23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a 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 XXXX  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

Under the fair credit reporting act, I am requesting that you investigate and delete the inaccuracies on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called them to delete the inquires that I did not do but listed on my credit report. They said that they don't dispute inquires. This is not fair because I am a victim of identity theft and the credit bureau have to report this that I have done not fraud. Please delete the information that us on the attached identity theft report.
Product: Credit reporting, credit repair services, or other personal consumer reports

lam a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681.

And they violated my rights numerous of times. I demand the accounts listed below be remove because According to 15 USC 1681 : I have the right to privacv and I did not aive Eauifax written permission to furnish these accounts. 

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

XXXX  does follow federal regulations for consumers. They allow your information to be access and used against you. They constantly report inaccurate information on my file. When dispute it and its definitely wrong they state that the fraudulent information is correct. Which means they are in business with that company which is a conflict of interest. XXXX  and end XXXX does a better job with protecting the consumers. So i have 5 accounts on my that are inaccurate and fraudulent information on them. XXXX  and XXXX recognized the inaccuracies and fixed or deleted them. XXXX does not even investigates them properly. They just state its verified. Even if you upload a police report. They should be shut down and put out of business for giving out personal information and conflicts of interests against consumers. They are the worst American company and they are part of a huge problem Congress needs to shut them down. I have even written my local representative about XXXX unlawful practices to keep consumers down with fraudulent score keeping.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you block and delete the account and inquiries listed below from my credit file pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). I am a victim of a data breach, and these items were fraudulently opened or conducted in my name without my authorization. 
The fraudulent account and inquiries are as follows : Account : 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 XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX XXXX TransUnion are consumer reporting agencies and I am the Consumer XXXX XXXX XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

" ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates.

" ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX, XXXX XXXX TransUnion do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, TransUnion ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

" ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This accounts is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. 
" I am opting out of your reporting services for all unfair inaccurate & adverse accounting
Product: Mortgage

Like many others my husband and I were given the run around by carrington  during the pandemic. We got behind on our mortgage and did the forebearance. I was told that at the end of the forebearance we would just have our past due balance put on the back side of the loan with no late payment upfront, no extra fees, no late fees, no lawyer fees, no negatives on our credit reports, and no need for refinance. They told us they were here to help us get through it. 
We were almost a year out before we were able to make payments again. Then we go to make a payment to find that they wont allow us to pick up where we left off. We were locked out of our online account, unable to get information, received foreclosure notices. The. We finally got them to talk to us and they let us apply for a refinance. They allowed it to go through, but now we owe more than we did originally. Weve had the loan for over 12 years now started off around XXXX and now we owe over XXXX. Then they tacked on over XXXX in fees we arent able to pay after saying they wouldnt add fees. Sure they lowered our interest rate by around XXXX XXXX but we still owe more than our original buying price. Our loan has been sold multiple times before landing with carrington, which means our information has been sold as well and now we are going to have to pay everything weve already paid off again all because we were lied to. My husbands credit was drug through the mud because of this even though they said it wouldnt be affected at all. Ive called multiple times and been told by a few that it would drop off after 2 months of consistent payments. Well weve paid for 6 months straight now and its still showing bad marks against his credit. We tried to refinance our truck loan to lower our payment and cant even do that because our bank wont help us until we are showing 1 year good with payments with them or until they drop the negative marks on his credit. We are still recovering from the damage the pandemic did on our finances. Carrington is doing something illegal to everyone who needed help during this pandemic and giving false information and put us and many other in a bad spot because of it. They either need to dissolve our loan and take ownership of the property without any legal recourse or more credit recourse or they need to honor what we were told when we took the forebearance plan. We are struggling even more because of this company and they refuse to fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good Afternoon Leader ; I was going through my credit again this month in regards to 3 credit cards I had with XXXX  XXXX XXXX company which I had resolved and paid them off completely as you can see the attachments. But it continues to report incomplete, unverifiable, inconsistent, & errors on my credit report which is drastically impact my family 's financial goals. When I reached out to the 3 major credit bureaus, XXXX, delete them all for violation and inaccuracies, but the other 2 still report with the same error. How is it possible you continue to say that you verified if the balance still shows the same and all the errors that i pointed out. I was told by the original creditor that you would delete them. Please comply and help me out. Streamline the process! Thanks!
Product: Credit reporting or other personal consumer reports

i didnt open this acct and have been a victim of identity theft
Product: Credit reporting or other personal consumer reports

I checked my credit report on XX/XX/XXXX and found that I have Late payments reported on XXXX and Experian for XXXX XXXX XXXX and XXXX XXXXXXXX XXXX The FCRA states that my credit reports must be accurate and up to date as I have attached a file showing the XXXXXXXX XXXX account on XXXX as never late in XXXX of XXXX and 30 days late in XXXX of XXXX for Experian and XXXX. I also attached the document showing XXXX XXXX as Late for XXXX of XXXX on XXXX not reporting on Experian and late for XXXX and XXXX of XXXX for XXXX. I have contacted hired a law firm XXXX XXXX out of Indiana to represent me to file a lawsuit against Experian and XXXX for FCRA Violations for a mixed file with wrong addresses the unlawful late payments and the charge off from XXXX still reporting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's have stated stated my account has been accurately And properly investigated but how could that be possible double if the open updates Are inaccurate, High balance is inaccurate, Date of last activity is inaccurate, the closed date Is inaccurate, the 2 year payment history and Days late are in accurate.The accounts are as followed. XXXX 1.High Balance inaccurate.2 Date of last Activity.3. Date Opened. 4.Date Closed. 5.Two- Year payment history. 6. Days late. Account 2 is Ray And Flan. 7.High Balance 8. Last Verified.9. Date of Last Activity. 10.Date Reported.11. Closed date.12. Two year Payment history. 13. Days late. Account 3 XXXX, XXXX. 14. High Balance.15Last Verified.16.Date of Last Activity.17.Date Reported. 18. Date opened. 19.Closed Date. 20.Two year payment history. 21.Days late. Account 4 XXXX XXXX. 22. High Balance.23.Date of Last Activity. 24. Date opened.25. Closed Date. 26.Two Year Paent History. 27. Days Late. Account 5 XXXX XXXX. 28. High Balance.29.Last verified.30.Date Opened.31.Closed Date.32. Two Year Payment History.33.Days late. Account 6 XXXX. 34.High Balance.35.Last Verified.35. Date of Last Activity.36. Date Opened.37.Closed Date. 38. Two year payment History. 39. Days late. Account 7 UPSTART XXXX.40.High balance.41.Last Verified.42.Date of Last Activity.43. Date Reported.44.Date Opened.45. Closed Date.47. Two Year Payment History.48.Days Late. Account 8 XXXX XXXX.49.High Balance.49.Last Verified.50. Date Reported.51.Date Openeded.52.Balance Owed.53. Closed Date.54.Account Status. Account 9 XXXX XXXX.55.Last Verified. 56. Date of Last Activity. 57. Date Opened. On XXXX XXXX, XXXX XXXX as well as XXXX XXXX. No one responds or sends a new report with updated information. Also have asked to update my personal information with only my current address of XXXX XXXX XXXX XXXX Nj XXXX. And nothing. 
15 U.S.C 1681 Section 602 ( A ) States I have the right to privacy.

15 U.S.C 1681 Section 602 ( A ) Also States a consumer Reporting Agency can not furnnish an account without my written instructions How could all of this inaccurate information possibly meet XXXX standards. Those inaccurate accounts were only for experian. Transunion Also is reporting inaccuracte information just the same with just about 100 inaccurate items. XXXX is unable to find any of my information. Please help me here my life is really hitting speed bumps and setting me back big time and this is highly unfair. And i believe the credit bureau 's were not.resolving anything due to these letters coming from a repair company and not me personally. So trying to take matters in my own hands and reach out for help.
Product: Debt collection

I have been sent multiple notices for collection of payment that has already been paid. 

I have contacted AmerAssist Solutions Inc about a dental bill on XXXX XXXX, 2022 about looking into the matter. Additionally, I have supplied the receipt that was given to me as proof of payment of the bill. The contact then emailed me back stating they would follow up with me after contacting the company. I contacted them again XXXX XXXX to ask about the situation due to another collection notice sent to my home. On XXXX XXXX, 2022, they had replied that the account was not paid and I would need to contact the creditor company XXXX XXXX about further question, despite already showing proof of receipt. 

On the same day I contacted Amerassist Solution Inc, ( XXXX XXXX, 2022 ) I also emailed XXXX XXXX XXXX XXXX XXXX XXXX XXXX and was replied to the same day from the operations manager. I emailed the same receipts I did AmerAssist and XXXX XXXX stated that they would look into situation and have the situation resolved. XXXX Smiles failed to contact me about the bill following my initial emaiI. I contacted XXXX XXXX again on XXXX XXXX and XXXX XXXX asking for an update but still did not receive a reply. 

Despite trying to resolve the issue with both companies, I have instead been sent a notice about how the proposed bill will affect my credit. These XXXX companies have been grossly negligent in trying to resolve this issue as I been given no assistance in the matter as well as being ignored by both companies. 

Attached are the files that include the receipt showing proof of purchase, along with the statement from my bank account
Product: Checking or savings account

Ally.com is not replying to my email about when they will send me an ATM card. Calling and chat requires VERY long hold times.
Product: Mortgage

I am a 100 % XXXX Veteran in Texas, and have applied for and received a 100 % property tax exemption from my county ( XXXX County Appraisal District ) as of XX/XX/2021. 

In early XXXX, I submitted the forms from the appraisal district and the VA to the mortgage servicer, PHH Mortgage ( XXXX XXXX XXXX ). Originally, I was told that they would re-calculate my monthly payment in XXXX days, and send me a refund in my escrow in 7-10 days. 

However, on XX/XX/XXXX, I called PHH to check on the status of the issue. I was told that PHH will not adjust my tax estimate until XX/XX/2021. 

My monthly mortgage payment is approximately {$1700.00}. An additional {$1100.00} was due each month for property taxes prior to my 100 % VA XXXX rating. Now that they refuse to honor my exemption, they will be collecting an additional {$10000.00} over the year that I don't owe them. 

Please help! This is predatory and deceptive behavior.
Product: Mortgage

I have a mortgage with Ditech. Ditech went into bankruptcy in XXXX if I understand correctly. I did not receive instructions on how to pay the new company. I waited. 

When I finally heard from the " new '' ( it's probably the same people I bet, they have a history ) company, XXXX, they are using Ditech 's website, which is very strange - nothing has changed there. 

I called the 800 number and got a customer service rep and asked for status, then paid the past due amount in full on XX/XX/XXXX. Immediately Ditech issued another statement stating that I owe the default amount. This isn't right. It should currently be paid up. They also sent me a large package stating my account is in default.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I demanded updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your absence of reply, or responses which I categorize as frivolous, you have dishonoured FCRA regulations and my request for verification. If you request to correct this dishonour, I will give you one further chance to correct your faults and update my records. Please CORRECT the accounts, as they are already amended from the other bureaus. You have 30 days to CORRECT these accounts listed below : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously filed a complaint with XXXX  that XXXX & USAA are reporting inaccurate information complaint # XXXX. Incredibly and clearly wrong, XXXX  claimed I disputed the XXXX n & USAA 's accounts before, that my dispute is identical and I have not provided additional information.This is not true and proves XXXX  NEVER looked at the documents I provided, never conducted the proper investigation if any investigation at all and flat out lied. I provided XXXX  with documents directly from the IRS confirming both XXXX  and USAA filed a 1099 form _ Cancellation of Debt, for the accounts I have disputed, way back in XXXX. Without ever updating the way those debts are being reported to XXXX, XXXX  or XXXX. Both XXXX and USAA lied in all my previous disputes by not properly updating these accounts with the credit bureaus. The 1099 cancellation of debt form is unchallengeable as it has been filed, the IRS has the record this is a fact that is impossible to deny without lying. I am again attaching the proof. Additionally, USAA had to issue me checks to reimburse for overcharging me on interest from XXXX to XXXX. Meaning again the balance USAA was reporting and continually verifying as accurate, by their own omission was NOT accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Statement # 1 : XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Statement # 2 | XXXX  Inquiries XXXX | XX/XX/XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXX XXXX XXXX | XXXX XXXX, XXXX XXXX | XX/XX/XXXX XXXXXXXX XXXX  | XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  | XX/XX/XXXX XXXXXXXX XXXX | XX/XX/XXXX XXXX | XXXX XXXX, XXXX US SM BUS ADMIN ODA | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above 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 Statement # 3 : XXXX XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Statement # 4 | XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX XXXX | XXXX XXXX, XXXXXXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above 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 Statement # 5 : TransUnion XXXX XXXX XXXX | Account # XXXX | Balance : {$2200.00} In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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 Statement # 6 | TransUnion XXXX XXXX | XXXX XXXX, XXXX XXXXXXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX  XXXX | XX/XX/XXXXXXXX XXXX XXXXXXXX | XXXX XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXX XXXX XX/XX/XXXX XXXX | XX/XX/XXXXXXXX XXXX XXXX | XX/XX/XXXX In accordance with the Fair Credit Reporting act the companies listed above 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 All of these companies were notified in writing of the violation ( s ) and has not brought remedy to the cause.
Product: Credit reporting or other personal consumer reports

A serious problem has arisen with the XXXX credit cards XXXX, XXXX, XXXX, and XXXX that XXXX XXXX XXXX XXXX of chase XXXX XXXX I discovered has lied to me telling that scam XXXX also XXXX XXXX XXXX XXXX fake XXXX XXXX and XXXX working with XXXX fake degrees from XXXX XXXX. As doctor under License no. XXXX and TIN # XXXX and XXXX and now aware from complaint XXXX and XXXX XXXX. XXXX at Michigan XXXX XXXX XXXX that my personal information are used there by XXXX XXXX in an email I received from the XXXX XXXX XXXX XXXX. She lied because I am now informed through LexisNexis XXXX no. XXXX that the XXXX credit cards used in my name are from XXXX XXXXXXXX and those assign claim numbers are XXXX and XXXX all still unpaid, below? 


Why did XXXX XXXX XXXX XXXX?
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT LISTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME, PLEASE INVESTIGATE THESE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT FOR THEY HAVE TARNISHED MY CREDIT FILE AND NAME. THESE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT.