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

I am a victim of identity theft please see attachments I have included with this case and completed identity theft affidavit Also please refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 USC & 1681 c-2 ) Which information must be removed within four business days of receipt Understand under ( 15 USC & 1681B ) gives me the power to control everything on my report Im again understand this company will be held criminally liable for aggravated identity theft pursuant to ( 18 USC 1028A ) Extortion theft by deception, securities fraud, and mail fraud. upon the receipt of the documents herion and of this notice you are hereby notified pursuant UCC 1-2021. Your prompt attention and response are both requested in required This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by the law on my consumer report. 

15 USC 1681b ( c ) furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( XXXX ) information regarding inquiries. Except as provided in section 1681g ( a ) ( 5 ) of this title a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer The following account listed below are a result of identity theft and was not initiated by me I demand that they are deleted immediately My identity has been stolen you are hearby put on notice Account : XXXX XXXX XXXX XXXX Account number : XXXX Open date : XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been brought to my attention that the Credit Bureaus are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA, Im submitting this complaint AGAIN to help establish a legal recourse. If the Credit Reporting Agencies choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove the following items as they are fraudulent & were opened without my consent or knowledge... 



XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX Date Opened : XX/XX/2008 Balance : {$1700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted American Express to request a leger including the charges on my account for verification. They only mailed the balance. I submitted a dispute on XX/XX/23 because I was unable to verify charges. The creditor updated my account with deceased which is false. This is their second time updating my account as deceased which is impacting my credit score.
Product: Mortgage

On XXXX had a mortgage refinanced with United Wholesale Mortgage. On XXXX attempted to make first payment. On XXXX, XXXX and XX/XX/XXXXmade subsequent payments and prepayments all of which cleared. XXXX XXXX XXXX in-line payment system then began to process payments without a digit in my account number. This resulted in my bank not knowing which account to withdraw funds. When I inquired to XXXX, they stated it was my banks problem, which I was not. At their customer service departments direction I reset up my bank information, correcting the problem. Due to the multiple attempts to make a payment, my account was locked and I am being forced to make my mortgage payment by certified funds. This is expensive and not easy to do. My account t has never been past due and I have already made additional principle payments. There customer service, after multiple attempts, refuses to provide assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX Account # XXXX XXXX XXXX XXXX  XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX, XXXX Account # XXXX XXXX XXXX XXXX  Account # 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I submitted Police Reports, Identity Theft Affidavits and Social Security Administration Identity Theft Reports regarding a fraudulent mortgage from XXXX XXXX on my credit report. 

In XX/XX/XXXX, Transunion, XXXX  removed this fraudulent account from my report. In XX/XX/XXXX, XXXX  put this fraudulent account back on my credit report and now this account and XXXX  is causing great hardship on my livelihood. I am in the process of purchasing my first home and this account and XXXX  is causing harm to myself with much added stress.
Product: Consumer Loan

I sold my car to XXXX XXXX on XXXX XXXX. On XXXX XXXX, 2015 I visited the dealership again because Toyota Financial confirmed the car loan was still active. After arriving at the XXXX Dealership I spoke with XXXX XXXX, who assured me the dealership already had the title and Toyota Financial just takes a while processing the paperwork.On XXXX XXXX, 2015 I spoke with Toyota Financial again stating the account is still open, car title has n't been released and There 's an error on my account " Corporate customer advises not authorized "
Product: Mortgage

I was approved for HAF through state of Florida. 

Caliber had received past due amount from XXXX. They posted this on XX/XX/XXXX. They also received XX/XX/XXXX 's payment in early XXXX and posted the mortgage to my account on XX/XX/XXXX. 

I have tried to contact them via email and via telephone ( 2+ hour wait on phone ) to inquire about XX/XX/XXXX mortgage ( {$1300.00} ) that was sent to them on XX/XX/XXXX. I have now been assessed a late fee, although HAF has indicated the payment has been received and posted by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Agency doesnt have any investigation personnel. Experian only ask the furnisher to Update the dispute or remove the item. So most furnishers push update. Why not Experian does not regulate them. 
My issue is Experian let a debtor name XXXX XXXX enter an account for a credit card for XXXX XXXX that has a 1 month term and no late payment history and open XX/XX/XXXX then closed XX/XX/XXXX that will remain on credit report until XXXX. 
This is a Scam. XXXX XXXX is just telling Experian that they will pay them extra money to over look this item to not follow the law by not presenting a payment history, closed in what status Good never been late and the terms for the credit card says 1 month. Who has an 1 month term credit card from XXXX XXXX  as listed on my credit report and the beginning amount of the credit card is not listed? By Experian not having an investigation personnel for Debtor entering items on credit report the Debtor just pay Experian and they will place any thing on Creditor report. Experian took 20 points off my credit score and will not return them. 
I never open an account with XXXX XXXX  XX/XX/XXXX. XXXX, When an account is late- closed it takes 6-9 months before the Original creditor to close an account. Experian did not check dates. XXXX XXXX owes me money under the FCA and FCRA {$1000.00} Experian did this damage to my credit score it is your fault for not reading the documents Debtors send contracts that has no late payment history, 1 month term credit card by XXXX XXXX  stay on credit report until XXXX ( 5 years ) not Experian rule 7 year rule. Original Creditor does not list how many days late with a date of last payment and reason why closed also not following Public Act 6-9 month rule closing late payment accounts. This is why we have Identity theft because of Credit Reporting Agency. 
Document sent credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to filed in conjunction with complaint ID : XXXX for, I had submitted a dispute to Transunion regarding my issue with XXXX XXXX and this is the result of their investigation. The reason this wasn't included in the initial complaint is that I received this in the mail the day after I submitted my initial complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs. Credit fraud protection should be mandatory for every account, not something the victims should be responsible for.
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 : XXXXXXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Bankruptcy Account Number : 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, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  XXXX, # XXXX, and account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Vehicle loan or lease

Approaching end of lease and had scheduled a pre-inspection as detailed in the lease agreement for XX/XX/20. AutoVIN, provider of inspections for Chase Auto Finance ( XXXX XXXX XXXX ) cancelled all inspections nationwide as of XX/XX/20 with no info on when inspections would continue. Contacted Chase to see how this can be resolved. Per Chase, " At the time of your pre-inspection, you'll receive a link to an online condition report that will be available to view within about 24 hours. This will provide an estimate of the cost of repairing all excess wear and use items present on the vehicle. This information will help you decide if it's in your best interest to repair any of the items before returning your vehicle. You have the option to make repairs before turning in your vehicle. If you choose to make repairs, keep your receipts and contact us before returning your vehicle. We'll verify the repairs and apply any credits to your final lease-end bill. All repairs must be completed by a licensed repair facility. '' Because they are unable to provide the pre-inspection detailed in the lease agreement, I am unable to perform repairs I may deem necessary. I spoke with a supervisor around XXXX XXXX  MST and he provided no resolutions. He then started arguing that the pre-inspection is done before leasing the vehicle and the final inspection is after turn in. I directed him to the Chase website and read word for word what the site says regarding pre-inspections and he stated, " I do this everyday, believe me, the pre-inspection is before you lease the vehicle. '' At this time, I won't have enough time to perform repairs that may be necessary based on the pre-inspection that was part of the lease agreement.
Product: Debt collection

I was reviewing my credit report and found this on my credit. I do not have a account with Ad Astra Recovery which is reporting on my credit I am requesting this removed This is a violation of the fair  reporting act I have no con	ract with this company or there client. I wasn't even given any validation. /this is fraud I have no knowledge of this account. please delete.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted the necessary supporting documents and I implore you to conduct a thorough investigation into this matter without delay. It is imperative that you take immediate action to remove the fraudulent inquiries from my credit report,
Product: Mortgage

I changed primary bank accounts and was trying to update my automatic billing with Central Mortgage Company from the old account to the new account. There is no information about how to do this on their website ( there is almost no information on their website ). I tried calling their phone number and it was hard to every reach a person - there is no operator and automatic call system does n't cover automatic billing changes. Eventually, it took over 55 minutes to on hold to reach a person. That person told me to send my request along with my new bank account information over the " contact us '' form on their website. I was concerned because it did n't seem secure, but I did it any way. Central Mortgage Company never changed my automatic billing information, and the next month, my old account was overdrawn when the company charged for my mortgage. I called Central Mortgage Company again, and after 35 minutes on hold, I talked to a rude employee who emailed me a change of information for automatic billing. Because there is no easy way to be in contact with this company, I have no way of knowing if they will change my billing information or simply overdraft my old account again.
Product: Mortgage

I have been XXXX for the month of XXXX and XXXX for approximately {$3300.00} because my property taxes is {$10000.00} at 6 % for my home that is a new build that was bought for {$290000.00} and I got it fixed by doing my taxes application and got it fixed to 4 %. I have submitted this paperwork to the mortgage company and they will not allow me to pay the original mortgage payment approximately XXXX a month before the allotted taxes was attached. They do not give me the option to pay anything but I had to do a loss and mitigation application and they keep making it in complete after asking for more documentation of proof of income, and also proof of disability as I am a surviving spouse of a deceased veteran. The state tax assessors office takes 8 to 10 weeks to refund them back their money, but the escrow notices that they have been doing since the start of XXXX have not been adjusted correctly. As I am going through this process, my new homeowners insurance was attached for this year. When I called and contacted about the insurance because my escrows no - {$13000.00}. The supervisor told me that it was because nobody ever adjusted my property taxes from the first year of it just being the lot itself and they charge me for my homeowners insurance been at it for the first full year and he never charge me appropriately every month to pay it off by the end of the year. At the end of XXXX I still had - {$1800.00} roughly in my escrow and when they pay {$10000.00} to the tax assessors and put me XXXX in my escrow. Now this intern is why my mortgage payments are now {$3300.00} every month. I am now 60 days past due and Ive been getting letters today on XXXX XXXX XXXX of notice intent to foreclose on my home. I am XXXX XXXX XXXX with a XXXX year old. My husband passed away in XXXX no one ever acknowledged me about being able to fix it. The mortgage company can not even give me a clear answer is if they would adjust the past two months to what it would actually be after the money is refunded from the tax assessors office, nor will they allow me to pay anything for or towards my mortgage I must do the loss of mitigations application, which they claim is a repayment program, but can either become a refinance without changing my loan information, or attaching it to like the back of my loan. Please help me get this, resolved the tax assessors office. Can I forward or expedite the check sooner as they have a system in place. By the time the check is given to my mortgage company I will be in foreclosure process and I try my best to prevent that from happening. I have also applied to my state homeowners assistant rescue program, and they cant do anything until I had received a letter of intent to foreclose today, to expedite my case. It is very negligence of Carrington mortgage to charge me so much money at one time and not notify me properly about any of these changes and also never to have even charge me the proper amount for my home even at 6 % for my home. Carrington mortgage is not my original loan carrier. They bought out my alarm from XXXX XXXX XXXX XXXX of last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act XXXX Account # XXXX has violated my rights. 

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 a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account and or loan account under an open end consumer credit plan as late for any purpose.
Product: Credit card or prepaid card

I contacted Barclay around the first of XX/XX/XXXX because I was charged {$99.00} annual fee. The promotional offer was {$0.00} intro annual fee for the first year, then {$99.00}. 

Since this time, they have not removed the {$99.00} annual fee. The account was opened in XX/XX/2019. Today, XX/XX/2019, I spoke with XXXX who told me there was no " {$0.00} intro annual fee for the first year ''. I explained to him that I had the brochure in my hand and that it was advertised both on the brochure & on the XXXX XXXX flight that it was {$0.00} intro annual fee for the first year, then {$99.00} ''. He explained that there were several promotions and this was not one of them. I asked to speak with his supervisor to which he told me that they would " tell me the same thing. '' He then proceeded to tell me that the " NO ANNUAL FEE '' was effective for " XX/XX/XXXX '' only. NO WHERE on the brochure does it say that. It says to sign up before XX/XX/2019. 

I explained AGAIN that the REASON I signed up & the reason given to me by the flight attendants & brochure were for the following : 1 ) {$0.00} intro annual fee for the first year, then {$99.00}, 2 ) 60,000 XXXX XXXX XXXX Bonus Miles, 3 )  {$99.00} companion flight certificate, 4 ) {$25.00} back on in flight Wi-Fi purchases, 5 ) 25 % inflight savings, 6 ) Preferred boarding & free 1st checked bag, 7 ) Earn 2x XXXX miles for every {$1.00} spent on AA purchases, and 8 ) Earn 1x XXXX miles for every {$1.00} spent on all other purchases, 9 ) I would receive 500 bonus miles since I was a first-time applicant. All of this if I signed up before XX/XX/2019 ; which I DID! ( and all I needed to do to make this happen was simply to make 1 purchase! " Even if was a pack of gum '' as explained by the flight attendants. ) This is nothing but a racket and terribly disappointing by a major Airline who has chosen to partner with such a terrible financial institute. I want a refund for my {$99.00} that they charged me!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive called experian, XXXX and XXXX to try and get some if not all of my hard inquiries removed because I did not recognize or authorize more than half of the inquiries listed on my report. It has been an issue for awhile now, and I have been trying to raise my credit score for months but it is dragging the score down drastically. In the past year there has been multiple hard pulls on my credit that I have not authorized.
Product: Credit reporting or other personal consumer reports

I placed an order on XX/XX/XXXX form a merchant name XXXX for an amount of {$3000.00} and {$2200.00} totaling an amount of {$5300.00}. The merchant canceled my order due to their ( EXTERNAL FRAUD DEPARTMENT ) the merchant told me that they canceled my order and refunded me but the total amount which is {$5300.00} was never refunded back into my account, Instead it posted on my account. I disputed the total amount with my bank and brought it to there attention. They gave me a temporary credit of {$5300.00} but then a couple days later that temporary credit of {$5300.00} was reversed back into my account.

Leaving my account with a negative balance which I believe I shouldnt be liable paying for.

American Express canceled me out and closed my account. They then shared my information with a third party affiliated with American Express, but did so without my authorization and American Express did a charge off on my account and sold my information to a third party department which is illegal and I never received a 1099-C as required by the IRS. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I want to revoke any and all authorization I the consumer may have given written, non written, verbal, and nonverbal per 5 U.S. Code 552a.

I have email proof of me having conversation with the merchant when they canceled my order and they told me to contact my bank.
Product: Debt collection

In XXXX of 2020, a collection account of {$2600.00} from XXXX XXXX  XXXX being collected by NCB Management services showed up on my credit report. I have never Never used XXXX XXXX XXXX and before this collection account appeared, I had never even heard of them. I've tried disputing the collection account via XXXX  twice with no success and I've tried reaching out to both companies with no response. At this point, I have no idea how to remove this debt that does not belong to me from my credit report.