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

I ordered a copy of my report in and I found out that credit reporting agencies still indicate my dispute of information in my credit report. As of todays date, Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

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 or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX  XXXX XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXXXXXX # XXXX  -- IDENTITY THEFT XXXX # XXXX -- IDENTITY THEFT XXXX XXXX XXXX # XXXX -- IDENTITY THEFT 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

EverBank failed in the first complaint to address the issues in the   XXXX   XXXX  , 2017 letter sent to their attorney 's. It appears that they find the issue of past debt associated with securing the said property irrelevant. Their attorney 's filed the letter ; a signed document away as though it was a trivial matter. They mentioned that a copy of the existing P & S agreement was never forwarded to them. Their attorney 's were not communicating with   XXXX   XXXX   if only they had one would have been sent. It can be shown to a judge.
The   XXXX   XXXX  , 2017 letter was a response to a   XXXX   XXXX  , 2017 letter, an invitation to dispute the amount owed on the said property. The disputed resolution is backed by legal documents, engineering reports, witnesses, photographs, itemized receipts and sections of the law. The purpose of this second complaint is to get EverBank to step up to the plate and answer the question. A debt is owed on the property, paid by   XXXX   XXXX   that has not been paid and needs to be addressed. This matter will be settled either in or out of a court of law.
Their attorney 's were told that external forces that are not visible affect this property and such maneuvers are warned against.   XXXX   XXXX   suggests that all parties read the   XXXX   XXXX  , 2017 letter again. This will be the last time it will be mentioned outside of a court room.
Bad paper is not irrelevant. The question   XXXX   XXXX   wants answered is : Is EverBank going to pay the bill for securing the said property? Do not write an evasive letter with paragraphs that rehash old news, that paints a one sided view of the findings ; or insinuates that   XXXX   XXXX   XXXX    motives are out of desperation but a simple Yes or No response.   XXXX   XXXX   has the right to seek additional damages associated with this matter. It has been over sixty days since the  XXXX  letter was sent, EverBank has yet to answer this question.
Product: Debt collection

They ran my credit without my Consent on XXXX and opened an fraudulent account and have been reporting it late ever since damaging my credit.. I contacting them with a pay to delete letter on XXXX and by them cashing my check the agreed to delete the account the never removed and are still reporting it late
Product: Mortgage

Rushmore Loan Management Services purchased my HELOC from XXXX XXXX. I have received no statement from Rushmore, and they have put me into collections. I do not know how much I owe. After talking to them yesterday XX/XX/XXXX, they told me I would not owe penalty interest or late fees. Today, they are calling me accusing me of not paying, and telling me that I am in collections. They also claim that statements are " optional, '' and not required for debts owed. They have been and continue to be rude and treat me like a debtor. They also continue to call my wife, who is not on the loan, even though she has provided them other phone numbers. Additionally, they did not verify my identity prior to attempting a debt ( although I did not know what my payment was ).
Product: Credit reporting or other personal consumer reports

Request for Security Freeze on Credit Report Dear Sir/Maam : This letter is to formally request a security freeze on my credit report. 
I am concerned about unauthorized access to my personal information and would like a security freeze placed to prevent potential creditors from obtaining it without my authorization. With a security freeze, a temporary PIN will be required for anyone to access my report. 
My personal information is as follows : Full Name : XXXX XXXX XXXX of Birth : Date of Birth XXXX XXXXXX/XX/year> Social Security Number : SS # : XXXX Current Address : XXXX XXXX XXXX XXXX, Florida XXXX For verification purposes, I have enclosed photocopies of the following documents : Government-issued ID Proof of residence Please send instructions on how to obtain a PIN to temporarily lift the freeze in the future. 
Thank you for your prompt attention to this matter. I look forward to confirmation of the security freeze on my credit report. 

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

The balance for my mortgage loan through Bank of America ( XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX ) is reported incorrectly on my Credit Report for XXXX and XXXX XXXX The balance reported on my Credit Report is {$120000.00} when in actuality the balance ( from the account center and statements attached from Bank of America ) is {$110000.00}. Ive disputed this incorrect information through XXXX XXXX and XXXX, XXXX, and XXXX and no changes have been made to reflect the accurate balance. My credit score has been negatively impacted as a result. 

XXXX File ID Number : XXXX XXXX Dispute Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX  and XXXX have reported multiple hard inquiries as I am shopping for a mortgage and refuse to remove them. This website, consumer finance.gov states that all mortgage inquiries made within a 45 day window will be treated as one inquiry. Why is this happening? It is severely impacting my ability to buy a home and clearly goes against the consumer protection standards detailed here. The first inquiry was XX/XX/XXXX by XXXX XXXX and the second by XXXX XXXX on XX/XX/XXXX. Both show as credit unions and were for mortgage purposes.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN continues to report accounts XXXX XXXX and XXXX savings bank as open when it was closed XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern i want to inform your office that you are in violation of fcra and fdcpa .you have violated my rights by reporting false inaccurate information by placing these false accounts on my consumer credit report. The list of collections that are reporting has not been opened by me i have no knowledge of them, be advised by law i have the right to PRIVACY and you the credit reporting agencies have violated it.the list of accused collections accounts and dates FOLLOW AS : XXXX, XXXX & XXXX opened XX/XX/2021 for {$220.00}, XXXX opened XX/XX/2021 for $ XXXX LAW WHEN AN CONSUMER STARTS A DISPUTE WITH A CREDIT REPORTING XXXX XXXX THE ACCOUNT THE CONSUMER IS DISPUTING MUST BE DELETED UNTIL FURTHER INVESTIGATIONTHE CREDIT REPORTING AGENCIES AS FOLLOW : TRANSUNION IS CURRENTLY IN VIOLATION AND HAS VIOLATED MY RIGHTS UNDER FCRA AND FDCPA, under 15 U.S. Code 5 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system ( b ) Reasonable procedures it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit. 
personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
Product: Payday loan, title loan, personal loan, or advance loan

On Friday XX/XX/2023. XXXX from Service Loan located at XXXX XXXX XXXX XXXX TN XXXX contacted my XXXX  XXXX to let her know that I needed to get in contact with service loan because my loan was past due. I know theres privacy laws when it comes to these personal loans but they did not have the right to go tell my reference what they were calling me for. I have been an outstanding customer for the past year but this was unacceptable. XXXX have been very unprofessional and I am very upset. Id understand if I was XXXX or even 90 days late but I was only 6 days late. I work XXXX hours a week. Give me time to call back before reaching out to everyone on my list. She called my sister after calling my Job 5 times and cell phone 3 times and leaving XXXX voicemails within an hr.
Product: Checking or savings account

I opened a checking account XX/XX/XXXX and had to turn myself into jail and go to prison. I did not give power of attorney or consent to anyone using my debit card. While incarcerated for 18 months I got released and unfortunately found out my account had been closed XX/XX/XXXX due to {$520.00} overdrafted account that Bank of America charged off. When I told them I have been incarcerated and was released XXXX XXXX. I reported fraud on the whole account ( XXXX claims ) and after reopening these claims and sending documentation that proved that I was incarcerated the whole time. Bank of America only approved XXXX claims. XXXX covering the overdraft balance of {$520.00}. Then the other amounts {$61.00}, {$62.00}, {$230.00} were mailed to me in checks. The other claims were denied, stating that I had given permission to use my card and that if I would like the documents leading to this decision to call them so I did and I have yet to receive these documents. They said they would reopen the claims but they were denied within a few days. I opened the account with {$6200.00}. Bank of America assured me that my money would be okay after explaining my situation. When I filed all the fraud claims they went back and duplicated claims and I was then confused because the original claim numbers were no longer the same and instead of XXXX claims it turned into XXXX claims. I felt like they were trying to confuse me. All I was told to do was send in proof of incarceration and I did 3 times. I even wrote a statement stating that I went to jail and my card info was found and used. However I did not give permission/consent to use my account.
Product: Credit card or prepaid card

When my Chase credit card renewed, I didn't realize I was charged additional fees for some unknown " authorized user. '' I thought it was fee for myself alone. The charge description never indicated who was it for, or what it was for. It just says " fees. '' Nothing in my Chase account shows that I had another user on the account. I can't see anything about this other user. I didn't realize the fee was for ANOTHER person until XX/XX/2022. That is how long it went unnoticed because Chase didn't want me to know. 

I had to call the customer service 3 times on XX/XX/2022. All of them said, " You can't see the authorized user or remove them on your end. BUT YOU SHOULD KNOW and you have to pay the fee for this person, because of the terms of our agreement. '' When I asked, " How do I even find out about this other person if I can't see anything about that person on my account? '' One rep even said the only way I would find out as a customer was to see how many times the {$75.00} fee was charged. So if I got {$750.00} fees, that means I have 10 unnamed users on my account. He claimed that, " It's all in the file! '' But I as a consumer, don't even know that file exists and who those people are! 

I asked, " Is what you're doing legal? '' Chase reps say, " You agreed by the terms of agreement. '' I did NOT agree that I pay for unknown people on my account that I can not see or remove! 

Chase is being deceptive and manipulative and tries to collect as much fees as unethically can. People can easily " Add authorized user '' on the web portal, yet there's no way to see existing users or remove them. If people 's account are stolen or compromised, Chase doesn't want you to know but want to bank on your ignorance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several certified letters to Transunion ( XXXX and XXXX ) regarding incorrect information being reported on my credit report and have submitted supporting documentation for my claims but Transunion still claims they were able to verify the inaccurate information. Regarding file XXXX. Please see letter attached letter that has been sent to creditor. On XX/XX/2018, I sent a letter to XXXX XXXX XXXX in response to a debt collection letter I received stating I owed a balance to XXXX XXXX. It is now showing up on my credit report as an unpaid balance that went into collections. I paid this balance in full in XX/XX/XXXX directly with XXXX XXXX, so it should have never gone to collections or have been reported as past due. I have not received a response from them.
Product: Credit reporting or other personal consumer reports

I got my credit report from XXXXTransUnion XXXX I don't believe they had a permissible purpose for doing this because I never requested to do business with them/never did business with them. I am disputing these 3 Hard Inquiries by feaude, I demand that they be removed immediately. 


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
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

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: Mortgage

After reviewing all of my payments with my bank made to my mortgage I believe my mortgage company should not have filed for a foreclosure since I was not more than 120 days behind. On XX/XX/XXXX my bank sent {$1500.00} and XXXX they sent another {$700.00} and {$1000.00} on XX/XX/XXXX which was rejected and resent on on XX/XX/XXXX with an additional {$2100.00} which would of put my account less than 90 days at the end of XXXX. My original loan paperwork allows for partial payments and I have a copy of that. The summons and complaint was not filed until XX/XX/XXXX with the courts. I do not believe the mortgage company had the right to reject the XX/XX/XXXX payment to force my account to become further behind or to file for foreclosure. I have emailed loss mitigation and gotten no response. The payments sent on XX/XX/XXXX also had to be mailed now due to the company rejected my payment. Which now makes it harder for my payments to receive them. After research and speaking with many resources i believe the things they are doing are wrong. over XXXX and XXXX we paid {$5300.00} and over the previous two months we paid {$4900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX XXXX XXXX who is XXXX Visa I tried to do a credit increase they said my report told them my usuage on this card is too high My issue with this credit company they have not reported my card Since XXXX of XXXX I have also ask of them to remove the late from XXXX because it was covid I need them XXXX XXXX ans transunion to rescore my credit I lost XXXX points with this company I have paid this card off several times in the past 3 months that has not been reported.
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 168b permissible purposes of consumer reports. 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. 
ACCOUNT NAME : XXXXXXXX XXXX XXXX XXXX ACCOUNT NAME : XXXX XXXX XXXX XXXXXXXX ACCOUNT NAME : XXXX ACCOUNT XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It states, a consumer reporting agency can not furnish account without my written instruction.

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.

15 U.S.C. 1682c ( a ) ( 5 ) Section States : No, consumer reporting agency may make any customer report containing any of the following items or information any other adverse items of information, other than records of conviction of crimes, which antedates the report by more than seven years 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person, so I'm not afraid of any information relating to a consumer to any consumer report agency if the person knows or has reasonable cause to believe that information is an accurate
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a complaint to this company for furnishing items unlawfully on my consumer report. I have not heard from this company, and they continue to furnish items that violate my rights as a consumer. 18 U.S Code 1341 Frauds and swindles. This company has no regards for federal law. I have accumulated multiple violations on this company 's behalf. Including 18 U.S Code 1028A aggravated identity theft, 18 U.S Code 872 Extortion, 18 U.S Code 880 Receiving proceeds of extortion, 18 U.S Code 1972 Racketeering, 28 U.S Code 4101 Deformation of character. That's not to mention the FCRA and the violations this company preformed by sharing my information without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXXXXXX XXXX Account Number : XXXX, has violated my rights. 

I have already disputed these accounts with the bureaus, but they did not remove them, nor prove validation. 
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

No action was aken by the company Oportun or credit reporting agencies. I called and explained numerous times that these accounts were inaccurate and did not belong to me as I am a vivctim of Identity theft. I attempted to get these items removed from my credit reports and submitted several disputes. No disputes were successful and inaccurate reporting really hurt my credit score and has really affected the way in which creditors look at my credit. I was even declined an apartment due to innaccurate reporting from Oportun and credit reporting agencies. I have sent credit reporting agencies ( XXXX, XXXX ) and Oportun disputes in writing and proof that I am a victim of identity theft by including identity theft police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The company XXXX XXXX, previously reported to the three major bureaus that I had a bankruptcy on my credit report, and that was in fact incorrect. They have been reporting this info on my credit, and it has prevented me from opening accounts. I asked the bankruptcy court if they released information stating I filed a bankruptcy and they denied that, which i attached the letter. 

I reached out to XXXX XXXX and they also removed the information related to a bankruptcy of my report as well. I also attached that letter ( s ) stating this information as well. 


I do not know why this information is still on my report.
Product: Credit reporting or other personal consumer reports

They efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or correct the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX