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  account # XXXX, XXXX XXXX XXXX account # XXXX, I looked at my Equifax 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

I sent a letter on last XX/XX/2023 to remove the listed items below that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again. 
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: Vehicle loan or lease

First National Auto Fleet, out of XXXX XXXX, in XX/XX/2021, sold a vehicle to me which was financed through a lender but was impounded less than a week into my having the vehicle because it was stolen. I am a resident of XXXX and XXXX XXXX XXXX pulled me over after driving the vehicle home from XXXX, and impounded my vehicle for me never to see it again. I gave First National Auto fleet {$XXXX} down for this vehicle and immediately made them aware of the issue. The used car dealer refused to resolve the issue even after being told that they would be required to buy the loan back from the bank- as per XXXX XXXX XXXX. This finance company claims to have contacted them through their dealer services department but states there was no response. I have recently requested information related to this dealer 's surety bond, to file a claim and the dealership told me they weren't giving me a " XXXX '' thing and requested that I stop calling. 

As a consumer who diligently provided very personal information, a good amount of down payment and fulfilled every part of the contract from my end should not be left with having a dealership who is participating in commerce in a very underhanded way. I had no idea that I was purchasing a stolen vehicle and the dealership should be held responsible for not returning my down payment, for refusing to assist me in securing another vehicle and for refusing me information about their surety company - and of course, for selling a stolen vehicle. I have pursued this issue for quite some time to no avail and am seeking assistance in recouping the down payment I provided and holding this dealership accountable. This stolen vehicle also reported to my credit for some time - making it very difficult for me to secure another vehicle through financing. Dealers in XXXX should not be allowed to continue business if they are selling stolen vehicles to consumers without their knowledge, only for the consumer to be left with the burden of rectifying a bad sale.
Product: Mortgage

Hi, I am shopping for refinance for one of my houses on XX/XX/2021. I have 2 mortgage with Wells Fargo Bank so I thought to check if refinance would save me money on monthly payments. 
I was talking to Mr XXXX XXXX ( NMLSR ID XXXX ). He pulled a hard credit check without my consent and without me providing my SSN on phone or the application. I assume Wells Fargo would have my SSN but they should legally ask for me for my consent since I wasn't committed for loan I just wanted to enquire about the rates. 

Initially it appeared to me that they are doing soft credit check without SSN but they went ahead and did a hard enquiry what mysterious to me is that at no point I provided my SSN This is significant breach of common assumed protocol and its predatory lending to lure people to get business and this should be investigated. 

When I countered the agent he said he has no idea how it would happen and blamed me for it for my residential status. Since all the calls are recorded this conversation should be investigated. Big banks are too powerful and they think they can get away with whatever they want. The information of the agent I was talking to is below. 



-- -- -- cut -- -- -- -- -- XXXX XXXX XXXX XXXX Consultant NMLSR ID XXXX Wells Fargo Home Mortgage XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Ext : XXXX Fax ( XXXX ) XXXX XXXX -- -- -- end -- -- --
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXXXXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. 

XXXX XXXX {$1000.00} USDEPTED XXXX {$3500.00} XXXX XXXX {$4200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$5800.00} XXXX XXXX {$920.00} XXXX   XXXX {$1200.00} XXXX XXXX XXXX   XXXX {$33000.00} XXXX XXXX   XXXX {$430.00} XXXX XXXX XXXX XXXX {$610.00} XXXX XXXX XXXX XXXX {$180000.00} XXXX  XXXX XXXX {$2500.00} XXXX XXXX XXXX {$11000.00} USDEPED   XXXX {$2500.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$9400.00} BANKRUPTCY CHAPTER XXXX-DISCHARGED XXXX {$0.00}
Product: Bank account or service

In the last few days ( XX/XX/XXXX through XX/XX/XXXX ) we have gotten 5 calls from a number identified on the caller id as citibank:XXXX. The caller asks to speak to my father, an elserly gentleman. When pressed as to what the call regards we are told he owes {$500.00}, or the caller hangs up. He owes no such amount nor does he have an account with citibank. I am reporting this because the calls are a nuisance and harassing. We wish to report this phone number as a scam. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. 

The payment history on this account XXXX BANK XXXX is completely inaccurate. 
The date of last activity is different across all three consumer reporting agencies. 
The high credit amount is reporting on XXXX XXXX but not Equifax or XXXX. 
Attached you'll find a screenshot of the trade-line displaying the inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Respected Sir, This is regarding Credit Report displayed information is inaccurate and incorrect. 
Information in the Credit Report XXXX XXXX XXXX XXXX : Collections : XXXX & XXXX Account No XXXX XXXX. Amount Owed {$150.00} XXXX. Placed in Collections XX/XX/XXXX XXXX. Last Verified Date XX/XX/XXXX I do not recognize this company and the information. No Verification performed. I requested all Credit companies to delete this collections company information. But this information never deleted. 

In Accordance with the Fair Credit Report Act this company violated my rights. 

15 U.S.C. 1681 Section 602 A 1 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.

Kindly delete the account. 

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

I have been disputing a charge ( {$600.00} ) from XXXX XXXX. since XX/XX/XXXX. The charge was for a phone plan that I did n't agree to, that charges me for every toll call. After noticing this mistake, a manager named XXXX ( extension XXXX ) reversed these charges and put me in the correct plan. A timeline of my complete history ( names, dates, XXXX XXXX, Legacy ) with this account will be uploaded and was sent to Experian Credit Reporting at the time of my first dispute.
My XXXX XXXX Credit card did an investigation and XXXX XXXX XXXX accepted my dispute and credited me the charges. This form is also going to be uploaded.
XXXX and Experian had reported XXXX as a charged off account. I disputed these charges and will upload the results of their investigation and reinvestigation. Experian actually said on theXX/XX/XXXX results that " we are unable to use it ( the documentation I provided ) to make changes or deletions you requested ''. I called Experian in late XX/XX/XXXX and told XXXX, and mentioned to him about the refusal to use my documentation. He said " Oh, you did n't have a contract with them ''. He said he will re-dispute this based on an ownership issue. He kept the same Dispute number as before.
Report number XXXX- ... ... .. with Experian was emailed to me with the results on XX/XX/XXXX. Experian came to the same conclusions, so I called them up and all they could say was to call XXXX.
A reinvestigation by XXXX came up with the deletion of my XXXX account and my Credit Score reflected this. XXXX XXXX report will also be uploaded.
XXXX XXXX and XXXX have ruled in my favor and after 2 attempts, Experian has come up with a different conclusion. I would question the process Experian went through to come to different conclusions.
Thank you,
Product: Credit reporting or other personal consumer reports

I was trying to purchase a new home, so I decided to check my credit report, I then realized that I had damages on my credit report and accounts that were not recognizable to me/ accounts opened I have no knowledge of. I reached out to each bureau to notify them that there was information listed that was fraudulent and were from an alleged identity theft. 

According to the 15 U.S.C 1681c-2 law a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Amerifinancial Solutions representing XXXX XXXX emergency med has me down for a medical collection in the amount of {$710.00} from XX/XX/2016. Since I have never received any services or have been nowhere within 200 miles of said business this is a fraudulent charge. I feel this is extortion. I have impeccable credit but I refuse to pay for something I do not owe.
Product: Student loan

First, there is no way I can find to contact MOHELA right now -- they never answer the phone and I can't find any other way to contact them. 

MOHELA says I owe over {$430000.00} on three separate loans. My FSA account says I only owe about {$240000.00}. The information does not agree. What is the true amount? 

XXXX split my XXXX loan into TWO parts is what XXXX told me. Then XXXX told me MOHELA would have to fix it. I should be getting some form of XXXX or XXXX, due in part to spending most of the time since XXXX in some kind of forbearance or hardship deferment, but if the XXXX  forgives only {$240000.00}, will MOHELA still bill me for " the rest? '' I would like the information to at least agree. 

By the way, I " only '' borrowed around {$130000.00}, the rest of that balance is interest capitalized from spending years and years in forbearance. XXXX kept me in forbearance for at least ten years in a row from XXXX through XXXX. I'm in the XXXX program and have been public servant since XXXX.
Product: Mortgage

I have a mortgage with Plaza Home Mortgage with loan # XXXX. I follow the instructions on their website. Their website recognizes the information of my loan and it forwards me to the servicer. The servicer yourmortgageonline.com does not recognize the information of my loan, so I can not make the payment. This may cause 1-2 days delay. They will not answer phone calls in the weekend. 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

I purchased carpet in ~ {$6500.00} from Lowe 's at 0 % promotion for two years using Lowe 's credit card which is managed by Synchrony bank, the term of 2 years was ending on XX/XX/2021. I made regular monthly payments in last two years and brought the balance down to {$1100.00} in XXXX, XXXX. Somehow I thought my promotion was ending in XXXX, XXXX, but when I checked my online account on XX/XX/2021, I found out that I was charged {$2700.00} interest. I called the customer service and talked to an agent, she told me that if I make a payment of remaining Balance of {$1100.00}, the whole interest of {$2700.00} will be waived. I made the payment of {$1100.00} over the phone which was posted to my account on XX/XX/2021. But interest charged was still there, I called back and I was told again by an agent that interest removal request is still in the process and will take couple of days. I called again after the couple days, I was told again wait for few more days. I have called at least 7 times since XX/XX/XXXX and as of today this interest of {$2700.00} is still showing as an outstanding balance and agony is that they have charged {$63.00} on top of that by end of billing cycle. I called again yesterday and spoke with 3 agents, and supervisor and they still gave me the same message that this interest of {$2700.00} will be removed but they don't give me a definite date or timeline. This has created an unnecessary tension for me that charging {$2700.00} on {$1100.00} for a day is exorbitant amount of interest doesn't make sense and then it has been more than a month they have been telling me that it'll be removed but still haven't removed it and on top of that charging interest over interest. This is a blind exploitation and extortion against innocent consumers. Please help alleviate this tension for me, thanks.
Product: Checking or savings account

Chase closed my credit card and bank account for no reason other than I had overdrafted for a few days, I told them I would be having a couple large deposits ( XXXX and XXXX ) dollars coming in within the week at most. Now I have no idea how I can get the money out of that account. All of the reps on the phone gave me different answers. My credit score is going to be hit hard on this as well. Bank account was closed on the XXXX, credit card was closed on the XXXX of XX/XX/2019 2019
Product: Credit card or prepaid card

This is a new development on a prior situation. 

I've tried to work with Citi and HomeDepot on the whereabouts and origin of a purchase made which shows as {$17.00} late on my credit statement for some points between the month. I canceled the card as lost/stolen and you should've taken off the {$17.00} charge and you didn't, I disputed it long ago. I've said over and over that I had NOT ever received statements since I was NOT living at the address you apparently sent the bill to, and if you check the forensic online records, my entry to your system had never taken place. You can see screenshots now, that these cards were disputed as lost/stolen in the past, and I can't even change any of my account information. Your supposed notice is invalid and the charge/debt is also invalid. After talking with my husband, he said he is willing to say he must have taken the card to use that day and not had my permission and he is willing for citi or home depot to take the money straight from him. Therefore, I am now again disputing this charge as unauthorized. HD never checked his ID or his address. CITI already admitted that my address was wrong, and they had to change it to the correct address later and give me a new card to reflect the error and unknown whereabouts of the card. We believe that if you checked the cameras at home depot on the {$17.00} charge, it would not be me on the camera and this transaction is unauthorized.
Product: Student loan

I attended XXXX XXXX  XXXX XXXX XXXX XXXX, previously owned by XXXX and feel I have been scammed with taking out my loans. The amount I owe is astronomical and am having a tough time paying it back. 


XXXX XXXX XXXX XXXX  has already found significant evidence of misconduct by these schools. Specifically, XXXX XXXX  misrepresented job placement rates to prospective students between XXXX and XXXX, falsely claiming that 90 % of graduates secured jobs in their field of study within XXXX months of graduation. This claim, widely advertised in national campaigns and direct mailings, was later revealed to be grossly inaccurate. XXXX included old jobs held by mid-career students before enrolling and excluded graduates who found employment outside their field of study. 

At its peak, XXXX enrolled nearly XXXX students across campuses in XXXX states and through an online program accessible nationwide. The scale of this deception has left countless students burdened with unmanageable debt and limited opportunities, as documented in the XXXX  XXXX XXXX XXXX XXXX XXXX Summary and Statements of Facts
Product: Credit reporting, credit repair services, or other personal consumer reports

Update : XXXX took XXXX small action to address the Identity Theft related hard inquiries on my report. XXXX XXXX  TRANSUNION FAILED TO TAKE ANY ACTION WHATSOEVER. 




I have submitted a number of complaints here but I have been holding off on my complaints against the credit reporting cartel for some time now, simply because I dont even know where to begin.. XXXX, XXXX, Transunion and their executive branch, the Consumer Data Industry XXXX XXXX which XXXX them to skirt anti-trust and monopoly laws by calling itself an advocacy group and not the steering committee of an XXXX XXXX which is exactly what they are - a XXXX XXXX. How the XXXX is this industry allowed to continue operating??? They lose half the countrys PRIVATE personal data which we never consented to their having and selling, at least knowingly, and then when it is not accurate they make it IMPOSSIBLE to get them to correct it through any means- so your score goes down and the amount of work it would take to get it removed is more than reasonably plausible when co considering that efforts must be repeated at least XXXX or XXXX times across the XXXX plus XXXX. This is an extortionate business by design and they stole their boost credit idea from smaller companies who were doing the same thing except not just as a disingenuous XXXX XXXX. WHERE ARE THE CLASS ACTION CHECKS?! The gift of free credit monitoring, now expired, was frankly insulting, The damages awarded were pathetically inept compared to the scale of the crime and even that paltry obligation was not honored by XXXX. Or XXXX. I was impacted by both data breaches and have received nothing from either company except more abuse and defamation based on faulty data and a total lack of oversight or accountability. So my credit then being sub-prime -.I had to ask a LOT of different lenders for credit to find anyone who would work with me, resulting in a massive number of hard inquiries on my report, further lowering my credit score. Then, the XXXX refuse to investigate or remove even those inquiries you didnt authorize, even upon the receipt of a certified letter demanding such investigation. They straight up refuse to obey the law and make no effort to avoid destroying peoples lives whatsoever. This XXXX XXXX  must be SHUT DOWN!!
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. I have contacted Experian a number of times concerning this issue and have failed to get it resolved, I am concernec about the accuracy of the information being reported. And a number of violations under the Fair Credit Act against my credit profile. 
MY INFORMATION WAS EXPOSE IN THE XXXX XXXXXXXX XXXX, And I believe that Experian has made errors in reporting inaccurate accounts on my profile, XXXX XXXXXXXX XXXX # XXXX, Please verify this account. 


XXXX XXXX XXXX # XXXX, Please verify this account. 


XXXX XXXX XXXX # XXXX, Please verify this account. 





XXXX # XXXX Please verify this account. 
And In accordance with the fair credit Reporting act Experian has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : |t also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose. 15 USC 1 681e ( b ) for failing to follow reasonable procedures to assure accuracy, under 15 J.S.C. 1681i for negligently reinvestigating or correcting disputed information, and under 15 U.S.C. 1681k for failing to provide notice to persons of information reported about persons to third parties. 15 USC 1681s-2 15 USC 1681i ( 5 ) 15 USC 1681e ( b ) ( b ) ACCURACY OF REPORT 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, am a victim of the data breach and would like all accounts mentioned to be blocked and deleted pursuant to 15 USC 1681c- 2 ( a ). ''
Product: Credit reporting or other personal consumer reports

This is the same account with XXXX different balances. This inaccurate information falsely manipulated the statute of limitations. You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following my accounts. 
XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I was XXXX  for some time in the years of XXXX and I have not used credit for anything recently besides XXXX  and XXXX. XXXX helped me recently disputes multiple items I cant recognize I really need help with this issue of inquiries and and accounts on Experian XXXXXXXX XXXX XXXX