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

I declare under penalty of perjury ( under the laws of the United States, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All are being investigated by the FTC XXXX Account Number : XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, LA XXXX XX/XX/2020
Product: Credit reporting or other personal consumer reports

I sent dispute letters to Experian on XX/XX/year>. I received feedback on XX/XX/year> stating that they would not initiate the dispute as safeguard from fraud. I sent a copy of my drivers license, statement for proof of address, and my social security card providing the proof. I have a copy of the email that Experian sent to me as a stall letter. Experian 's refusal to reinvestigate after I challenged its accuracy of my consumer report is a violation of the fcra and I am willing to challenge them to the furthest extent. I have attachments for proof
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I called XXXX XXXX XXXX XXXX, Transunion and XXXX and advised of the inaccuracies on my credit report as well as inquiries I was not aware of. 
On XX/XX/2022, I received a letter from XXXX indicating the amount paid and date paid. They indicated in the letter they would advise CRAs. ( letter attached within this complaint ) On XX/XX/2022, I received letter from XXXX indicating XXXX account was verified as accurate. However, addresses were removed. I also requested specific inquiries be removed as well. They were not. 
On XX/XX/2022, I received a letter from Transunion indicating the XXXX account was verified as accurate. Again, addresses were removed as well as inquires. However, not all requested. 
On XX/XX/2022, I mailed all three CRAs letters indicating the inaccuracies i need to be addressed. I've attached those documents. 
On XX/XX/2022, I received a letter from XXXX indicating the XXXX account was verified as accurate. However, addresses requested were removed as well as inquiries. 
On XX/XX/2022, I ordered credit monitoring from 3 different services and my reports was not and is not noted that accounts are in dispute. 
Still to this day my reports are not noted that the account was in dispute. This is clearly a violation.
Product: Credit card or prepaid card

In XX/XX/XXXX I applied for an XXXX / XXXX XXXX XXXX and was approved. It is backed by Comenity bank. On my XXXX statement I noticed my available credit was XXXX and my limit was XXXX. I called immediately and was told the account was closed but was NOT provided a reason one. They said a letter was mailed out which I did not receive. Finally in XX/XX/XXXX I received a letter stating the account was closed due to a negative relationship with Comenity. 

I called and was told I could appeal it and message them on my CC log in page. My credit history has NOT changed since XXXX XXXX, in fact it has improved. My XXXX XXXX XXXX was in good standing and paid on time. There are NO other new negative items reported. I pulled all 3 credit bureau reports. This was the e-mail I received " Taking a look at your account, I see it's associated with what Comenity [ Capital ] Bank considers to be a risky financial history. '' Again, I am not sure what account they are referring to, but there is NO NEW information reported since XXXX XXXX. 

I asked XXXX to re-open my card, because as we know, closing accounts also affects your credit score. XXXX / Comenity refused. This card was open for less than 5 months. If there was something negative, then they should have done their due diligence at the time of my application. Closing a card with a balance reflects poorly on my credit score and is an unfair business practice. 

I would like this account in GOOD STANDING, re-opened, and a copy of the exact information and date of the item they are referring to. 

Thanks, XXXX
Product: Money transfer, virtual currency, or money service

On XXXX I received a fake fraud alert on my phone about my credit card misuse. I responded to a phone call immediately and the person said he was from my XXXX XXXX XXXX XXXX XXXX fraud alert center. His phone number and texts showed the XXXX which led me to believe it was from my real fraud alert calling me. I fell for his scam and gave him my credit card, debit card, and bank login ID. At the time I was not at my computer. Afterward, when I received my second fraud alert, which was real, I called my bank and was told the first fraud alert was faked. The scammer used my bank ID and changed my password and transferred {$500.00} from my account to an online bank, Zelle bank. I requested that my bank freeze my account, block my credit card and debit card and see if I can get my money back from this Zelle online bank. I also filled out a fraud banking form last Friday with my bank. 

The scammer name is : XXXX XXXX XXXX maybe he is in a group of scammers since his name is on the bank fraud form ) Scammer email : XXXX. 

I fell victim to a fake fraud alert, fake phone number and fake email of my bank. Please alert other seniors of this new scam and I hope you and others can help to catch the scammers, especially this type of scams that target seniors. 

Appreciate your help. 

Thanks. 

XXXX XXXX
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 # XXXX, XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  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
Product: Prepaid card

This Visa gift card continually declines purchases. I just tried to purchase groceries, and it declined again. When I call the company they keep insisting I try the card again. The company appears to be intentionally making it so the card does not work. I just want my money returned now. This has been very frustrating.
Product: Student loan

In XXXX, I consolidated my student loans into one payment. In XXXX, when the Public Service Loan Forgiveness Program was announced, I contacted my lender to ensure that my loan would qualify. I'm a XXXX  and was elated to learn that it would qualify especially after having been given wrong information by my college ( University of XXXX ) and therefore not qualifying for the XXXX XXXX XXXX. The University failed to inform me that you couldn't have an outstanding loan balance prior to XXXX XXXX. I went to XXXX XXXX - XXXX and had approx. $ XXXX in loan debt prior to attending grad school for the XXXX   credential and XXXX XXXX program. Had they properly informed me, my parents and I would have found a way to pay off the relatively small amount of loans so I'd qualify. Anyway ... .MyGreatLakes, my loan servicer assured me I was in the right program so the other day when I logged in to the Public Service Loan Forgiveness Tool to begin processing the paperwork and find out that my loan doesn't qualify and in order to qualify I need to re-consolidate again from an XXXX to a new consolidation loan and my 10 years of payments starts all over again!!! After researching options online, I found many stories just like mine with my same loan servicing company. This is entirely unacceptable. I did what I was supposed to. It's not my fault I was given incorrect information yet I'm the one paying the consequences while the loan servicer gets off with no consequences. I was assured by my loan servicer that I'd qualify for forgiveness. If one can't trust the people whose job it is to provide proper information, who can we trust and how do we know what to do? Unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/2022, to remove these accounts that are inaccurate to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts or information not later than 4 business days after XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. Please do immediate action regarding this matter. 
XXXX XXXX Balance : {$23000.00} XXXX  XXXX XXXXBalance : {$0.00} XXXXXXXX XXXXBalance : {$0.00} XXXX XXXXBalance : {$0.00}
Product: Mortgage

I have a mortgage which was originally with XXXX. I 've been working with them since XXXX XXXX to complete a deed in lieu process, which was recently approved with a {$6400.00} incentive due to me. I was advised by the representative at XXXX that they would draft the final papers for me to sign and the new servicing company would take it from there. The servicing of the loan was sold to Bayview Loan Servicing , LLC on XXXX/XXXX/XXXX. Given the urgency, I have been following up regularly with my representative at Bayview, to no avail. It seems as if they are purposely delaying the process by not returning my calls in a timely manner or following up with the necessary parties to complete this deed in lieu, which has already been approved. The house has already been taken over by XXXX, yet I continue being billed for water, etc. Time is of the essence and I 'm being put in a stressful position, because of the risk of foreclosure. I need someone to help intercede, given the sensitive and urgent nature of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Please be advised that you and the company ( XXXX ) are currently in violation of Section 4021 of The CARES Act by negativity reporting this adverse payment information. 

Please see the attached document provided by the CFPB in regards to this issue. 

Per The CARES Act ( Section 4021 ) helps consumers in several ways Suspends negative consumer credit reporting during the COVID-19 pandemic plus an additional 120 days. Prevents credit scores from being ruined by preventing adverse information being added to consumer credit reports and prohibiting credit score furnishes from creating and/or implementing new credit scoring models that would lower existing consumer credit scores during the COVID-19 pandemic. 

I kindly request you remove this negative reporting information from the period XX/XX/2022, as this time frame falls within the protected time frame under Section 4021 and multiple calls, messages and chats were sent to you letting you know of my financial hardship due to COVID-19. Not only did you fail to provide me correspondence in response to my query, you also failed to notify me of the delay in payment after I was hospitalized due to XXXX. 


I have contacted you and the merchant regarding this violation and have not received a response regarding my complaint. 

I will be forced to take further action should you fail to update this information regarding the negative reporting during the protected time frame. 

Thank you, XXXX XXXX
Product: Debt collection

Credit Management , LP, ( doing business as ) The CMI Group, is in violation of 15 U.S.C 1692-1692p. On XX/XX/2019, I XXXX XXXX do swear that I received a phone call at work from a Representative of Credit Management , LP, ( dba ) The CMI Group in violation of 15 U.S.C 1692c ( a ) ( 3 ). The person i spoke with was both abusive and oppressive with me, in violation on 15 U.S.C 1692d. 
The individual calling did not acknowledge his name or the name of the Entity in which he was calling from, in violation of of 15 U.S.C 1692d ( 6 ). I was unable to talk at the time of the initial call, so i called back and spoke with a young lady by the name of XXXX. 

I verified with her my name, and the number in which i was calling from. upon locating a reference number, XXXX would not continue the call unless I provided her with additional personal information which i refused to due. She ended the call quite abruptly with me after not given the reason for the initial call from Credit Management LP, ( bda ) The CMI Group.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for somewhere new to move and was declined. I was supplied with a copy of that report and noticed 2 different judgements/evictions from : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX  XXXX XXXX XXXX # XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have never been associated with neither of these apartment complex or these addresses.
Product: Credit reporting

XXXX has requested a hard copy of my Credit Report which I did not request. It was reported by Experian on XXXX/XXXX/2016 XXXX XXXX XXXX XXXX XXXX, SD XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name XXXX XXXX XXXX this complaint is not made in error neither is it being made by a XXXX party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the XXXX and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.
Product: Credit reporting

There is Public Record Information on my credit profile that I feel is inaccurate in its filing. This derogatory is dismissed and as the term " Dismissed '' means that it is adjudicated by the law, I challenge the bureaus. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the BAPCPA " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they DO NOT VERIFY to credit agencies. By law I have a right to the complete identification of who " VERIFIED '' this to be accurate. This discrepancy has prevented me in my personal life 's pursuit. I am asking the CFPB to advocate for me in this challenge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and has a current and recent police report on file with Chex Systems. The following Inquiries Viewed Only By Me currently on my Chex Systems XXXX Report ID : XXXX is an unauthorized and fraudulent inquiry : XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX, Inquiry Date : XX/XX/2022.
Product: Vehicle loan or lease

XX/XX/2017 I went to XXXX Nissan to do a trade in payoff for a new car which was a XXXX XXXX  XXXX XXXX Me and my co-sign XXXX XXXX got approved by Nissan motors acceptance corporation. We both signed paperwork for the car but not technically on the same day of the purchase. After we were told that the paperwork was cleared and spoke to a representative from Nissan motors acceptance to answer questions, everything was fine and we had to wait to receive our account number and other information through the mail. Soo the next week on XX/XX/2017 I got into a bad car accident with an off duty police officer and the car got total. The next day or couple of days after the accident, I told the dealership my situation and being that I had gap insurance and my auto insurance sent out a settlement check for the car. At the time I told the dealership, they wanted me to come in on XX/XX/2017 to come in and signed another contract for a different bank which was XXXX XXXX  and told me that the gap insurance was still going to cover the remaining balance left on the loan for the car. Also, with the new contract I noticed that they wanted to switch me as co-signer and my girlfriend as primary buyer which was kind of confusing because onnthe first contract I signed on XXXX XXXX, I was the primary buyer and my girlfriend was the co-signer. After the contract was signed, I contacted gap insurance to file a claim on the vehicle and was told that I cant file a claim on the car because the accident happened on XX/XX/2017 and I signed the contract on XX/XX/2017. In they system nothing showed up about Nissan motors acceptance which I signed on XX/XX/2017 only the XXXX XXXX contract. They told me to contact Nissan motors acceptance to get a account number to dig deeper into they system to find out the issue which I did and they told me no account exist in they system using my name and social security numbers. I contacted gap insurance back and shared the information I got from Nissan motors acceptance and they told me its nothing they can do because the contract was signed on the XXXX of XXXX and the accident occurred on XX/XX/2017. Apparently, we were lied to about the paperwork being good and basically been driving the vehicle of the lot with no loan. Now Im stuck with the XXXX XXXX  loan and I dont even have the car in my possession. Its really affecting me and I cant do anything unless this loan gets resolved and removed from my credit. This need to be fixed ASAP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Multiple accounts that are incorrect are reporting on my credit reports XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX USDOE/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Oportun has stated in its statement that Federal law limits the information consumers can ask to not be shared.Can Oportun please provide me with documents that support their statement? Because as stated in 15 U.S code 6802 ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.
Product: Credit reporting or other personal consumer reports

. To Whom It May Concern : Upon reviewing my credit report, I noticed discrepancies on my credit report section, which I believe is inaccurate. I am requesting your assistance in investigating and correcting this information. 15 USC 1681s-2 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. 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. Pursuant to 5 U.S.C. 552a ( i ) ( 3 ), I am requesting that this disputed item be removed permanently from my credit report immediately. This statute states that any agency which fails to maintain any record with accuracy, relevance, timelines and completeness as is necessary to guarantee fairness in any determination shall not use such record. Account XXXX XXXX XXXX. ( XX/XX/year>XXXX  )
Product: Debt collection

They call me sometimes XXXX  times a day from various numbers. When I call them back a voicemail from another company comes up, such as XXXX XXXX XXXX XXXX or XXXX XXXX XXXX. I owed a small debt to XXXX XXXX XXXX  that closed in XXXX and now that has been removed from the credit bureau but XXXX XXXX  shows up with an opening date of XXXX. I have asked them to stop calling, disputed the dates on my credit report, blocked numerous numbers, but they continue to call me multiple times every day. I've researched them and it seems they are habitual offenders.
Product: Checking or savings account

Chase bank is refusing to allow me to dispute a tranaction of a item that was counterfeit. I purchased a item on XXXX and the item is counterfeit which is legal in the US. I need chase to refund my money and they are refusing to do so.
Product: Credit reporting or other personal consumer reports

THIS ACCOUNT APPEARS TWICE ON MY CREDIT SHOWING XXXX XXXXXXXX AND ALSO SHOWING XXXX XXXX. {$460.00} BALANCE. 

I have written THE CREDIT BUREAU XXXX XXXXXXXX XXXX XXXX XXXX numerous times to exercise my consumer rights of validating the debt that is being reported and affecting my consumer report. Per 15 U.S. Code 1692g - Validation of debts, If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector I am filing a complaint against THE CREDIT BUREAU AND XXXX XXXX XXXX XXXXXXXX XXXX to dispute the validity of the debt that has continuously been attempted to be collected by me. I have decided to file a complaint expressing my concerns regarding potential violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically under USC 1692g, which governs the validation of debts. 

I am well aware of my rights under the FDCPA, and I assert my right to dispute the validity of the alleged debt and to request the verification of this debt as stipulated in USC 1692g. Please consider this letter as a formal dispute and request for validation of the debt. I dispute the debt as follows : Experian : XXXX REASON : 15 U.S. Code 1692e - False or misleading representation INSTRUCTION : PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT. YOU ARE VIOLATING 15 U.S. Code 1681e - Compliance procedures Lack of Sufficient Information : Your initial communication this month failed to provide adequate information to enable me to determine the validity of the debt, including the name of the original creditor, the amount owed, and the nature of the debt. Incomplete or Inaccurate Information : The information provided in your subsequent communications has been inconsistent and incomplete, further hindering my ability to assess the legitimacy of the debt.