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

My original Lexisnexis Case Number is # XXXX and Consumer # XXXX On XX/XX/2022 Lexisnexis sent me a copy of their agreement to Reseller Dispute letting me know that my account was frozen and that they have deleted anything on my file and will not be obtaining my public records ever again. However Lexisnexis did not keep that agreement and illegally obtained my public records without my authorization and illegally sold my XXXX XXXXXXXX bankruptcy and all the adversed accounts included in my XXXX XXXXXXXX to the credit bureaus. This time they changed my XXXX XXXX to XXXX and Case number XXXX this is proof that they accessed my public records without my authorization in XXXX. I have consistently asked for them to delete all items that were included in the XXXX XXXX from my credit report. They are saying that they aren't responsible but I have proof stating that the credit bureaus get my public records from Lexisnexis. Which therefore holds Lexisnexis responsible for illegally selling my public records and for deletion of all adversed accounts that were listed in the XXXX XXXXXXXX bankruptcy from all XXXX of my credit reports. All by the LAW Must be Deleted from my credit reports Bankruptcy XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I've attached the updated evidence that clearly specify how the credit bureaus obtain my public records. Please read carefully. 

I needed to send the Proof of Lexisnexis being responsible for accessing and reselling my public records
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of a charge-off account by Ally Financial Account # XXXX on my credit report. According to the Fair Credit Reporting Act ( FCRA ), creditors are required to report accurate and truthful information to credit bureaus. However, Ally Financial has been reporting the same charge-off account as a new charge-off every month, which is incorrect and is negatively impacting my credit score.

A charge-off should only be reported once, with a specific charge-off date. The continuous monthly reporting of the charge-off makes it appear as though the delinquency is recurring, which is misleading and damaging to my financial standing. I kindly request that the CFPB investigate this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have incorrect information on all the credit reporting agency, XXXX, XXXX, and Transunion. An because the incorrect information I had to take a new loan at a higher rate and I 'm having issues buying a home.I will list off of the in correction on my credit report. XXXX incorrect details bellow XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX XXXX XXXX  {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX {$15000.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX {$8500.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX {$87.00} OPNED ON XX/XX/XXXX Transunion incorrect details XXXX XXXX {$100.00} OPEDN ON XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX {$50.00} OPENED ON XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX {$12000.00} OPENED ON XX/XX/XXXX XXXX Incorrect details below XXXX XXXX XXXX {$7000.00} opened XX/XX/XXXX Blank info listed as collections as {$100.00} opened XX/XX/XXXXand {$50.00} opened XX/XX/XXXX XXXX XXXX {$1800.00} OPENED XX/XX/XXXX I HAVE NEVER HAD ANY DOING WITH THESE COMPANIES
Product: Credit reporting or other personal consumer reports

Majority of my accounts are not 100 % accurate. 

XXXX XXXX IS ACTIVE AND CURRENT XXXX XXXX IS CURRENT XXXX XXXX XXXXXXXX IS CLOSED AND PAID IN FULL XXXX XXXX IS CLOSED AND PAID IN FULL XXXX XXXX I AM NO LONGER AN AUTHORIZED USER ON XXXX  XXXX ACCOUNT WITH LINE OF CREDIT OF {$600.00}
Product: Vehicle loan or lease

On XX/XX/XXXX I sent Billing Error Notice to TD Finance Company. The noticed informed the following. As of to date TD Auto Finance has failed to respond to fraud committed in this agreement. 


Notice of Billing Error To : TD Auto Finance Re : Fraudulent contract via XXXX Loan/Account # XXXX The referenced account is an agreement, not a contract. Based on the consumer protection laws and your lack of complete disclosure I rescind the entire transaction due to fraud. 

I am not liable for the debt. I want my money back. I want to cancel the agreement. 

We entered into an agreement not contract with TD Auto Finance. The agreement is in violation of Truth in Lending Act Regulation Z which included a finance charge. Finance charge is on money given and not credit transactions. TD Auto Finance committed predatory lending in a consumer transaction under Regulation Z. 

The Rescission notice is made Pursuant to 15 U.S code 1635 ( a ), as I was never told I had 3 days to rescind the agreement. Neither was I given the notice that comes along with all consumer credit transactions. Furthermore, TD Auto Finance failed to clearly & conspicuously disclose all of my rights as a consumer including but not limited to my rights of rescission. 

XXXX of XXXX XXXX on behalf of TD Auto Finance accepted a CASH down payment violating 15 U.S. code 1605 which clearly states the finance charge does not include charges of a type payable in a comparable cash transaction. XXXX XXXX XXXX has intentionally withheld pertinent information to complete the sale with the purchase of our XXXX XXXX XXXX XXXX. There are many fees within this finance charge that are in violation of 15 USC 1605. 

I, XXXX XXXX participated in a consumer credit transaction and not a loan pursuant to 15 U.S. code 1602 ( i ) Take further notice that pursuant to 15 U.S. code 1605 the finance charge is in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law. 

I did not enter KNOWINGLY, VOLUNTARILY, AND INTENTIALLY. I do not accept the liability of any compelled benefit or lack thereof, or any unrevealed contact or commercial agreement. I have a right to sue you under the Common Law for violating my rights under the UCC. I did not sign any contract where I received COMPLETE DISCLOSURE AND EQUAL CONSIDERATION. If I did, it was UNKNOWINGLY, INVOLUNTARIY AND UNINTENTIONAL. Cease and desist all collection activities and have all consumer reporting agencies delete this account from their reports. If you do not remove this information, your company will be committing fraud, not preserving my rights, and will be fined {$5000.00} : CONSUMER PROTECTION LAWS Equal Credit Opportunity Act / Truth in Lending Act Regulation Z Fair Credit Reporting Act / 15 USC 1611 - False & Inaccurate information Fair Debt Collections Practice Act / 15 USC 1692 - Debt collection practices CFPB 1026.23 Right of Rescission ( cancellation )
Product: Consumer Loan

I leased a Toyota XXXX in 2012, XX/XX/XXXXI made payments every monthe. In about XXXX of 2012 They lost a cashier check for {$600.00}. This check remained missing until just under XXXX dos they cashed the ck. They however have carried me a a late payee ever since that date with an acruing act and a negative credit score. I hired an atty to pursue this to resolution,, but they continued to refute the payment. I have not received a statement from them for over a yer. I have continued to make my payment of $ XXXX each mo and inclose a note reqauesting a statement. I di get a hold of someone before XXXX of last yr and he said he would get back to me immediately. I have heard nothing. My else is ending next month and I acannot obtain credit to obtain another car with this on my record.I have all the receipts and the return receipts for the mail sent to them. They will not even reslpond to my attys calls or mine. ''they do not even answer my calls. I would like to resolve this matter This company has not made any effort to clear this matter up..It is like they are getting even with me more challenging their bookkeeping. 
XXXX XXXX XXXX XXXX, XXXX. My email is XXXXXXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for accounts XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than XXXX  days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than XXXX business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Credit card or prepaid card

I applied for a new credit card from Wells Fargo on late XX/XX/2019. The information on the official Wells Fargo mentioned " Apply in minutes. Get a Decision in Seconds. '' Nowhere in the page or the website of the application of the credit card, did they mentioned that it may take longer than a minute or it would involve additional steps to apply for a credit card. After I applied for the credit card, I received a letter in the mail saying that I need to verify my identity. I called them and went through some prompts. The customer agent told me that was it. A week later I received another letter saying the they still need to verify my identity. They want me to go to the nearest bank, show my ID and bring a copy of my utility bills. My credit score was XXXX before applying. I would have received the credit card, but was denied and it hunted my credit score below XXXX. I objected to this since I applied not knowing that all this would be required. If I knew all the requirements, then I would not have applied. My credit score is not lower because of the application and I don't have a new credit card. This has affected my score and it has costed me money since my interest rate have increase. Wells Fargo has deceived me in their credit card application and continue to deceive others.
Product: Mortgage

My initial intent was to submit a legitimate complaint about the errors in the handling and service of my mortgage that was transferred to Rushmore Loan Management Services. However, I see that there are over 1000 complaints logged already. Therefore my first complaint would have to be with the CFPB. There are 1288 complaints on Rushmore. Thats 1 complaint every day for 3 years without any penalty. This has allowed Rushmore to continue predatory practices and offers no faith in CFPB
Product: Credit reporting or other personal consumer reports

Transunion has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Transunion, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Transunion has neither corrected nor removed.
Product: Credit card or prepaid card

Hello ... On XX/XX/2019, a {$140.00} credit posted to my account. I called on XX/XX/XXXX to see when I should expect the credit balance back to me as I had not used the card. They mentioned I would receive a credit within 60 days of when it posted. When I hadn't received a check, I called again on XX/XX/XXXX and was told it would be processed soon. My XXXX  statement showed no credit balance and so I called again on XX/XX/XXXX asking about the credit and that's when I was told it was sent to the bank on XX/XX/XXXX and that I should expect to see it any day. I called back on XX/XX/XXXX as I still hadn't seen the credit post to my account and the customer service rep contacted the back office as he agreed that by now I should have received the money. On XX/XX/XXXX, I receive an email from him, XXXX   XXXX, with an attachment showing that on XX/XX/XXXX a check was sent to XXXX  with my name on it. I sent him an email with my statement showing no credit had posted and where should I go from there. He said he contacted his back office and they said I should contact my bank. I responded by saying that the check they sent was 1. not addressed to my bank XXXX  2. doesn't have my bank account information so the funds are properly credited and 3. doesn't show that it was cashed by XXXX. At the point, I stopped receiving a response from the company and still don't have a check nor the credit posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX account violated my rights. 

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

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

I have contacted Experian a lot of times with mail and phone calls letting them know that my identity information had been stolen and that someone has been using my information. I also filed identity theft fraud with Experian, FTC and the police and sent all of the paperwork to Experian showing proof that i am a victim of identity theft. Experian has not removed the accounts i reported to them and proved to them of the fraud. Experian is not willing to remove the fraud accounts even with identity theft report submitted to them. Because of Experian ignoring all request that they demanded to prove identity theft from me I am unable to provide for my family. I was rejected from a job offer due to Experian not honoring their requested identity theft steps, which i sent them. I am also unable to financially support my family because of inaccurate information Experian is reporting because i can't get a job, apply for a loan are anything else thats needed to live because of Experian.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ARE STILL REPORTING A ACCOUNT ON MY REPORT AS OPEN MEANWHILE THEY CLOSED IT IN XX/XX/2021... 

TRYING TO SETLE THIS ACCOUNT WITH THEM BUT THEY THREAT ME VERY RUDE OVER THE PNONE AND ARE NOT WILLING TO SETTLE WITH ME
Product: Credit reporting or other personal consumer reports

Hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My XXXX. Whos studying XXXX XXXX help me out by finding a way to check if my XXXX emails were involved in this breach? To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts it would mean a lot to me it you could assist in removing the following from my credit report, these are the accounts
Product: Debt collection

On XX/XX/2020 I was repeatedly called from a XXXX number while engaged at workcausing a disturbance in the work place. From XXXX I am not authorized to answer my phone unless I am on breakwhich I was not until shortly after these calls in order to control the situation ; having to take a premature break time to address this. This was incredibly disruptive
Product: Credit reporting or other personal consumer reports

I DO NOT recognize the following INQUIRES on my TRANSUNION credit report : 1. XXXX XXXX  XXXX, XX/XX/XXXX. 
XXXX. XXXX XXXX, XX/XX/XXXX. 
XXXX. XXXX XXXX XXXX, XX/XX/XXXX. 
XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXXXXXX, XX/XX/XXXX I did not authorize any of these companies.
Product: Debt collection

My insurance did not go through due to the fact that I had a insurance through my college and my dads insurance as well. The schools insurance was the primary for some reason when my Dads should have been. We fixed this issue over the phone however it seems that it has not fixed and I am getting letters for debt when I believe I should not be.
Product: Student loan

I received a letter from Mohela dated XX/XX/XXXX. This letter stated that I had met the number of payments to qualify for the Public Service Loan Forgiveness. This information matched what was on the Mohela site at that time. A week later I received another letter dated XX/XX/XXXX, that my loans had been forgiven. I even called Mohela to double-check this and they confirmed it was accurate. I then received a reimbursement check dated XX/XX/XXXX. I held onto this check because I wanted to confirm the receipt of this was not a mistake. I did not deposit this check until XX/XX/XXXX. In the interim, I checked my studentgov.org account and my Mohela account. Both reflected that my loans were paid in full and no further action was needed. I received an email yesterday, XX/XX/XXXX, stating that my Mohela XXXX XXXX payment was due. I logged into my account because I was curious since my loans had been forgiven. When I logged into my account, I saw a loan balance of {$31000.00}. This was news to me. I immediately looked in the messages within my Mohela account to see if I had missed some sort of notification. There was nothing. Then I searched my email and there was nothing. Mohela reversed my loans without my knowledge. Today ( XX/XX/XXXX ) I called Mohela. After being redirected with automated prompts for 20 minutes I finally got a human on the phone. Once I began speaking to the representative she said, it looks like your forgiveness has been reversed because you didn't have enough qualifying payments. She told me I now owe {$31.00}, XXXX. I was in shock. I just found out they were forgiven and received no warning or letter stating that this was even an issue. the representative then told me that she could no longer help me and that she would transfer me to a supervisor. Once she transferred me to a supervisor, I was promoted to confirm my callback number and then the call disconnected. 

I understand that the government is constantly making changes to forgiveness policies, but to present the information stating that a borrower qualifies and then award them the forgiveness just to retract it later, without even notifying the borrower is highly unprofessional and unethical. 
I have never dealt with this level of unprofessionalism from a company that represents the Federal Government. It is a disgrace.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX Account XXXX, XXXX XXXX XXXX Account # XXXX, XXXX Account # XXXX 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Bank account or service

I recently opened a Savings Account with Wells Fargo Bank with a {$5000.00} deposit. Several days later I returned to the bank to add my spouse to the account, and we executed a Wells Fargo " Relationship Change Application '' ( their form XXXX ). What I noticed at the time was that while Wells Fargo keeps the original form, with our signatures, for account verification, the page they provided me DOES NOT have those signatures. That leaves open the possibility that the page could be substituted, within the bank, to replace those signatures, thus opening that account to abuse. Without a copy of our own signatures, we have no PROOF that WE opened the account, and provided our signatures at the time, because those signatures are unreadable on the copies we were provided. 

In telephone discussions with Well Fargo employees, today, all of them assure me that this is a Wells Fargo policy, and they can not provide me with the confirmation of our signatures by retaining a copy ourselves. Apparently, their policy is that " no document leaves Wells Fargo 's premises with the customers ' signature exposed. '' I believe that is a decision that the CUSTOMER should be permitted to make, rather than having a security policy in place we have no authority to challenge. 

With the recent exposure of other activities by branch employees, this seems to me to fit within that category. The decision to " leave Wells Fargo premises '' with MY copy of the document, subject to MY control, should by MINE, not the institutions. No one at Wells has proposed that this is law imposed upon them ; they universally assert it is their " policy. ''