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

I looked on my credit report and as well as my name someone else name is on my credit with different address, phone numbers, and as well as mine and inquires on my account that i did not authorize that is under the other persons name but on my account
Product: Credit reporting or other personal consumer reports

All three credit bureaus are inconsistent in their adjustments to my credit scores. I dropped my overall credit card balance by almost {$2000.00} and no change to my scores. Then when the balance of XXXX card goes up {$160.00} one bureau ( XXXX ) decreases my score by XXXX points! This makes no sense. I watch my scores on a consistent basis and if I didnt no better I would think this is an example of institutional racism. They have slowly ticked down but rarely tick up. To have a minor negative years ago my accounts they have slowly taken me down bit by bit to middle XXXX. This does not compute even with high usage. XXXX never rise my scores if I decrease my usage by {$2000.00} and get no change then a small increase reduces my scores. Somebody needs to look into why there doesnt seem to be any consistency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my consumer report consisting of 148 pages of inaccurate information that either belongs to someone else or is completely incorrect. I have made several attempts to request LexisNexis to provide a description of the procedure used to determine the accuracy of every single item / record in my report for accuracy and completeness and they have refused to comply.
Product: Mortgage

Ive been fighting for far to long to just get a simple remodification. Since i had much bad luck in my life just to get back on my feet. But now the mortgage company is saying that the house is on a lane and i have sent them the proof that its on a street. That is what stopped the remodification because they say that its on a lane when its on a street. Now if the courts, bank and lawyers all have the wrong address and still go for a foreclosure who's wrong or doing something misleading. All i wanted is to get a resolution to resolve this stressful situation.
Product: Student loan

A duplicate auto-payment was taken out on XX/XX/year> when I had already been charged on XX/XX/year>. I spoke with MOHELA on XX/XX/year> and was told this was an accident on their end, which would be refunded. I was told it would take up to 90 days to receive this refund. It's now been 174 days and the refund has not yet been processed. I've spoken with MOHELA 7 times since then, including today, for which I was on hold for XXXX hours without resolution. After speaking with XXXX different individuals today, I was told they needed to transfer me to a second supervisor and then was disconnected.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Erroneous Accounts on Credit Report Dear Sir/Madam, I am writing to formally submit a complaint regarding several erroneous accounts that have been reported on my credit profile without my consent or authorization. These accounts, listed below, show multiple late payments, missing payment dates, and are designated as " charge-off '' accounts. I have attempted to resolve this matter directly with the respective companies, but to date, they have failed to respond to my requests or provide the required documentation. 

Affected Accounts : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX  XXXX. XXXX I notified all the aforementioned companies on XX/XX/XXXX, via certified mail with return receipt requested, specifically requesting that they provide the following : XXXX. Copies of the original contract agreements with signatures. 
XXXX. Any assignment contracts associated with these accounts. 

The significance of these documents can not be overstated, as they are necessary to determine the validity of the accounts placed on my credit report. I informed each company that failure to respond would lead me to report this matter to the Consumer Financial Protection Bureau ( CFPB ). 

Each company was provided with XXXX  days to respond to my request. As of XX/XX/XXXX, none of the companies has responded to my request nor provided any documents. Attached to this letter, you will find copies of the certified letters I sent, along with the return receipts. 

I am requesting the immediate deletion of all accounts listed above from my credit records due to the violation of my consumer rights and the noncompliance with CFPB regulations regarding the accurate reporting of information. These companies have failed to provide evidence of consent, authorization, or proper documentation, which further substantiates my claim that the accounts are erroneously placed on my credit profile. 

Please take appropriate action to investigate this matter and ensure that these companies are held accountable for their failure to comply with consumer protection regulations. 

Thank you for your attention to this matter. 

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

Recently, I leased a car from XXXX XXXX located at XXXX XXXX XXXX, XXXX, TX XXXX to my surprise it showed a lower score than what I recently received from my bank. I was told the car was going to be financed by XXXX XXXX  which was not so. I gave XXXX XXXX permission to run my credit through XXXX XXXX once however, the dealership placed two hard inquiries on TransUnion and XXXX without any information under XXXX XXXX. 

Furthermore, the score their system came back with was lower than what I recently obtained from XXXX and that resulted in me paying a higher rate than what the car lease payment should have been. I called the dealership and left two voicemail messages for the finance department to get an explanation why two inquiries were placed on my credit report no one returned my call.
Product: Debt collection

I have repeatedly told this company that I didnt open the credit card. Filed a police report and sent it to them. They wont remove it from my credit report and keep sending me letters about suing me.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNT NAME : XXXX XXXX XXXX  NUMBER - XXXX In accordance with the fair credit reporting Everything must be 100 % accurate on my credit report. 

The credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate and date last reported is not accurate. This ground for removal they also violated my rights under : 15 U.SC 1681 Section 602 A states I have the right to privacy, 15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish without my written instructions Also the credit bureaus took more than 30 days to complete my investigation.
Product: Debt collection

I moved out of the XXXXXXXX XXXX XXXX XXXXXXXX on XX/XX/24. The property manager XXXX XXXX XXXX was onsite and witnessed the movers taking my things out of the unit XXXX. I turned in the keys to the front desk receptionist after I completed my move on XX/XX/24. I am continuing to receive current monthly rental and lease charges in the amount of {$2000.00} per month plus late fees from the third party billing service the rental property uses. I am concerned about this attempt to collect a debt I do not owe and the negative impact it has on my credit. Such action is illegal and should be stopped.
Product: Debt collection

XX/XX/XXXX My son went to emergency room. Physician filed with the wrong insurance. Sent them the right insurance information, even though it is on file with XXXX XXXX in XXXX Georgia. They filed with XXXX XXXX Georgia XXXX but did not do so in a timely manner. So they had to write it off per insurance company. They told me it was written off and that collections would be notified and taken off. As of today, XX/XX/XXXX ( over a year ) it has not been done. I have phone records that show numerous calls made to Georgia XXXX XXXX XXXX. Dates called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I have spoken to XXXX several times, XXXX, XXXX. I have jumped through hoops to have this taken care of. The collection agency XXXX XXXX XXXX XXXX, XXXX, GA ) XXXX, told me I was a low life and I don't pay my bills and they will take it off when I pay the {$430.00} XXXX owe the doctor. I called them on XX/XX/XXXX ( XXXX ), XX/XX/XXXX. I will be happy to provide phone records to prove I have called. 

If I didn't care, I would have not tried for over a year to get the problem resolved. 

They are ruining my credit! I am paying more on insurance because of my XXXX XXXX. My family is on XXXX. I don't have the money to fight these people, so I am trying to find legal aid. Please help!
Product: Vehicle loan or lease

I obtained a leased vehicle through Hyundai Motor Finance ( XXXX  ) in XX/XX/XXXX and licensed the car in XXXXXXXX XXXX I moved to XXXX XXXX, XXXX in XX/XX/XXXX and re-plated the car in XXXX. In XX/XX/XXXX, I received a bill from Hyundai in the amount of {$760.00}, stating XXXX  had paid the property taxes on the vehicle based on an assessment from XXXXXXXX XXXX  for the period of XXXX to XXXX. I reimbursed Hyundai for the taxes on the car and filed a dispute of the bill on the basis that the car was plated and physically in XXXX XXXXXXXX XXXX during that time period. 

I provided documentation to Hyundai to that effect on five ( 5 ) separate occasions between XX/XX/XXXX and XX/XX/XXXX. I have never received any information from Hyundai about the status of the dispute nor have I been reimbursed for the tax payment. ( By the way, at one point in XX/XX/XXXX they threatened to repossess the car for non-payment because they had been applying my monthly lease payment to pay the tax bill instead of applying to my lease balance with no notice to me. ) I have since purchased ( and sold ) the car. 

Today, XX/XX/XXXX, I received a new invoice from Hyundai demanding payment in the amount of {$840.00} for taxes assessed by XXXXXXXX XXXX for the time period of XXXX to XXXX. I have contacted Hyundai and ( again ) have been told my only option is to fax or mail a dispute to the Property Tax Department. There is no phone number, no email address, and no escalation process. 

I have also attempted to resolve this with the XXXX XXXX Treasurer 's Office. However, only the owner of the car can inform the city of any change in location of the car. Since Hyundai owned the car, I did not have standing to inform them of the change. 

I'm requesting assistance in resolving this dispute since XXXX is unresponsive and has made no effort to contact me except to collect payment for a debt I do not owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my XXXX credit report on XX/XX/XXXX, XXXXand noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This company is calling every morning between XXXX and XXXX from different numbers. I live in Utah. When I try to call i am sent to a voicemail that never allows me to leave a message or I call one of 10 different numbers they call from are then placed on hold and the. After 3-4 minutes disconnects me. Everytime.
Product: Checking or savings account

So my phone got stolen a someone accessed my chime account and sent money too my XXXX  then too there XXXX in the amount of XXXX an I disputed the transaction with chime but they denied the dispute for no reason an I really need that money back because I have bills I have need to pay
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX is misrepresenting the date of default to XXXX in order to bypass the 7 year limitations period for reporting derogatory information. 

The date of first default was XXXX because the promissory note clearly states default occurs when a Bankruptcy proceeding is initiated by me. ( Page XXXX Paragraph I ( XXXX ) ). 

I filed Chapter XXXX Bankruptcy of XX/XX/2008 and included this alleged debt in the matrix of creditors. The creditor was served ( See service of process ) and a discharge was ordered on XX/XX/2008 ( see discharge order ). XXXX did not object to the discharge order. 

Finally, this note was falsely labeled by JP Morgan Chase as an educational loan but I was not a student when the loan was issued. I was in the hospital and no longer enrolled at the University XXXX. Furthermore, the University XXXX failed to certify the loan, and the check was not made out to the University XXXX. The interest rate was over 20 %, and required a cosigner. 

I never made a payment on this account. The only payments made were by my grandmother. The debt collector was extremely abusive, calling my grandmother several times per day demanding {$100.00} payments and increases in payments, even while she was in XXXX. She was XXXX when this debt collector continued to harass her by calling frequently to obtain additional payments before her death. 

The loan 's proceeds were used for gambling and other personal expenses. I was not a student and the loan was falsely certified.
Product: Debt collection

XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX : Dispute of Debt Account : XXXX Dear XXXX  I am writing to formally dispute the validity of the alleged debt associated with the above account under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), and applicable Uniform Commercial Code ( UCC ) laws. 

The debts in question were not XXXX in XXXX but were instead canceled via IRS Form 1099-C, meaning they were written off as losses by the original creditors. Per IRS regulations, these canceled debts are considered income and can not be collected. Any attempt to collect on a canceled debt is a violation of federal law. 

It has come to my attention that unauthorized and uninformed financial documents were created and furnished using my nonpublic personal information without my knowledge or consent. 

This action is a violation of my rights under federal law, as it appears to be an attempt to extort payment for a debt that no longer exists and is now classified as personal income. 

Additionally, this alleged debt arises from an apartment rental lease associated with my former employers, which are not consumer credit transactions. As such, there is no permissible purpose for sharing my personal information with any third or fourth parties under the FCRA.

Moreover, I was never presented with any privacy policy, nor given the option to opt out of having my information shared with other entities. Under UCC regulations, consent can not be transferred or purchased without all original parties signing off on a new agreement. No such agreement exists in this case.

I am invoking my rights under 15 U.S.C. 1692g to request validation of this debt, including a full breakdown of the original contract, proof of ownership, and any assignments of the alleged debt. 

Since the alleged debt is no longer valid, as it was canceled and reported as income, I revoke any implied consent for my personal information to be shared or furnished. I demand that you cease all collection activities immediately and stop reporting this false information to any credit reporting agencies. 

Furthermore, I consider this matter to involve potential identity theft, as my personal information was used without my authorization. Under the FCRA, I demand that you stop furnishing this inaccurate information to other financial institutions immediately. 

Please consider this a formal dispute and request for debt validation. Failure to comply with the laws referenced in this letter, including the FDCPA, FCRA, and UCC, may result in legal action against your company. 

I request a response confirming that you have ceased all collection activities and reporting of this erroneous information within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CT XXXX Cell XXXX
Product: Credit reporting or other personal consumer reports

I reached out to all the Original Creditors about my unauthorized inquiries on my credit report and they all basically said that I need to reach out to the credit bureaus and have them to send out information to where they can have the inquiries removed off of my credit report ... After talking to the original creditors, I contacted all 3 of the Credit bureaus and explained in detail that the Original Creditors have gave permission to remove all the Hard unauthorized inquiries from credit report.

The 3 credit bureaus failed to remove anything off my credit report due to not having a CFPB report!!!!!

I did also inform the 3 Credit bureaus that the Fair Credit Reporting Act, legally these unverified and unauthorized items MUST be removed!!!!!!!!!!!!!!!!!!!!!

( XXXX  ) 4 Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( TRANSUNION ) XXXX Hard Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  HARD INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over XXXX days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting or other personal consumer reports

I am formally disputing the inclusion of an accounts on my personal credit report, as it violates consumer protection laws.

These are a business accounts, not personally guaranteed by me, and should not appear on my personal credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. Only accounts for which a consumer is personally liable should be reported. Listing these accounts as a personal obligation is both inaccurate and unlawful under the FCRA and other consumer protection laws. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

By virtue of a single transaction larger than usual I had forgotten about a small transaction that had not yet cleared. These transactions ( one for {$1600.00}, the other for {$70.00} ) both cleared on the same day resulting in an overdraft for which the charge was {$34.00}. That seems high, since it was the XXXX instance since opening the account about fourteen months ago. Inquiring if an overdraft protection procedure was available, i learned that another checking account could not be used since the other account was a commercial account, but that a savings account would serve this purpose. No mention was made of any charges involved. It took about a week to get a savings account established, and to see how it would work, I again over drafted the personal account. It worked fine, but resulted in a {$13.00} charge for the service. This seems unreasonable. My sense of these transactions is they both were driven by software without any human effort required, which makes me think I 'm paying for service that I 'm not getting.