23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do a verification on my credit report, and they did. But did my own research and found improper actions on my credit report. 

XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

i believe the accounts listed are results of wrong doing of your company 's job which caused me Defamation, Negligent Enablement of Identity Fraud, Violations of the Fair Credit Act, Financial Injury.
Product: Debt collection

I received a email from a lexington law firm below and also a copy is attached to this complaint. I felt I was contacted improperly contacted. Threatened to contact my employer to garnish my wages and the sheriff to come to my home. My name was not in the email- just a threatening message of contact I have not received before. No one has sent me anything in the mail. I check my mail everyday and weekly. I keep all mail in case something like this happen saying they tried to contact.me. I have not in this lifetime received received any form of contact or mailings from this scammed credit repair law firm. A real law firm will not call due to law official telling everyone to be aware of scammers who ask for personal information or want credit card information to pay for a debt over the phone.     The email will be attached to this case I was not able to attach above
Product: Vehicle loan or lease

On XX/XX/2023, Id been in the process with Navy Federal of getting a Letter of XXXX XXXX that I could move forward with the sale of my vehicle. I provided all the information that the Navy Federal requested to proceed with this process and cooperated fully. I explained that I was trying to complete the sale on that day ( XX/XX/2023 ) due to the possibility of me not having time throughout the rest of the week to go through with the sale of my vehicle. I was told that the process might take some time, but the possibility of my receiving the letter on XX/XX/2023 was doable. Around XXXX XXXX, I spoke to a representative in XXXX XXXX  regarding my Letter of Guarantee to see if it would/could be processed that day. Id also explained that I was at the dealership, and they were waiting for the letter to complete the sale. I understood it couldnt be done that day, but the representative told me my Letter of Guarantee would be available that day ( XX/XX/2023 ). She told me to check my email and the Navy Federal e-message for the letter within the hour. I hung up and waited for the letter but did not receive the letter at all. On XX/XX/2023, I called back to find out what happened to see why I hadnt received the Letter of Guarantee yet. Id further explain that I might not have the same time to complete the sale if the letter was not sent promptly. I still have not received the letter at the time of this CFBP submission, and I am still waiting. I was told false information from the last representative I spoke with in XXXX XXXX  on XX/XX/2023. If this process could not be completed on that day, she should have relayed that information so that I could have done something outside the expectation that Id receive the letter that day. Im very unhappy with the customer service, deception, and inconsistency.
Product: Debt collection

On XX/XX/2019 I received my first bill from XXXX XXXX XXXX Hospital for {$2200.00}. I have made payments on their online system of {$300.00} every month since receiving the original bill. 

XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} XX/XX/2019 {$300.00} I received a statement in the mail dated XX/XX/2019 stating that I had overdue balance of {$1000.00} and the balanced needs to be payed on or before XX/XX/2019. 

I went to pay balance online on XX/XX/2019 and the outstanding balance listed is {$0.00}. A highlighted portion of the page indicates " You currently have accounts in bad debt collections. Please contact customer service to make payment arrangements on those balances. '' I contacted customer service on XX/XX/2019 to try to understand what is happening. The rep indicated that my balance had already been sent to a collection agency and that there was nothing they could do even though I have been paying monthly installments of {$300.00}. The rep indicated because I did not schedule those payment amounts with XXXX XXXX that the balance has gone into arrears. The rep said I should have received a letter from the collection agency as it was sent to them on XX/XX/2019. The rep gave me the telephone number of the collection agency as I could not pay off my balance through XXXX XXXX. Keep in mind that the statement indicates I have until XX/XX/2019 to pay off balance and not have it reported to the credit bureau. 

I contacted the collection agency on XX/XX/2019 who said I should have gotten or would be getting a letter to pay the arrears amount. I indicate I had not received any communication from them. I used my credit card to pay the balance plus a {$5.00} fee for using the credit card to XXXX Hollis Cobb on XX/XX/2019 in the total of {$1000.00}. 

I should not have my credit score effected when the statement indicates that I have until XX/XX/2019 to pay the balance.
Product: Payday loan, title loan, or personal loan

I started receiving calls from XXXX Franklin Financial located at XXXX XXXX XXXX, XXXX, SC XXXX on XX/XX/2022 stating that I cashed a check that was delivered to my old address at XXXX XXXX XXXX XXXX, SC XXXX. I have not lived at that address in over a year and it's even on my driver 's license and my current bills show my new address. I asked for a copy of the check and the signature did not match mine at all. When I asked what account was it deposited to, they couldn't tell me. I have now been served by the XXXX XXXX XXXX XXXX for a lawsuit against me made by Franklin Financial. I have been looking for a lawyer.
Product: Credit reporting or other personal consumer reports

There may be individuals with similar or identical names, or creditors may have entered my information incorrectly. Regardless, these variations and addresses are not correct historical data and must be removed promptly.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account RADIUS GLOBAL SOLUTIONS 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 an account without my written instructions.
Product: Mortgage

Back in  XXXX  Of   XXXX   I missed the first mortgage payment in about 2 years due to a financial hardship. I missed  XXXX ,  XXXX   XXXX    XXXX   making a payment in  XXXX    XXXX  .     I applied for a Modification and tried to work with them ( Nationstar Mortgage ) receiving no answer back until about  XXXX    XXXX   when I was served with a foreclosure order ( I was never actually served Live ). I hired an attorney (  XXXX   XXXX   ),  who has tried to get me  XXXX  modification and other plans ( though he dropped the ball on certain matters  ).      Basically they said, incorrectly that my loan could not modify because they ca n't lower my payment. I have the ability to continue payments, however I am being constantly denied based on an alleged   XXXX   XXXX   requirement that they must lower my payment Because I am actually making quite a bit more in my new job ( which they are aware of ) I am able to pay even more if necessary, and Nationstar ( at this point ) will not even request a waiver of any such " requirement/guideline ''.     If you can Help me, let me know.  XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have over 42 inquiry on my credit reports with all 3 reports.
Product: Debt collection

This account from Credit Control XXXX for {$170.00} is created out of error. I do not owe this amount and they keep verifying the debt but I am unaware of this debt.
Product: Credit reporting or other personal consumer reports

I told the Experian, XXXX, and XXXX to reinvestigate these accounts : However, they stated evervthin " " `g was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly. 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 instructons 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 tan 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 if the person knows or has reasonable cause to believe that the information is inaccurate modity accounts tat isnt reporting correcuy. 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 ZA instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the followina items of information Anv other adverse item of information. other than records of convictions of crimes which antedates the report by more than seven vears. 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. Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case. 
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: Debt collection

Oliphant calls my job twice a day every day for months now.
Product: Debt collection

XX/XX/XXXX two family members, two friends were contacted about my credit debit. However I was not contacted. 
XX/XX/XXXX- offered to make payment of {$80.00} on XX/XX/XXXX XX/XX/XXXX was told I refused to make payment on XX/XX/XXXX even though I stated during the phone call I agreed to make payment on XX/XX/XXXX and was told I would be taken to jail and sued by their attorney if I didnt pay in full. Then got hung up on.
Product: Credit reporting

The cable account closed from XXXX is wrong, I moved out from that apartment since 2007, did they use the cable account in the next tenant or something like that?, please investigate. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX are all reporting inaccurate information regarding XXXX accounts in collection on my credit report. XXXX XXXX XXXX Account XXXX, and XXXX XXXX XXXX Account XXXX are claiming I owe them an alleged debt which is not mines. I have tried to resolve this directly with the bureaus but they have not correct my report by removing these fraudulent accounts that are being reported without my consent. I demand that this inaccurate information be removed immediately. According to 15 USC 1681i ( A ) ( 1.A ) they must remove the misleading information while under investigation. These debt collectors are harassing me by sending me letters in the mail saying I owe them for a alleged debt that is not mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

TODAYS DATE:XX/XX/XXXXXXXX, XXXX XXXX SOC SEC XXXX XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX XXXX FL XXXX XXXX  XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX  XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX   XXXX  XXXX XXXX Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX   system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in Cushman v TransUnion, Stevenson v. TRW ( Experian  ), and Richardson v. Fleet, Equifax  et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXXr system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 



XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX  XXXX, XXXX XXXX XXXX, FL XXXX
Product: Credit card

Card was unlocked on XX/XX/2024. Locking the card involved logging into the online account and selecting the card be " locked '' so no charges could be authorized and used as a method to prevent fraudulent charges On XX/XX/2024, the card was reactivated and purchases were pending. After review, one purchase on the card was fraudulent. 

I called the credit company to report the fraudulent activity. I inquired to why and how the card was reactivated to accept charges. 

Capital one agent insisted capital one did not reactivate the card and the agent was unable to provide an explanation. 

As I did not authorize the card to be reactivated, I am submitting a complaint to investigate capital ones security measures of protecting my financial information. Once the reactivated, fraudulent activity showed on my account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a response to a dispute that I made under FCRA 611 ( a ) regarding an erroneous item on my credit report involving a transaction with : Account number : XXXX - Original Creditor : ACCEPTANCE NOW It saddened me to learn that you somehow Equifax verified the disputed item, electing to leave it on my report. I am certain that the item I disputed is incorrect and should be removed, so I tried to my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my disputes and have gotten NO response and the erroneous item is still on my report. 

Note : ACCEPTANCE NOW was removed from my XXXX  report on XX/XX/2021! 

I am very interested to learn how Equifax 's investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with proof of my signature ; including all names and contact information of employees that Equifax spoke to as part of this investigation.

I am asking for this verification because my credit score is important to me, and I believe it is being unjustly degraded because of this unfortunate error. Therefore, I request that they DO NOT send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of Equifax via email, fax, mail and on the phone with a representative.
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  XXXX **** XXXX : {$0.00}
Product: Debt or credit management

I am a XXXX for almost 8 years and I have been spending my times in and out of XXXX for every other XXXX. This time I arrived at XXXX XXXX and not too long after I got mails from frontline asset strategies that I needed to pay {$25000.00}. Going through when the account was opened I was in XXXX throughout the entire COVID 19 pandemic and could not possibly be in 2 places at a time. I called up and informed them that I never had any bank credit card from XXXX XXXX and I am not the one that opened the account. A heated argument ensued the agent was very dismissive of my argument and thereafter I asked her to go to any length to prove that I own the account. The response sent to me was to submit an FTC report and this is what I am doing now
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have 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 XXXXXXXX XXXX XXXX ) XXXX- XXXX XXXX ) XXXX XXXX- XXXX 15 USC 1681 Section 602 A , states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

with reference to complaint no XXXX, i have made a complaint on comenity capital bank regarding the wrong debt that was collected from me. The company responded on XX/XX/2023 saying that the applied monetary relief of {$190.00} against my account number. But this statement is wrong. I had to pay an amount of {$240.00} approximately to clear the balance as it is hurting my credit score. I made the balance XXXX  by paying my own money and also requested the bank to close the account. I was informed couple of times that the account was closed. I am not sure how Comenity can apply a relief to a closed account? I think the bank is not committed to resolve the issue and making false statements. I would want them to send me a check for {$240.00} i paid and also offer me a compensation of {$5000.00} for all the trauma they have caused for wrongly effecting my credit score for about XXXX months now and making false statements on applying credit to a closed account.
Product: Mortgage

In XXXX XXXX XXXX Nationwide Mortgage Bankers offered me financing terms for a mortgage to meet my XX/XX/2022 closing date. Somewhere along the line they realized that they could not deliver what they have offered and instead of being upfront and truthful, they stringed me along for almost 6 weeks ; constantly delaying, lying and creating unnecessary issues, all in hopes that I would walk away on my own initiative. Within less than 2 weeks of losing my Earnest Money, Inspection cost and everything else I have invested, I decided to quickly use another bank to close the transaction so that I do not lose what Ive already invested. With such short timeframe and increasing interest rates environment, I was forced to accept an interest rate that was almost 2 times greater, a down payment that was 10 % higher and almost {$3000.00} higher points. I am a real estate agent and a real estate investor for the past 15 years and would have never under normal circumstances purchased an investment property under the financing terms I ended up accepting. 

Throughout this time frame ( XXXX through XXXX ), as I rightly became annoyed and persistently pressed My Broker ( XXXX XXXX ) for an explanation as to what was delaying the progress, he became very unprofessional, disrespectful, uncaring and unsympathetic to the stress and fear of losing my earnest money, that I was going through. XXXX XXXX began to ignore my calls/texts/emails for days/weeks, and whenever he did respond it would be some open ended nonsensical remarks, such as I am in a lot of meetings I spoke to his immediate supervisor, XXXX ( I can not remember his last name ), he too seemed helpful initially but ultimately disappeared. I went as far as to write a letter to Nationwidewide Mortgage Broker CAO ( XXXX { Can not remember his last name } ), but he did not bothered to respond. 

This company and its practices really need to be looked into. I saw similar reviews about them, but unfortunately I used them before I checked the reviews.
Product: Vehicle loan or lease

A finance officer named XXXX is repeatedly using my credit cards on file to pay on my car loan without my permission. The last time was XX/XX/2018. I've talked with XXXX and his manager Ms. XXXX and this unauthorized practice is still occurring. For the past year I've been making payments on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the company twice to solve the issue without any look. They are the one responsible my credit exposure to outside hackers. First I called the companies who went into my credit without my authorizations and wrote several letters to remove the unauthorized credit checks. Months of hard work, hung off and long wait frustration and no result. 

Equifax not only gave all my information away but not helped to solve the issue at all. Is a nightmare to work with this company trying several months and excessive hours calling here and writing with no result. 

Note I spent about at least 30 hours try to resolve this situation.
Product: Credit card or prepaid card

Once again, CITIBANK is avoiding the truth in how they mismanage accounts. I am DEMANDING CITIBANK provide a fully executed copy of the credit card agreement indicating the precise section within it where CITIBANK is permitted to cut a debtors credit limit to below the debtors current balance. 
In doing so, it makes it appear the debtor is in violation of the credit card agreement relative to having a balance over the card limit. 
I NEVER exceeded the limit placed on my card. CITIBANK arbitrarily reduced this limit in an effort to place the card into collection status. 
This allowed them the minimum amount of feigned effort in working with an unemployed American not eligible for collection of ANY state or federal financial assistance.

This behavior by CITIBANK represents complete consumer fraud and I will expect this document in my effort to restore the credit damage placed on my once stellar credit profile. 
My suspicion is that due to my surname and being a minority, CITIBANK chose to consider me a credit risk in spite of my past decades of responsible credit use.