23daVinci/CFPB_Complaints huggingface dataset:
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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX Account name : XXXX Account name : XXXX Account name : XXXX, However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Debt collection

Ally Financial lease car returned XX/XX/XXXX. Third party inspection @ XXXX of XXXX dealership noted returned vehicle passing total condition compliance with noting no damage. Ally representative informed me that my balance was {$0.00}. That day, I purchased a new lease through Ally 's sister company, XXXX XXXX, at same dealership. Today, XX/XX/XXXX, I am the primary signer on a new XX/XX/XXXX vehicle purchased at same dealership, with top-bid approval incentives for financing through Ally Financial.
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, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

I did not give them any written instructions, 15 U.S.C 1681c. ( a ) ( XXXX ) XXXX 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. 1681sXXXX ( A ) ( XXXX ) 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 or other personal consumer reports

US Dept of Education incorrectly reported late payments on my account. I contacted them about this and demanded they remove the fraudulent reporting, and that if they disagreed with this, to provide me proof it was paid late ( they didn't ). What they did do instead was update their information on my credit report from 'US Dept of Education ' to another entity called XXXX XXXX XXXX XXXX Anyway, the account needs to show PAID AS AGREED. I have great payment history with this account and never paid late. They need to report it accurately. 

I also contacted Equifax about this, and they never helped me! Their system shows that the account is paid as agreed- but it is in XXXX not XXXX - and, there is a note under this that says 120 days late!! It's really hurting my credit and I never gave anyone permission to put this on MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

We were in a chapter XXXX bankruptcy and found that our lender had derogatory notations on our credit report. We reaffirmed our mortgage with XXXX XXXX after bankruptcy and they didn't report it to Trans Union because we had made a complaint. After over a year and a complaint to the CFPB they placed our mortgage back on my husbands credit report They will not place it back on to my credit report Please help me I just dint understand why-three of the credit reporting agency 's have fixed this but XXXX XXXX refuses to contact trans union and report my mortgage correctly Is their anything I can do Not reporting my mortgage is negatively affecting my ability to obtain credit and my credit score
Product: Credit reporting or other personal consumer reports

Factual Data XXXX Factual Data XXXX Factual Data XXXX XXXX Mortgage Ser XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I applied for a VA Mortgage Loan Refinance on XX/XX/2019. I told the sales person on two occasions that I was separated from my wife and that I was refinancing the home that I purchased last year on my own and without my wife like I did with the purchase. 

A notary came to my house on Friday, XX/XX/XXXX with the loan docs to complete my transaction. I was shocked and dismayed that they had documents for my wife ( separated ) to sign. My loan representative XXXX XXXX | NMLS ID XXXX | Loan Officer | Real Estate Originations went on vacation and I can't get a returned phone call from the person he said was handling my loan. Now they say they can't even do the loan because I am married and in Colorado the wife has to sign on all Mortgage loans. They ran my credit, wasted 30 days of my time and they knew from the beginning that I was refinancing the house in my own name. If I was able to purchase the house in my own name why can't I refinance my home in my own name. 

I am a XXXX XXXX veteran and this has been a very stressful experience.
Product: Credit reporting, credit repair services, or other personal consumer reports

Constant stall tactics by XXXX, Experian credit bureaus.
Product: Debt collection

Khols CapOneXXXX XXXX - is still reporting and updating a balance on my credit file even though the account was paid. They are even reporting it paid in the notes but still showing a negative balance. This has affected my financing now so I have contacted my attorney because they are in violation. I have disputed this and it is still showing and reporting inaccurately.
Product: Credit reporting or other personal consumer reports

I looked at my credit report on XXXX XXXX and noticed that some things are incomplete and not accurate. and accoriding to the fiar credit reporting act Whenever a consumer reporting agency prepares a consumer report act follow reasonable procedures to assure maxium possible accuracy of the information concerning the individual about whom the report relates. 

I sent a letter asking them to reinvestigate these accounts listed below because XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate XXXX # XXXX open date is not reporting correctly, date of last active, date of last payment is not correct, the account is not accuate. 

XXXX XXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accuratXXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX open date is not reporting correctly, date last active, date of payment is not correct, this account is not accurate. 

Here is thi tracking # XXXX and XXXX
Product: Credit card or prepaid card

Being reported as being with Capital One since XXXX. The account was with XXXX until XXXX. 
When I received a notice that the account was with Capital One, I called about receiving my new card and was asked about paying a balance from XXXX. I was unsure why there was a balance and the representative I spoke with discussed charges with me including interest, late fees, and unpaid balance totaling over {$30.00}. I informed them of my previous payment and the call center agent said she reset the grace period, reset payment history and interest fees are waived. She also informed me that those changes would reflect in the system in the next 1-2 billing cycles ; and the past due status would be updated in 72 hours ; and the credit bureaus would reflect the changes in 2-3 days. I was given Confirmation # XXXX. 
I checked my credit report frequently but did not follow up since she mentioned the account itself would take 1-2 billing cycles before changes showed. However, in XXXX, I called back in to see why the balance changed, but the 30 day late showed on my credit report. I was then informed that no late payments showed. I then spoke to a supervisor in the credit reporting department and was told it was not Captial One who was reporting a 30 day late payment, it was XXXX. I finally followed up with both Capital One and XXXX XXXX  and XXXX XXXX  stated they do not have any records of my account any longer and are not reporting anything. Once I pulled credit reports from all three bureaus, I see that it is in fact Capital One reporting a late payment. 
Not only had I not received a card from Capital One yet for the late payment they are reporting, but I was also told the 30 day late status was removed over 7 months ago. I have over a dozen accounts on my credit report with as much as a 10 year history and this is the only one reflecting a non-payment or late payment. When I disputed this directly with XXXX, they immediately resolved the dispute as confirmed without an actual investigation. I looked up my dispute number since I hadn't received a notice that the dispute was updated and noticed that the account was marked as resolved on XX/XX/XXXX even though I disputed it online XX/XX/XXXX at XXXX central time.
Product: Credit reporting or other personal consumer reports

On XXXX XXXX I submitted dispute letters ( and I submitted a complaint last week but it didnt go through, but I have screen shot that something was submitted ) to ask the CRAs to show me and explain their verification process and failed to and have not responded to nothing at all. The accounts I am asking for the processes are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( separate account )
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I received notice my application for a new Amazon Prime Visa Signature account was denied when I had never initiated an application for one. I called Chase who issues the card on behalf of Amazon Prime to inform them I had never applied for credit. When they asked for my social security number to reference the application I refused to provide it. I told them if the credit application had been submitted correctly they would already have my social security number, and an application submitted without the number was proof it was submitted without my consent. They refused to confirm or deny there was a social security number. They stated they could not remove the denial of credit from credit reporting agency records without my submission of my social security number.

I believe proof I never applied for a new AMAZON PRIME Visa Signature card account is validated by the absence of my social security number on/ with the application in their possession.
Product: Mortgage

Loan servicer improperly charged insurance premium for a HO6 content coverage in my escrow account without proper notice. Charged premium at will before the notification was sent to mortgagor. Charged {$1600.00} in premium at once. When Mortgagor was notified, place the coverage and they still alleged that the charges were for back premiums. The actual insurance policy for the Condominium covers amounts enough for the money owed for the loan. Although Mortgagee was requiring these are additional amounts, mortgagor placed coverage for a year at a fraction of cost Mortgagee charged for the same coverage and in addition to the amount due on the mortgage. Mortgagor never received a certificate of insurance for what mortgagor was charged. These charges were illegal.
Product: Mortgage

My mortgage is scheduled for foreclosure sale in XXXX. I have been trying to do a modification on my home for months now but to no avail. Please assist me as I am trying to save my home.
Product: Credit reporting or other personal consumer reports

If you persist in apparent disregard, noncompliance, or deficiency of substantial, satisfying, and/or otherwise evident proof of compliant reporting practices, I must warn you that this letter serves as my official notice prior to my likely decision to petition a civil court nearest me for a writ of review related to the aforementioned issues I suspect. Please be advised that I am the injured consumer of your unproven or inadequate reporting practices. As such, I am contesting the assumed, but actually very conditional, reporting privileges for any and all of your claims challenged within this consumer complaint. This declaration calls for your demonstration of authoritative, certifiable, compliant, lawful reporting that assuredly adheres to no less than the mandatory state and federal reporting mandates and statutes. My demand for your fastidious scrutiny shall categorically include, but not be limited to, your adherence to accords cited within the FCBA, FCRA, ECOA, as well as any and all applicable laws within my state, proven to be commodiously ample for illustrating your adequate statutory reporting occurred exactly as related to any claim purported by you in my report ( s ). Particularly concerning to me is if any or all of your claim 's aspects are alleged yet display potential deficiency, having plausible deviations from your obligatory utilized industry standards for legal, fair, and ethical reporting and did so with respect to a comme il faut status. Incontestably, your compulsion should be that of certifiable conformity to the XXXX XXXX Data-filled Field Formatted Reporting Standards, per XXXX! 

I have recently obtained copies of my personal consumer credit report ( XXXX ) and have discovered questionable and/or inadequately verified data in my file at your company 's office ( XXXX ), as reported on my reviewed files. I am concerned that this information XXXX have been inadvertently or intentionally re-added to my credit report profile by your company 's office ( XXXX ) following its earlier removal from reporting, without issuing the requisite XXXX day notice to me as mandated by reporting regulations that you MUST comply with. 

As per the Fair Credit Reporting Act ( FCRA ), any item of reporting that has been previously removed can not be reinserted onto any consumer 's credit report profile without written notice from at least the accepting XXXX XXXX XXXX ( ies ) /repository ( ies ) directly to me, the injured consumer, within XXXX ( XXXX ) business days of the alleged date of reinsertion. I want to inform you that I have not yet received any such notice or confirmation of the accuracy and completeness of your reported claim ( XXXX ). 

Listed below are the Accounts and Inquiries that are being challenged : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX didn't investigate and has failed to fulfill its legal obligations under the Fair Credit Act to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected or removed incorrect information that's being reported on my XXXX report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a dispute letter addressed on XX/XX/XXXX, XXXX, as my 7th letter that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any item which was opened without my knowledge, consent or authority within 4 business days with ( XXXX ) appropriate proof of the identity of the consumer ; ( XXXX ) a copy of an identity theft report ; ( XXXX ) the identification of such information by the consumer; and ( XXXX ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed as they are fraudulent. 

XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX Balance Owed : {$5600.00} XXXX XXXX Balance Owed {$4300.00} XXXX XXXX XXXX XXXXXX/XX/XXXX If you claim these items are 100 % accurate and verifiable, then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I believe none exists. When you find no signed agreement bearing my signature I need you to remove these accounts from my file.
Product: Credit card or prepaid card

I received in the mail 2 MasterCard loadable debit cards that I DID NOT REQUEST! I called the number listed for customer service and didn't like the direction the conversation was going. I simply wanted to know why I received these cards that I DID NOT REQUEST and the service rep started asking for personal information that I did not want to give. The company is : InComm Inc. XXXX XXXX XXXX, XXXX XXXX GA XXXX. Their phone number is XXXX
Product: Checking or savings account

Chase Bank ( Deceased Processing Dept ) refuses to remove an improper hold on the subject account ( deceased owner XXXX XXXX XXXX, co-owner surviving spouse XXXX XXXX XXXX ). The account can't be closed properly without this hold being removed. Similarly, Chase is taking no action to either 1 ) return the final ( XXXX ) SSA benefit payment received by Chase in XXXX, or 2 ) credit this final payment to this account. Either action by Chase would allow 1 ) the SSA to reissue the final payment to the surviving spouse or 2 ) restore the proper balance in the account so it can be closed out properly.

Latest e-mail from Deceased Processing ( text included in uploaded attachment ) states Chase has an obligation to return payments received after the date of death but Chase refuses to do so.
Numerous calls to Chase Customer Service in XXXX and XXXX and two e-mails in XXXX to Deceased Processing have been fruitless. Customer Services says it's Deceased Processing 's responsibility to resolve but Deceased Processing won't take phone calls nor return phone calls per their own stated policy.
Product: Checking or savings account

My checking account was closed and I did not receive any money from the balance that was there from a check deposited. I have been told multiple things from chases telephone service and from branch managers at the chase in XXXX ca. This has been a complete fiasco and I am now having to leave my place of residence because the money that was there was directly from my workers comp insurance company and the first compensation I had received since my injury, which occurred at work, and had lost my livelihood.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to agent is notice to principle, this should serve as a written notice to the Experian that I XXXX XXXX need immediate action taken, and a copy of my consumer report within 7 days. It appears as adverse action has been taken against me, please check the following accounts for 100 % completeness and accuracy so my consumer report is fair and equitable to me : XXXX, XXXX XXXX, XXXX XXXX XXXX. These accounts and their history should be removed or reported positive.
Product: Debt collection

Allied Collections Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX This company is reporting a medical/dental bill on my credit reports that is not mine, I have had medical and dental insurance for over 15 years and do not owe any medical bills I tried contacting this fraud company and they refuse to remove this debt and provide proof that I signed anything even related to the original creditor XXXX XXXX. 
I have had the same dentist for 10 years and I know nothing about XXXX XXXX  or Allied Collections Services I disputed this with the Credit Bureau and this is still reporting to my credit and the company is not providing any information to prove this debt is mine, because there is no proof this debt is mot mine and I want it removed from all three Credit Bureau
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I submitted a dispute to this credit bureau regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ), I understand that you are required to investigate and respond to disputes within 30 days, but I have not received any resolution or adequate response. 

I have followed up multiple times, but the disputed items remain on my report, and I have not been notified of any investigation results. This failure to address my concerns violates your obligations under FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Duty to investigate disputes. 
15 U.S.C. 1681i ( a ) ( 6 ) : Notification of results.

The unresolved inaccuracies on my report are harming my credit and causing me significant stress. I request that my dispute be investigated immediately and that I be provided with a written response detailing the results. 

Thank you for your prompt attention to this matter.