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

Nissan decided to run hard inquiries on my credit report for 3 consecutive days, totaling close to 17 hard inquiry hits on my report, causing my report to decline drastically. By almost a 100 points. I never gave them written permission to run my report. I only gave them written permission to run my credit one time through the Nissan Website that I already had 5.9 % financing through. Then I bought the car for XXXX $ US dollars, and 8 months later they claim it is only worth XXXX $ even though the car was brand new under factory warranty. Which they don't warranty nothing. They are price fixing, gouging, and currently breaking Anti-trust Federal Regulations. I will be suing them in court to have this removed from my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of the XXXX XXXX XXXX account nor do I have an outstanding balance with XXXX. The credit reporting agency failed to obtain debt verification as requested.
Product: Debt collection

On today 's date, XX/XX/2022, I received an alert from XXXX that an account was placed for collection and listed on my current credit report. The collection agency, Creedence Resource Management, was referring to an account of XXXX XXXX in the amount of {$890.00}. I have no knowledge of this account and have never been a customer of XXXX XXXX. Earlier this year, Creedence Resource Management placed a similar account under my name with XXXX XXXX XXXX for collection. This account was found to be the result of identity theft using my name but an incorrect address and I was later relieved of any responsibility for that account. I do not know if this recent action by Creedence Resource Management was also due to my identity being stolen, but I have no knowledge of any account with XXXX XXXX. The result of this action by Creedence has resulted in a loss of 141 points on my usual excellent XXXX credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a dispute letters addressed to the Credit Reporting Agencies requesting that the Credit Bureaus update, correct, and remove the disputed erroneous accounts that are reporting inaccurate information on my Credit file. I have read that the Credit reporting Agencies are required to report accurate information and investigate and correct any accounts reporting erroneously. I am submitting this CFPB complaint to follow up the previous CFPB complaint I submitted 15 days ago complaining and requesting the same disputes. Also, according to the FCRA, 15USC 1681i, the Credit reporting Agencies are required to finish their investigation within 30 days and send me copies of the results of investigation. 

This action by the Credit Bureaus is a clear violation of a consumer 's rights. I am requesting to the Credit Bureaus to please correct and or remove the following accounts from my Credit report : XXXX XXXXXXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I opened up a Dave account and I have requested advances and paid them back on time. On XX/XX/XXXX I received a call from Dave that stated someone is trying to get into my account and if its not me to enter the code it sends to my number. So I enter the code and someone hacks into my account. Then the fraudulent person requested an advance of XXXX XXXX I contacted Dave immediately as I seen this happen and the lady I spoke with told me some one got into my account and added a card to my account and transferred the XXXXXXXX XXXX to a card ending in XXXX. I DO NOT HAVE A CARD ENDING IN THAT NUMBER. The women then sent me a code to my cellphone so I can reset my password but that still didnt stop the fraudulent individual from having access to my account. So that same day they started an investigation and told me that the fraud team would reach me in 3 to 5 days. It has been a month and nobody from the fraud team has contacted me. So then on XX/XX/XXXX the individual that has access to my account manually repaid the advance using my XXXX account of {$130.00} that I have attached to Dave and as soon as they repaid it they requested a XXXX XXXX  advance. Come on now!!! Why would I do that!!? So I then immediately contacted Dave as soon as my money was stolen from me and nobody helped they just stated they would add what happened to the open investigation. So I then contacted my bank XXXX to dispute the charge of XXXX and during the dispute process, Dave contacted my bank to tell them the charge is legit, KNOWING that I have an open investigation with them, KNOWING that someone added XXXX fraudulent cards ending in XXXX and the other ending in XXXX. Its also funny how Dave sent all the info about the advance and amount of advance but they did not show my bank what card the money was transferred over to because they know I do not have any card with any of those last XXXX digits.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3700.00} XX/XX/XXXX XXXX XXXX XXXX {$2600.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$2400.00} XX/XX/XXXX XXXX XXXX XXXX {$2900.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$83.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I recently noticed a {$150.00} charge on my USAA credit card that I didnt recognize. After reviewing my account, I discovered this same charge had remained on my account for months which was strange, because my account is enrolled in AutoPay. 

I contacted an agent via online chat at USAA on XX/XX/XXXX to discover : -This was a charge in XXXX which was verified as fraudulent, and had been taken off my account -The USAA agent stated : I show that XX/XX/XXXX we gave you a temp credit while we investigated and in XX/XX/XXXX we made that a permenant credit. 

this charge started showing up on your acct after over a year ofa XXXX balance. It could have been something in the system that somehow glitchedand added it back on the acct randomly for some reason. 

it looks like it started showing up again on XXXX of last yearXXXX. But between XX/XX/XXXX and XXXX of XXXX it was totally gone. 

It is what I want to call a phantom charge that isshowing up but the system is not recognizing it because it was already resolved backin of XXXX of XXXX. A year later for some reason a year to the date it was resolved itstarted showing back up again. 

This chat took almost an hour and a half, and did not resolve the issue. The agent sent a note to the dispute department. 

On, XX/XX/XXXX I received a voice mail : Hello, this is XXXX from USAA about a time sensitive matter regarding your recent transaction. 
She did not identify which department she was from, and did not provide an extension to reach her. She only provided the companys toll free number : XXXX. 

That day, I called back and navigated the toll free number to the credit card department, worried that they were calling about a new fraudulent charge. The agent looked at my account and could not figure out why I was called. I spent over 16 min on that call, which went nowhere. Frustrated, I asked her to look into it and then call me back. 

On XX/XX/XXXX I finally received a return call from XXXX, who left the voice mail message. She called to discuss the persistent charge on my account that I discussed in the online chat. At the beginning of the conversation it was apparent that she hadnt done her homework and bothered to take the time to understand the situation. She initially said the balance was due to a new charge in XX/XX/XXXX, which was not the case. She finally figured out that it was due to the fraudulent charge in XXXX which was taken off my account XX/XX/XXXX, but mysteriously re-appeared a year later. 

This call lasted over 33 minutes, and did not resolve the problem. XXXX said she would look into it and call me back early the following week, either XXXX or XXXX. She said she could not provide me a phone extension to reach her. She never called me back, and the issue still has not been resolved. 

Because I am unable to reach an agent at USAA who can help me, and USAA has eliminated the option to send them secure messages or email on its website, I am forced to contact the CFPB for assistance in helping me to resolve this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and Transunion are reporting inaccurate information on my credit report. This account was in litigation due to deception and predatory lending practices. On XX/XX/2022 XXXX XXXX XXXX notified the Court to DISMISS this case XXXX XXXX. On XX/XX/2022 Judge ordered XXXX XXXX XXXX to remove this account from my credit reports. XXXX XXXX XXXX states they will remove this account upon receipt of this letter they already received. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, is reporting inaccurate information on my credit report which 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 an account without my written instructions.

This collection account also violated my FDCPA and FCRA Rights under 1681i ( a ) e ( b ). In accordance with the Fair Credit Reporting Act requires only accurate information be reported. A collection agency can no longer report you owe money when a court of law says otherwise.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have quite a few discrepancies with the Experian credit bureau. I sent out a 609 dispute letter disputing a few inaccurate information on my credit report on XX/XX/2020, and still have yet to receive any feedback from the Experian credit bureau, which is way past the 30-day deadline. To make matters worse, my XXXX  has me under a XXXX credit score as to my XXXX  reporting a XXXX credit score. Now when it comes to Experian, they are reporting a XXXX credit score, which is almost a staggering hundreds of points off from the other credit bureaus. Now I've reached out to Experian about the inaccuracy on my consumer report and was told I have to wait an additional 30 days ; then, I was hunged upon by one of their customer service representatives with a very unprofessional persona. I then reached out to a supervisor to make a formal complaint and I was verbally told the situation will be handled with no assurance. I then asked the supervisor about a dispute that was on my 609 dispute letter stemming back to XX/XX/XXXX she then stated she has no recollection of any disputes ever being made. I proceeded to ask about another dispute that was also on my XX/XX/XXXX dispute letter, and the supervisor miraculously remembers now there was a dispute for that particular item back in XXXX and will remain on my credit report which I never received results and was after the 30 - day mark.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence Engelhardt. v Gravens ( mo ) 281 SW715.719 | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exits. ( Please remove this account before I seek litigation for defamation of character ). XXXX XXXX XXXX. {$18000.00}, XXXX XXXX. {$400.00}, XXXX XXXX. {$2100.00}, XXXX XXXX. {$1400.00}
Product: Debt collection

On XX/XX/year> I send certified letter to Continental Financial, requesting Validation and Purchase Agreement of alleged debt a owe them and that they are Reporting in to my Credit Report. They mail me copies of XXXX XXXX  statements but NO copy of the Purchase Agreement.
Product: Debt collection

I started a mortgage application XX/XX/2021 and was preapproved. Upon receipt of the title work XX/XX/2021, I noticed there was a judgment from XXXX XXXX XXXX against me. I want to payoff this judgment through the mortgage loan. I first contacted XXXX XXXX XXXX for the payoff at XXXX. They advised me that the account is now being serviced by Sessoms and Rogers and to call phone number XXXX. I have contacted Sessoms and Rogers over 10 times trying to get the payoff. The RE attorney I chose for closing my loan has reached out several times as well via email and phone. My loan officer has also reached out several times as well via phone and email. It is now XX/XX/2021 and I still do not have a payoff. Whenever any of us call, they state that are reviewing the file or updating the file and will contact me once it is ready. When I call the XXXX XXXX they say they can not do anything but refer it to Sessoms and Rogers who is now handling the account. When I call Sessoms and Rogers they continuously advise me, the loan officer and my Real estate attorney that they are working on it. It has been over 27 days and they still can not give me the payoff on this judgment.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Debt collection

This is a dispute and claiming a collection that was mistakenly placed on my credit report by XXXX XXXX XXXX XXXX' and " CREDENCE RESOURCE MANAGE '' in the amount of {$210.00}.
Product: Credit card or prepaid card

On XX/XX/XXXX this company charged us interest on a account that had 0 % for 12 months on a purchase that was made two months ago. We used the card after that purchase but made sure that those charges plus the payment on the 0 % charge was paid every month. This company took upon itself to put all of the payment toward the 0 % purchase so we would have to pay interest on the new charge. I contacted this company and they tried to say they can do that for a 0 % purchase that was coming due. They were told that we have 8 months left on that 0 % so that is a wrong statement. Instead of this company just crediting the account the interest a putting the purchase that is 0 % for the following next 8 months they said this could take up to 60 days to fix. This is a company that obviously trys to take advantage of the customers.
Product: Debt collection

XXXX XXXX has made attempts to collect this debt before and was resolved as not our debt. Now they are using Diversified Consultants to re-open this closed matter. Diversified Consultants has never contacted us in any way concerning this matter. While checking my credit report I saw this derogatory collection. I have brought to their attention over 60 days ago without resolve.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Against XXXX Dear Sir/Madam, I am writing to formally lodge a complaint against XXXX regarding their handling of my personal information and related disputes. On XX/XX/year>, I sent a letter to XXXX disputing information they had reported to the credit reporting agencies. Despite the seriousness of my dispute, XXXX has failed to respond to my letter. 

XXXX 's lack of response is not only unacceptable but also a violation of their obligations under the Fair Credit Reporting Act ( FCRA ). Furthermore, they have not notified the credit reporting agencies about the dispute, which is another clear violation of the FCRA. This failure to comply with federal regulations has negatively impacted my credit report and financial standing. 

Additionally, I have discovered that XXXX is reporting my information to a non-affiliate company, which is a violation of my privacy and trust. This unauthorized sharing of my personal information is concerning and unacceptable, especially since I do not have any contract or direct relationship with XXXX. 

Despite my attempts to resolve these issues directly with XXXX, I have received no communication from them. Instead, they have continued to send me bills, further exacerbating the situation. 

I am seeking the assistance of the Consumer Financial Protection Bureau to address these violations and to ensure that XXXX corrects their reporting to the credit agencies, stops unauthorized sharing of my information, and properly addresses my dispute. 

Enclosed with this letter are copies of my correspondence with XXXX and any other relevant documentation to support my complaint. 

Thank you for your attention to this matter. I look forward to your prompt response and assistance in resolving these issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

They didnt delete anything off my credit report its still on my credit report they didnt send me the original contract with my signature this is a illegal
Product: Mortgage

Predatory Lending and an absolutely horrendous company to deal with. " Senior Loan Officer '' XXXX XXXX misled us with bait and switch tactics to get us to refinance with them ; he was given all our information for taxes and insurance and quoted us a payment based on the actual numbers. A few months into our refinance, our Escrow was over drafted. When we inquired about it they claimed its because our taxes and insurance changed which they did not ; this led to them increasing our monthly payment by over {$800.00}. It took an act of God to get it straightened out and multiple managers not to mention countless hours of my time on hold waiting to talk to someone who was competant. The best part is, this was only the first of 4 times they've done this to us in the 4 years since we refinanced. Multiple follow up messages to XXXX were either ignored, or he passed the buck to the servicing company to which the loan was sold. This loan was never right from the beginning and has never recovered.
Product: Mortgage

I had a mortgage at loandepot and refunded with them. My settlement was XX/XX/XXXX. In order to not have to bring a payment to closing and avoid going to a bank during covid I was advised I could pay my payment due in XX/XX/XXXX early during XXXX and then those funds would be applied at closing so I didnt owe money. I did this and the closing went great. Online I can see my loan was paid in full on XX/XX/XXXX but on XXXX/XXXX/XXXX loan depot incorrectly automatically pulled {$4100.00} from my bank account when my loan was paid in full and my XXXX payment was already made in XXXX. They clearly have a lack of controls on their payment processing process. 

I called up the next day to ask them why they did this and have the payment refunded explaining I did not want to wait for my refund of my loan because they improperly pulled this money and I needed it due to Covid issues. My son got XXXX  back on XXXX and my wife had to quit her job due to care for my son and has been unemployed since without any state unemployment. The person on the phone told me she would process a request to refund it and I should happen in a week. It has now been 24 days since my loan was paid in full I have still not received the refund. I called loandepot on Saturday XX/XX/XXXX and was told that the request for a refund was cancelled because they would refund the money with the normal escrow process 17 business days after the closing. This is unacceptable as they had no right to take this money in the first place but additionally Friday XX/XX/XXXX was 17 business days after the close and I am on the phone with them and am told the escrow refund is still not processed. In my opinion this is unfair business practices.
Product: Vehicle loan or lease

When I moved to  XXXX  ( from  XXXX  ) i n    XXXX   XXXX     , Infiniti Financial Serv ices ( IFS ) began charging me a 10 %   XXXX    sales tax on my monthly bill. A fter researching   XXXX   tax code, I do not see any code that indicates a sales tax is required for vehicles originally registered in another state before establishing residency in   XXXX  . Since XX/XX/XXXX  , I  've made several inquiries to IFS via phone and in writing but they have not provided any details to support this 10 %  XXXX  sales tax. I also contacted the  XXXX  Office of Tax Revenue and was informed that sales of motor vehicles and trailers are not subject to sales and use tax but only to excise tax of 6 % in  XXXX . Even  XXXX  states that the sales and use tax does not apply to the sale of motor vehicles. The 10 % rate in  XXXX  applies to rentals of motor vehicles and utility trailers, except those registered for commercial purposes. Only rental or leasing of rental vehicles and ut  ility trailers is taxable. I did n't purchase/lease this car in   XXXX    nor is my lease classified as a rental vehicle.
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I believe IFS is erroneously charging me ( along with many other lease customers ) and refuses to correct their mistake. Please help!
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. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX 
Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX/XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX has violated my rights. Or 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.