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

The Experian Credit Bureau is reporting a different information from the other bureaus. The account XXXX XXXX XXXX Balance : {$3000.00}, was never late and I always make my payments on time. This account is only reporting as late in Experian Credit Bureau. If Experian 's record keeping had been accurate, this account should have never been late. The Experian credit bureau is required to authenticate this account under the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account. Per FCRA, reporting of account information must be accurate ; I need this account updated immediately.
Product: Credit reporting or other personal consumer reports

I am writing to you once again regarding the unresolved dispute concerning several erroneous credit collection accounts on my credit report. Despite my previous efforts to rectify this matter, the accounts listed under the following numbers : XXXX Account Number # XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, and XXXX Account Number : XXXX  that I was only a authorized user on should not be on my report XXXX XXXX account I was only an authorized user on should not be remain on my report, in direct violation of federal laws and regulations. 

I have previously referenced these disputes under # XXXX and # XXXX. As per the Fair Credit Reporting Act ( FCRA ), specifically outlined in 15 USC 1681 section 602a, consumer reporting agencies are mandated to uphold their responsibilities with fairness, impartiality, and utmost regard for the consumers right to privacy. Moreover, 15 USC 6801 reaffirms Congresss policy that financial institutions must respect customer privacy, including the non-disclosure of nonpublic personal information to non-affiliated third parties, as stated in 15 USC 6802 ( b ) ( c ).

Furthermore, 15 USC 1681A ( i ) stipulates that consumer reports must exclude reporting transactions without the explicit written consent of the relevant consumer. Equifax, XXXX, and XXXX currently lack my consent, whether verbal, non-verbal, written, implied, or otherwise, to furnish this information. This withdrawal of consent is explicitly asserted. 

Moreover, as per 15 USC 1681C ( a ) ( 5 ), no consumer reporting agency may include adverse information in a consumer report without authorization. The re-reporting of these accounts without my permission constitutes an adverse item, thus contravening the Act. 

I am once again demanding the immediate removal of these erroneous accounts from my credit report. Failure to comply with this request will leave me no choice but to pursue legal action against Equifax, XXXX, and XXXX for the violation of federal laws, including the FCRA and other relevant statutes. 

Additionally, if these accounts are not removed promptly, I will have no option but to file a report of identity theft against credit bureaus as the inclusion of nonpublic information that was never authorized for display constitutes a serious breach of privacy. 

I trust that you will take prompt and decisive action to rectify this matter and restore the accuracy of my credit report. I look forward to your swift response and resolution of this issue.
Product: Mortgage

I was in forbearance and have been trying to close it out since XXXX of 2021. It is now XXXX and the company has sent 7 or 8 different close out packets and is maliciously keeping me in forbearance. I have spent hours on the phone with them trying to clear this up, hours with notaries signing documentation. I need my close out letter immediately. They never have answers and keep giving me the run around.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>2025 I called TransUnion to try disputing a fraudulent hard inquiry on my credit report. The representative told me I had to mail in a dispute for hard inquiries and that this could not be done online or over the phone. The supervisor then told me hard inquiries can not be disputed at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the third time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This morning, I noticed unauthorized inquiries on my credit report that I can not explain. I checked as usual and was surprised to see discrepancies. I refreshed my browser, hoping it was a glitch, but the inquiries remained. I am deeply frustrated and urgently request a thorough review of the documents I've sent so that I can put this matter to rest for good.
Product: Debt collection

On or around XX/XX/XXXX I spoke with a supervisor at Spring Oaks Capital ( SOC ) regarding a settlement of a XXXX XXXX XXXX  for {$12000.00} and the debt would be considered paid in full and I would received the title. My mother agreed to loan me the money and provided their banking info to Spring Oaks Cap for the full amount of {$12000.00} to be drafted XX/XX/XXXX. On XX/XX/XXXX, the full amount was drafted successfully. 
-On or around XX/XX/XXXX I inquired of the success of the wire transaction and requested a letter of confirmation and approximate date when I could expect the title, -On or around XX/XX/XXXX I again contacted SOC regarding the title and was told it was on its way. Needlessly to say the paper work from SOC hadn't arrived in the mail. 

-On or about XX/XX/XXXX I again contacted SOC regarding the title and was told it was mailed XX/XX/XXXX and that they would have to mail another copy because the system only generate every 30 days. 

-On or around XX/XX/XXXX I informed SOC that I still had not received any documents, title, lien release and needed some proof from them to registered the car which at this time SOC emailed a letter " ACCOUNT RESOLUTION CONFIRMATION '' to me. 

-On or around XX/XX/XXXX I again contacted SOC and again was told the title/lien Release was mailed XX/XX/XXXX and I might need to contact XXXX for the actual lien release. 

-On or around XX/XX/XXXXXXXX  I contacted SOC again and was told the same lie, it was mailed XX/XX/XXXX and as of today, nothing in the mail.I also had visited DMV and was told that I could emailed to SOC a lien release form that they could simply complete and file with the Clerk of COURT, which I did. 

I feel that SOC has no intentions of releasing the title or lien and as a result DMV states the car will remained unregistered until the lien release is issued,
Product: Credit card

On XX/XX/XXXX my credit card was physically stolen by an individual and was used in multiple purchases that were not approved by myself. purchases were made in in the following transactions 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I reported the above fraudulent transactions under code for unauthorized use / stolen credit card to Discover in XX/XX/XXXX. Discover Services noted that they would look into it and to call back when a Police Report was filed. I filed a Police Report with both XXXX Police Department ( XXXX ) and XXXX Police Department ( XXXX ) as well as with the FBI IC3 ( XXXX ) and reported the police report numbers to Discover Services as well as the information provided by the respective detectives involved in XXXX XXXX. At no point did Discover Services investigate the complaint properly, contact any of the respective police department or make any additional efforts to contact me other than ( 1 ) call to clarify information. They made zero effort to properly investigate the fraudulent purchases and noted that they had closed the complaint in the favor of the merchants involved with no further requests for any copy of information to include police reports as to support a claim of fraud or theft. The other credit card agencies involved DID contact the police departments involved and confirmed a racketeering/international scam being committed by the individuals involved and refunded me for other fraudulent purchases. Discover Services was the only provider who did the absolute minimal amount of work- had no contact for over 60 days and only once they reached the last 30 days of their timeline, hastily closed the investigation with no effort on their part to investigate the claim made between XXXX and XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

LexisNexis is reporting false, incorrect and inaccurate information to all three ( 3 ) credit bureaus. They have a total of 3 bankruptcies on my file. I 've never filed bankruptcy. Let alone 3 of them! They claim they received the information from the courts. The courts do n't verify or release any information. ( Privacy laws ) LexisNexis never verified any information they are reporting on me. They are making profit off of false information and it has had a huge impact on my life. It 's against the law per the FCRA.
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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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

XX/XX/XXXX to present. Creditor, XXXX XXXX XXXX XXXX, is reporting outdated information in remarks which are reflected on TransUnion LLC credit report. 
XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX ( XXXX ) XXXX Date Opened : XX/XX/XXXX Responsibility : Individual Account Account Type : Installment Account Loan Type : AUTOMOBILE Balance : {$0.00} Date Updated : XX/XX/XXXX Last Payment Made : XX/XX/XXXX High Balance : {$19000.00} Pay Status : Current Account Terms : Monthly for 60 months Date Closed : XX/XX/XXXX Remarks : CH XXXX REAFFIRMATION OF DEBT ; CLOSED XXXX XXXX - XXXX. XXXX, XXXX is reporting in comments that the account was reaffirmed in a Chapter XXXX ( filed XX/XX/XXXX and discharged in XX/XX/XXXX ) and the account is closed. Credit reporting agency is showing these credit comments. 
XXXX XX/XX/XXXX Credit Reporting Agency and Creditor were requested via telephone call and dispute process to remove the outdated remarks being reported. A Chapter XXXX was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Creditor account was opened in XXXX and paid in full in XXXX. 
XXXX XX/XX/XXXX Creditor phone call regarding email. Creditor refuses to remove remarks because they claim it is accurate. The information is outdated and reflects a Ch XXXX after 10 years and discharged. 
_______________________________________________________________________ XX/XX/XXXX Credit reporting agency continues to show the remarks from the creditor who refuses to remove the remarks and the remarks are reflecting outdated information about a Chapter XXXX over 10 years old. 
_______________________________________________________________________ Per the Fair Credit Reporting Act, consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old or bankruptcies that are more than 10 years old. In  this case, they are reporting the remarks from the creditor that shows CH XXXX bankruptcy after 10 years discharged. The creditor and the credit reporting agency will not remove the outdated bankruptcy Chapter XXXX remarks, although accurate, I did file a Chapter XXXX and reaffirmed the debt in the bankruptcy, but the information is outdated ( a violation of the FCRA and discriminatory towards me, as it is reporting a Chapter 7 over 10 years after the filing and discharge in XXXX - in XXXX.
Product: Credit card or prepaid card

I took advantage of the zero apr on purchases on my city premier credit card. Ive always paid way above the minimum payment. Generally I would pay around {$1000.00} a month. I was charged a {$95.00} annual fee and was charged interest on that fee Even though I paid off XXXX se

nd a minimum payment plus the annual fee. My next issue is that when my end of term for the 0 % APR offer arrived, I call Citibank and spoke to a representative and she gave me the exact amount that I need to pay to prevent being charged any interest. I paid that amount which was my current balance. Now I see that there is an interest charge on my account. I normally never take advantage of credit card offers as Im scared of them taking advantage of a consumer. Now I see that is indeed true. Its unethical and plain wrong to have these hidden terms and fees being charged to a consumer that did his due diligence to prevent fees.
Product: Credit reporting or other personal consumer reports

This loan does not belong to me. This loan was initially placed. on my report with incorrect/inaccurate information. When asked for verification, it was updated show a balance. Please remove this from my credit report.
Product: Debt collection

A charge off is considered a certificate of indebtedness which means it is income and must be removed. 

Account Number : XXXX I recently came across information related to charged-off amounts and their implications under the Internal Revenue Service ( IRS ) regulations. 
According to the IRS Article, a charge-off is considered a certificate of indebtedness, which means it is treated as income and, therefore, eligible for removal from the records. In light of this information, I kindly request XXXX XXXX XXXX assistance in reviewing the status of the charged-off amount associated with my account. Additionally, Opt-Out Request Under the Fair Credit Reporting Act ( FCRA ) was sent to cease all negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexus Nexus refuses to send me a copy of my consumer report. They Hang up on me, refuse calls, never send report as promised, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a previous complaint concerning a violation of my consumer rights per 15 USC 1681b ( a ) ( 2 ) ; as the company was unable to produce documents that state I gave written consent to report information concerning a XXXX XXXX account. Additionally, the information regarding the account is both inaccurate and incomplete which is also a violation according to15 USC 1681i ( A ) ( 5 ).
Product: Prepaid card

My card was used to make 12 withdrawal transactions of {$200.00} each and the card company will only approve the disputes for four of these charges! This is completely unrealistic and unfair seeing as I did not make any of these transactions and this {$2400.00} total was completely stolen from me and they are only willing to refund {$800.00} of it. This began taking place on XX/XX/2024. For transactions for {$200.00} withdrawals were on XX/XX/XXXX, four of them on XX/XX/XXXX, and for them on XX/XX/XXXX. I do not know at what time these occurred as the app does not show what time the transactions took place! I disputed all XXXX transactions individually and they will only approve for and none of them were made by me or authorized by me. This is the poorest debit card company I've ever encountered as many things on the debit card app are improper English grammar like they are written by someone foreign and every time I try and speak with some customer service Representatives it is a foreign person with a heavy accent that is of no help and tells me the same thing is over and over. This company representative is also tell me that I can only speak with the fraud department through email which seems fishy. Anyone who has a debit card by fintwist from Comdata I advise you to move your money into an actual account where you can speak with people and never use this company ever in your life.
Product: Student loan

XXXX XXXX XXXX XXXX had closed there doors in XX/XX/XXXX which myself ( XXXX XXXX and my Daughter ( XXXX XXXX ) never new. XXXX XXXX wanted to go back and finish her degree but she couldnt do to the school was closed. XXXX took time off of collage in XX/XX/XXXX do to her having XXXX XXXX and she lost her nana and a good friend. I tried to talk to Navient about this collage closing and trying to get this parent loan of a XXXX dollars a forgiveness loan do to my daughter not getting her degree. Navient told me I couldnt get this forgiven end less I pay XXXX. Dollars for 6months en then it might be forgiven and I said there is no way I can pay this do to I lost my job do to XXXX lost there big XXXX account which they had to let everyone from US and XXXX go. I did get another job ( XXXX  ) but I only put in 20-30 hrs a month. I feel Navient is a big scam. How r u aloud to give a big loan and not check ur credit and income.
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX am a victim of identity theft and fraud. EQUIFAX IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY 3RD ATTEMPT WRITING EQUIFAX ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT.
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. 

Account name : XXXX  XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, has violated my rights.

1

5 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

XXXX, XXXX, EQUIFAX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : 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 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
Product: Credit reporting or other personal consumer reports

I had received letters in mail from some collection agency in the past couple of years that I thought were fraudulent and did not respond to except for the last one a few months ago. I tried to call the number on the letter and got a different company. Seems like it was an energy company and not the company on the letter. I have never requested a personal loan from Advanced Financial XXXX for {$300.00} or any other amount and decided it was a scam trying to get me to pay to get rid of them. I don't have any debt and pay my credit cards off monthly. 
Recently, XXXX XXXX XXXX put a negative comment in my credit report that I did not pay this debt, which was {$910.00} with fees and interest. It dropped my credit rating from the lower XXXX range to upper XXXX range. I assume they bought the debt or somehow ended up as a collector for Advanced Financial. Bounce AI was contacted on XXXX and XXXX and told I was disputing the debt. They said they would put it in dispute and send information to my email address within XXXX hours but it was not received as of today ( I checked XXXX also ). 
I contacted XXXX today to start a dispute and they had me start a fraud dispute with XXXX which directed me to you.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX i have gotten scammed on XXXX, i was in the process of buying a car and the seller deleted her whole account, on the XXXX ive decided to escalate the dispute since Credit karma declined the XXXX time on the XXXX, with evidence included, and they still gave me they still declined to chargeback or file a dispute.
Product: Debt collection

My account was closed and sold to another company.I didnt hear this company permission to my information.The company calls and mail me harassing letters about sueing.I have explained to them that I know nothing about there company and to stop calling but it continue to go on.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I apply a XXXX XXXX XXXXXXXX Credit Card. ( reference number : XXXX ) On XX/XX/2021, Bank XXXX XXXX pulls my Experian credit report ( hard inquiries ) required to establish a credit decision. On XX/XX/2021, I received a letter from the credit card institution requesting more information to finalize the credit card application. On XX/XX/2021, I sent the requested information back with certified mail. 
( USPS : XXXX ). On XX/XX/2021, they received the documents : please see attached documents, but fail to process the application immediately ; however, I provide the documents in less than thirty days as requested in the letter. On XX/XX/2021, I received a credit bureau ( EXPERIAN ) alert related to XXXX XXXX XXXX Hard Inquiries related to the same application. I believe the second hard inquiry violating the Federal Law for the following reasons. The first inquiries an authorized on XX/XX/2021. The second inquiry, I do not allow for the same application. The bank internally makes second inquiries ; they received all the documents less than thirty-day ( SeXXXX mail obtained time stamps and USPS evidence ) however fail to process the application as required by federal law.