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

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I saw multiple credit cards and accounts requested or opened in my name without my consent or knowledge. I reported the fraudulent accounts and got them resolved except for this XXXX XXXX account XXXX I got a letter on XX/XX/XXXX saying the account has been closed and pending investigation, but as of today on XX/XX/XXXX the account is still active on the credit report and has a balance for {$990.00} ( updated XX/XX/XXXX ). I called XXXX on XX/XX/XXXX to confirm the account was closed, which is not the case since it is still open and being used.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting Adverse Accounts on my credit file. There are two accounts from the XXXX XXXX XXXX that are reporting on my file as one XX/XX/XXXX these accounts where deleted in XX/XX/XXXX because they over seven years old. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The major credit reporting agencies ( TransUnion, XXXX, XXXX ), are giving lenders too much power over information reported by lenders about consumers. Credit reports/scores reflect whatever lenders are reporting including inaccuracies which has a catastrophic effect on consumers creditability. All of my accounts both open and closed are currently in good standings and have been since the duration of the account ( s ) open, yet my credit score continues to decrease. It went from a XXXX FICO score to XXXX within a year and a halfs time ; all without having one single negative remark. As a result, I have been turned down for employment as well as credit/loans based off of scores even though my payment history is 100 % paid as agreed for all my accounts. Creditors are manipulating the impact on the information about my consumer credit reports and are prolonging the resolution process by repeatedly reporting inaccuracies. Meanwhile, I continue to miss out on opportunities that would have been available to me had an accurate account of my creditworthiness been reported. There were times I made large payments and even paid off balances and my credit score continued to decreased based off of utilization and balances. Lenders have fabricated the details of their reports causing other lenders to close accounts that were in good standing. Many creditors have also decreased the credit limits on many of my good standing accounts causing my utilization and balances to spike to and above the available credit limits. Currently, creditors are manipulating consumers credit reports to accommodate for their own benefit rather than the consumers. Creditors are disregarding the set backs due to the XXXX pandemic and over flexing their powers to report consumers creditworthiness. They are offering relief to consumers but are not honoring the offers and/or maximizing higher interest opportunities during the relief process. Creditors are capitalizing off of the fall of the economy during the pandemic and taking it out on the consumers. Credit reporting agencies are enabling creditors to misrepresent consumers creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted all 3 credit bureaus about an inaccurate account that is on my credit report. XXXX has deleted this fraudulent account to reflect my true credit history, but Experian and XXXX has yet to remove the account or send sufficient documentation supporting this claim. They are in violation of the Fair credit reporting act for failing to respond within 30 days. I am asking that these 2 agencies follow suit and remove this account. Legal action will result. 

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

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that these information are 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to promptly CORRECT or UPDATE all information which can not be verified. 

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the accounts listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ACCOUNTS? I believe you have not verified these accounts based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$260.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3800.00}, and XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

DATES SHOWN IN ATTACHMENTS ACTIONS TAKEN TRIED REACHING OUT TO XXXX XXXX XXXX, TRUSTEE, AND INDENTURE TRUSTEE SENDING REGISTER BOND WHICH WAS ALSO SIGNED FOR RETUNED BACK STILL NO ACTION TAKEN NOR RESPONE GIVEN. 

15 U.S.C. 1681a 1681a. Definitions ; rules of construction BY LAW SAYS IT IS ILLEGAL FOR CREDITORS TO REPORT LATE PAYMENTS A.K.A TRANSACTIONS ON CREDIT REPORT. 

( A ) credit or insurance to be used primarily for personal, family, or household purposes. 

( B ) employment purposes; or ( C ) any other purpose authorized under section 1681b of this title. 

18 USC 1951 INTERFERING IN COMMERCE CAUSING HARM AND THREATENING MY PERSONAL LIBERTY, RIGHTS TO CONDUCT TRADE OR BUSINESS. THIS IS A VERY VIOLENT ACT AS IT CAUSES ME TO NOT BE ABLE TO FEED MY FAMILY AND HARM UPON MY PURSUIT OF HAPPINESS TO FEED MY FAMILY. 

DENIAL OF CREDIT IS INTERFERING WITH COMMERCE, USING A CREDIT REPORT TO DENY ME CREDIT INTERFERENCE IN COMMERCE. AND YOU CAN NOT DENY ME MY RIGHT TO CONDUCT TRADE AND BUSINESS BASED ON THE FACT IM PROTECTING MY RIGHTS THATS DISCRIMINATION AND INTERFERENCE IN COMMERCE.
Product: Credit reporting or other personal consumer reports

Dear Equifax, I am writing to dispute the following information that appears on my Equifax report from XX/XX/XXXX : XXXXXXXX XXXX XXXX Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$6900.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX  XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$5300.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance. 
In light of the CFPB lawsuit filed against XXXX on XX/XX/XXXX, I respectfully request that you conduct a thorough investigation, as required by the Fair Credit Reporting Act. Please do not accept the findings of any furnisher who hasn't provided comprehensive and detailed results. I ask that you share the specifics of your investigation, including the furnishers response, via mail.
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I wrote Experian to investigate hard inquiries on my credit report I do not recognize. I never gave the company checked my credit report permission to do that in any type of way! I never heard back from Experian and the companies are still reporting on my credit report without my authorization or consent. I called the companies on my credit report with you all and they said I needed to fix it with you, that they don't have any power over this.
Product: Debt collection

I received a call from XXXX asking for my husband. When I advised her that this was not his phone number, she asked that I take a message. She stated 'we have his social security number on important legal documents in our office, and we need to talk to him immediately '. When asked what number he can call back on, she provided XXXX. 

I at this point asked what company she was with, she said 'why would I tell you that? your not who I need to talk to '. 
I advised her that he is my husband. She proceeded to yell at me, asking why I did n't tell her that in the XXXX place. She said, I made it clear this was urgent, so why did n't you tell me he was your husband? She was extremely rude and unprofessional. 

She verified she was with D2 Management and her name was XXXX XXXX with no extension. 

I told her that I would relay the message to my husband, and if he chooses to do so, he will follow up. 

She threatened us, and said ' well, he should call, we have his full social security number ' or something along those lines. I was extremely furious after he tone and behavior, I ended the call.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX
Product: Debt collection

Good afternoon, this company " United Collection Bureau , Inc. '' contacted my mother three times. Once on XX/XX/XXXX at XXXX, another on XX/XX/XXXX at XXXX, and a third time today on XX/XX/XXXX at XXXX. My mother decided to call the number and they told her they were collecting a debt from me. I understand that under federal law they can contact a family member to get in contact with me, but I thought disclosing why wasn't legal. I understand they're doing their job but they have no right to disclose that personal information to my family member and constantly harass them either.
Product: Debt collection

CREDIT MANAGEMENT LP has recently added a collection debt to all 3 of my credit reports which are XXXX, XXXX  and XXXX  that do not belong to me with a past due balance of {$370.00}. 

i have never done business with CREDIT MANAGEMENT LP or any one they are collecting for, i have never signed documents, contracts or any agreements with CREDIT MANAGEMENT LP, i have provided this company with my social security number, private address or any personal information.
Product: Credit reporting or other personal consumer reports

There are a total of 15 Hard inquiries on my consumer report that is a result of identity theft. I did not give written permission, consent or instructions for the identified inquiries on my consumer report. I have reasonably cause that the information is inaccurate, and I am demanding that the reporting of this information be blocked and deleted. ( SEE ATTACHMENT )
Product: Vehicle loan or lease

On XX/XX/XXXX I traded in my XXXX XXXX XXXX to XXXX XXXX ( XXXX XXXX XXXX, XXXX, VA XXXX ) for a new XXXX XXXX XXXX. XXXX took possession of the XXXX XXXX on that day but has yet to pay off the loan. Since that time, I've already made my payment on the XXXX XXXX but am still making payments and accruing interest on the loan for the XXXX XXXX I traded in to prevent negative reporting on my credit report. I have emailed and called XXXX multiple times to resolve the issue but to no avail. Please assist however you are able. 

Note XXXX : the XXXX XXXX  I purchased now has XXXX miles and is already in the shop for a cascade of electrical issues. I'm currently in a loaner vehicle I don't want paying XXXX car payments for vehicles I don't have possession of. 

Note XXXX : I believe XXXX XXXX is also inflating the cost of repairs for the purpose of pushing customers into the showroom to trade-in vehicles. I do not believe the repairs being recommended are reasonable needed or honestly recommended. As a result, I suspect XXXX of making fraudulent repair assessments for the purpose of pushing people to purchase new vehicles.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2020 Bad check accepted by Capitol One for Vacation Rental scam for {$3400.00} for XXXX XXXX. Security team stated they can not credit the amount of {$2000.00} sent through XXXX through Capitol One Bank. 
C.One stated they will file 2 claims with XXXX and their bank. Security team stated it is unlikely they and XXXX will credit any amount sent through XXXX. 
No action has been taken to credit any amount of the bad check. They also stated they will shut down the account once the {$2000.00} is paid or credited. The original check was for {$3400.00}. I am returning {$1400.00} to the account that was supposed to be for the vacation rental.
Product: Student loan

Although the Fedloan Servicing website gives instruction on targeting payments to allow extra payments to be applied to loans with high balances saving the consumer XXXX of dollars, they failed to acknowledge or apply the written request. I utilized the sample student loan payment request online and by mail and this information was ignored while these extra payments were split among all loans. When calling Fedloan Servicing they stated they could not target loans based on the instructional letter I would need to sign up to allow them to auto debit my payments or call monthly to make payments. This is not the information which is described.
Product: Mortgage

Carrington Mortgage Services , LLC falsely reported our loan as delinquent to the credit reporting agencies for my spouse and myself, which is showing up as a major derogatory mark on our credit reports. In XX/XX/2022 we were offered general terms of a Mortgage Modification from XXXX with a new monthly payment. We accepted these terms, and as instructed started making this payment on XX/XX/2022 and have continued to pay monthly as instructed. The record of these payments is noted in our payment history. 

Carrington is saying they never received the paperwork from XXXX ; XXXX is saying they sent everything. 

We are NOT DELINQUENT, rather XXXX and/or Carrington are delinquenXXXX, yet we are the ones now suffering the consequences of this both of our credit ratings have decreased by over XXXX points, we are receiving demands of payment from our credit cards, and our interest has increased.
Product: Credit card or prepaid card

Several months ago I FROZE MY ACCOUNT wih Discover by clicking the link that says " Freeze Account ''. However, Discover, apparently has created a new definition for freezing an account as they have continued to allow merchants to charge my account for services that I want to move to my other credit cards. Discover has a bad habit of advertising an image of being customer centric and customer friendly, yet makes moves that work for them. This is called " False Advertising '' and they are guilty of it in many areas of their business. 

They have allowed charges from XXXX XXXX for XXXX and XXXX for XXXX these are not authorized on my Discover Card. 

They show a current balance of XXXX. Please provide Discover Card with the " Adult Supervision '' that they so desparately need and have these two charges canceled and remit a check to me for XXXX. 

I also ask that you educate Discover Card on what " Freeze My Account '' means.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX my loan with Net Credit was funded in the amount of {$5600.00}. My loan was initially issued on a bi-weekly repayment schedule. After my loan was issued, I advised that I was paid semi-monthly and asked if my loan could be re-amortized to a semi-monthly repayment schedule. Net Credit agreed and I have been paying my loan based on the semi-monthly schedule since that time. No where in my loan agreement or in any communication with Net Credit was I made aware that my loan payments would not start paying on the principle balance until XX/XX/XXXX. That is over two full years of payments at {$220.00} twice a month that goes to nothing but interest. I recently went into my online account to look at my balance as I wanted to see if I could pay the loan off. To my surprise, as of today, XX/XX/XXXX, my loan balance {$5400.00} meaning of the over {$7000.00} I have paid so far only {$190.00} has been applied to principal. I also will be submitting an attachment to show that my initial amortization schedule based on the bi-weekly repayment terms fully amortized the loan with principal and interest from each payment however when they re-amortized my loan to the semi-monthly schedule the payment allocation changed to what I described earlier. This, in my view, is not only unfair in that I need to wait until XXXX of XXXX before I start paying principle from my scheduled payments but also deceptive in that this amortization schedule change was not explained to me and was not part of my original loan terms that I agreed to. You could make a case for abusive as well considering I am essentially stuck in this loan until Net Credit has received all of the interest due to be collected over the full term of the loan.
Product: Mortgage

On XX/XX/XXXX, a decision was entered in the courts of the intention of XXXX XXXX Bank to auction off my property, located at XXXX XXXX XXXX XXXX XXXX NY XXXX. Since that time we have gone through the XXXX pandemic. During this time it was an understanding that because of the financial difficulties being experienced by home owners to keep up with their mortgage payments, there would be a stop placed on forclosures. Again neither my lawyer or I was informed of a decision by XXXX XXXX 's Legal team to pursue another foreclosure and auction of the property. This decision of foreclosure was entered in the courts on XX/XX/XXXX. I received a date for sale XX/XX/XXXX. Recently I received a new letter in the mail stating a determination to sell at auction on XX/XX/XXXX, The fact of the matter is that it was never proven in court that XXXX XXXX had legal ownership of the mortgage on my property. And the court issued this decision in XXXX. The reason being the XXXX XXXX of legal acquisition of the mortgage was never proven in the court of law. XXXX XXXX could not prove how they gain ownership to the mortgage on my property. 

XXXX times there was a case for foreclosure of my mortgage without my knowledge of the case filing or date of court appearance. Presently a new Loan servicing company, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, has taken over the management of the mortgage loan. XXXX XXXX has stated they have had nothing to do with a foreclosing on my property even though the bank is mentioned in the case as is recorded on the notice attached to this complaint. 

All of these cases are being pursued and conducted in the courts to foreclose and I am not clear of who is responsible.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS LOSS/STOLEN XXXX  AND I REPORTED. I WAS LATER NOTIFIED THAT MY INFORMATIN WAS INVOLVED IN THE XXXX XXXX BREACH. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS/CREDIT INQUIRIES THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. 

I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. 

I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF XXXX XXXX XXXX FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF XXXX XXXX XXXX XXXX EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF XXXX XXXX XXXX XXXX 

DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN XXXX BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit card

I provided a copy from the IRS the 1099C and showing the Cancellation of Debt. I have been having problems with AMERICAN EXPRESS updated the system since XX/XX/year>, to have this corrected. Now my accounts are showing XXXX days late.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that credit inquiries were made by following the credit inquiries listed below. However, these inquiries were not authorized by me. Therefore, I'm sending this complaint to dispute these inquiries and have it removed from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX