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

I am filing this complaint because my credit reports show several unauthorized inquiries and inaccurate personal information that I did not initiate or approve. These inquiries have appeared without my consent, and despite reaching out to the credit bureaus to have them removed, they remain on my reports. My disputes have been ignored or dismissed without proper investigation, leaving these inaccurate inquiries to negatively impact my credit score. This situation is both alarming and unjust, as these inquiries are not a result of any actions Ive taken.

Transunion Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX INQUIRY - XXXXXXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith.

Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. 

XXXX Incorrect Address : - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employer - XXXX XXXX XXXXncorrect Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Listed below are the Inquiries that are being challenged INQUIRY - XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXX INQUIRY - XXXX XXXX XXXX - XXXX 1 of 4 Under 15 U.S. Code 1681b ( c ) ( 1 ), a consumer reporting agency may only provide a consumer report for a permissible purpose. These inquiries do not meet the permissible purposes defined by the FCRA and should be expunged from my credit report forthwith. 
Inaccurate Personal Information Additionally, I have identified several inaccuracies in my personal information that require correction. Below is a detailed list of the erroneous entries : Incorrect Names | Incorrect Addresses | Incorrect Employment History | Incorrect Address : - Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employer - XXXX XXXX Incorrect Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX INQUIRY - XXXX - XXXX INQUIRY - XXXX XXXX XXXX XXXX XXXXXXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Employer - XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Two to threXXXX weeks ago I tried to have a freeze on my credit lifted from all three credit bureaus. I contacted either XXXX  or Experian to get my credit unfrozen. I dont remember which one it was exactly. When I contacted either XXXX  or Experian, I was declined from speaking to someone because they said they couldn't verify my identity. I think they had the wrong address on my person. From either XXXX or Experian, I was instructed to send a letter with my name, social security number, date of birth, two documents verifying my identity, signature and intention. I did all this and sent letters to all three credit bureaus. Nothing is being done. I only received XXXX letter from XXXX XXXX I think. It was only my credit report. I can not get my credit unfrozen after I contacted them and did everything that was asked. I need help with this because they aren't doing anything to fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made multiple attempts to have Transunion correct wrong information associated with an old credit account which appears on my credit report. The claim report has been returned with the same incorrect information, claiming that the information was verified. Upon calling Transunion to speak with representatives, I was alternately told that there were no managers, there were no employee ID numbers and that the new information I was provided would be taken into account ( payment history based on check stubs ). 

Upon calling the creditor in question I was told that they purge their old accounts within a couple of years of the account closing and that they could not find any trace of my account whatsoever. I spoke with XXXX different reps and both told me that the information is scrubbed and even were Transunion to call they would only be told that my account was closed in good standing. 

Transunion appears intent on ignoring their obligation to do due-diligence in maintaining accurate records and as a result my XXXX XXXX is suffering. Given the economic conditions this has grave consequences on my ability to make large purchases and is impacting my standard of living. 
It is both unacceptable and appalling that a company has such power over private citizens while having a complete lack of customer service options.
Product: Debt collection

I received a second notice from Resurgent stating an account was sold to them XX/XX/2022 and the new owner is LVNV Funding LLC I previously sent a letter requesting validation of the alleged debt which : According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract on all accounts and they did no such thing I am now receiving harassing mail and email I requested them to cease and desist ALL communication from me! and they have violated my request. First and foremost, it is illegal for a collection agency to buy up a debt and assume that the debt is yours without a consumers written consent. YOU have failed to validate the alleged debt which you are in violation of my rights per the FCRA for falsely reporting unvalidated information on my credit file. I am requesting a COPY of the alleged original consumer contract SIGNED by me unless you can provide the requested documentation you are violating my rights as a consumer. A statement is not a debt validation you are in validation of my consumer rights. Pursuant to the Fair Debt Collection Practices Act, STOP communicating with me regarding the above-referenced accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX ( Bank ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX ( Finance ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX, XXXX Delete this item immediately
Product: Credit reporting or other personal consumer reports

Upon me checking my credit reports i discovered three fraudulent acccounts on XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the credit inquiries below I did n't authorize dealer to submit to these banks. XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX , AZ XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , AZ XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Reseller XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX I XXXX XXXX XXXX XXXX XXXX, OK XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX XXXX XXXX XXXX & XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX XX/XX/XXXX Personal Loan Companies XXXX XXXX XXXX XXXX, IN XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Automobile Dealers, Used XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX XX/XX/XXXX  XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX  XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Credit Unions XXXX XXXX XXXX XXXX XXXX , TX XXXX ( XXXX ) XXXX
Product: Mortgage

Ocwen keeps paying my property taxes and then raise my mortgage payments, my city taxes were due by XX/XX/2017 then there is a late fee throughout the year added well Ocwen decided to pay them by the end of XX/XX/XXXX and raise my mortgage to XXXX now
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance Owed : {$29000.00}XX/XX/XXXXXXXX XXXX Balance Owed : {$0.00} XX/XX/XXXXXX/XX/XXXXXXXX XXXX Owed : {$30000.00}XX/XX/XXXXXXXX XXXX Balance Owed : {$0.00}XX/XX/XXXX XXXX Balance Owed XXXX {$30000.00}XX/XX/XXXXXXXX XXXX Balance Owed : {$0.00}
Product: Checking or savings account

I was overdrawn on my account but the fees and the amount totaled over XXXX
Product: Credit card

I was double charged for an excursion by the hotel. This was finally resolved, however, one of the amounts remained on my credit card so I reached out directly to the Hotel Manager who tole me I was owed a credit of approximately XXXX euros. I have this in writing and have been dealing with Barclays for over 2 months on this matter and they have not been able to resolve it, nor can they call me due to something they claim is Robo calls which is irrelevant. The bottom line is after speaking to 2 rude individuals I have closed this Master Card completely. They have not responded to multiple emails I have sent them with the correspondence from the Hotel Manager and have not resolved the difference on my Master Card which is approximately {$100.00}. Your assistance is greatly needed to resolve this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response back. I feel like I'm being taken advantage of and that I'm not being taken seriously. After doing research, Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report and it has been over 45 days so they should be removed now. The inaccurate information is preventing me from getting approved for the things I need to have and causing me to pay higher than necessary interest rates. My information was also impacted by the XXXX data breach and may have got in the hands of the wrong person. I will file for litigation if I have to. Please resolve the issues with my credit report. I've also filed previous complaints that were not acknowledged.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Mortgage

I paid my XX/XX/2020 payment to Shellpoint Mortgage Company using my electronic bill pay service through XXXX XXXX. The check was for {$1400.00}. Shellpoint Mortgage Company cashed the check and then stated they never received payment. I contacted them by phone for approximately 2 weeks. In the course of one week, my wife and I were sent more than 24 notices from Shellpoint Mortgage stated I was delinquent. I had my bank send the cancelled check as proof of payment to Shellpoint Mortgage in the beginning of XX/XX/2020. The check is dated XX/XX/2020 and on the bank it is endorsed on XX/XX/2020 by " New Rez LLC aka Shellpoint Mortgage '' Additionally, I sent the copy I received from the bank. I also sent a copy directly to a supervisor on XX/XX/2020. I am still getting calls from collection agents from Shellpoint Mortgage attempting to collect money I don't owe.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  committed TWO serious things. The FIRST was that they charged my account {$2.00} per month for XXXX months without my authorization or knowledge. Because I had not charged anything during this period AND I was not sent a statement, I had no knowledge of these charges and I was NEVER given an explanation for these {$2.00} per month charges when I inquired about them. I only became aware of these charges AFTER they sent me an email telling me that my account was delinquent. 
I called to tell them that that was wrong on their part to charge my account those amounts without my authorization, but they could care less and did not delete them, which forced me to pay them. The Second serious infraction was that after I paid those bogus charges, they reported me to the credit bureau as paying late for those $ XXXX bogus charges, which downgraded my credit score immediately from like XXXX down to XXXX. I have never paid late on an account, that is one of the reasons I've had excellent credit in the XXXX 's. 
They ruined my excellent credit and when I called them, again they could care less and chose to not fix the problem which they created.
Product: Credit card or prepaid card

XX/XX/2022 I made an online purchase from Pottery Barn using my Capital One Pottery Barn card. They placed a hold for the purchase amount in the card, and the same day submitted a duplicate transaction which caused my account to overdraft. I immediately called into Capital One, who brought Pottery Barn  on the line. They explained this was a known issue within their system. I requested the order be canceled and the card closed as this seemed a suspect process. Both Capital One and Pottery Barn assured me the transaction and order were canceled and my card was closed with a XXXX balance. Towards the later part of XXXX I checked my online Capital One account and noticed there was a {$2500.00} charge from Pottery Barn on the closed account with no transaction data. I called Capitol One twice. The second call on XXXX XXXX they got Pottery Barn on the line yet again. Pottery XXXX said they had tried to reverse the charge but the transaction got returned by Capital One. They agreed to work on this issue over the weekend and call me on XXXX XXXX to confirm resolution. They never called me. On XXXX in the evening I called back into Capital One to register an official dispute. Capital One was reluctant to register my dispute because I could not recall what I had ordered in XXXX from Pottery Barn. I then requested that they submit as fraud, which they said would not work. Ultimately they agreed to open the dispute. 

This was consumer fraud on the part of Pottery Barn and their card vendor Capital One. They admitted during multiple calls that the double charge was a known system issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX - XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Can u please delete the " duplicate inquiry request '', thats what XXXX XXXX told me to say in this report. 
Thank you so much. 

XXXX : XXXX XXXX XX/XX/2022 2022
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2022 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXXXXXX Balance : {$8900.00} XXXX XXXX Balance : {$12000.00}
Product: Credit card

In each of the last XXXX statement cycles payment in full was mailed ( usps ) on XX/XX/XXXX anddue on XX/XX/XXXX. Yet the payments were, in each case held until XX/XX/XXXX thus incurring {$27.00} late fee. This is American Express and is common thievery. I know I have fewoptions. Please use caution dealing with AMX, ethics are not featured.
Product: Student loan

In Fall XXXX, I took out both a federal and private loan under SallieMae to attend the XXXX XXXX XXXX XXXX XXXX ( XXXX ). XXXX is part of XXXX XXXX XXXX. I attended XXXX for less than 1 year. 

In XX/XX/XXXX, I filed an application for Borrowers Defense to Repayment for discharge of my federal student loans for the aforementioned school XXXX. 

In XX/XX/XXXX, I refinanced my private student loan via NavientReFi so I could pay off my balance faster. 

On XX/XX/XXXX, I received an approval of my Borrower Defense Case application under Exhibit C of the Sweet v. Cardona Settlement for the same school that my private loans are for ( Sweet v. Cardona approval letter ). 

On XX/XX/XXXX I requested a copy of the School Misconduct Discharge application from Navient concerning private student loan discharge. I received an email from Navient on the same day stating " Your loan type ( Refinance ) does not meet the criteria for you to receive an application. '' I disagree with Navient 's decision that my loan type ( Refinance ) does not meet the criteria for me to receive an application. Navient could have sent me an application to fill out but instead denied me the application outright. I was never considered for due process under certain conditions, such as predatory student lending and school misconduct. 

I do not understand why it is acceptable to pay back private student loans for a school who was involved in a class action lawsuit for school misconduct and predatory student lending when I have already received an approval letter for my federal loans to be dismissed under the same school. I have been carrying this debt for 20 years. This is financial imprisonment. 

The remaining amount of my private loan under Navient ReFi is {$16000.00}. This will take about 3+ years to complete under my current fixed NavientReFi I possess digital copies of all the original loan documentation from XXXX XXXX 

Thank you for your time and assistance with this matter. 

With appreciation, XXXX XXXX
Product: Checking or savings account

I cancelled a purchase with XXXX and the XXXX stated they could not find the transaction. I was instructed by Bank of America to allow the charge to process before filing a dispute. I then went on to file a dispute with Bank of America. Bank of America gave me a temporary credit pending the investigation, and now they are revoking that credit after their investigation. I have proof showing the XXXX purchase price was taken from my account and that Bank of America has not done their due diligence to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Accounts : XXXX XXXX XXXX : Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX Equifax Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened- XXXX XXXX, XXXX Account Number : XXXX XXXX XXXX XXXX  : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX Accounts : XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX : Date Opened : XX/XX/XXXX Account Number : XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Number : XXXX I am a victim of identity theft. Since these accounts are reported repossessed, paid off, or charged-off it should not still be reporting the 1. Open date, 2. Date of last payment, 3. monthly payment amount, 4. date of last activity, 5. account number
Product: Mortgage

Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.