court with supporting documented per our conversation. I was also informed by the LexisNexis agent that they verify information from a third party using XXXX verification. Which is unacceptable and I requested the account be reverified with the name and telephone number of the person that they verified the information with. As of today it has been more than 30 days for validation that this account is mine and I am requesting that it be deleted from my credit report for noncompliance. Being that they have gone past the 30-day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to delete all information that can not be verified that I disputed. Please resolve this matter as soon as possible. I demand that this public record Bankruptcy # XXXX be removed due to lack of verification and inaccurate reporting of verification date! I have repeatedly requested tangible documentation whether electronically or hard copies and LexisNexis has yet to verify. Thank you
Product: Checking or savings account

On XX/XX/year> I was supposed to receive my direct deposit and still have not received any direct deposit.
Product: Checking or savings account

Capital One failed to credit my direct deposit, causing me the inability to pay bills, buy gasoline and miss work.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to dispute inaccurate information on my Experian credit report. This report shows an outstanding debt owed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX that does not belong to me listed by XXXX XXXX. This debt has been inaccurately reported in the past. I have disputed this before and it was subsequently removed from my credit report. However, it has now reappeared. This account does not belong to me and I request that you immediately delete it from my credit report. I Please investigate this matter and make the necessary corrections as soon as possible. Under the Fair Credit Reporting Act, I am entitled to a response within 30 days of receipt of this letter. Please send me written confirmation that this erroneous debt has been permanently deleted from my credit file.
Product: Debt collection

I was a customer of XXXX. I had XXXX since 2001. I was contacted by XXXX for being a long time customer that I was offered a package deal to receive an extended amount of channels to watch. But I had to cancel the program before XXXX or I would be charged the price of the package. So I accepted the terms. I did in fact Cancel the package before the end of the program, but was still charged the package price.It has been over 4 years since this has taken place.
Product: Credit card

XXXX of last year Bank of America offered a program to make a payment plan to bring the balance on my credit card down. I met all the requirements on my payments as well as making future payments. I recently tried to use the card today to catch an XXXX. There was an error message so I called customer service. They claimed the account had been closed since XX/XX/2023 and I should have gotten a letter by the mail. I didnt receive any letter nor an email or notification within the Bank of America app inbox of the account being closed. I have been making on time payments of {$81.00} by the XXXX of the month via the mobile app.
Product: Mortgage

In XX/XX/XXXX my home at XXXX XXXX XXXX XXXX XXXX, NY, suffered catastrophic water damage from a leaky pipe. We filed an insurance claim with XXXX and received payment. As per the terms of our mortgage ( METLIFE ), the check was written out to us and the mortgage company. We hired a contractor ( XXXX XXXX, XXXX XXXX ) to repair the damages ( check was written out to me and XXXX XXXX ). Fast forward 2 years, the contractor quit owing us at least {$40000.00} and the home maybe XXXX completed. We successfully sued him in court, but our new mortgage company, JP Morgan Chase who purchased our loan in XX/XX/XXXX refuses to pay us any money from our restricted escrow account, despite being provided all the documents from the lawsuit. They claim that we can not access the money because we have not met the terms of building completion and that we sued the contractor and proceeds are payable only to us. Because of the lengthy law suit and lack of progress on the home ( the structure needs to be torn down and rebuilt because it will not pass building code ) our insurance carrier ( XXXX ) has given us 1 year to complete repairs which expires XXXX XXXX. I have contacted XXXX insurance providers and all said that they will not cover us due to pre-existing conditions. We can not tear down the home and rebuild because the loan conditions exceed what is financially acceptable. Only loan available to us in this situation is a new construction loan, where the money borrowed would be rolled into our current loan. We have {$55000.00} in escrow, including the depreciation which we were able to have our insurance provider ( XXXX ) forward to our mortgage holder ( JP Morgan Chase ). We have tried to work with our mortgage holder repeatedly to access the money in restricted escrow, but all we keep facing is roadblock after roadblock. They cancel inspections, ask for additional paperwork which we provide, and will not engage with us concerning this matter. I specifically ask to have " management '' return my calls so we can discuss the case, but I only get an insurance representative who knows nothing about my case except what they read in the account notes. I feel like they want us to default on the mortgage so they get the property plus the restricted escrow and the interest. 
**Of note, we have put a considerable amount of money into the home to make it weather proof - paid to complete the XXXX floor so the roof tresses could be installed and a roof put on. It was only after we did this that both a home inspector and a structural engineer found the home rebuild unsatisfactory. The judge did not award us any of this money. We liquidated our IRA, took a loan against our car and wiped out our bank account to finance the repair of our home. We have complied with everything Chase asked us to provide, yet the issue remains moot.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my original complaint submitted to the CFPB on XX/XX/XXXX regarding the incorrect name " XXXX XXXX '' AND " XXXX XXXX '' appearing on my credit report. Although you responded to this complaint, the issue remains unresolved, and the incorrect name has not been removed from my credit report as of XX/XX/XXXX. 

This error has caused significant harm, as I have been wrongfully declined from multiple opportunities due to the incorrect information, which creates the appearance of identity fraud. 

Under 15 U.S.C. 1692 ( a ) and 15 U.S.C. 1692e ( 10 ) of the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate and fair credit reporting. Additionally, under 15 U.S.C. 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the maximum possible accuracy of the information they report. Your failure to correct this ongoing error violates these obligations. 


Despite submitting the correct documentation, including my correct name, XXXX XXXX, and birthday XX/XX/XXXX this issue persists. I have taken all necessary steps on my end to resolve the matter, and yet no corrective action has been taken. The presence of " XXXX XXXX '' AND " XXXX XXXX '' on my credit report continues to cause financial and reputational damage. I have no accounts tied to this person / name.
Product: Credit card

Discover credit card and XXXXXXXX XXXX the charges are not mine the big payment on the account were not made by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX has me listed as N/A when lenders are trying to verify my identity. When I log into my account with both credit agencies I am unable to see any of my credit information. I have extensive credit history. Transunion admits the problem is on their end and that it would take a week to merge my files. My files are now merged and I am still unable to view any information to dispute. After numerous calls to resolve this issue, I am still left unable to access my credit file and lenders are currently not able to verify my credit history. I have sent XXXX my personal documents to verify my identity as they recommended. To date I am still unable to view my credit profile online and lenders are not able to verify my credit history. I dont know what else to do to regain my credit history. This is affecting my ability to secure housing.