23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The companies for which I am filing this complain are all in violation of the law ; 15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other such as : ( XXXX ) In accordance with the written instructions of the consumer to whom it relates. 
These agencies need my written consent to add anything to your consumer report if I did not give this authorization ( for the clarity of this complaint I have provided no such consent ) that is a violation of the Fair Credit Reporting Act In addition the law 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports states : Except as authorized under subsection ( b ), 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. 

To remedy these violations I will be invoking the law ; 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; For the purposes of this complain I am demanding a retribution of {$1000.00} per violation found on my credit report
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report, and I do not recall giving consent for this inquiry. According to the Fair Credit Reporting Act ( FCRA ), any credit inquiry made without my authorization is a violation of my rights, and I request that it be removed immediately. 
Please investigate this matter and provide confirmation of the removal of the inquiry from my credit report. If you need any further documentation or information contact me. 

Please see attachments for dates and name of companies
Product: Vehicle loan or lease

I am writing today in regards to my account with Lincoln AFS Account # XXXX. The reason for my letter today is in regards to two late payments reported 1 in XX/XX/2020 and XX/XX/2020. These late pay occurred due to Covid which had impacted me. As soon as i was able to I got this account paid up.
Product: Credit reporting, credit repair services, or other personal consumer reports

After checking my credit report in XX/XX/2019, I noticed items on my credit report that did not belong to me. I tried disputing with the creditor to dispute the inaccurate information and make them aware of what I noticed on my reports. This has caught me by surprise as I never received collection phone calls pertaining to any debt that was allegedly mine. Later, I was able to get this information updated and even placed a fraud alert on my credit report to be cautious. I have never had a contract with Debt Recovery Solutions , LLC - I am not liable for the collection of the debt from XXXX as this is not mine. I have been disputing this inaccurate information since I was made aware via my credit report and they have not removed this information from my credit file. This has hurt me severely in regards to obtaining credit. Debt Recovery Solutions , LLC states that they have validated the debt, however, under the FCRA, they are required to provide a copy of the original creditor 's ( XXXX ) documentation on file to validate that the debt is mine ( which they have failed to do so ). Debt Recovery Solutions , LLC has not provided me with a consumer contract with my signature on it validating this debt belongs to me. I have been disputing this for a while now and this has hindered my credit file tremendously.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX Employer - XXXX XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX  XXXX Incorrect DOB : - XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX Listed below are the Inquiries that are being challenged XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX - XXXX XXXX XXXX XXXXXXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.SC. 1681 section 602.A States I have the right to privacy 15 U.S.C 1681 section 604A Section XXXX : States that a consumer reporting agency can not furnish a account without my written instructions.
Product: Debt collection

I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage.
Product: Credit reporting

XXXX/XXXX/2016 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX Experian XXXX XXXX, XXXX, TX XXXX To Whom It May Concern I sent a letter to XXXX creditors disputing unauthorized hard Credit inquiries removed as erroneous on XXXX/XXXX/2016 and mailed them certified, return receipt requested. ( attached XXXX Certified mail receipts and return receipts hard copy and original request letter ) 30 days already pasted and creditors not responds my requests. 
Per the Fair Credit Reporting Act, Section 661 ( a ) ( 5 ), creditors have 30 days to investigate disputes. If they can not verify the information within the 30 day time period, you must delete all of the dispute accounts from my report. You must now delete the dispute and unverified accounts failure to do so can result in a {$1000.00} fine per undeleted item. 
Unauthorized Hard Credit Inquires Creditor Inquires Dates XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX XXXX XXXX / XXXX XXXX / XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX / XXXX XXXX Thanks in advance to your timely response to this request ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There Is an account being reported by the Creditor in Which I Did not open or authorize to be opened. I Have reported this several times to the creditor in hopes that they would Investigate and remove this account from my report. The creditor is also reflecting different information to two credit reporting agencies. XXXX has that this account was opened on XXXX and Equifax has reported that this account was opened on XXXX. Because this information is incorrect, and I did not authorize this account to be opened I would like the account to be deleted from the credit file as it is impacting my reports negatively with incorrect information.
Product: Credit reporting or other personal consumer reports

I had identity theft student loans and a lot of other credit accounts was attitude my credit report I have attempted to remove them several times with the credit company Equifax TransUnion and Experian it has brought my credit score down brought me lots of hardship unable to apply and live my life they have cost lots of money can somebody please remove the student loans and negative accounts I have four Department of Education Loans that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

experian has a adress of XXXX cr XXXX XXXX tx XXXX listed as an address on my report. I have not lived at that address and have asked several times to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Myself and my husband refinanced our current mortgage with XXXX. We decided to stay with XXXX as the process would be easier and it was only to reduce the interest rate. We signed our final papers with a notary on XX/XX/XXXX. The loan was funded on XX/XX/XXXX. XXXX XXXX acknowledges this. But they reported our old loan # XXXX as 30 days late. We were told by XXXX XXXX to not pay XXXX because we would close before the end of the month to which we did. Our new loan # XXXX was effective XX/XX/XXXX with our first payment due XX/XX/XXXX. Not only did XXXX XXXX  report us late, but our old loan still shows open. Our credit shows that we have {$780000.00} in mortgages. They have never closed the old loan out. These 2 errors from XXXX XXXX has severely affected us. As a result of this, 2 credit cards we have have reduced our limits because of this.
Product: Credit card

Made an international online purchase for {$180.00} on XX/XX/year>2025. Ordered an outfit and a matching bag. The bag came damaged and the outfit came with the sleeves attached. I had ordered a sleeveless dress. When I reached out to the merchant they told me that they would get back to me with a resolution. The merchant then had disappeared. I tried calling them via XXXX multiple times ( they kept declining my calls ) messaged them but did not hear back from them. When I told them that I would reach out to the credit card company for a dispute since I hadnt heard back the merchant they then messaged back saying that they will send me an American address and that I should return the dress on that address. They didnt even send the address. 


Next step I took was I reached out to the ally credit card company. I provided them with all the documentation which they had asked for and was told that they would reach out to me if they needed any further documentation. I did get a couple of letters stating that this case is still under investigation. Since I hadnt heard back from ally with a decision I reached out to them yesterday XX/XX/XXXX and I was informed that they had closed my dispute case and that I was denied for a refund. Upon asking what was the cause they said I didnt send them a picture of the item which I had originally purchased and the item I had received. Ally did not even ask about those pictures throughout this whole investigation period. They closed the case without reaching out to me for any additional questions or pictures which were needed. If ally had done their investigation right they wouldve seen in the screenshots of the chat where Im clearly telling about the items I received and the merchant had accepted their mistake. Ally did not handle this case well. I was not informed until I made that call. They did tell me that Im able to reopen the dispute case. This is another hassle for me as i should not have to go through this pain again just because their department is not capable of handling the case right. Also the last representative I spoke to had little to no knowledge about how I can reach out to them through the message center. Even though shes the one who told me about the XXXX options about reopening the case. 


Please help and assist me to help resolve the case with the bank. If needed I can provide you guys with any documentation needed. Thank you
Product: Credit reporting or other personal consumer reports

This is a reply to the email you sent to me about the documents I submitted not being valid. 


File Number : XXXX Date Issued : XX/XX/2024 We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you. 

Re : Fraud Block Request Declined - Document Submitted Not Acceptable We received the fraud block request you recently sent to TransUnion. TransUnion takes cases of identity theft very seriously and investigates all such allegations thoroughly. However, we are unable to block the information you have identified because the document submitted does not appear to be a copy of an official, valid identity theft report.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX  {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXXXXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$240.00} XXXX XXXX XXXXXXXX XXXX XXXX  {$0.00} XXXX XXXX XXXXXXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX {$0.00} 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: Mortgage

Chase advised that they were working on a workout plan with me and during the workout option I was never notified that a foreclosure date was set. Chase representative advised that the workout plan was still in process and that no foreclosure date was set and that they extended the delivery for the documentation until XX/XX/2019. Chase has not been transparent throughout this process and has led me and my family into an ambush. Chase also advised that because of the XXXX that they sent to me a week prior to dissolving the workout plan, that they never mention was in jeopardy of being dissolved, that they had already set the date and left it up to the attorney 's office to notify me regarding this. I never received any notification from neither Chase nor their attorney.
Product: Credit reporting or other personal consumer reports

The distress stemming from this situation is tangible, affecting my XXXX  quality and leaving me unsettled. The discrepancy feels difficult to reconcile with my consistent payment history.
Product: Checking or savings account

Second time receiving a notice of an account being opened or signing up for an account with Bank of America without my knowledge or consent.
Product: Credit card

Got random email from XXXX Deleted it. Received package and bill for XXXX. Returned per XXXX after calling them. Yes I gave them too much info. Learned later this is a scam. I now have a bill for XXXX from suppose to be wards. Haven't recieved a bill but out of town right now.. The credit limit was XXXX. The phone number doesn't match the online wards number. There was no account number on the XXXX XXXX  report. This is a made up bill. XXXX XXXX XXXX is the number they are using to scam people. My credit has dropped since this happen.
Product: Credit reporting, credit repair services, or other personal consumer reports

Called the company serval times to let them know I was payed of if work and to use the program I was in to defer payments and no late fees be added. They lowered my payment and still put late fees on account. Santander Consumer Usa was sued for this in the past. I paid this account off and they still report late payments. 

In accordance with the fair credit Reporting act XXXX XXXX XXXX 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 under 04s.1 open end consumer credit plan as late for any purpose.

455
Product: Credit reporting, credit repair services, or other personal consumer reports

After reading credit report notice late payment that are inaccurate.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXXXXXX XXXX XXXXXXXX XXXX, AND XXXX were never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXever sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

Westwood services called my mother threatening to come to my job if I don't contact them, They said they were delivering papers to my home, and kept calling from a restricted number, The number of the company is XXXX. The guy XXXX that I spoke with wouldn't provide their company info or their address. He would only try to lure me on saying that I owe a debt that I didn't owe. When I asked him to send the alledged paperwork in writing he became irrate. I don't owe the debt, and I wish they would stop harrassing me.
Product: Credit reporting or other personal consumer reports

I see that XXXX and Equifax has removed XXXX off my consumer report and it is proof of my claim but has not yet compensated me for the pain and suffering and also violations. If can't resolve this issue I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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  Account Number : XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

EMONEYUSA HOLDINGS LLC is reporting a balance due for an account/loan I never requested. I have no knowledge of this account and am requesting that they be investigated and the account be removed from my credit.