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

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 XXXXXXXX has violated XXXX rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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

Beginning back in XXXX or XXXX during the pandemic I had someone use my identity to open up a cell phone plan with sprint. I filed a report with the XXXX XXXX police for Id entity theft in XXXX also had my credit frozen through XXXX or XXXX after the identity theft in XXXX or XXXX. I have also filed a Fraud Report with the FTC with the report number being XXXX for this other account that is fraud. 
Back in XXXX of XXXX I field a dispute with XXXX for a debt under the company name of XXXX XXXX associates. After XXXX reviewed the filed report they removed it from my credit file. Then a company named Vance Huffman has appeared on my credit report. It looks like they are the trying to collect on the same fraudulent debt that XXXX XXXX associates was trying to. I reached out to Vance Huffman for more information and was told to call a different company. This company called prime recovery stated that even if I had a fraud report or proof of fraud they would not remove this fraudulent debt. I have also ask for proof of verification of this debt which has not been given. I have also had fraud protection added to my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting or other personal consumer reports

The CARES Act and Credit Reports states ...... If you made an arrangement with a creditor they can not report your payments as past due. This is as long as your account was already current. This applies to agreements made between XX/XX/XXXX up until the Covid 19 COVID-19 national emergency ends. XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX reporting a late payment to my credit report however, I had follow all steps of making a valid payment arrangement via the CARES ACT with this company during the con reed periods however the company is still reporting inaccurately to all 3 of the national credit agencies I was current before and after that time also. you are current on payments and make special arrangements, creditors must report the account as current. 

Late and missed payments CAN NOT be reported if you have already made arrangements. 

XXXXXXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, Equifax Ceditt Monitoring system took {$19.00} from my checking account. I called XX/XX/2023, to request a refund since I am not able to access my credit report. 

I spoke with Equifax in XX/XX/2023 regarding the message on my account that states " your credit report is not available. Try again ''. This has been this way since XX/XX/2023. I have requested refunds since I can not access my report although they have been paid every month.
Product: Debt collection

I have an account in collections for Genesis Credit Management. Apparently it's another apartment application fee of {$100.00}. My credit score went down over XXXX points.
Product: Checking or savings account

Earlier this week Chime sent the " pay anyone '' money I was sending to my friend to an entirely different person. I spent 2 hours on the phone with them explaining this to them, they allowed me to finally dispute the transaction and assured me it would be taken care of. However they immediately denied them dispute which was money donated to me for medical expenses and they refuse to reimburse me for their error.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX - I have no signed contracts with this firm with my valid signature that obligates me to this debt. This is invalid and should be deleted from my credit report under XXXX XXXX of the FCRA. 

This company has inserted this information on my credit report as an INTIMIDATION tactic to scare me to pay a debt that I didn't sign for or does NOT have my valid signature.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 Equifax XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 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
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts 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 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 of 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

( XX/XX/2018 ) I called XXXX this morning to rectify the problem and I got disrespected, insulted, the customer service reps said things like " I don't care '' or they would keep hanging up in my face like little kids instead of addressing the problems. XXXX will print out anything from their computer and claim it as being true when in actuality its a lie, glitch or error. XXXX kept hanging up in my face while saying " Why do you keep calling in? '' I answered " Because you keep hanging up in my face ''. Lastly I spoke with a XXXX  representative that refused to give me his name, he said he was from the XXXX branch within XXXX, He identified himself as " XXXX '' which I thought was very strange. The guy preceded to insult me and speak to me with a condescending attitude. The XXXX rep behaved like a child, repeatedly hanging up in my face and joking around on the phone, finally instead of addressing the problem the XXXX rep said He was calling the police on me for harassing and threatening him. He also said he would do everything in his power to keep reporting negative fraudulent things into my credit reports. After he threatened to have me arrested for calling about my problem I knew XXXX was/Is a criminal enterprise! Why does the US Dept. of Education do business with fraudulent criminals? I went to the XXXX police department to check and see if XXXX filed a false police report against me and they said that XXXX could not do that and they wouldn't take a police report on that if they did. XXXX does illegal things when dealing with students/customers and I would like something done about it.
Product: Mortgage

My mortgage was held by wells Fargo during XXXX. I was apart of the shady practices, red lining, interest rate tricksetc. I never received any information about being included in the recent class action lawsuits with over XXXX XXXX XXXX settlements for the more than XXXX XXXX customers. Now supposedly theyve purged my file.
Product: Mortgage

My mortgage was bought by mr cooper  XXXX XX/XX/XXXX- I paid my last payment to XXXX XX/XX/XXXX and next payment with Mr cooper as advised XX/XX/XXXX. Every payment went ok for XXXX XXXX then in XX/XX/XXXX began to get rejected. XX/XX/XXXX rejected- I tried to make that payment again XXXX XXXX it was reversed. 
XX/XX/XXXX I made two payments and they were both reversed. 
Upon messaging the company I was told my bank account must have been entered wrong ( odd because it had been fine prior? ) however I re entered the info same as it existed on the page! And re submitted. They have already hit my credit multiple times and assessed XXXX fees. 

The only answers I have got were via a XXXX  on their XXXX account and she stated I owe the payment that the last mortgage company didnt forward for me but I have proof of draft from bank that it was paid in XXXX. 

I have also got MANY letters saying my payments are needed, my va loan is at risk and they can not reach me. My information has never changed- I only have one phone number and have never got a phone call until a message I received Friday XX/XX/XXXX from thomasette (? ) and i attempted to call her back 3 Times over a hour and a half and left one message also. 

Ive found that multiple persons are also having issues with this company? Im unsure if they are intent on pushing homeowners into foreclosure or what but its very scary. I never applied for any XXXX assistance or been late on my payments- their refusal and reversals of payments have caused the issues
Product: Credit reporting or other personal consumer reports

REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES. 
EQUIFAX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

In approximately XX/XX/XXXX a medical bill for {$570.00} was sent to collections care of the CBE group. Between XX/XX/XXXX and XX/XX/XXXX that collection was removed and a new collection was added of the same amount labeled as being from CBE group former. 
This is re aging and it's illegal.
Product: Credit reporting or other personal consumer reports

I discovered that three accounts had been opened in my name on my credit report by a company called XXXX XXXX XXXX XXXX XXXX and XXXX. These accounts were opened without my knowledge or consent, and I did not permit them to open XXXXXXXX XXXX  credit card in my name. During a timeshare presentation I attended, they requested a soft pull to see my membership options. However, I later discovered that they had performed three hard pulls on my credit report, and to my surprise, I received XXXXXXXX XXXX credit card in the mail after returning home. When I tried to cancel it through XXXX, they refused, and XXXX also refused when I reached out to them. This is a deceptive business practice, and they have used my credit information to open an account without my authorization, knowledge, or consent. Before attending the timeshare presentation, my credit score was XXXX. Still, now, due to the addition of these inquiries and the account to my credit, it has dropped to XXXX, making it challenging for me to move into a decent home. I want this account removed from my credit report immediately because I did not authorize it. I have already disputed the account, but the credit bureaus ignored my request for removal and my right to an investigation.
Product: Credit reporting or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their 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, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX. XXXX Balance : {$6400.00} XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

I reached out to Loan Care for a refinance or assistance because i was 1 month behind and having trouble catching up. I asked what my options were to help resolve this. Loan Care put me into a loan modification program. We paid our mortgage 3 months in a row to see if we were worthy of the program. We were told not to make another mortgage payment until they completed the modification. I received paperwork that the loan modification was complete and notarized it and returned it to Loan Care. My wife called the next day to give Loan Care the tracking number and inform them that the paperwork was on the way. She asked when we would resume payments and was told that until the modification is finalized we would not know when or how much our mortgage payment would be, so we have to wait. I called Loan Care at least 3 more times the following months only to be told the  same thing. I call again in XX/XX/XXXX only to be told now that we are 2 months behind. We signed the paperwork on the XX/XX/XXXX and did not hear anything regarding the payment until our XX/XX/XXXX statement came on the XX/XX/XXXX that showed the updated payments from the amendment and now that we were behind 2 months going on 3. Loan Care refuses to take responsibility for their mistake and instead blames us for not knowing that we were to resume payments immediately after the modification even though every associate we spoke with during that time told us to wait. Now because we are showing as delinquent, we ca n't go elsewhere to refinance and all of a sudden Loan Care is out of options to help. They are only willing to take multiple payments from us so we can catch up and refuse to update the credit report even though it was their fault that we are behind.
Product: Credit reporting

In XXXX I moved back to XXXX after living in XXXX for 2 years.Because I had a company vehicle, I did n't need car insurance, so when I returned in state I again needed insurance so I got XXXX of XXXX.they told me because I had no insurance for the last few years I would need a rider on my policy.I was given no choice in the matter and XXXX chose a person in my household, they told me this was temporary until I established a history with them.every few months I would ask XXXX when could my insurance go down and the rider be removed, but all I got were blank stares and the same response that they could do this and I had no choice in the matter.I tried to change my insurance company on several occasions but they 're rates were to high.after a few years my rider XXXX AAA kept her as my rider for another year, even laughing in my face when I dared ask why she was still my rider.When they finally changed my rider they raised my rates.when I bought a newer vehicle they raised my rates.they raised my premium to {$350.00} a month, despite the fact a had no claims, no accidents, and no tickets.This is when I found out my rates were n't based on my driving record but on my credit.which was good before XXXX of XXXX drove it into the ground.you see XXXX used XXXX of XXXX XXXX to determine how good I drove in XXXX Nexus and XXXX used faulty information to price gouge on car insurance.they even chose for my new rider XXXX XXXX, my room mate even though she was ruled by a court of law to not be able to be in charge of her own finances.I had partial ownership of XXXX properties, yet XXXX said I did not.I 've since lost XXXX houses due to XXXX wrongful billing.I 've been forced to move out of that household and away from my family in order to get affordable car insurance.my friend in addition to losing his wife had to return his vehicle because I 'm no longer there to pay for it, he 's a XXXX vet and he used his vehicle to take other members of his family to there doctors appointments.AAA and Lexus Nexus in addition to screwing up my life has totally screwed up my friends life as well.I personally will never recommend them to anyone.I 'm also highly disturbed that LexusNexus is given carte blanche to do as it pleases with regards to my life without first contacting me and confirming any information they use about me.
Product: Money transfer, virtual currency, or money service

On XX/XX/23 I, XXXX XXXX, held {$4900.00} in my Gemini Trust Company LLC Exchange account. There was a breach of my account that day, and all of my funds were stolen. I submitted a help ticket with Gemini ( Ticket ID : XXXX ) on XX/XX/23 after I noticed the funds were missing. After several weeks, Gemini responded that they do not insure digital assets ( cryptocurrencies ) and I would not be refunded. I responded that I did not have any digital assets stolen and that I was seeking my US Dollars be returned to me. Gemini lists in their terms of service that funds, such as USD, held in a Gemini account are eligible for " pass-through '' insurance, held through XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
It has now been over 3 months and I have not received any communications from Gemini regarding this matter since XX/XX/23. I have requested to speak with a supervisor on the matter and I was never provided that option. I have been unable to obtain a phone number for Gemini but the address is as follows : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX NY XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX To : Experian Information Solutions , Inc . 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Formal Demand for Immediate Removal of Unauthorized and Extortionate Collection Account To Whom It May Concern, I am writing to demand the immediate removal of the XXXX XXXX XXXX account reported for XXXX XXXX XXXX ( Account Number : XXXX XXXX ) from my credit report. This collection account is unauthorized, as I have never given permission for XXXX XXXX to report any information about me. Additionally, the reporting of this account constitutes extortionate collection practices in violation of 18 U.S.C. 894, which prohibits the use of extortionate means to collect debts. 

As detailed in the FTC Identity Theft Report I submitted, this account and the associated practices represent a fraudulent attempt to mislead and harm my creditworthiness. Experian and XXXX XXXX are both responsible under 15 U.S.C. 1681c-2 ( FCRA Section 605B ) to block any unauthorized or disputed accounts within four ( 4 ) business days of receiving a valid FTC report XXXX 

Despite my compliance with federal law, Experian and XXXX XXXX have failed to act in accordance with their obligations. The failure to block or remove the fraudulent account further perpetuates financial harm, defamation, and emotional distress. 

I demand the immediate removal of this collection account from my credit report, as it is unauthorized, fraudulent, and extortionate. This account misrepresents my creditworthiness and violates my consumer privacy rights under both federal law and constitutional protections. 

If this matter is not resolved within seven ( 7 ) business days, I will escalate this issue by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing all available legal actions, including seeking damages for FCRA violations, unfair practices under the FTC Act, and extortion under 18 U.S.C. 894. 

I expect written confirmation of the removal of this account and assurance that no further unauthorized or fraudulent information will be reported. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
Product: Credit reporting

I applied for a mortgage and was told Experian reports XXXX judgements : 1. XXXX County. XXXX {$15000.00}. XXXX XXXX XXXX XXXX. XX/XX/XXXX 2. XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX . XX/XX/XXXX I have never resided in XXXX County and have never heard of XXXX XXXX XXXX XXXX. These do not belong to me and because of the mistake I am denied a mortgage!
Product: Mortgage

Since XXXX M & T has not been applying my payments to my mortgage even though I am set up on flex pay and partial payments are sent weekly. This has been an ongoing issue since XXXX but has only gotten worse since XXXX where they have stopped applying my payments unless I call incessantly to tell them to apply the payments. They have even sent me money back which is senseless when it should be applied to my mortgage correctly.