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

XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Credit Reporting Agency ( XXXX, XXXX XXXX, or XXXX ), I am exercising my right under the Fair Credit Reporting Act, Section 609, to request information regarding an item that is listed on my consumer credit report : XXXX XXXX Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT ERC -ENHANCED Collection Agency, account number XXXX, NEVER HAD THIS ACCOUNT PLEASE HAVE THIS INACCORATE INFORMATION REMOVED AT ONCE. 
XXXX CHILD SUPPORT COLLECTION AGENCY, ACCOUNT # XXXX IS ON MY CREDIT 2X WITH A XXXX AND A XXXX THIS IS NOT MINE, XXXX CHILD SUPPORT COLLECTION AGENCY ACCOUNT # XXXX IS ON MY CREDIT REPORT 2XFOR THE SUM XXXX THIS IS ALSO NOT MINE BOTH ACCOUNTS WERE OPEN ON THE SAME DAY, PLEASE HAVE THE inaccurate INFO REMOVED FROM MY CREDIT FILE.As per Section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. 
My identifying information is as follows : Date of Birth : XX/XX/XXXX ASSN : XXXX As proof of my identity, I have included copies of my, Social Security card, drivers license, I have also included a copy of my credit report with the account I am requesting to have verified circled and highlighted. 
If you are unable to verify the account with the original contract, the information should be removed from my credit report within 30 days. 
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, TX XXXX XXXX  XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX. XXXX XXXX XXXX, GA 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 Account # : XXXX, XXXX XXXX XXXX XXXX XXXX ACCOUNT 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 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 desputing an account with XXXX XXXX through XXXX, XXXX and Experian. The credit bureaus have failed to investigate my despute for more than 90+ days. This derogatory account is affecting my accounts negatively.
Product: Debt collection

XXXX was never sent to me, I never received bill or phone call and suddenly saw a bill collection of {$170.00} in my credit report. I called the company Transworld Systems XXXX XXXX XXXX XXXX, XXXX, DE XXXX ), Account XXXX and they said it was a XXXX XXXX initial medical bill, they didn't even have my correct address. Company refused to delete entry in my credit even though they admitted they never sent out the bill.
Product: Mortgage

I found out today that because Carrington Mortgage reported me as having a 180 day late in error ( which I am still trying to get fixed ), there is no potential for me to buy a house before I die. 

I was told I would be able to purchase a house once 12 months has past since Carrington reported the 6 months of delinquency ended. PROBLEM ... .... I was never late for 6 months and then these idiots never filed dates because it never happened. It only shown on my report as a 180 day late with no dates.
Product: Student loan

LOANS SERVICED BY DIRECT LOAN SERVICING CENTER ( ACS ) REPAYMENT PLAN : Standard Repayment Plan This is from my FSAL Dashboard. 

It clearly states my FSAL were Direct Loans. 

Why did they become Commercial Loans when XXXX acquired the FSAL in XXXX? 

What happened?
Product: Vehicle loan or lease

XX/XX/2022 {$28000.00} I have no title to the vehicle, I have requested my registration and tags from the dealership, I have requested to stop payment of {$600.00} per month, a loaner or rental car to get to work because I have no tags, I have asked to cancel the business deal because it's fraud, take their vehicle back and give me my down payment, remove all debts off my credit to date there have been no resolution Capital One auto XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters to explain that these accounts are fraudulent, INACCURATE. To further explain, I have been away from my home for over a year and a half. I have a traveling career. With that being said, I do am away from my home for several months at a time. My home was broken into while I was away. My personal information was taken from me ( Social security card, passport, duplicate of drivers license, along with other items within my home ). This was brought to my attention due to not only my belongings being missing, but also because my credit has taken a DRASTIC change. Several accounts were opened by using my identity. I have tried disputing these errors several times. I do not know what to do anymore. I have worked very hard for what I have and worked hard to make sure that I did not live my life full of debt. My credit score has been RUINED due to some pathetic CRIMINAL!!! I am taking the fall for it. If that was not stressful and hectic enough, now my Experian file is saying that I am DECEASED!!! I am not sure if someone has a similar name or has stolen my identity. I NEED THIS FIXED AS SOON AS POSSIBLE!!!!!!! PLEASE help. 
The following accounts ARE mine : XXXX XXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( opened XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXXXXXX XXXX ( opened XX/XX/XXXX ), XXXX XXXX XXXX ( opened XX/XX/XXXX and closed XX/XX/XXXX ). XXXXXXXX XXXX ( However, this card was stolen and has over {$3000.00} worth of fraudulent charges ). XXXX ( However, this card was stolen and has over {$2000.00} of fraudulent charges ) Again, these accounts listed above ARE mine. 
The following accounts ARE NOT MINE and have been opened without my knowledge/ approval. XXXX, XXXX, and multiple XXXX  accounts.
Product: Credit reporting or other personal consumer reports

Auto loan generated 3 hard inquiries. Under the Fair Credit Reporting Act they were not for a firm offer of credit for therefore they should have been soft inquiries. Also contacted XXXX to remove the information but they stated they do not follow the Fair Credit Reporting Act and also refused to identify themselves other than XXXX. The inquiries are from XXXX XXXX, XXXX XXXX and Ally Bank on XX/XX/2023. These have negatively impacted my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Mohela/XXXX XXXX XXXX is reporting a late on my account. I have never been late on this account. At this time my account was in deferment. I did not realize this late was on my credit until I checked my credit file. This late on XX/XX/2016 is inaccurate and needs to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Balance : {$0.00} ; CXXXX XXXX  ( OriginalCreditor : XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$500.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX Balance : {$200.00}.
Product: Credit reporting or other personal consumer reports

My credit report on Experian was locked out due to an address error. Experian asked me to verify my information. They sent me a link through an email. I went to their website through the link and sent them the information they asked of me. My address, my ID, my social and I sent it back to them. They told me that they could not verify the information that I had given them and locked my credit report down so I can not use it. Creditors can not see my credit information. It has stopped me from being able to get a credit card recently because the credit card company that uses Experian could not see my account because it's locked. And not locked as in Frozen. It's locked as in the information can not be seen by creditors. I have reached out to experience several times about several problems that I have had with Experian. And this is not the first complaint. There has been several other complaints against Experian that I have sent. In Experian, stills keeps screwing me over making my life miserable. I feel like I'm being targeted, profiled Like Experian has such prejudice toward me or people like me. To this day my problem is still not resolved my credit account with Experian who reports my credit score. It's still locked and hasn't updated since XXXX the beginning of it. I can not purchase any credit monitoring software to see all three credit bureaus because Experian isn't reporting my credit score. I've even tried to purchase Experian credit monitoring system and I had to get a refund because of an error of Experian not reporting the right information. My address has not been updated and Experian claims that they can not verify my information. I've tried to reach out and call Experian several times, but I only get this automated computer or robot. You can't get in touch with a real person. It's like they blacklisted my number or something or my information because I can not get in touch with them.
Product: Mortgage

While submitting an application and required documentation for a home loan I provided earnest money for {$2200.00}. After several months submitting documentation and the lender changing the closing date several times we found that we did not qualify due to two auto loan payments not being verified by the processing manager. The house was put back on the market and the earnest money was not returned to me. We followed all the instructions for submitting documentation, and were given several Loan Estimate and Closing Disclosure packets. I emailed the loan team including the loan originator, processor and processing manager, but did not receive a response. Please let me know if my complaint is valid. This is the last person that emailed me to submit documentation. 
XXXX XXXX | XXXX XXXX XXXX  : XXXX | F : XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX | XXXX, TX XXXX Thanks :
Product: Credit reporting or other personal consumer reports

This account is a certificate of indebtedness ; it is now considered income and income can not be reported on any credit report. XXXX XXXX, account number XXXX, has violated several of my rights as a consumer. Furthermore, the sale or sharing of my personal information to a third party collection agency without my explicit consent constitutes several violations of both the Privacy Act of 1974 ( 5 U.S.C. 552a ) ( b ) Conditions of Disclosure.No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31.

This also violates the Gramm-Leach Bliley Act ( 15 U.S.C. 6801 ). Under the Privacy Act, federal agencies are prohibited from disclosing personal information without the individuals consent, except under certain circumstances, and under the Gramm-Leach Bliley Act, financial institutions are required to protect the privacy of consumers nonpublic personal information and limit disclosures to third parties without consent.

Given that I did not authorize this disclosure or sale of this account, I am formally requesting immediate action to investigate this violation, cease further sharing of my information and to remove all unauthorized reporting related to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my personal credit report and I noticed multiple credits Inquires that I do not recognize that have been made, I've tried disputing all fraudulent inquires with Transunion and got no help from them, their website states to contact the creditor if I dont recognize the inquiry it does not say any-thing about police report
Product: Credit card

I've always made sure to pay this account on time, ensuring payments are never overdue. I'm uncertain about the reasons behind reports of late payment remarks on my accounts. According to 15 USC 1666b - Billing Error, this should be rectified.
Product: Checking or savings account

My wallet was stolen from work, and the person who stole it charged {$600.00} to my card at XXXX. 
I tried disputing with SoFi and they refused to look into it and immediately denied the dispute.
Product: Credit reporting or other personal consumer reports

Verify the account information that is reported on my report
Product: Credit reporting, credit repair services, or other personal consumer reports

I have already placed a fraud alert on my credit report due to someone stealing my identity. After reviewing my credit report i see that i still have issues with identity theft. there are several things reporting under my credit that was not opened by me nor authorized by me. I have listed those accounts here in this report and i will list the additional accounts that are fraudulent along with addresses that are not mine. I also filed a police report and i will list the incident number below. Addresses : XXXX XXXX XXXX XXXX, NY XXXX Additional accounts : XXXX XXXX Bank Account XXXX XXXX XXXX XXXX XXXX  Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX Please remove these accounts from my credit report it is stopping me from buying a house and other things. This information does not belong to me. The police report incident XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XX/XX/2018 I went to finance my first car. I went to a dealership and authorized them to run a couple credit lender inquiries in the local area. I had no prior credit, and used a co signer to help get me accepted for a loan on a vehicle. 
While on XXXX XXXX I noticed there are 9 hard credit inquiries that I had no idea even took place. I would like them removed prior to the two years from my credit report so my score will be better. In the end, I chose one lender which is not even listed on the inquiries below. My biggest concern is minimizing the amounts showing as it was for one automobile loan, and the dealership ran that many without my knowledge. 

Inquiry details ... 

XXXX Inquiry from XX/XX/2018 Misc. 

XXXX XXXX Inquiry from XX/XX/2018 Automotive Americredit Inquiry from XX/XX/2018 Finance XXXX Inquiry from XX/XX/2018 Finance XXXX XXXX Inquiry from XX/XX/2018 Bank XXXX XXXX   Inquiry from XX/XX/2018 Bank XXXX XXXX Inquiry from XX/XX/2018 Credit Union XXXX Inquiry from XX/XX/2018 Finance
Product: Debt collection

Hello, I am writing to dispute all the alleged debt you claim I owe you. I do not recognize this alleged debt as my own, I believe you reaching out to collect on this matter is invalid. 

Please provide the following to validate this debt : - My Full Name - My Social Security Number - My Birthdate- The original signed agreement that created the account for this alleged debt - The complete account number for this alleged debt - A complete accounting record that shows the transactions that created this alleged debt - The name and address of the original creditor - The signed assignment agreement between your company and the original creditor that gives you the right to collect on this debt Please provide ALL of these items within 30 days of receipt of this letter so I am able to review these documents to determine if this alleged debt is valid. 

Please CEASE AND DESIST OF ALL COLLECTION ATTEMPTS UNTIL ALL OF THIS DOCUMENTATION IS PROVIDED. 

Thank you, ****They did not provide validation, they provided false statements, this is not a complete validation within the 30 days required by debt collectors.
Product: Credit card

I have had a Bank of America Better Rewards Credit Card with Bank of America for some time, never missed a payment and have had good service. The card I have is unusable and called to request a replacement when I was told that when I cleared a Fraud alert on my XXXX Credit Report. Regardless of whether it is on my credit terms when I opened the account or not I was not informed that my credit report would be pulled just for a replacement. The expiration date is not out or anything. They refused to send me a replacement after the fact I had to go thru a verification process which everything matched. I was not reminded nor asked if it was ok to pull my credit report and I did not give verbal permission to have my credit report pulled. I did not want any inquiries added to my credit report and due to the negligence of the representative all he could say was that I knew it when I opened the account. That is not the point, He was either supposed to ask me or remind me. He could have said You are aware that I will have to pull your credit or he could have reminded me that it is Bank of America 's policy that he would have to pull the credit report. they worry about the privacy act but yet what about my rights as not only a customer but a consumer. My rights have been violated and what is the purpose of the verification act that I had to go thru and he could not answer that all he could say that I needed to get my fraud alert removed from my credit file. That is my right and people have fraud alerts for various reasons and mine happens to be by mistake so why was my rights violated. The representative never once mentioned it in the conversation and he could not say anything about pulling my credit report. I will fight this, I am going to file a formal complaint with Bank of America. Regardless whether it is in the terms the representative of any bank is to verbally and or written permission when it comes to pulling a credit report.
Product: Debt collection

Have you spoken to the manager and he agreed after me providing police report and other supporting documents that this account does not belong to me and Ive never signed it wet signature for this account. Im a victim of identity theft and they agreed to remove this from your credit report and collection agencies.
Product: Mortgage

Origination fee was not disclosed until late in the refinancing process, only underwriting fee included in paperwork. Loan Estimate was sent on XXXX/XXXX/16 with no disclosure of origination fee. Closing disclosure was sent on XXXX/XXXX/16 showing origination fee, only 4 days away from closing date of XXXX/XXXX/16. At this time appraisal was completed and {$460.00} out of pocket non-refundable expenses incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained a personal loan from security finance in XX/XX/2018 with all intent to pay. I paid on my account twice and contacted them to let them know I lost my then job. The guy had an attitude so I decided not to go back. He then did 11 hard inquiries on my credit. I contacted him to let him know that his actions was illegal and it needs to stop.he stated that he didnt know a better way to reach me. He didnt call me once before I contacted him. He has since charged the account off and left a derogatory remark on my report
Product: Credit reporting or other personal consumer reports

I had a covid forbearance on my mortgage through Fifth Third Bank through the end of XX/XX/XXXX. I filed for an extension during the month of XXXX. 

I contacted them for an update in XXXX, they said they didn't get anything and if I still was having the hardship I would have to apply for a new forbearance. I did so. 

The assessment of it was delayed until XXXX, and so XXXX and XXXX were marked as late payments. 

My situation changed in XXXX of XXXX and I was able to bring everything current and come off of forbearance. Unfortunately those payments were still marked as late and so they were marked as paid 180 days late. 

I appealed and filed disputes through the credit bureaus, but they were denied too quickly for me to believe they were really looked into. 

This has proven problematic with attempts to refinance and be approved for new lines of credit since.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this account with XXXX XXXX XXXX acct XXXX. I was a part of the XXXX data breach and my personal info was exposed. This is affecting my fiinances and ability to obtain creddit. Please remove from my credit report
Product: Credit reporting or other personal consumer reports

My information was wrongfully gained by the companies listed below resulting in inquiries to my credit report. All of the following inquiries should be removed from my credit report immediately : XXXX ( XX/XX/2023 ), XXXX  ( XX/XX/2023, XXXX ( XX/XX/2023 ), XXXX XXXX XXXX ( XX/XX/2023 ), XXXX  ( XX/XX/2023 ), XXXX/XXXX  ( XX/XX/2023 ), XXXX  ( XX/XX/2023 ), and XXXX ( XX/XX/2023 ).
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. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX Account numberXXXX 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 XXXX 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.