23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have tried many disputes to have these claims properly investigated as they were unauthorized charges. The original creditor and the credit reporting bureaus have all ignored my pleas to go deeper into these fraudulent charges. Transunion, XXXX, and XXXX have displayed unfair practices by not properly investigating and continuing to report fraudulent information on m credit report. The original creditors have since then charged off these amounts and continues to report as a derogatory mark on my credit reports. I owe no balances to this company after paying them off in XX/XX/year>. I called them and requested they do a proper investigation as I didn't use any more credit for these accounts. My request was never granted and I have been disputing with this company for a very long time now. I was aware of the data breaches with XXXX, XXXX, XXXX, and XXXX but I didn't think to check my report because I didn't see any changes or red flags with the companies that reported breaches. I also didn't think these breaches would cause changes or unauthorized use of accounts that were on my credit report. The several calls I placed to the original creditors back in 2022 solved absolutely nothing. I even tried disputing the inaccurate information through the payment history showing that none of the information from all three major credit bureaus match across the board. That alone should have prompted the deepest investigation possible. I have now involve the FTC and attached documents for the original creditors and credit report agencies. I have been treated unfairly and my consumer rights have been blatantly violated. The stress from all of this is weighing very heavy on my mental well being. To have to go through great lengths to have serious negative derogatory information to remain on my credit report that's causing me to not qualify for any thing that I apply for. I am so scare to unfreeze my credit reports because I don't want to deal with something like this ever again. At this point, I don't care how XXXX XXXX XXXX XXXX gets this time, I will not give up until all the inaccuracies have been removed. I will never use my credit to apply for anything else every again because it's too stressful to deal with disputing fraud that never gets properly investigated.
Product: Debt collection

I have recently reviewed my credit report and saw a collection from a company called WilliamFudge I don't know who they are and I have never done business with them. I attempted several times with the company to rectify however they have not responded. 



15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section :
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 Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XXXXXX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX Account Name : XX/XX/XXXX Account Number : XXXX and 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 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

My credit score dropped XXXX points today. I want a clear explanation and resolution as to why my credit score would have dropped significantly! All the remarks reflect a new credit card was opened with XXXX XXXX  on XX/XX/23 which should have only dropped my score XXXX points. XXXX is not only in violation of my rights. They are misusing their own systems of credit reporting. This issue needs to be fixed immediately! I have called and submitting a dispute on their website in regards to this and have yet to recieve any update
Product: Mortgage

On XX/XX/XXXX I was preapproved for a mortgage loan with Navy Federal Credit Union. I was told all my documents were good they didnt see any issues. On XX/XX/XXXX I was conditionally approved. The house was inspected and appraised. I was just waiting for the title to come back. XXXX XXXX XXXX was my mortgage processor. I reached out to her multiple times to confirm all the documents submitted were good. She confirmed I didnt need any additional information. I was given a closing date of XX/XX/XXXX. That day came we still had no title. XXXX then stated she didnt realize that I was a XXXX and I was self employed. From the beginning I made them aware that Im a XXXX XXXX and I get XXXX. I have weekly paystubs but my income is not taxed. On XX/XX/XXXX, XXXX ask me to submit updated paystubs, profit and loss sheet and show proof of 6 months payment reserved. All my documentation was complete and sent in. She stated everything looked good and I should be closing Thursday XXXX no later than Friday XXXX. I called XX/XX/XXXX to follow up on the process and XXXX stated that I was denied and she couldnt give me details I would hear something in the mail within 10 day. The process is over. I need to reapply with a co-signer. How did I get this far with all the same documentation to be denied. Where was the ball dropped. How did they not realize I was self employed. I reached out to her supervisor XXXX XXXX who stated that processors arent trained to give explanations and that my loan was denied because my self employed income was not enough. They couldnt factor in my income from my w2 because I no longer worked that job I was solely self employed. I dont understand how I got this far without anyone realizing I was solely self employed. I reiterated it multiple times and everything I stated was disregarded. Im packed up. I opted out of my lease because I had a closing date and I kept being told all my documentation was fine. I just want answers. Someone needs to be held accountable. No one provided any empathy it was more or less oh well you were denied. How is it that i can pay {$1300.00} in rent without one late payment for 2 years but I cant get a mortgage approval. My credit has increased. I paid off more debt and even one of my car loans just to guarantee approval to still be denied the week I was suppose to close. This is outrageous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2023 To Whom It May Concern : I recently received a copy of my Equifax XXXX XXXX XXXX credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account Number : XXXX and XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting Act, Experian, XXXX XXXX, XXXX have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account : XXXX XXXX XXXX ( XXXX ) acct # XXXX ... ending in XXXX According to the 15 U.S.C. 1681 Section 602 states I have the right to privacy ; The Right to Financial Privacy Act of 1978 15 USC 1681 section 604 a ( 2 ) a consumer reporting agency can not furnish information without my written instruction 15 U.S.C. 1681 ( a ) ( 5 ) states that no consumer reporting agency can make any consumer report containing any of the following items of information or any other adverse information other than records of convictions 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. 

15 U.S. Code 1681l consumer reporting agency prepares an investigative consumer report, no adverse information in the consumer report ( other than information which is a matter of public record ) reporting confidential/private information has caused adverse actions in my livelihood, causing me to be oppressed note balance and high balance are incorrect causing harm to my score
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act, the list if accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX acct XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX acct XXXX XXXX 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 : 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 reports containing any of the following items of information, any other adverse item of information, other than records of conviction of crimes which antedates the report by more than 7 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 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 XXXX XXXX Account Number : XXXX Account Name : 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 XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX 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 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 or other personal consumer reports

Equifax has my credit file locked I called in I was told o had to main in documents to prove my identity & residency. I certified those documents to Equifax which was delivered XXXX XXXX I called in I was told it takes 5 business days to process so 5 days passed I called back because my file is still showing locked the new agent told me 10 days so it has now been past both 5 & 10 days for the processing time and yet my credit file is still locked causing no credit to show when I try to apply for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX sent a letter dated XX/XX/2021, it states that the results of your investigation of Public Record Information was verified as accurate by LexisNexis, however LexisNexis has provided in writing that they are unable to verify the bankruptcy and therefore has removed the unverifiable bankruptcy from their own data base. 

There is no way possible that LexisNexis verified this as " accurate '' according to the investigation letter from LexisNexis has evidenced the contrary. Therefore I have requested for XXXX to delete the bankruptcy from my credit report public records and refuse to do so. I do not understand, XXXX uses LexisNexis to verify the bankrupcty, LexisNexis says to me it has been removed because unable to verify, I inform XXXX of such in a dispute to XXXX  and XXXX is defiant in removing it because they allege LexisNexis verified as " accurate ''??!?!?!?! 

I am not sure who is playing games, because if XXXX is stating that Lexis Nexis verified the bankruptcy as accurate so then why did LEXISNEXIS SEND ME A REPORT AND LETTER STATING THEY WERE UNABLE TO VERIFY THE BANKRUPTCY AND HAS BEEN DELETED FROM THEIR OWN DATA. 

I further request, that XXXX obtain my records and or documentation from LexisNexis proving that this still exists in their data base as verified and as accurate. 

The FCRA requires credit bureaus to verify the accuracy of credit reporting items, here XXXX has failed to do so. LexisNexis is reporting one story to me and or another story to XXXX. They need to clarify this and therefore have included them in this complaint as well. The other 2 credit bureaus complied when I disputed the same issue here. 

I have attached correspondence from LexisNexis stating the removal of the bankruptcy as well their report showing that it is no longer on my record. I also provided a letter from the bankruptcy court as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX  credit bureaus to validate these accounts ( A ), ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Experian and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus 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 items from my 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 creditor. It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA, XXXX, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Open Date XX/XX/XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX XXXX XXXXXXXX Open Date XXXX XXXX, XXXX Balance : {$0.00}
Product: Checking or savings account

Somebody cashed a fake check worth {$2900.00} in the XXXX XXXX T.D bank branch and immediately withdrew the funds. I submitted a fraud claim with this bank, but whenever i try to inquire about the status of my claim nobody gives me a straight answer. the fact is that this is my one and only bank account which they froze because my account went into the negative because of the fake check that was cashed. My issue is with the bank taking as long as it has resolving the fraud claim. It happened in their branch the money was taken out of my account by their teller, and its obvious just by looking at my bank statement that i was nowhere near XXXX XXXX Florida the day the fraud occurred. this should have been a simple resolution yet T.D bank does nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX. I got a charge not made on credit card. That had me place a freeze on all three credit XXXX, Equifax and XXXX, I need a credit card and wanted to unfreeze my account. 
At which time I found that my Equifax, had allowed the people to change my middle name and I was not me. In XXXX. I received credit reports having no charges on them now there are many and the say I am not me, because my middle name did not match. XXXX will not give me a credit report nor answer any questions. I have sent a copy of my drivers license and SS to Equifax and as said I have nothing from XXXX. I am looking for where and how I stop this invasion of my life. He/She had found me on XXXX. and have all my personal information.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefor exists. In requesting documentation none was provided.
Product: Credit card or prepaid card

Chase Bank refused to refund {$1300.00} for a flight on XXXX that I purchased on XX/XX/18. The flight supposed to be round trip from XXXX XXXX to XXXX XXXX departing XX/XX/18 returning XX/XX/18. Russian immigration took more than an hour and there was only XXXX hour and twenty minutes between flights, so I arrived at the gate for my XXXX XXXX departure after the flight had left. XXXX refused to change my flight even for a fee and insisted I buy a new separate ticket because other passengers from the LA flight had made the XXXX XXXX connection. I asked and they verified that those other passengers were all XXXX citizens who were able to pass through immigration much more quickly than Americans like myself. I therefore had to buy new tickets that cost me more than the original had to complete my trip. 

I have called XXXX repeatedly over the past two years and they have never replied nor did they reply to a XXXX XXXX XXXX   inquiry. When I tried to get help in XXXX ( I speak XXXX from training in the XXXX ) I was told to speak to an agent in LA. Once back in LA I was told I needed to resolve the issue in XXXX.
Product: Credit card or prepaid card

This is a problem with XXXX XXXX XXXX and Capital One. I have a XXXX XXXX with XXXX XXXX XXXX which is managed by Capital One. 

I believe Capital One had a system upgrade during the spring time, and there could have been some problem, because I have not received any statement from XXXX XXXX XXXX   from XX/XX/XXXX to XX/XX/XXXX, so automatically my balance became " unpaid '' without noticing at all. 

I have not received any statement or any notice from XXXX XXXX XXXX credit card in XXXX, XX/XX/XXXX, and XX/XX/XXXX until I received an email from XXXX XXXX XXXX on XX/XX/XXXX " We see you missed a payment on XX/XX/XXXX '', which was a big surprise to me, since I have not received any statement/bill from XXXX XXXX XXXX for a few months. I looked back my email account and really there was no statement emailed to be in XX/XX/XXXX, XX/XX/XXXX, or XX/XX/XXXXuntil I received such alert email. In a shock I immediately went to my account and I saw late fees and interest. XX/XX/XXXX was Saturday and the coming Monday was a holiday so I waited until Tuesday XX/XX/XXXX,  and contacted customer service of XXXX XXXX XXXX. I told the situation that I had never received any statement email or any alert email when I missed my payment due dates in XX/XX/XXXX or XX/XX/XXXX until I received one in a few days before. They waived the late fees but did not waive the interest, which was over {$80.00}. To manage, I immediately paid the balance. I can not understand why I have to be responsible and have to pay the interest, particularly with my 100 % on time payment history with full balance until then. 

Please investigate the issue with Capital One and XXXX XXXX XXXX. Not only the unfair interest was charged to me, but also this incident damaged my credit score. You can see my past very high credit score and payment history if you investigate. 

Thank you.