23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX  : # XXXX, Account XXXX XXXX : XXXX, Account 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.

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: Student loan

I have student loan accounts reporting on my credit that does not belong to me. I have never applied for this loan or any other credit lines on my behalf. I did not co-sign for anyone else to do so. This account does not belong to me.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Credit reporting or other personal consumer reports

It shows inquiries on my credit report which I never gave anyone permissible permission to use nor consent to use my personal information to pull my credit report. These inquiries are identity theft and needs to be removed immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to express my disappointment and frustration with the presence of an unauthorized inquiries on my credit report, which I discovered with great shock recently. As you are well aware, the Fair Credit Reporting Act clearly stipulates that no individual may access another 's credit information without obtaining their prior consent. 

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

I was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accountsXXXX  XXXX {$8500.00} XXXX XXXX {$23000.00} XXXX XXXXXXXX {$480.00}
Product: Mortgage

I am a victim of XXXX XXXX XXXX XXXX. XXXX XXXX XXXX along with XXXX XXXX XXXX and U. S Bank are trying to steal my paid-for home. Judge XXXX XXXX XXXX is allowing this to go to trial even though my mortgage is satisfied and I overpaid on my mortgage several times. Please help me I am a victim of a case that was already handled by A.G. Schneiderman Announces {$4.00} Million Settlement With New York Foreclosure Law Firm XXXX XXXX XXXXXXXX XXXX. And XXXX XXXX XXXX A.G. Schneiderman Announces {$4.00} XXXX Settlement With New York Foreclosure Law Firm XXXX XXXX XXXX XXXX And XXXX XXXX XXXXXXXX XX/XX/XXXX, NEW YORK - Attorney General Eric T. Schneiderman today announced an agreement with XXXX XXXX XXXX XXXX. ( XXXX XXXX  ), XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX XXXX, and XXXX XXXX requiring them to pay {$4.00} million to New York State in penalties, costs, and fees, which will be used in part for programs that offer assistance to homeowners facing foreclosure or victims of predatory lending practices. The agreement stems from abuses in their foreclosure-related legal work. XXXX XXXX founder XXXX XXXX XXXX and managing partner XXXX XXXX also agreed not to represent lenders or servicers in new foreclosure-related cases for two years. Until ceasing most of its operations on or about XX/XX/XXXX, the XXXX XXXX was the largest foreclosure firm in New York State. Between XXXX and XXXX, the XXXX XXXX filed over XXXX foreclosure proceedings. It represented many of the largest servicers of residential mortgage loans, including XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, and XXXX. XXXX  was formed by XXXX XXXX XXXX in XXXX to handle the bulk of the XXXX XXXX highly compartmentalized foreclosure process. None of the XXXX employees were attorneys.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX 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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I request that this inquiry be promptly removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

In XXXX of 2019 my identity was stolen and used to open three accounts at a Conn 's HomePlus in XXXX XXXX, TX. These accounts were opened on three consecutive business days : XX/XX/2019 in the amount of {$3300.00}, XX/XX/2019 in the amount of {$5100.00}, XX/XX/2019 in the amount of {$10000.00}. 

I became aware of the fraud and reported it to Conn 's on XX/XX/2019 after receiving payment books. That same night I reported the fraud to the major credit reporting bureaus and put a freeze on my credit. I also filed an Identity Theft Report with the FTC and the next day I went to my local police department in an attempt to file a police report. 

Conn 's Fraud Department sent an Identity Theft Victim 's Complaint and Affidavit which I filled out and had notarized before I returned it along with copies of my state ID, Social Security Card and the FTC Report. 

Conn 's Fraud Department acknowledged in an email that my identity had been stolen, but insisted they would not investigate because my local police department did not let me file a police report. I was able to secure an " Event Report '' from the police, but was told by the Conn 's Fraud Investigator that it was not sufficient. 

The three credit bureaus have since concluded their own investigations and all three agree the accounts are fraudulent. All three removed the Conn 's accounts from my credit report. I informed Conn 's of this, but I'm still receiving bills from them in an attempt to collect money that I do not owe.
Product: Checking or savings account

On XX/XX/XXXX during a seasonal low period in my business, I was extremely cautious of my balances in our business checking account. Our payroll hit our account on XX/XX/XXXX, first thing in the morning I ran to the bank to make a deposit to cover 3 of the 14 debits as the funds were there for 11 of the debits. The unethical bank or banking practices took the debits before applying the credit in the same day. They charged me 14 x $ XXXX= {$530.00} in overdraft fees. I tried to work this out at the branch, they gave me a courtesy credit of {$190.00}, although it was appreciated, I was made aware of XXXX XXXX unethical practices, they settled a class action law suit in XX/XX/2012 but I feel they are up to their unethical practices again.
Product: Credit reporting or other personal consumer reports

I am writing to express my continued frustration and disappointment with the unresolved issues concerning late open accounts and charge off accounts on my credit report, despite my tenth attempt to rectify the situation. 

Despite my persistent efforts to address these inaccuracies, they continue to negatively impact my creditworthiness and financial opportunities. It is deeply concerning that despite providing thorough documentation and following the prescribed procedures, the problems persist without resolution. 

I request that you thoroughly investigate and correct the late open accounts and remove the charge off accounts from my credit report. Additionally, I expect to be kept informed of the progress made in resolving this matter. With this, I am asking for your assistance to remove the charge off and correct these late open accounts in my credit file : XXXX. XXXX XXXX XXXX Balance : {$1200.00} - I demand immediate confirmation of the payment history and status of this account. Your records are not consistent with my own and I believe that the information being reported is inaccurate. I have always made my payments on time and have not been late on this account. I demand a thorough investigation and prompt correction of any errors to ensure legal and lawful accuracy. 

XXXX. XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$35000.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX XXXX Balance : {$56.00} - I do not believe I was late on this account you are reporting. Please report the payment status positive and update all late reporting on this account. 

XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00} - I need the following investigated account name, date of last activity, and opening date. I believe this information may be wrong. I need this removed immediately. 

XXXX. XXXXXXXX XXXX XXXXXXXX Balance : {$16000.00} - The payment history and status is inaccurate. According to FCRA 's Compliance/Obsolescence date determines when the XXXX reporting period begins for accounts that have been charged-off or placed for collection. Please delete this account immediately. 

XXXX. XXXX XXXX XXXX : {$7900.00} - I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. Please remove this item immediately.
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 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, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right of 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 furish 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: Payday loan, title loan, personal loan, or advance loan

On or about XXXX XXXX, a solar panel sales person came to our door and sold us solar panels for our home, which I own. Before the transaction was completed, he put the finance company on the phone that took our loan application on the phone and approved us for {$50000.00} over 25 years right away. He said that they work closely with XXXX XXXX ( who filed bankruptcy on XXXX XXXX ), and as long as we paid monthly what we agreed to, we would keep our panels. It was a purchase not a lease.

The finance company 's name is Dividend Solar Finance, located in California. They sent the loan agreement for us to sign simultaneously to the purchase of the panels. Since we wanted to have green energy, we knew nothing about how this is done, and subsequent to the bankruptcy, I was told to approach the finance company and they should help us. They refused to do anything about it telling me it was my obligation and I owed them this money. 

Since the installation of the panels in XX/XX/XXXX we had issues with XXXX XXXX, with wrong CAD drawings of installation, the installation caused major leakage on the roof that damaged the interior. I reported this to XXXX XXXX and they continued to promise to take care of it or send me credit for the damage, which never happened. I called Dividend to tell them that the panel company which they financed, wasn't complying to our requests and they told me they had nothing to do with what they promised or not. 

Since the bankruptcy, I have learned that this finance company was collaborating to take advantage of people purchasing solar panels especially seniors, thus the {$50000.00} loan. In addition, th finance agreement included that I was to send them my state and federal government credit rebate for installing panels or the monthly payment would be increased. I did not send it to them and my monthly payment increased from {$190.00} per month to over {$220.00}. 

I called Dividend when XXXX XXXX filed bankruptcy and they said they could do nothing about it and I had to pay each month or they would report me to the credit bureau. Dividend Solar Finance is at LENDER : DIVIDEND SOLAR FINANCE LLC XX/XX/1500XXXX XXXX, CA XXXX ( XXXX ) XXXX Borrower 2 : __________________________ _______ Signature Date DocuSign Envelope ID : XXXX XX/XX/XXXX THIS IS A COPY This is a copy view of the Authoritative Copy held by the designated XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I expect expedited removal of the Fraud Alert on my Credit Report.
Product: Credit card

I had Care Credit Credit Card with Synchrony Bank. On XX/XX/2016 i paid the Balance {$50.00} and I asked to close the account. I kept sending me statements. I called they inform that i have to pay interest and they will waive the late charges. On XX/XX/2016 I paid {$260.00} and close the account. till now I am getting statement with interest and late charges. When I contact them the said it is different account, of which i did not open.
Product: Credit reporting or other personal consumer reports

I purchased a Home in XXXX and had been paying the mortgage by auto pay for the last 15 years, however in XXXX the mortgage sold the mortgage loan to shellpoint mortgage and reported the mortgage payments late even the the account number never changed and they were still receiving payments. These payments were never late, but they are still showing on my credit report as late, even though the company said this was there mistake. They assured me that the late payments would be removed, however they are still showing late on my current credit reports.
Product: Credit reporting or other personal consumer reports

" These inquiries was not authorized by me and I did not communicate with this under the specified date "
Product: Debt collection

IC System claim I owe them XXXX for a XXXX XXXX XXXX bill.. XXXX XXXX XXXX took this same account off my credit profile XX/XX/XXXX XXXX and now IC system trying to say that I owe them this debt ... I wrote them a dispute letter and they're still trying to say I owe them ...
Product: Credit card or prepaid card

Paid full amount due by the due date and the next month they charge an interest fee. And so every month you try to pay the full amount due ( the interest fee ) and its impossible because they charge an interest fee the following month again. 

And if you thought you were done and didnt catch their little scheme they charge late fees for the interest on a XXXX  balance account. 

Sounds like fraud to me! 

According to their statement : HOW TO AVOID PAYING INTEREST. Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin to charge interest on new purchases made under a Low APR, Equal Payment or Budget Payment Credit Plan from the date of purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian removed a freeze on my credit bureau permanently when I requested a temporary lift as I was applying for credit. Experian does not provide a toll free telephone number that allows a person to speak with a human being unlike the other credit reporting agencies. I want a toll free number that allows me to speak with a human being.
Product: Debt collection

I had received mail from XXXX stating I needed to pay this balance, I advised I never bought anything using this service for this large amount. XXXX refused to help, stating they saw no error, I advised it was not an error, weather identification theft, still no help and now they are trying to collect this through a collection agency called ACI, I also have tried getting help from them, and still no help, they keep referring to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint that is due to an unresolved issue with Trans Union reporting a closed account from XXXX XXXX XXXX a.k.a. XXXX XXXX with 6 late payments reported XXXX and XX/XX/XXXX and XXXX, XXXX, XXXX, and XXXX being reported as 60 days, 90 days, and 120 days Past Due. I filed an initial dispute with CFPB in XX/XX/XXXX and the issue of correcting my account with XXXX XXXX was resolved. My complaint was sent to the FDIC who replied an insert and statement from XXXX XXXX bank stating that they will remove all fees created by an annual fee on an account that I requested to be closed. The letter states that XXXX XXXX will update the trade line with all credit bureaus to reflect no late payments and closed by consumer. XXXX and XXXX have updated the tradeline to remove the late payments in XX/XX/XXXX. I filed a dispute with TransUnion due to their refusal to update the account as positive. The dispute was closed as Verified until I filed a subsequent dispute including the final bill from XXXX XXXX showing removal of late fees and all charges. I also included the letter from the FDIC with the agreement to correct the account by XXXX XXXX. 

Trans Union supervisor on XX/XX/XXXX stated that they can not accept a letter from the FDIC nor the final statement from XXXX XXXX and that they need a written statement on XXXX XXXX letterhead showing that the six payments are to be removed.The FDIC has no regulatory agreements with TransUnion I was told. 

On XX/XX/XXXX I received notice that all six late payments have been corrected and reported as on time, increasing my credit score by 57 points. I thought this was a permanent action. It was not. On XX/XX/XXXX I received an alert at XXXX XXXX that the trade line was reverted back to a negative status with the six late payments reinserted into my file. According to a supervisor, my dispute was closed and finalized and Remains Delinquent. Transunion claims they actually investigated with XXXX XXXX who they say is responsible for refusal to properly report the tradeline. I have uploaded copies of the instant alerts received on XX/XX/XXXX showing the first accurate update and then XX/XX/XXXX showing the account was changed to delinquent again where it remains.
Product: Checking or savings account

I went into the branch to take power attorney papers twice and both was rejected! I wasnt notified that they had they own power attorney documents! After I went there on several attempts they mentioned they have they own power attorney after talking loud!
Product: Debt collection

The debt they are trying to collect has been paid for over a year. It is {$100.00} in elementary school lunch fees my child incurred. The debt was paid to the school at the end of the year. This collector calls every single day trying to collect a laughable {$100.00}. Not to mention, there isn't a person on the other line - they simply provide an automated message telling the CONSUMER to CALL the collector. If they want to handle the debt, they need to have a person on the line when you answer, not a computer. There is no way I'm going to take the time to call them back, sit on hold to tell them the erroneous debt has been paid for close to a year.