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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX SSN : XXXX XXXX : XX/XX/XXXX RE : You Violated The United States Code Law 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report. 
As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state. Also, we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney Generals Office, XXXX XXXX XXXX and Federal Trade Commission. 
XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX | XX/XX/XXXX : Account number : XXXX, Please remove it from my credit report. I have no recollecon of authorizing this credit pull and I demand this to be removed. 

XXXX : Account number : XXXX, Please correct/update this inaccurate informaon on my credit report. To the best of my knowledge, this account has never been paid late. 
Your reporng is completely inaccurate, and it is ruining my credit. You must update this account and delete the inaccurate informaon immediately. 

XXXX XXXX XXXX AZ XXXX : Account number : Address, The following personal informaon is incorrect. This address is not correct. Delete it immediately from my report. 


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

I have been trying to correct XXXX  experience etc. for two years now. I was notified by experience that I was on the dark web and that my identity has been compromised my Social Security number had been compromised I just received another notice of that on or about XX/XX/XXXX. I contacted them about them giving me extra security on my account I think freezes on my account I put alerts on my account nothing has been done by Experian or any of the other credit reporting agencies theres like 30 inquiries that I did not do that is ruining my credit theres charges on there that I havent done and Ive disputed them again everything I can do.
Product: Credit reporting or other personal consumer reports

I OBTAINED A FULL COPY OF MY CREDIT REPORT AND NOTICED CREDIT INQUIRIES I HAVE NOT AUTHORIZED. IVE CONTACTED TRANSUNION BEFORE VIA PHONE ADVISING THAT SOMEONE WAS ACCESSING MY CREDIT REPORT AND I HAD NOT AUTHORIZED ANY OF THESE ACCOUNTS OR TRANSACTIONS. 

I SEE INQUIRIES FROM CREDITORS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I ALSO NOTICED ON MY XXXX REPORT INQUIRIES FROM CREDITORS : XXXX XXXX, XXXX, XXXX, AND XXXX XXXX. I HAVE ALSO CONTACTED XXXX PREVIOUSLY VIA PHONE. 

I HAVE THE RIGHT TO PRIVACY AND NOR DO I HAVE KNOWLEDGE OF THESE INQUIRIES, I HAVE NOT GIVEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED AND THIS IS IN VIOLATION 15 USC 1681B ALSO FURNISHING ANYTHING DUE TO IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2
Product: Checking or savings account

Had a irs refund deposit {$3300.00} returned on XX/XX/XXXX as it had my name and my wife 's name on the return. My name is on the account. They claim that it was returned because my wife 's name was also on the return. There's no policies in place at chime for this matter. As for chime they said there's nothing they can do. I asked to file a complaint and was told good luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 

We've talked to the bank & they've agreed to update the account. BUT TransUnion has some internal block which they're claiming they can use to not update the account because they feel they're above the law. When questioned why they're not accepting the dispute letter they claim they have an internal policy ( which is OUTSIDE FCRA laws ) & they're unwilling to explain why they won't accept the dispute letter ( which is a FEDERAL LAW ). So TransUnion feels they're above the letter of the law & will not explain their policy... 

XXXX  XXXX XXXX Date Opened : XX/XX/2019 Balance : {$2000.00}
Product: Credit card or prepaid card

I GOT AN ALERT FROM XXXX XXXX XXXX OF A NEW CREDIT CARD OPEN ON XX/XX/2023 IN MY NAME, FROM ( COMENITY CAPITAL BANK, XXXX, OH XXXX XXXX XXXX XXXX. I tried contacting this bank on two occasions and was put on hole twice for over an hour. I have file a fraud case with XXXX. I have not applied for any credit with this bank.
Product: Credit reporting or other personal consumer reports

I contacted Chime Customer service on on XX/XX/year> to inform them that my account is still showing as open on my XXXX credit report. They state that my account is completely closed. They asked me to contact XXXX credit Bureau. I immediately end their call and contact XXXX whom informs me that Chime verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.
Product: Debt collection

My problem is with Stellar Recovery,  XXXX , MT In th  e last year, I disputed and had removed, an old collection account they had inserted in my credit report with  XXXX  of the  XXXX  credit reporting agencies.
In the last 30 days, the item that had preciously been delete  d suddenly was re-inserted again and showed up in my   XXXX   and   XXXX   credit reports.     I did not receive any notification of this action or a chance to dispute said item.   I immediately initiated a dispute with both reporting agencies.     It is my understanding that re-insertion of an already deleted item is counter to the existing consumer laws and that at least, they must removed it immediately, and at   best, I may be entitled to compensation for the breach.
I would like to register a formal complain against Stellar Recovery for their recent a  ctions
Product: Credit card or prepaid card

I recently acquired a new credit card from Avant issued through XXXX. I made the first payment ( XX/XX/XXXX ) via the Avant app without issue. On the second month, I tried to make a payment online via the Avant website of {$200.00}. Upon receiving the email confirmation of the scheduled payment for the same day, the payment amount was incorrect. It showed a pending payment for the full amount of {$850.00}. I immediately called customer service to advise of the incorrect payment showing in the system. The representative advised due to payment being the same day, they were unable to cancel the payment and and that I had to call my bank to stop the incorrect payment. 

I called XXXX XXXX XXXX XXXX and was advised they would try to stop the pending payment ; however, it was not a guarantee that they could stop it as it wasn't showing in their system yet and not sure of how Avant would submit to the bank. The {$850.00} payment in XXXX was not stopped and cleared the bank and posted to my Avant account. I was not happy but it was paid. In XXXX, I tried to again make a payment by the due date of the full amount due - {$1900.00} on XXXX. I was advised by XXXX XXXX on XXXX that this payment was now stopped due to the previous request of stop payment. I was not aware of a XXXX  day timeframe even if they were not able to stop the payment. XXXX XXXX removed the request and advised they were not able to rerun the payment, that I needed to call Avant and ask to have the payment rerun. I called on XXXX and spoke with several representatives to try to get the payment rerun, they forwarded me to their payment center and I was advised that they could not rerun the payment as the {$1900.00} was showing posted in their system and would not allow for another payment as the total balance was cleared. I repeatedly advised that I did not want to have the payment show as a late fee due to the system issues but the representative advised that the payment showed paid before the due date of XXXX and should not be any issues. I received notification from Avant on XXXX that the payment returned and I needed to make another payment. I paid another payment on XXXX and Avant updated the payment again, charged a {$28.00} late fee and refused to waive the late fee even though I tried to make the payment in good faith before the due date. I submitted a late fee waiver and was declined. This company will not have any supervisors call back or answer a call and will only advise to email their card resolution department.
Product: Mortgage

XXXX XXXX XXXX Loan Number - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX To whom it may concern, I'm filing, still yet another complaint with you, in the hopes that Mr. Cooper will finally address/resolve the issue of Compliance on my mortgage. 

I've been trying to resolve this matter with them for over a year now. In XXXX of 2019 I submitted direct questions to Mr. Cooper, regarding the validity of our mortgage - whether or not it was within Federal compliance guideline law - and still have yet to receive answers to any of the concerns, other than them claiming that they have already addressed these issues. Had they done so, I wouldn't still be asking the questions. 



In XXXX, we reached out to the Illinois Department of Financial and Professional Regulations and, on a conference call with Mr. Cooper on XX/XX/XXXX, the Director of the Department of Anti-Predatory Lending stated that it was clear that the loan does NOT appear to be within compliance guidelines. 



On XX/XX/XXXX, I re-submitted the direct questions that were asked during that conference call - which were not answered - by Mr. Cooper and have yet to receive a response. PLEASE SEE ATTACHED DOCUMENT WITH SPECIFIC QUESTIONS. 



At this time, the pay off balance on my mortgage is roughly, 200 % loan-to-value and double the original loan amount. All we're asking for - all I've asked for, for the last year, is for Mr. Cooper to properly recapitalize arrearages from a previous modification and, if warranted, provide a principal reduction so that I can modify my loan one last time and be finished with this entire process. I'm getting zero cooperation from Mr. Cooper and in response to our XX/XX/XXXX request for answers, Mr. Cooper has assigned a new sale date to our file, instead of answering the questions. 



I've attached all supporting documentation, along with a copy of the specific questions that we are asking Mr. Cooper to answer. We are prepared to move to a legal option, if necessary, but would prefer to resolve this amicably. 



Thank you for your assistance.
Product: Credit reporting or other personal consumer reports

After visually checking my three credit reports, I have discovered that the following credit scores are being reported from all three credit bureaus. XXXX  report my score at # XXXX, XXXX report the score at # XXXX and Equifax is reporting my score at # XXXX. As you can see Equifax score is XXXX nearly XXXX p0ints lower than the other two bureaus. I tried to get an answer to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of fraud and the account in question is not mines. 

Chex systems  : XXXX/account # : XXXX Amount : XXXX Date : XX/XX/2017
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX  XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX  ( XXXX Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Student loan

I was originally in the XXXX program and was automatically switched to XXXX by the government in XXXX  Even though I have been in the XXXX program, making all required payments with the government subsidy for the interest my required payment didnt cover, and then the forbearance, interest has still been accruing and added to my overall balance. I have made several phone calls with Aidvantage and even though they confirmed I have been in save and have received letters stating that there will be no interest accrued or capitalized, it has been and continues to be. After my last phone call which took over an hour, my questions were not answered, the person had to keep placing me on hold because they had to check with someone because they were not sure. The information I requested was not provided either. However, the documents that I have prove that interest is still accruing and being capitalized.
Product: Debt collection

This is not a refusal to pay an alleged debt! CREDIT COLLECTION SERVICES claims that I am obligated to pay them an alleged debt associated with account # : XXXX. CREDIT COLLECTION SERVICES shall provide me with the original instrument of indebtedness ( signed contract ) or proof that it still exists. If CREDIT COLLECTION SERVICES can not provide the original instrument or proof that it still exists, then CREDIT COLLECTION SERVICES shall send me an original statement affirming that CREDIT COLLECTION SERVICES did not sell the original instrument because if CREDIT COLLECTION SERVICES didn't sell the original signed instrument of indebtedness ; then CREDIT COLLECTION SERVICES should be able to produce the original instrument or note. Only the holder has the right to collect on an instrument and an instrument is not a typed or printed statement or payment history that lacks a signatory. I will pay the alleged debt when CREDIT COLLECTION SERVICES produces the original instrument or proof that it has not been sold, which proves that I am obligated to CREDIT COLLECTION SERVICES. Also please produce the trilateral contract between me ( consumer ), XXXX XXXX IN CO, and CREDIT COLLECTION SERVICES that shows I agreed to do business with CREDIT COLLECTION SERVICES along with XXXX XXXX IN CO or on behalf of XXXX XXXX XXXX CO. Truth in Lending Act as well as the freedom of information act says I am obligated to have proof of the original instrument of indebtedness. Again, this is not a refusal to pay but instead I am exercising my federally protected rights as a consumer!
Product: Mortgage

My mortgage was switched to this Company in XX/XX/2019. I had a payment agreement set up with the previous company and was told that by Law Fay Servicng had to accept this agreement. I call my Account Manager, XXXX XXXX multiple times a day and He has returned 3 calls since XXXX. I have left many messages stating that now I no longer want a payment agreement, I just want to pay my mortgage, but I still get no response even when I am promised a call back. Im so afraid they are trying to foreclose on my Home. Please help me. XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

After a reinvestigation on XX/XX/XXXX Equifax reported a Chapter XXXX bankruptcy on my public record section of my credit report. Equifax reported that XXXX submitted the information. I have a letter from XXXX dated XX/XX/XXXX that states the bankruptcy has been removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MD XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX  XXXX Balance : $ XXXX XXXX Balance XXXX {$960.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX : {$690.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2600.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$710.00} XXXX, XXXX
Product: Credit reporting or other personal consumer reports

I have disputed the account XXXX XXXX  on all three credit reporting agencies for it to be removed. This account belongs to my childs father whom I have no dealings with. I have asked for it to be removed previous times and even sent documentation in to show his name is on the lease for this vehicle. The bureaus have CLOSED the account ( which it has been paid with a settlement offer ) instead of removing the account off my reports.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated.XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$46000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting or other personal consumer reports

This is purely identity theft. I do not recognize this account. This account damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX REMOVE THIS IDENTITY THEFT ACCOUNT ASAP!!! 

I will never stop filing complaints against you because I know my rights! 

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

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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: Debt collection

Santander USA is the orginal creditor for this acccount. THIS Is THE XXXX Debt Debt Collection Agency that has reported this information on my report. They have stated this account was opened XX/XX/2016, which is incorrect. According to XXXX you can not place this on my report when the statue of limitations have passed, by reinsert.
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 XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX XXXX # XXXX Account name : XXXX XXXX # XXXX has violated my rights. 


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, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made. It is the result of identity theft, CFPB please remove the accounts asap XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX XXXX, Chapter XXXX Bankruptcy XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX XXXX BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UTXXXX XXXX ext. XXXX Has been calling any person they think I know saying that I haven't paid a credit card bill and also how late I am and how much owed. The last person they called I have not been associated with in over 16 yrs, which was my child 's father. This is very embarassing to have my business told to someone that has nothing to do with my life and living situations.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXX XXXX XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete this account. 


3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.