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. 

Account Name : XXXX XXXX Account XXXX : XXXX and list of Inquiries.

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 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 or other personal consumer reports

In XX/XX/XXXX this writer Leased a new XXXX XXXX XXXX from Ally Financial. In XX/XX/XXXX we weren't decided on whether we were going to purchase the vehicle or not, so this writer contacted Ally Financial and requested a Lease extension. The Lease extension was granted and lasts until XX/XX/XXXX. We have now decided that we want to purchase the vehicle and applied for a Loan. The loan was authorized but the rates were very high, despite this writer and wife both having very high credit scores : credit scores that we worked 30 years to create. During the loan this writer contacted the bank ( XXXX XXXX XXXX ) to ask why our rates were so high. The bank reported that Ally Financial had recently reported to all 3 major credit bureaus that this writer was " late more than 30 days on a recent payment. This writer contacted Ally Financial to identify if a mistake was made and it was identified that my payment history was perfect and in fact that Ally owes money back to us for overpaying. I spoke to everyone I could to get this rectified and I was informed by Ally that it could not be rectified and that " Im sorry it must have been an error. '' Ally informed this writer that we had to report to CFPB to get corrected.

I have included a copy of payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX, XXXX  as well as Experian with written notices notifying them of various inaccuracies they are reporting on my credit report. The first letter was sent out XX/XX/2020. The second report was sent XX/XX/2020. The third dispute XX/XX/2020 and the last dispute was recently sent. Each dispute, I mentioned how each bureau is reporting different information for the XXXX account. From the type of account it is, to the dates reported, even the payment amount. However, each report comes back as verified. When Ive asked for documentation that deemed the account accurate, I havent received any.
Product: Credit card or prepaid card

Earlier tonight XXXX I tried to make a complaint. I think I typed too slowly or tried to upload too many documents. When I finished uploading documents it said the complaint was not saved. My complaint is against Discover because they don't seem to be trying to answer any questions about how I was scammed by XXXX XXXX and one of their merchants. I'm going to try to upload my 2 page complaint so it doesn't get timed out again. I authorized XXXX XXXX to charge on my Discover credit card for {$3400.00} to get rid of my timeshare legally. However, the charge appeared as from XXXX. Discover doesn't seem to answer any of my questions about how this fraud was perpetrated on me. They won't even clarify who really was the merchant at that time. Although XXXX was on the receipt, in the last few letters I received from Discover they list XXXX as the merchant. I tried to include many, but not all, of the documents I sent to Discover previously. Initially, after I called Discover on XX/XX/2021 to report that I had been scammed by XXXX XXXX, they credited my Discover card account and I thought they were looking into my dispute. However, recently they put that charge back onto my card even though they said they'd let me send more information to them. They didn't wait to get it. Instead they put the charge back on my card before I even received their letter telling me they were going to do that. Discover doesn't really seem to be looking into my dispute. My case is very similar to what happened to the timeshare owners in the case of XXXX XXXX versus XXXX. It was found to be a deceptive and fraudulent practice to promise a service they knew they could not deliver. Discover isn't even helping me get to the bottom of how this could have occurred to me with one of their merchants.
Product: Credit reporting or other personal consumer reports

I found out i had XXXX fraudulent XXXX loans on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I reached out to the credit companies about a few errors that I saw on my report. It's been over 30 days not and I still have yet to hear anything back from they. I have been checking my credit report to see if anything change but everything is still the same.
Product: Credit card or prepaid card

I recently checked my credit report with XXXX. On it, I noticed a credit card in my name was opened on XX/XX/2022 by Bank of America. I never applied for a credit card with Bank of America, and never received one in the mail. I believe I am a victim of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Yes I have spoken and tried to reach out to the portfolio company that's got my debt and I disputed it numerous times still get back the same information and the total was like XXXX and I told him this fraudulent activity that has been on this card numerous times from someone else without my consent or authorization and also told him it was national disaster as well during covid-19 I lost my job so that being said I've disputed it numerous times and they still keep giving me back the same information and I told him I was not going to pay because of the fraudulents and the national disaster went back in XXXX so if you could please help me get this off my credit report I would really appreciate it.XXXX also it has been reported it was closed now they still trying to open it and keep trying to collect
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 credit inquires that I never authorized or applied for. 1. XXXX. I never applied to this company and never requested a credit from them. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 2. XXXX  XXXX XXXXI authorized only one inquiry from this company, not two.. there is a duplicate entires for the same company. ( tried to have Experian delete it but they refused ) ( I need this entry completely removed because I never made it ) 3. XXXX XXXX XXXX. I never authorized this inquiry.
Product: Credit reporting or other personal consumer reports

I did not authorize certain hard inquiries on my credit report. Kindly remove them as they are affecting my score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I placed a fraud alert on my account after Equifax had a data breach. My social has been used numerous times. 

Recently it was used by an unknown thief with XXXX XXXX XXXX, I immediately notified them on XX/XX/XXXX when I received the alert. I was told by a representative that they had seen teh fraud alert and blocked the application and would remove the inquiry. 
Not only did they not do that, they RAN my social AGAIN on XX/XX/XXXX. 
WHILE I '' M CLOSING ON A HOME. 

Now i have TWO unauthorized inquiries by the same company. 
So I notified Equifax, The ROOT CAUSE of my social security number being leaked in their breach and they are refusing to abide by the FCRA and open a dispute. 

Per the FCRA the CRA, NOT ONLY the furnisher, is REQUIRED to investigate and remove inaccurate information In pertinent part " When a consumer disputes the completeness or accuracy of any information contained in his/her credit report, the consumer reporting agency ( CRA ) must conduct a " reinvestigation. '' The term " reinvestigation '' is a statutory term under the Fair Credit Reporting Act ( FCRA ). If the reinvestigation reveals that the information is inaccurate or can not be verified, the CRA must promptly delete the information. 15 U.S.C. 1681i ( a ). Failure to conduct a reasonable reinvestigation violates the FCRA. 

XXXX v. XXXX XXXX XXXX, 115 F.3d 220, 22324 ( 3d Cir.1997 ). The burden to conduct the reinvestigation is on the credit reporting agency. It can not be shifted back to the consumer. '' ( XXXX, 2019 ). 

Equifax had a data breach that is documented A data breach that included the theft of my social security number and personally identifying information.. 
Equifax 's negligence has had a SEVERELY adverse impact on my life Equifax was notified promptly of all disputes, fraudulent uses of my social and as such, has more than reasonable cause to initiate a dispute on my behalf as required by the FCRA> Per XXXX ( who refused to provide his last name and/or ID ) they are not responsible to investigate I requested a supervisor and received XX/XX/XXXX  refused to provide a supervisor, refused to abide by the FCRA, refused to open an investigation and refused to discuss options to resolve the account stating it was my responsibility to make XXXX XXXX XXXX abide by the law.
Product: Mortgage

XXXX XXXX, XXXX Complaint : Mortgage Servicer I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the XXXX. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with the filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXXXXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. Innacuries of data and dates of payments starting XX/XX/XXXX to XX/XX/XXXX multiple months show " No data for this period '' and are not accurate across all XXXX credit reporting agencies ( XXXX, XXXX, and Transunion ) XXXX XXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX : In violation of 15 USC 1681, 15 USC 1666b XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b XXXX XXXX : CEASE AND DESIT was sent to the creditor. In violation of 15 USC 1681, 15 USC 1666b. By law, one must furnish a 1099C for illegal charge-off accounts requested XX/XX/XXXX and never supplied the 1099C 's.

Everything reported here does not meet the FCRA. Late Payments In accordance with the Fair Credit Reporting Act this creditor has violated my rights.

Under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 A section 2 - it also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors 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. ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Under 15 USC 1666b - a creditor may NOT treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. Due to these violations, I have a right to sue per violation.
Product: Credit reporting or other personal consumer reports

These Companies have violated my rights. I have fraud alerts in place, None one reached out to me in regards to these creditors. I would like to have this issue resolved Please. 

For future references Each individual Company needs to contact me directly or contact the bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Experian credit reporting agency is causing harm to my credit profile by showing 3 hard inquiries that are inaccurate to the credit profile from the following companies : XXXX XXXX XXXX XXXX Disputes have been filed internally through the Experian website, but all attempts to remedy the situation have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think the credit bureaus have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} ; CAPITAL XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$50000.00} ; XXXX XXXX Balance : {$14000.00} ; XXXX  XXXX XXXX Balance : {$4400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis has failed to respond within there time frame. 
I sent them certified letters and I have gotten no response
Product: Credit card

I signed up to become a member of a ( scam ) company called XXXX on XX/XX/XXXX. No specific date was given for when we would receive access to the " member store '' online or get our " debit cards '' but at sign up it stated 2-3 weeks. At the end of 2 weeks they extended the date another 2-3 weeks, and so on and so forth for about 4 months. The company kept hosting XXXX  meetings whereby they moved the date of releasing the membership cards and website/store access. Different excuse and explanation, but very believable so I kept holding on waiting for my " merchandise '' access card to arrive so I could utilize the benefits I paid {$490.00} to become a franchise on my chase debit card On XX/XX/XXXX, the company sent an email stating they were ceasing operations. I immediately filed a dispute with Chase for non-receipt of merchandise. Even through it has been more than 120 days from the purchase Chase 's polic it has NOT been more than 120 days since the company promised us our cards and website access that had been continually delayed due to " numerous issues '' and it has NOT been more than 120 days since I was notified that the merchandise would never be sent. On XX/XX/XXXX Chase denied my claim for the 120-day rule. I called a manger and explained that although it was 120 days from the purchase, it was NOT 120 days from the " new '' date of the promised product to be sent. I told the manager at Chase that I never received any request from Chase to provide documents. My XXXX  XXXX  also paid {$25.00} each on their debit cards to get tranzact cards which they also never received. In XXXX we received email from the company stating that the new company launched named XXXX, and we were all transitioning from XXXX to XXXX and access to the member deals would be coming soon. They continued to promise to mail cards, during their zoom meetings but I never recorded the meetings. 
I believe Chase is being abusive in their application of Regulation Z, because the time clearly starts following when the product is to be delivered/received. In this case, the " delivery '' date was moved every few weeks, so we were never more than 60 days outside of our promised delivery date. I have filed an FTC report about the fraudulent company : XXXX This is run by a man with a history of securities fraud ( " We also reported on XXXX being criminally charged with securities fraud in Utah back in XXXX. The charges pertained to XXXX running two Ponzi schemes, which authorities claim XXXX defrauded consumers out of ~ {$10.00} XXXX dollars through. XXXX pled guilty to XXXX count of XXXX of Unlawful Conduct ( page 3 ), a XXXX XXXX XXXX XXXX XXXX XXXX' )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I called the transunion credit bureau and spoke with XXXX who is a supervisor for the company. I informed him that I would like to dispute several hard inquiries on my report and that I would like an investigation to be initiated. He told me that I wasn't able to dispute hard inquiries with transunion unless I had a deletion letter from the creditor. I informed him that according to the FCRA guidelines any information can be disputed and must be investigated. I also informed him that i didn't believe that the creditors had permissible purpose to access my credit file and i wanted them to prove that they had my expressed consent to do so. I believe that transunion isn't properly adhering to the FCRA guidelines and are engaging in deceptive practices.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Navient, the XXXX loan servicing company, regarding their persistent harassment and unfair practices. They have passed my information on to another loan company without my permission, not a letter in the mail. I have received XXXX letters stating loan forgiveness to a certain amount and they are still reporting on my credit report.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : Upon reviewing my credit report, I have identified certain item ( s ) that are incorrect : 1. The following information is outdated. I would like it removed from my credit history report XXXX XXXX XXXX  Account Number : XXXXXXXX Please remove this inaccurate information from my credit report. 

2. The following personal information is incorrect XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

3. Validate Account XXXX  XXXX Account Number : XXXX Please remove this inaccurate information from my credit report. 


4. Validate Account XXXX Account XXXX : XXXX Please remove this inaccurate information from my credit report. 

In accordance with the Fair Credit Reporting Act, I am requesting a thorough investigation of these items and their subsequent removal from my credit report. It is my understanding that you will verify the accuracy of these items with the respective creditor. Please eliminate any information that can not be verified by the creditor. I am aware that according to 15 U.S.C. Sec. 1681i ( a ), this reinvestigation must be completed within 30 days of receiving this letter. 

Furthermore, I kindly request an updated copy of my credit report to be sent to the aforementioned address. As per the act, there should be no charge for this updated report. Additionally, I request that you notify any parties who have received my credit report in the past six months of any corrections made. 

Additionally, according to USC 15 1681i, if any part of the investigation does not confirm the accuracy of the disputed information, you must promptly remove or correct the information and notify all parties to whom the information was reported. I also request that you provide me with the following information as required under USC 15 1681g : The source of the information in dispute. A detailed account of your reinvestigation, including all supporting documents and findings. Notice of any changes made to my credit report as a result of your investigation. Failure to comply with these legal obligations may result in me taking further action, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), or pursuing legal remedies as provided by law. I expect your prompt and complete response within 30 days from the date of this letter, as required by law. Please send me a written confirmation of the results of your investigation. Thank you for your immediate attention to this matter. I look forward to resolving this dispute swiftly. 


Thank you for your attention and assistance regarding this matter. 

Sincerely, _____________________________________ XXXX XXXX XXXX