23daVinci/CFPB_Complaints huggingface dataset:
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. 

XXXX XXXX XXXX  XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX  # 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 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: Vehicle loan or lease

I have been trying to refinance my loan away from Ally Financial, and they will not provide documents requested. Ally is either ignoring requests, or saying they do not have documents, such as a copy of the title, in which the sale completed 6 months ago. This is costing me money everyday, and coincidentally, is making them money by ignoring me. Ally is scamming it customers in connection with its business partner XXXX and not sending documents in a legal amount of time, neither company should be allow to continue scamming customers.
Product: Credit card or prepaid card

Capital One is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.
Product: Debt collection

I applied for credit and was denied due to an unknown collection. I was forwarded a copy of my report and noticed the fraudulent account. I have tried contacting the debt holder and can to no resolution. I am a victim of identity theft!
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Zingo Cash Illinois company opened XX/XX/2017 continues to inaccurately report this account to the credit bureaus under my name. I have sent several certifies letter asking for removal with no corrections noted, as stated in my certified letter this account is being listed and reported as a duplicate as it is already a part of my public record and has been legally discharged and the company has agreed to remove, please refrain from continuing to report this account
Product: Debt collection

I am aware that I owe the debt, originally to XXXX. On the first call to me by the Debt Collector, Credit Management, LP., I entered into a monthly payment arrangement, making the first payment during this conversation. After that I began receiving phone calls beginning with the usual caveat about the conversation being recorded, etc. Finally I had had enough and I told the caller I was current with my payments and to stop harassing me. Now I am receiving one or two calls a day. My caller ID shows the phone number XXXX and the location " United States ''. If I answer, there is no one there or occasionally I hear voices in the background. My current balance is approximately {$50.00} which I will pay in full when I receive my Social Security payment. The collection agency is Credit Management , LP XXXX XXXX XXXX, XXXX, TX XXXX. I hope my credit is not damaged by this collection company since I am making payments. Thank you.
Product: Debt collection

I am victim of identity theft of personal information being used without my consent. XXXX warned me that my personal information was leaked in the dark web over XXXX times. Someone retrieved my personal information from the Dark Web and signed an lease in my name and used my personal information to obtain the apartment located at XXXX XXXX XXXX. 
The charge was placed on my credit file in XXXX and I have been disputing this charge with XXXX XXXX XXXX account number XXXX. The amount that was placed on my the credit bureaus is in the amount of {$18000.00} There has been an eviction placed on my credit filings causing my XXXX XXXX XXXX XXXX  They have called harassing me several times and continously mail letters to attempt to collect payment. Although my XXXX XXXX is good I have been denied buying a home through XXXX, denied apartment renting and other forms of obtaining credit due to this. It has made my life a living XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX Balance Owed : {$20000.00}
Product: Debt collection

I am in a payment arrangement with Jacob Law Group in XXXX, MS . Calling to make payment results in degrading conversations and an insult to my intelligence. I have repeatedly tried to speak with management to no avail. I have also spoken with the Justice Court Judge involved in the matter. Nothing has changed the behavior or tactics of this Collection Agency. Their treatment of individuals is cruel and inhumane. I should not be humiliated just because I am honestly and legally trying to pay off a debt.
Product: Credit reporting or other personal consumer reports

I noticed discrepancies in my credit report under 15 USC 16c-2. The hard inquiries listed were not approved by me. Please delete these unauthorized entries at once.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2022 credit reporting agency Equifax continues to violate my federally protected rights under the Fair Credit Reporting Act 15 USC 1681 by reporting fraudulent consumer credit transactions that are due to identity theft. 15 USC 1681c-2- Block of information resulting from identity theft states that except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 days after the date of receipt by such agency of - ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. Having this knowledge Equifax needs to exercise their grave responsibilities with fairness, impartiality, and respect for the consumers right to privacy by immediately blocking the accounts that are a result of identity theft from my Equifax consumer credit file and report. The purpose of the Fair Credit Reporting Act is to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of 15 USC 1681. I have attached all requested proof of identity, a copy of identity theft report and notarized identity theft affidavit, identification of the identity theft information that appears on my Equifax consumer credit file, and a statement by me the consumer that the information is not information relating to any transaction by me. 

I AM A VICTIM OF IDENTIY THEFT!
Product: Mortgage

On XXXX I received a {$25000.00} loan from XXXX XXXX XXXX XXXX XXXX to fund a new construction pool at my residence ( XXXX XXXX XXXX XXXX XXXX AZ XXXX ). The loan number is XXXX and was funded on XXXX. On XXXX XXXX XXXX filed a 'Deed of XXXX ' with XXXX XXXX and the recoding number is XXXX. 

On XXXX I took a {$65000.00} second mortgage with Ditech XXXX XXXX Mortgage XXXX XXXX Ditech loan number XXXX ) and they paid off the XXXX XXXX XXXX XXXX XXXX loan listed above. However, XXXX XXXX did not submit a 'Deed of Reconveyance ' with XXXX XXXX after the loan was paid. 

I can not sell my home and/or refinance my home with this lien/deed of trust still active. XXXX XXXX has since changed names to XXXX Bank and I have tried multiple times to contact them with the phone number provided on their website for customer service. The customer service representatives I have spoken to have no knowledge of the original loan in question since it is not listed in their database.
Product: Debt collection

To Whom It May Concern, The reason for my dispute is CONVERGENT OUTSOURCING # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA XXXX FDCPA. Also, XXXX XXXX XXXX failed to give me my " Mini-Miranda '' XXXX days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) XXXX XXXX XXXX failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violationXXXX XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where XXXX XXXX XXXX is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police XXXXI need this collection account to be removed from my credit report.XXXX  XXXX XXXX has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Debt collection

Penn Credit is trying to obtain money from me that I do not owe them. I called XXXX XXXX XXXX ( Original Creditor ) to get information on the account and they have no documentation or any paperwork that they can send me that can prove that I did not open this account. I explained to XXXX XXXX that this is fraud and I would like to fix the matter. XXXX XXXX told me that they could not do anything about it anymore. I have disputed this account with the credit reporting agencies XXXX, XXXX & XXXX and explained that this was Identity theft and the company does not have any documentation or any paperwork that would show that I did not sign up for utilities and that my signature would not be located on any of these documents. The dispute did not remove the items and they are still on my credit report pulling my score down. I contacted Penn Credit and the Customer Service Representative was not helpful either. All they have is a document showing that my name owes XXXX XXXX money but this is completely unacceptable. Someone used my information to open this account and I would like this item removed from my credit reports. It does not seem logical that there is n't an identity verification process that would verify the identity before issuing a line of credit ( Post pay Utility Credit ) to someone. This Debt does not belong to me and is Fraud and I would like to know what needs to be done to fix this issue so that my credit Report will be accurate.
Product: Mortgage

The mortgage broker tried to get us to sign off on the loan documents before providing us with the requisite closing disclosure being provided three days before closing. This resulted in the closing being delayed. When we raised objections we were told that the firm operated this way as a standard practice. Only after reminding them that the firms policies indicated otherwise did they comply. However, this resulted in our credit score getting additional hits/inquiries that were not necessary and resulted in us getting denied for other credit later ( " too many inquiries '' was the reason provided ) Secondly, sensitive documents that we provided were handled by people either not appropriate licensed or trained. Multiple times we were told that documents had not been provided when they had. This makes me wonder about the confidentiality, integrity and availability of sensitive information at the company. When we complained we were told that the firm did not have the capacity to handle the volume of requests. 

Furthermore, this same lender ignored followup on the loan origination process the first time around. Documents were uploaded as requested but no one from the brokerage checked or validated them. It is only when I followed up that I was told that due to the delay an additional credit inquiry would need to be run. This decreased my score further, delayed my closing resulting in loss of savings among other losses.
Product: Credit card or prepaid card

I was offered this credit card with no fee or interest for one year. It's been 5 months and now they are charging me {$28.00} as a Fee
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the independent agencies to make sure the reporting was accurate however it is not and even though I did this I have not been able to get this corrected. I have submitted letters to the agencies independently stating my case. I have recently sent this request to the court that I filed with to correct this as well.
Product: Credit reporting or other personal consumer reports

Finding out that false personal information and unapproved credit queries had been done without my knowledge or agreement completely shocked and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I insist that the creditors take prompt action and be transparent. In addition to providing pertinent application materials and proof of express authorization for each inquiry, the creditors are required to give comprehensive details about each inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. I am attempting to do my due diligence to improve myself and my families life. This account is hurting my ability to obtain credit. Its my understanding that Trans Union, Experian & Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

While recently applying for a mortgage I discovered an erroneous collection account on my credit report. The collection agency provided me with a letter and an AUD number to have the account deleted from all three credit bureaus. XXXX XXXX and XXXX immediately deleted the account. Equifax refuses to do so. I have spent hours on the phone with them to no avail. I have provided them with the letter from the collection agency as well as screenshots that the XXXX of operations from the collection agency provided me showing both deletion requests that were made on the E-Oscar system. Equifax claims that they do not have access to the AUD number or the XXXX XXXX system. Having this account on my credit file is lowering my credit score by over 100 points and it is making me unable to qualify for an affordable mortgage. I have pleaded with the company to consider the information that I have sent them, but they refuse. Moreover, it is nearly impossible to call and clearly communicate with anyone that answers the phone at this company. XXXX is not their first language. I fear that the communication issues are further complicating this problem. I have attached the deletion letter as well as the screenshots from the e-oscar system.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please block/remove the following accounts completely from my Credit Reports : XXXX XXXX  XXXX Date opened XX/XX/2021 Balance {$420.00} XXXX XXXX XXXXXXXX Date opened XX/XX/2021 Balance {$560.00}
Product: Credit card

On Wednesday XX/XX/year> I received an email from Chase Bank stating Thanks for applying for a Chase credit card. Within the email it states Well review your Chase Freedom XXXX XXXX application and be in touch soon. I have never applied for a Chase credit card at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian and XXXX both refuse to correct erroneous information on my credit report. 

My account was paid in full and closed XX/XX/XXXX. 

They are reporting ai had a late payment XX/XX/XXXX. I did not even have an open account
Product: Credit reporting or other personal consumer reports

I had 3 dormant XXXX  XXXX accounts. Accounts XXXX, XXXX, XXXX I started getting calls regarding balances and then found out these accounts were being used, cards being sent to an address in Louisiana to a place I did not know. My idendity was compromised when documents were stolen from my mother 's business. We did file a police report and have place a credit freeze and fraud alert on my reports. I continue to have problems getting these accounts corrected, they also have a late payment on one of the accounts which is inaccurate because there should have never been a balace. These accounts were closed by XXXX XXXX which further hurts my personal credit and these accounts were being used without my knowlege or permission. I request they be removed due to the status, blocked and any derogatory information be deleted.
Product: Credit card or prepaid card

Bank of American is purposely misleading on their auto-pay setup process so Consumers like myself can not understand what proper selections to make to pay off your " Statement Balance '' each month to purposely mislead you and charge you interest. 

When setting up auto-pay on the Bank of America credit card, the only " Amount '' options are : - Amount Due - Minimum Amount Due - Account Balance - Fixed Amount None of these options *clearly* state or clarifies to me ( the Consumer ) that I am selecting the option to pay off my " Statement Balance '' on a monthly basis and it is purposely setup in this manner so I ( the Consumer ) makes a mistake and has to pay them ( Bank of America ) interest. 

Due to this confusing language, I had to call Bank of America to figure out how to setup auto-pay. The agent also was confused by the setup and had me set it up incorrectly and I was charged interest on my next bill. If Bank of America customer service themselves are unable to distinguish between the options then how am I ( the Consumer ) supposed to figure it out?! 

All the other major credit cards that I have XXXX XXXX XXXX, XXXX, XXXX, and XXXX XXXX clearly state in their auto-pay setup the option to pay " statement balance '' without any issues.
Product: Mortgage

XXXX requires use of its owned mortgage company. XXXX misleads consumers into thinking it is required to use its mortgage company. XXXX  ignored me for several weeks when I was attempting to follow up and use a different lender. Eventually, XXXX  said it is permitted to use my own lender. I asked XXXX  if they will change their policy as to other consumers and they did not respond. I conferred with State Department of Real Estate and they said it would be more appropriate to complaint herein.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, Equifax has data breach. I have some open account and am somewhat worried about identity theft. News was released that some equifax managers committed insider trading meaning they sold stock before the information about the data breach was made public. I then understand the company is run by greedy XXXX who do n't invest in good security and am glad data breach happened just not glad my info could have been stolen. I used equifaxes website to see if I was affected and got back a maybe so I planned to sign up to use their free 6 month credit check however these XXXX will waive your right to be apart of a class action law suit against them if you do use their service. I plan on using free services to avoid identity theft and will enjoy seeing how much this company will XXXX in the coming months.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kimball, Tirey & St John LLP, The collection company reported an outstanding balance of {$1300.00}. Although they have been told that litigation is in process and they should not report the debt to my credit till the court take a decision on or after XX/XX/XXXX the hearing date. 

The report caused damages to my business and personal financial needs. 

Attached is a letter they keep sending. along with the court documents.