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

Lexis nexis, XXXX, and XXXX has violated my privacy which is a violation of the FCRA. Lexis Nexis continue to list a dismissed bankruptcy as confirmed. I am aware that Lexis Nexis receive their information from a third party verification system known as a pacer system. This system is sometimes inaccurate because of the limitations of providing a complete Social Security number. Although it is your policy to keep reporting bankruptcy that is filed, dismissed, or adjudicated for up to 10 years, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from date of adjudication or date of order relief. As a consumer I have a right to privacy Under the FCRA, 15 U.S.C. 1681 ( 4 ) which states, There is a need to ensure that consumer reporting agencies exercise their grave responsibility with fairness, impartiality, and a respect for the consumers right to PRIVACY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently been having trouble with disputing hard credit inquiries that I have discovered on my credit reports. Specifically with Equifax I feel that they are not really abiding by the Fair Credit Reporting Act because I have submitted several disputes and I keep getting the general response " Inquiries are a factual record of file access .... '' They have not initiated any kind of investigation into the fact that several companies have pulled my credit reports and I can not recall giving them the authorization to do so. I have filed disputes on the following dates : XXXX-17, XXXX-17,XXXX-17, XXXX-17, and XXXX-17 just to name a few and I keep getting the same response explaining to me what an inquiry is. I have also filed disputes with XXXX & Experian to get all unfamiliar inquiries removed and have not been able to get any results. As a data furnisher I believe it is the responsibility of the Credit Bureaus to be sure that they are reporting true information and if it is disputed it should be properly investigated. If information can not be verified then it should be deleted. If for some reason they believe that these inquiries were initiated by me I would like to be provided with proof. I have also contacted the creditors before I ever filed a dispute with the credit bureaus and they advised that I dispute the inquiries with the major bureaus.
Product: Vehicle loan or lease

This complaint is in reference to Westlake Financial Services account number XXXX Westlake Financial violated the Fair Debt Collection Practices Act, 805 ( b ) which states " Communication with third parties Except as provided in section 1692b of this title, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. 

Westlake called my friend regarding the repossession of my vehicle after I stated to them over the phone that I did not have the funds to pay to get the vehicle back. In an effort to continue collection, they did this without my express permission, nor with my knowledge. I don't know how they got her number, but she informed me that she got a phone call at XXXX XXXX  on Thursday, XX/XX/2023 from them, from the phone number XXXX. They called me 20 minutes later, at which point I answered and informed the caller on the recorded line of their above referenced violation, that this violation will be taken seriously, and that I will be reporting them to the CFBP.
Product: Credit reporting or other personal consumer reports

On XXXXsomeone opened a credit card with XXXX XXXX XXXX in my name , leaving a balance of {$820.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX are all in violation of my consumer rights. See the attached.
Product: Credit reporting or other personal consumer reports

Please block and remove the following accounts Due to Equifax data breach. 
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

I received a letter from EXPERIAN dated XXXX/XXXX/15 notifying me that my Credit Report was purchased by a company called XXXX, XXXX at XXXX XXXX XXXX. XXXX XXXX, XXXX, TN XXXX and that this company bought it to resale to a source called XXXX. 
I am asking that this be investigated as l have a security freeze on my credit reports with all 3 credit reporting agencies. 

SignedXXXX XXXX
Product: Student loan

I have a fixed rate loan managed by Firstmark Services. 

Originally, the loan was from XXXX XXXX XXXX  ( origination in XXXX ). As XXXX XXXX was sold to XXXX XXXX, the loan was taken over by XXXX XXXX and in turn the loan was sold to XXXX XXXX XXXX XXXX and managed by Firstmark Services XXXX XXXX of XX/XX/XXXX ). 

My loan payment over the past XXXX plus years has been {$820.00} at the fixed rate of 3.1 %. For XXXX of this year ( XXXX ), the payment has increased by XXXX cents to {$820.00}. 

I called Firstmark ( on XX/XX/XXXX ) and asked why the payment increased and Firstmark Services said the loan was reamortized. Firstmark said the loan is reamortized every XXXX, and indicated there was nothing wrong on their end. Given that I have always paid on time and have not made any additional payment, the reamortization should not change the payment of this fixed rate loan ( increase the payment, which has happened ). 

Given that this is a fixed rate loan, the payment should not increase.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( 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 investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX  XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$16000.00}
Product: Credit card or prepaid card

I am filing a complaint against Bank of America, regarding a purchase made on my credit card. 
On XX/XX/2022, I had taken a cab from the XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) to the XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX ) to rent a car, and the cab fare was {$23.00}. I used my BOA credit card to pay for the fare, and later I found out the amount charged on my credit card was {$95.00} instead. 

Initially, I disputed the {$72.00} ( claim XXXX ), however, it was denied stating that I did not have the slip indicating the merchant charged the incorrect amount. However, how would it be possible to obtain a slip for an unauthorized transaction? I had included the receipts for the hotel and the rental car as proof. 

I appealed, spoke to the XXXX, and disputed the entire {$95.00} ( Claim XXXX ), as I was told that BOA can not credit part of the transaction. Once again, the claim was denied stating the same above-mentioned reason. 

By declining the claims without even investigating the claims, I believe BOA is only encouraging merchants to make unauthorized transactions like this. 
Thank you.
Product: Debt collection

I have two credit cards that were suddenly sold to a debt buyer known as XXXX XXXX XXXX XXXX. I am here to state that the two original creditors, hereafter known as Synchrony Bank and XXXX XXXX XXXX did not sell these two credit card debts. That is an impossibility since all credit card debts for both of these financial institutions securitize their debt portfolio into XXXX dollar plus securities agreements. XXXX XXXX XXXX is running a huge scam that is being pushed by national banks to offset losses on their quarterly 10Q filings with the Securities and Exchange Commission. Therefore, I need both of these collections rescinded immediately unless transfer from a securitized trust can be proved. Both financial institutions need to be brought up with sanctions by the Federal Trade Commission and the Consumer Financial Protection Bureau. Accordingly, I demand proof that a transfer of both of these original debts were assigned out of their respective securitized trusts. If that evidence can not be proved, then both debts must be forgiven and files must be purged. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have learned of the data breach affecting the credit reporting agency Equifax Inc. and am concerned that I may be affected. There is misleading information about the extent to which people are affected, in particular, concerns that Equifax Inc. is not providing reliable information on whether or not individuals are actually affected, and that making enquiries to determine this through the website http : //www.equifaxsecurity2017.com/ may actually be obliging you to opt-out of taking certain legal remedies against Equifax Inc. later . 

I am concerned that I may have had personal data exposed by this attack on Equifax Inc. and that I may suffer loss as a result. I am concerned that Equifax Inc. is not acting transparently, honestly or in my best interests when seeking to offer me information about my risk or protection from credit abuse. 

I am concerned that Equifax Inc. made no attempt to contact me personally regarding this issue and that I had to learn of this from news media. This is particularly concerning as it delayed my response in placing a fraud alert with Equifax Inc.
Product: Student loan

I had to take out loans in order to attend school. I recently saw the following story on the XXXX. XXXX. This story states, " Navient, the nation 's largest student loan servicer -- and formerly part of XXXX XXXX -- was just hit with a federal lawsuit that alleges the company deceived borrowers to the tune of {$4.00} XXXX. Customers who took out student loans were hit with unnecessary interest payments, denied options to reduce their debt, and suffered damage to their credit scores, according to a lawsuit from the Consumer Financial Protection Bureau filed on Wednesday ... '' I feel I personally have been through this same situation with Navient. My loan was taken over by Navient in XX/XX/2009. The original balance was {$53000.00}. They asked me to make a payment of over $ XXXX/month. I explained to them repeatedly that I could not afford this payment. They told me I could fill out an income based repayment form which would bring my payment down to around $ XXXX/month. I told them this amount was not possible either. I have had XXXX children in daycare, XXXX dollars in medical bills and the other usuals of daily living. I simply did not and do not have the money. They tell me my only option is forbearance. They have refused to work with my on a payment. My current balance on my loans has now reached {$84000.00} because of interest. This is absurd to me. I will never be able to get this loan paid off if they do not work with me. I feel like it is a crime that they can so casually say that my only option is forbearance while they make nearly {$32000.00} in interest off my situation. I have told them repeatedly I do n't want to be in forbearance and I want to be paying on my loan but I need them to work with me. They refuse. What can I do? Please help!
Product: Money transfer, virtual currency, or money service

XX/XX/18 XXXX Started email with XXXX XXXX @ XXXX regarding buying " XXXX ''. 
XX/XX/18 XXXX Asked if still available and is XXXX  okay for payment. 
XX/XX/18 XXXX Responded to send payment to XXXX as friends and family screenshot when done and provide me your email to forward bot. 
XX/XX/18 XXXX Informed XXXX XXXX that payment was sent by XXXX via my BOA bank account by my email : XXXX. 
XX/XX/18 XXXX XXXX XXXX responded payment is on hold and asked if it could be refunded and resent via XXXX XXXX 
XX/XX/18 XXXX XXXX XXXX responded to send payment to XXXX. 
XX/XX/18 XXXX XXXX XXXX responded with different email of XXXX XX/XX/18 XXXX Told XXXX XXXX I sent money to the first email address and asked if I was going to get it back from that one. 
XX/XX/18 XXXX XXXX XXXX responded " you cancel it bro ''. 
XX/XX/18 XXXX Told XXXX XXXX I sent the money to XXXX on the first gmail. 
XX/XX/18 XXXX XXXX XXXX responded " can you cancel it? '' XX/XX/18 XXXX XXXX XXXX responded send it to XXXX. 
XX/XX/XXXX XXXX Told XXXX XXXX to let me know when XXXX is sent. 
XXXX Told XXXX XXXX to send the product or I would call the bank to obtain a refund. NO RESPONSE!!! 
XX/XX/18 - Called BOA to follow up on claim regarding scammer using XXXX on XXXX {$400.00} and XXXX {$400.00}. Both claims were closed because I had authorized the payments. XXXX reimbursed the first {$400.00}. BOA was not concerned that I had been scammed by XXXX and refused to reimburse the other {$400.00}.
Product: Credit reporting or other personal consumer reports

I mailed disputes to Experian, XXXX XXXX XXXX in XX/XX/year> & requested removal of the inaccurate accounts from XXXX XXXX {$960.00}. No response or update toy credit file. I am writing to formally dispute the charge-off listed with XXXX XXXX, as I believe it contains inaccuracies. Please remove this a count in accordance with the Fair Credit Reporting Act ( FCRA ). I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information on my credit report. The addresses listed below are not my correct addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Additionally, I have noticed several inquiries on my report that I do not recognize : XXXX XX/XX/XXXX inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX inquiry XXXX XXXXXX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry I believe that my rights under the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA have been violated due to this inaccurate and incomplete information on my credit report. Please investigate these discrepancies and take appropriate action to correct them as soon as possible. 

Thank you for your attention to this matter. 

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

In accurate information from transunion XXXX and XXXX credit reporting agencies, NY credit reporting act states the legal time frame to have these closed items post has passed and must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I applied for a Capital One credit card to rebuild my credit as it helps with rebuilding credit. I have applied several times and I have been denied multiple times citing a previous account that was compromised due to identity theft. I was approved for a Capital One Savor XXXX card. Upon receiving and attempting to activate my new account, I was told that my new account was closed for the same reason for my previous denials.
Product: Mortgage

I applied for a FHA purchase loan through XXXX XXXX XXXX in XXXX, LA and XXXX XXXX was my assigned loan officer on XX/XX/XXXX. I was referred to XXXX through XXXX XXXX, that, also, worked there. Since I already live in the home, I gave XXXX all of my income documentation and we locked the interest rate on the same day. I was told I had an automated approval and everything was good. I accepted the electronic consent and waited for the disclosures. Apparently, the local office in XXXX was closed down on XX/XX/XXXX due to a massive layoff of Loanstar employees. I was reassured the loan would be processed from a corporate location. I called XXXX XXXX and XXXX XXXX on XX/XX/XXXX because I still had not received a loan estimate. XXXX called the HR Manager to let them know of the issue. XXXX XXXX, regional manager, called her back to get more information on the loan on XX/XX/XXXX. On XX/XX/XXXX,  XXXX XXXX, operations manager, and XXXX XXXX, regional manager, called XXXX XXXX back to inform her that since the loan estimate was not sent in the required 3 day period, the file was not in compliance. XXXX had calleXXXX XXXX XXXX XXXX   compliance division and they informed her the file would HAVE to be withdrawn since it isn't in compliance. Also, they stated I could reapply in 30 days to continue with my purchase loan. As of today, XX/XX/XXXX, I have not received a notice of withdrawal or any communication from XXXXXXXX XXXX XXXX. I HAVE NOT withdrawn my loan through the company and didn't have any intentions to do so.
Product: Credit card

Today at XXXXXXXX XXXX I received an email " XXXX, Thanks for applying for a Chase credit card '', but I have never applied for a Chase credit card. 

Also, my credit is locked, so no one should be able to apply for a Chase credit card using my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

USAA Federal has two inquiries on my credit report that I do not recall giving authorization too. 

XX/XX/2019 and XX/XX/2019 XX/XX/2019
Product: Mortgage

As of the end of XXXX, I have never received a 1098 to file my taxes and I am unable to log onto the email provided. When I called last week regarding the status, I was told that no one could help me as I had refinanced my loan so they could not see anything. Furthermore, I was told I could not access anything online since my loan was paid off over a year ago, which is not true my loan was paid off in XX/XX/XXXX which would have only been 6 months. I asked when the original 1098 was mailed out and I could not be provided at date. Then I asked them about expecting sending another once since I have never received it which they said they could not and did not know how long it would take. I asked about receiving it via email instead which they indicated they could do and I would receive it in 1-2 days which I never did.

I need my 1098 to file my taxes and will be holding Amerihome and XXXX liable for any further delay relating to that. 

I would like my 1098 sent with a tracking number or emailed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal financial information was comprised by Equifax.
Product: Debt collection

The Calvary Portfolio company has not stopped collecting an account for which I have been reporting for years as identity theft, they have only sent me account statements with my address, in 2016 I was a victim of theft, they stole my wallet with all my information, this has not been the only account and the others with my information have been classified as fraud but they continue to sell it... I have sent them everything attached here, I have made several reports to XXXX and they do not stop ... this has led me to a state of stress, XXXX  and XXXX... I need you to stop
Product: Credit reporting or other personal consumer reports

This is my numerous attempt to inform you that I am an identity theft victim and that certain data in my file appear to be the result of improper activity. The documents I'm looking at have nothing to do with transactions that result in the acquisition of any property, money, or products that I have either made or approved. Block the entry of any information in my credit record that resulted from a claimed scam or extortion, assuming no one will care in any case. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Balance : {$12000.00} XXXX XXXX  XXXX Balance : {$6500.00} XXXX XXXX  XXXX Balance : {$6000.00} XXXX XXXX  XXXX Balance : {$16000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate items in my report : 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 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 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 XXXXXX/XX/XXXX
Product: Credit reporting

MYSELF AND MY SPOUSE FILED A CHAPTER XXXX BANKRUPTCY, XX/XX/XXXX THAT HAS BEEN SINCE DISCHARGE, XX/XX/XXXX. THE DEBT FOR THE CREDITOR XXXX FORMERLY KA : XXXX XXXX, TX THE AMOUNT OF XXXX WAS INCL IN SAID DISCHARGE BANKRUPTCY. AFTER REPORTING TO EACH CREDIT BUREAU, EQUIFAX FOR MY HUSBAND ( XXXX XXXX, XXXX ) AND XXXX FOR MYSELF ( XXXX XXXX ). WE HAVE REPEATEDLY CONTACTED XXXX AKA XXXX AT THE XXXX XXXX XXXX ADDRESS IN XXXX. TO DATE THEY HAVE YET TO UPDATE THE RESPECTIVE CREDIT BUREAUS TO REFLECT ACCURATELY. THIS IS IMPEDING OUR ABILITY TO OBTAIN NEW CREDIT AND A MORTGAGE. WE WANT THIS CORRECTED IMMEDIATELY AND TO BE RENUMERATED BY WHATEVER AMOUNT DUE FOR THIS HARDSHIP AND CREDIT INJURY. 

ADDITONALLY, EQUIFAX CONTINUES TO REPORT A BANKRUPTCY IN ERROR. DISPUTE MY REPEATED SUBMITTED PROOF EXPLAINING IT WAS IN FACT A DUPLICATE. CASE # XXXX WAS FILE IN DUPLICATE AND STRIKEN FROM THE COURTS RECORDS AND SUBSEQUENTLY SHOULD NOT BE REPORTING. MY CREDIT FILE SHOULD REFLECT XXXX BANKRUPTCY CASE # XXXX, DISCHARGED XX/XX/XXXX.
Product: Credit reporting

I checked my credit report on XX/XX/2016 the account status was closed bal. 
was {$0.00} XXXX dollars. payment status was collection/ charge off. remarks was charged off account fixed rate. now on XX/XX/2016 I notice that they changed the balance from {$0.00} XXXX dollars to {$130.00}. I 've sent letters to both company and credit reporting agency first letter regarding this issue XX/XX/XXXX and they have failed to explain to me how I owe this debt. when they from start of XX/XX/2016 never been able to show proof by verification of my signature to this account. it has caused my scores to drop a lot. if you can check my credit report from XX/XX/2016 and then check it on XX/XX/2016 that 's when things changed.