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

* This is not a duplicate complaint * XXXX XXXX XX/XX/2023 Experian XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Subject : Formal Dispute Regarding Discrimination and Antisemitism - Account : # XXXX XXXX XXXX XXXX  Dear Experian Consumer Relations, I am writing to bring to your attention a matter of great concern regarding my credit report, specifically in relation to an account under the name XXXX. I have recently filed disputes with Experian concerning this account, expressing that it is not mine and disputing its negative impact on my credit score. 

My credit score, which was previously in the XXXX, has inexplicably decreased to XXXX as of XX/XX/, despite no new negative information being reported. I find this decline both perplexing and unjust, as it is impeding my ability to secure loans for crucial endeavors such as home, automotive, and business ventures. 

I have diligently and repeatedly disputed the accuracy of the XXXX account, filing complaints in XX/XX/, XX/XX/, and XX/XX/. During these disputes, I communicated to Experian representatives that this account is not mine and is significantly impacting my financial prospects, resulting in loan denials. 

It is disheartening to note that, despite my efforts and communication with Experian, the matter has not been adequately investigated. The continued presence of the XXXX collection on my credit file is detrimental to my financial well-being and has created barriers to my pursuit of financial freedom. 

I must express my deep concern that these actions may be indicative of discrimination and antisemitism. As a consumer, I rely on credit reporting agencies to act impartially and ensure the accuracy of information on my credit report. It is disconcerting to believe that such actions may be motivated by factors beyond the objective assessment of creditworthiness. 

I am seeking a prompt and thorough investigation into this matter, as well as the removal of the inaccurate XXXX account from my credit report. I trust that Experian will address this issue with the urgency and gravity it deserves, ensuring fairness and integrity in the credit reporting process. 
I've filed FTC complaint # XXXX and was told to forward this to include a new CFPB complaint. 

I appreciate your attention to this matter and look forward to a swift resolution. 

Sincerely, XXXX XXXX
Product: Debt collection

Penn Credit ( previous case XXXX ) is attempting to collect a debt again that is not mine. I have gone thru this over and over numerous times over several years. Every time I challenge them, they can not prove the debt is mine and they remove from my credit for a few months and then try again. I currently only have a debt collection letter from them. How do I stop these repeat attempts?
Product: Debt collection

The company XXXX has issued a debt collector, CBCS, to collect on a false debt that has already been paid for. I purchased a ladder from their website online and have records of payment and receipt, they do not ship a ladder unless it is paid for, so there is absolutely no reason for them to try to collect on a debt that has already been paid for. I then got letters from a debt collector indicating I still owe for the ladder that I already paid for. The balance is {$230.00}, but I already paid this and should not even be seeing this debt. I already sent proof of payment to the debt collector and told them I am disputing the debt, while they only replied to me a letter indicating the bill of which I have paid for. Again, you can not get merchandise from this website unless you pay for it, so there is absolutely no reason why I am being billed for a ladder I already paid for.
Product: Debt collection

I have been disputing with Diversified Consultants, Inc against this inaccurate and unverified collection account on my credit reports. I have sent letters informing them that I have no knowledge of an account with them and sent debt validation letters to each collection agency for proof and evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay the alleged debt to them. I have attached most of those documents that I have sent to them. I have yet to receive any response from them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of any alleged debt a business says that I owe it. It also states that upon receiving this validation letter, one must cease from collection calls, letters, and efforts and delete the account from my credit files until the debt can be validated. This is a clear violation of the FCRA. Also, the bureaus have been reporting collection agencies own the same accounts. With XXXX, as of XX/XX/XXXX, it shows that XXXX XXXX XXXX XXXX XXXX owns XXXX XXXX at {$360.00}. However, XXXX, as of XX/XX/XXXX, shows that Diversified Consultants collection agency owns XXXX XXXX at {$360.00}. It is a violation of FCRA law to report various inaccurate and unverifiable collection accounts owning the same accounts with different balances within the same 30 day period. I have included pictures of my credit reports to verify my claim on this. Please help me get these inaccurate and unverified accounts deleted from all three major bureaus and collection agencies. I have been fighting with them about these accounts for over three months.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a federally protected consumer I am aware of my rights and i am constantly violated by TransUnion, XXXX and XXXX. Ive called multiple times to remove these accounts from my credit repost if they can not verify these accounts they have violated 15 USC 1681i ( 5 ) ( A ) ( i ) if 30 days past and information isn't verified it must be removed. -Sent dispute letters XX/XX/XXXX and still have errors on my report. 15 USC 1666b late payments from open ended credit plans cant be reported. -Dispute was to remove the late payment which wasn't late but still have not fixed it. 15 USC 1681 ( B ) must have written permission to furnish on my behalf. -Reported multiple items without written request from me 15 USC 1692k ( a ) ( 1 ) allows for any action of damages. -Have n't been able to purchase a house due to error on my consumer report. 15 USC 1681 ( a ) ( 4 ) right to privacy. -Did not give consent to repost items to consumer report. 15 USC 1681 ( b ) must follow reasonable procedures. -Sent out unfreeze letter to TransUnion multiple times and still wont unfreeze my account. 15 USC 1681a ( 2 ) ( B ) if transaction authorized by social it can not be reported. -Items was reported that i used my social to obtain. 15 U.S.C 1681n ( a ) ( 1 ) ( A ) failure to comply will result in XXXX for each violation.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 section 602a ), it is imperative that consumer reporting agencies like XXXX and XXXX operate with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to safeguard my private information, as outlined in 15 USC 6801. Financial institutions, including furnishers of information to credit agencies, are obligated to protect customer privacy according to Congress ( 15 USC 6802b ( c ) ). 

However, I have not given my consent for XXXX, XXXX, or any furnisher of information to credit agencies to share my data. The law ( XXXX5 USC 1681 section 604a ) states that consumer reporting agencies can furnish a consumer report only with the written instructions of the consumer. I have never provided such consent, verbal, non-verbal, written, or implied. Furthermore, according to 15 USC 6802 ( b ) ( c ), a financial institution must inform the consumer about their right to opt out of data disclosure, which the furnisher failed to do in my case. For multiple Accounts Moreover, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in a consumer report without authorization, especially if it antedates the report by more than seven years. XXXX and XXXX are violating this provision by reporting adverse items without my permission. 

Additionally, under 15 U.S. Code 1681s2 ( A ) ( 1 ) A, it is illegal to furnish inaccurate information to consumer reporting agencies. XXXX and XXXX are also failing to maintain reasonable procedures as required by 15 U.S. Code 1681e, which mandates consumer reporting agencies to prevent violations of the law.

Lastly, according to 12 CFR 1016.7, I have the right to opt out of reporting services at any time. Therefore, I am choosing to exercise my right to opt out and revoke any consent given, explicit or otherwise, for XXXX, XXXX, and any furnisher of information to credit agencies to share my personal data.
Product: Mortgage

The Bank of America ave us a schedule of payments and then they changed them by sending monthly notices shown different amounts. Sometimes they were higher and sometimes lower.We always paid the scheduled amount. As a result in some cases we underpaid and some we overpaid The overpaid money went to pay down principle and the underpaid amounts were given a late charge. We paid all these extraneous over charges separately. We want back the amounts paid to principal immediately and while they keep sending us statements I have no proof that they returned the money to me that was used to pay down principal. Because of this I may not have enough money to pay the regular mtg payment Thank You
Product: Debt collection

I have a loan on my credit report that has been sold to AFNI from a company called XXXX XXXX. I contacted AFNI and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.
Product: Vehicle loan or lease

the car was repo with out a court order under the 15 usc 1692f i should have recieved papers an signed them, an after they sold the car i still owe the same amount i never even gotten the paper work saying my car was sold
Product: Debt collection

Capital one is reporting an alleged debt on my consumer reports however, when I ask for proof by sending me the credit card agreement / truth in lending disclosures bearing my signature they deny it. This clearly means that they are violating federal laws as they can not prove that the debt belongs to me. Both the Fair Debt Collection Practices Act and Fair Credit Reporting Act are being violated by this company. Additionally I asked for an authenticated record of the account and a copy of the right to opt out disclosures and I have yet to receive a favorable response ( i did not receive a response ). This is a huge violation of my right to financial privacy of my nonpublic information. I also requested other things, please see attached.
Product: Credit card or prepaid card

XXXX XXXX XXXX has charged me {$280.00} in unjust fees on a {$300.00} credit limit secured credit card. While I have been paying my bill from a employer allotment ( {$200.00} paid to date ), XXXX  hasn't been counting these allotments payments and have only been applying them as credits. As a result {$280.00} in late fees ( interest not included ). I have disputed this but I haven't received anything but more fees after each dispute. I would like to pay off my card and raise my credit limit but not if it's for a credit card that I'm paying and can not use. I would like these fees all credited back with an increase on my limit to make things right.
Product: Vehicle loan or lease

I was a co-signer for a car that after signing the paper work I found out that Santander stated they did not need paystubs to verify if the person could afford payments. I called them to report that the car dealership had made up paystubs and that's when Santander stated no paystubs needed. Well the person defaulted and I ended up taking the car as of XX/XX/2020. I have been making on time payments since. My issue is that when a balance gets lower so should the interest rates but that is not the case. Since XXXX the interest rates varies (? ). I called them today and they could not give me an answer for this. They are predators! Please see below the statements since I have taken over in XXXX. These people should be investigated for allowing false documents be overlooked just so they can make money and victimize innocent people.
Product: Credit reporting or other personal consumer reports

I have provided the necessary documents and information to Trans Union and XXXX XXXX regarding an unauthorized account reporting on my credit file. Trans Union and XXXX XXXX still has yet to provide me with the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish an account without my written instructions and or permission. 

INQUIRIES : XXXX / XXXX XXXX : XXXX / XXXX BUSINESS TYPE : PERSONAL LOAN DATE OF INQUIRIY : XX/XX/2021 XXXX / XXXX, has violated my rights based on the above sections so stated within the Fair Credit Reporting Act. Additional I do not recognize such inquiry.
Product: Debt collection

Original claimed collection started by another company, it was communicated that the amount is unknown and invalid and to substantiate the original bill, this was not done and passed on to this company after it was communicated the bill was in dispute.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( Transunion ) credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint.

I am filing this FTC Identity Theft Affidavit to report 2 fraudulent accounts appearing on my consumer FICO Transunion credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of an Auto Loan opened at XXXX on XX/XX/XXXX under the account number XXXX, and a Collection account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 

All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit card

While booking a flight on aa.com, I was presented with a banner to open a Citi AAdvantage card with the following terms : - Spend {$1500.00} and receive XXXX AA miles- Receive a {$400.00} statement credit toward AA purchases I clicked on the banner and was approved for the card, which I then used to book the flight. However, on my first statement, only a {$200.00} statement credit was applied. I called Citi and was told that the offer they had on file had a {$2000.00} spend, {$200.00} credit and XXXXXXXX AA miles. 

Through many phone calls, online chats, and emails, I attempted to get Citi to rectify this problem. I showed them that the offer I responded to was STILL being advertised on aa.com. At various points, I was told to email someone or that it simply could not be changed. I find this unacceptable, deceptive, and evasive. 

Others continue to experience this exact same bait-and-switch, such as this blogger and the many people who have replied with similar tales : XXXX XXXX XXXX-citibank-XXXX
Product: Checking or savings account

I made a deposit through XXXX intended to be sent to my family and it was a fraudulent account. The transaction was on Friday, XX/XX/XXXX to the following number ( XXXX ) XXXX.
Product: Student loan

Company is Navient- it appears a student federal loan went from a Sallie Mae loan to a private loan loan with Navient , This occurred in XXXX. I participated in payments only due to a verbal agreement with XXXX  daughter. Navient insisted I was the co-signer so I agreed to payments until my verbal agreement was met. The first conversation I had with Navient or any lender was XXXX. I asked them to send all paperwork to me regarding this loan. None was ever received.Iin XXXX I made every loan payment and my verbal agreement with XXXX  daughter XXXX was met. In XXXX of XXXX I got aggressive with Navient made many calls and sent letters. I finally received bre minimum pperwork. The first was the Sallie Mae Signture Loan application with a signture which was intended to be mine. The second was a payment sheet which showed every payment I made and thousands in fees called capitalization. In a phone call a worker advised me that it was noted that I was not to receive ny pperwork? I called from the fraud team to prove my signture. Their feel reply was I was denied because I never sent them a fraud police report on the matter. From XXXX till XXXX there was no fraud. I was. XXXX XXXX XXXX XXXX XXXXn XXXX XXXX XXXX XXXX. XXXX  resident in XXXX XXXX. If its true I was not to be told nothing why wasnt that paperwork included. Therefore not one notification from either Sallie Mae or Navient was ever sent to me or that paperwork would have been included. Navient is not and has not acted propriety with this matter. I will file any paperwork or file an active complaint If NECESSARY. Thank You
Product: Credit reporting or other personal consumer reports

I tryed to dispute it multiple times it show close on my credit but was never removed from off my credit it still on there the company name is XXXX XXXX I also tried to contact them and tell them they told me to contact XXXX /EQUIFAX ,
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 6058 ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX # XXXX XX/XX/XXXX Balanced owed {$1800.00} XXXX # XXXX XX/XX/XXXX Balanced owed {$850.00} The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed that ADVANTAGE CREDIT/XXXX  have placed an inquiry on my XXXX credit file dated XX/XX/2022. On multiple occasions I requested ADVANATGE CREDITXXXX and XXXX to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer, natural living person. I am not being coerced by any third party or agency. I am submitting this complaint with my own free will and I am aware that my personal information is being used fraudulently and I am demanding to have this information blocked from my consumer report. Enclosed will be the FTC report as well as dispute letter for the account to be blocked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer am aware, all consumer reporting agencies, must follow reasonable procedures pursuant to 15 U.S.Code 1681 ( b ). The reasonable procedures listed in the affidavit herein were not followed and this a violation of 15 U.S.Code 1681 ( b ). I filed a complaint on XX/XX/2022 ( XXXX ) due to the illegally furnished accounts on my consumer report by TRANSUNION. Again, I gave no form of written instructions to accept, furnish or report any information on my behalf. This is considered identity theft. I, the consumer am aware the term identity theft as described in 15 U.S.Code 1681a ( q ) ( 3 ) and Regulation V 12 CFR 1022.3 is a fraud committed or attempted using the identifying information of another person without authority. It has been more than 30 days since this complaint was filed, per Exhibit A. Notice, it is a fact after 30 days if the information can not be verified, or if the information is found to be inaccurate or incomplete, the information must be deleted, modified as complete and accurate. The information associated with 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 is still reported inaccurately and illegally in my consumer report before the investigation and shown in my consumer report after the investigation. This information should have been deleted and I should have been notified of this deletion. This is a violation of 15 U.S. Code 1681i ( 5 ) ( A ) ( i ). I demand to know the persons who certified this information otherwise remove all the accounts listed. It is a fact, affiant is aware, each requirement of the FCRA which Transunion fails to comply with, holds the company liable for {$1000.00} per action and pursuant to 15 U.S.Code 1681i when an investigative report is prepared, no adverse information in a consumer report may be included in a subsequent consumer report unless the reported was verified. Each month this false information was incorrectly verified making TRANSUNION liable for each consecutive reporting shown in Exhibit B-J.
Product: Credit reporting or other personal consumer reports

I am reaching out to highlight my serious concern to EQUIFAX about certain details in my credit profile which include these unauthorized inquiries. It seems there might be inaccuracies, and it's crucial to maintain compliance with credit reporting laws, which emphasize the necessity of entirely accurate credit information.I have attached as well my FTC report with the report number XXXX to support this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and this account is reporting as an open account as of XX/XX/2021 today is XX/XX/2021
Product: Credit reporting, credit repair services, or other personal consumer reports

My first savings credit card balance is being improperly reported on all 3 bureaus. My report shows a balance owed of {$470.00} but my actual Balance is {$4.00} see attached doc.