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

I have Unauthorized accounts & inquiries on my Credit report. According to the Fair Credit Reporting Act, you are required by federal law to verify Any Unauthorized items on my report must be removed if not % 100 accurate & Verifiable. Please Remove this From my report I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed.
Product: Credit reporting, credit repair services, or other personal consumer reports

At this time, I respectfully request a copy of my XX/XX/XXXX, XX/XX/XXXX and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX XXXX, XXXX XXXX, NY XXXX. Your professional cooperation will be greatly appreciated. 
XXXX XXXX
Product: Mortgage

On XX/XX/23, Loan XXXX sent me a disclosure/ settlement agreement stating my 2 mortgages and 2 credit cards would be consolidated and paid off by them, I would have a new loan through them and told this was beneficial for me. Upon closing, I was not able to ask any questions regarding the closing documents because it was a Saturday, the notary public had no clue to what my mortgage documents meant and Loan XXXX was closed for the weekend. After closing, my final disclosure/ settlement documents were inaccurate as to what I agreed upon. I did not acknowledge or consent to the new settlement terms. Neither of the 2 credit cards were paid off, my 2 original mortgages that were at 3.37 % now went to 5.99 % interest rate, which in the end my monthly payment went from XXXX now to XXXX a month. Without transparency, the loan company funded my old mortgages, which the new terms are profoundly different, they added XXXX to this new mortgage for closing costs, did not pay off the 2 credit card debts as I was promised, increased my monthly mortgage payment to an additional XXXX, not explaining the annual payment will be an additional XXXX for the remainder of this loan, and I am financially unable to afford any of these new, non-disclosed terms and feel taken advantage of and discriminated against being a single woman without fair counsel of real estate and mortgage knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2023, I missed one payment to American Express. Last month as shown by the dashboard screenshot attached, they closed my account. American Express as shown by the screen shot, reported me only to XXXX as having a closed account and reported that to XXXX on XX/XX/XXXX. 

As shown in the screen shots provided, both XXXX and XXXX both show it as open and they have not reported to either of them since XX/XX/XXXX and show the account as opened and paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information, account status and personal information such as legal name, addressed, phone numbers, occupation are not all 100 % correct.
Product: Credit reporting or other personal consumer reports

I have previously disputed accounts on my consumer reports. The CRA 's XXXX, XXXX and Equifax have failed to properly investigate the accounts. They continue to violate the consumer laws and report inaccurate information. I have disputed with the following consumer laws and sent all correspondence by certified mail. 
XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies XXXX XXXX Notes ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( XXXX ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of IDENTITY THEFT that resulted to 2 accounts being reported to my credit file, which I am not aware of. I reached out to the bureaus but still, these accounts reflect on my reports and are now affecting my job and livelihood.
Product: Debt collection

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Despite the previous written letter, the unverified item listed below still remain on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

DIRECTRECOV ( Original Creditor : XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2017 Balance : {$6800.00}
Product: Consumer Loan

I bought a XXXX Dodge Ram XXXX at a used car dealership in XXXX VA in XXXX. The Initial loan was for XXXX dollars and financed through XXXX XXXX auto. I was young at the time and accepted the high Interest rate due to High pressure sales tactics used by the dealership. I thought I would be ok but I was outside of my means financially. Even though I made all my payments some were late about 2 years into my loan the finance company was Bought out by Santander. After 6 years of making payments they claimed that I owed them XXXX dollars. I explained that that was more than the initial loan they responded that since my payments were late it was all going to interest instead of the principal. I told them I was in the military and that the truck barely runs and pleaded to make some kind of deal they dropped my interest rate down to XXXX percent and I have been making more than the minimum payment well ahead of schedule from then on. Currently my balance is now just over XXXX dollars. I have paid almost XXXX dollars for a XXXX used truck and to say the least its been a huge burden in my life. I sought out legal help and was told there is nothing they can do I tried to contact the company and make several deals and was turned away. Granted this was a great learning experience for me financially but I still think I am being treated unfairly. When I asked them to send me the original loan details and payment history they sent me someone else 's information my argument with the company is that how do I know that mistakes have n't been made on my account if they cant even send me the correct information the first time.
Product: Vehicle loan or lease

Buying the car XX/XX/XXXX they sale this Car damaged because one hour later the car is no longer good in XX/XX/XXXX I return the car to the dealer ( No longer interested in the car ) the dealer XXXX XXXX  XXXX On the afternoon of XX/XX/XXXX I went to XXXX XXXX which is located at XXXX XXXX XXXX XXXX XXXX XXXX VA  XXXX so i get the car is XXXX XXXX XXXX I was running some errands with my children of XXXX, XXXX, XXXX  years and XXXX XXXX. Stopped at a traffic light the truck began to shake unstoppably, the engine light came on. I got nervous and very afraid for my children and myself. I called XXXX and told him what was going on with the truck. That same day, XX/XX/XXXX in the afternoon my husband took the truck to the dealer XXXX XXXX  XXXX because I was too scared to drive the truck. His mechanic looked at it, they turned off the check engine light, my husband came back home but on the way the check engine light came back on and the truck was shaking when stopped too. The same situation I had in the morning. I called XXXX again the next day, explained what had happened and he told me to bring the truck and that same day left the truck there. The truck kept giving the same problem and he gave me the address of his mechanic which is located at XXXX XXXX XXXX, XXXX XXXXXXXX XXXX, XXXX, VA XXXX. I didn't hear anything about the car until XX/XX/XXXX when I decided to call the mechanic.. The mechanic said that he had already talked to the warranty and that he was working to resolve the problem with the car. He had the diagnosis, the oil pump and the timing band was the vehicle problem. The mechanic told me that the warranty does not promise to repair the problem of the car 100 % and that the other part that the warranty does not cover will be my responsibility, he also told me that we had to wait 2 weeks after the truck was sold from the dealership and I talk to the dealer manager ( XXXX XXXX and he agree with him. But, it does not sound right to me. Today, XX/XX/XXXX, I spoke with the guarantee, they said they received the report that the truck has been in the mechanic since XX/XX/XXXX. And I said to the mechanic Since XX/XX/XXXX, the truck has not been able to drive for a full day due to the problem that it shakes and the engine light is on. The truck XXXX sold me that XX/XX/XXXX is not safe to drive. My purpose of taking a car from a dealer is because I didn't want to go through a problem like this. I wanted the security that a dealer gives when selling a car in good condition. I do not want to be in this situation ever again, I prefer to return the truck and have all of the downpayment I gave in the beginning, the {$3500.00} because is not fair to me, to loose all the money for a car I was not able to drive not even for a full drive and that can not be secured at it wont give a problem in the future. 
I want this car to get remove from my credit report, with the bank Credit acceptance corporate that Ive been in contact for multiple times and I didnt good resolve. They want me to pay the car even though they know the problem with the car XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a letter to XXXX XXXX XXXX regarding a repo appearing on my credit report.The company had 15 days to resond to my letter and to provide the documentation I asked for. 

After 16 days I sent another letter to this time Experian informing them that XXXX XXXX had failed to provide me proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL And that they were required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 

Experian provided me with results of my dispute to show the trade line has only been updated and not removed. Experian did not provide me any supporting documents that were requested.
Product: Debt collection

I XXXX XXXX received a letter Resurgent Capital Services LVNV funding LLC reference # XXXX I dont know anything about this they saying I owe them {$1400.00} which I never opened an account with XXXXr XXXX  at all I have had credit cards but never XXXX XXXX I do believe my sister XXXX XXXX has used my information to open this account her telephone number is XXXX XXXX we dont communicate at all this has been done before she also has stolen my social and ID before the s incident happens in 2003 And I hope they can find out whats going on because they coming for the wrong person even though my name was used without my permission I never give out my information for anyone to use please save me from Identity theft You may lock at my credit report and see I never held an account with this company ever I do pay my bills I wouldnt let it get to this if I owed this amount of money hope you can help thanks XXXX XXXX
Product: Debt collection

ProCollect Inc put a balance of {$2400.00} owed to an apartment back on my credit after they put the account as discharged included in bankruptcy back in 2019. I contacted procollect and the rep said it was not included in bankruptcy when in fact it was. I verified this through my final petition and discharge paperwork. They have refused to remove this debt and now I have to take other actions to get it removed
Product: Debt collection

On XX/XX/2023 I received an email from TrueAccord claiming I owed nearly {$3800.00} for an account with XXXX 's that was transferred to them from a company called XXXX, I never have had such an account. I emailed to them that the account was not mine and cited that the zip code, XXXX, for the debtor was not mine, but they failed to respond to my several attempts to contact them. I finally received an email, two weeks later, indicating that the account, that they still claimed was mine, was transferred back to XXXX. XXXX also has failed to respond to my several attempts to contact them. I have never had an account with XXXX 's and was never contacted by them or XXXX in any fashion either by mail, phone or email, concerning this prior to the email from TrueAccord. I did find that a person with the same first and last name as mine does live at the zip code in XXXX SC XXXX. I advised TrueAccord of this and never received a response. What TrueAccord has done is to link my email with someone else 's financial record. And they refuse to admit their error. I was fearful at first that this was either a scam or identity theft. Now I realize that TrueAccord is a bottom feeder seeking by any means available to enhance their coffers by scaring senior citizens with their tactics. They violated regulation F by not providing in their email to me all the required information concerning the alleged debt. but only the owners zip code and the ending digits of an account number.
Product: Credit reporting or other personal consumer reports

I contacted TransUnion, XXXX XXXX, On XX/XX/2023 regarding the inaccuracies on my credit profile. Wrong Names Wrong Addresses are reporting on my credit profile. however no action was taken. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX I provide proof of my current address and they still have all the old addresses listed. 

I also asked for all negative impacted information remove.
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 - Has violated my rights XXXX XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXX - Has violated my rights XXXX XXXXXXXX XXXX - Date Opened XX/XX/XXXX - Has violated my rights UNKNOWN XXXX -Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX XXXX XXXX XXXXXXXX - Has violated my rights XXXX  XXXX XXXX - {$0.00} - Date Opened XX/XX/XXXX -Has violated my rights UNAUTHORIZED INQUIRIES XXXX XXXX XXXXXX/XX/XXXX - Has violated my rights XXXX XXXX Has violated my rights XXXX XXXXXXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Credit reporting or other personal consumer reports

I am writing this to file a formal complaint against XXXX XXXX regarding their unauthorized sharing of my nonpublic personal information with non-affiliated third parties and consumer reporting agencies. I have taken appropriate steps to exercise my rights under 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ) to opt out of such information sharing, and I believe my privacy rights have been violated. 

On XX/XX/2024, I notified XXXX XXXX that I am opting out of any and all authorizations, whether written, unwritten, verbal, or non-verbal, for the sharing of my nonpublic personal information with non-affiliated third parties, including consumer reporting agencies, for any purpose other than those necessary to provide me with financial products or services. 

I provided this opt-out notice in accordance with the legal requirements outlined in 15 U.S. Code 6802 of the XXXX XXXX XXXX ( XXXX ), and I have retained documentation of my communication with the institution. 

Despite my explicit opt-out request and my clear assertion of my rights under the XXXX, I have reason to believe that XXXX XXXX has continued to furnish my nonpublic personal information to non-affiliated third parties and consumer reporting agencies without my consent. 

This unauthorized sharing of my personal information constitutes a serious violation of my privacy rights and a breach of federal law. I am deeply concerned about the potential consequences of this unauthorized sharing, including the potential for identity theft, fraud, or other financial harm. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure that XXXX XXXXXXXX complies with all federal regulations and laws including the XXXX, to protect the privacy and information security of consumers like me. 

Additionally, I would appreciate regular updates on the progress of this investigation and any actions taken to address the violations committed by XXXX XXXX. 

Lastly, I have already submitted a compliant with the Consumer Financial Protection Bureau against XXXX XXXX. The complaint number is XXXX. 

Please feel free to contact me at at XXXX or XXXX if you require any further information or documentation to proceed with the investigation. I am committed to cooperating fully with your office to resolve this matter and to protect my rights.
Product: Checking or savings account

I had fraudulent activity on my checking account this past summer ( XX/XX/XXXX ). I INSTANTLY called Huntington Bank and headed to the branch to let my bank know about the fraud. A person claiming to be a loan provider scammed me by putting money in my account ( which they took back out because the check was fraudulent ). After going to Huntington Bank and explaining the situation to them, I went and filed a police report at the XXXX police station in XXXX county, Oh. I took a copy of the police report to Huntington Bank personal banker. I was told their fraud department would take care of the fraudulent activity. Then about 2 weeks later I was told by Huntington Bank that I was responsible for the {$850.00} in fraudulent activity even though I was the victim of this fraudulent crime. To this day ( XX/XX/XXXX ) I receive at least 3 phone calls a day from Huntington Bank telling me I owe that money. How in the world can I get Huntington Bank to list the unauthorized use of my account and get Huntington to STOP calling me 3 times a day?????? It's been 6 months since the fraud happened. Everyday for 6 months, Huntington calls me 3 times a day. Also, how do I get the fraudulent activity resolved???
Product: Credit reporting, credit repair services, or other personal consumer reports

My background check came back with 3 addresses I have not lived at. 

XXXX XXXX XXXX, IA I have NOT lived at. 

XXXX XXXX, XXXX, IN I have NOT lived at. 

XXXX XXXX, XXXX, KY XXXX I have NOT lived at.
Product: Credit reporting or other personal consumer reports

This account is been taken as long as they feel like to send back all the information we needed to remove this both accounts have been reported on my credit for over two months and when I contacted the company trying to find out more information on why are they continuing to tell the credit company and tell them oh well we have this to verify that this account is and belongs to the person name XXXX XXXX we can not find out how the information they are saying is more then a copy of a police report that I know I sent in but now it's just comes up lost file I think something is up with the company so be for I file this hard lawsuit against them and I understand they want tlbe able to pay it. Can you look in to this. Company name address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple times to clear XXXX XXXX XXXX Derogatory comments on my credit report. This account was NEVER mine. My credit history validates this as I do not have negative payment history. Experian is falsely displaying inaccurate information about my open and closed accounts. 
I have tried multiple times to have them investigate and they keep returning this is valid debt when it is NOT a valid debt and was never my debt.
Product: Bank account or service

I had a checking account with Chase. I had had a bunch of unauthorized transactions against my checking account resulting in Chase charging me over {$200.00} in overdraft fees. I have part of my paycheck direct deposited in my account but when I went to check my account Thursday XX/XX/XXXX my checking account was not listed online. Tonight I called Chase and was informed that they closed my checking account and that the only way to get my money was to go to a branch and apply for a new checking account. Otherwise I would have to wait 2 weeks for them to send me a check in the mail. I never asked them to close my account they just closed it on me. No notification was ever sent to me that they were closing my account as if I had known this I would have changed my direct deposit. They charged me over {$200.00} dollars for overdraft protection. So now here I am stuck without my money while Chase holds my money hostage.