23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

I had a legal name change in XXXX and another legal name change in XXXX with a divorce back to my former name. I want the credit report to be in my current legal name and show the other name from XXXX as an also known as name. I have spend 2 years trying to get TransUnion to correct my name on my credit report. The only accounts I have have been reporting my credit in my current and correct name. TransUnion says they can not change my name, but I have to have the creditors report it to them. All the open accounts have reported as my current legal name, yet TransUnion continues to insist on refusing to have my current legal name as the primary name on their credit report and continue to use at the AKA name as primary. I am concerned that other persons with my former name at my former address may have the opportunity for identity thief. I do not want an old AKA name as the primary name. TransUnion continues to refuse to correct my personal information saying it is the responsibility of my creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Discover Bank - XXXX I was the victim of fraud. I was unaware the card was being used and charges were on it. I spoke to Discover once the matter came to my attention. I advised them it was fraud and they advised the item would be removed. I even went as far as paying the charged off amount because I didn't want a bad relationship with Discover even though I was the victim. Discover is refusing to remove the matter off of my credit report, even though the amount has been paid in full, even though it was communicated fraud occurred on the account. At this point I'm being nailed to cross for a matter that I had no hand in and the company has been made whole, in full, with the payment of over XXXX that was remitted once I was made aware of the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account.
Product: Credit card or prepaid card

XX/XX/XXXX Received account letter from KeyBank in prior legal name of XXXX. I have a legal name change. I further contacted KeyBank for the 3rd time ( I kept notes. 1st time on XX/XX/XXXX, 2nd on XX/XX/XXXX ) to close this inactive account in the wrong legal name of which the new card mailed was never even activated by me. I contact KeyBank and was informed that I can not close a prepaid benefit account and that it must be handled by the benefit provider ( who in this case is WV XXXX XXXX XXXXt Bureau ). I again contacted the WV XXXX XXXX XXXX requesting the KeyBank account be closed again this year. My children are all adults and there will be no need for any future services. The account has had a zero balance since XX/XX/XXXX. WV XXXX no longer services the KeyBank account as their vendor has changed. No funds will ever be deposited to the benefits account as confirmed on the WV XXXX XXXX XXXX website and the funds are not transferable to their new vendor. I do not want an open account in my name that further contains my personal information in case there is ever some sort of breach of KeyBank. It should not be this difficult to close an account that is stale for this long! There should be a policy protecting individuals and inactivity of an account should not be left open for fear of fraudulent activity that could somehow occur with an account I no longer monitor or even have access and I no longer have the actual account card in my possession but have been unable to CLOSE the account myself.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXX XXXX XXXX : # XXXX : XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX : # XXXX, XXXX  : # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than 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.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act Chase has violated my rights under 15 USC 1681 section 602 states I have the right to privacy under.Under 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open and consumer plan as late for any purpose.
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. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX are all in violation of 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following Items of information Any other adverse item of information. other than records of convictions of crimes which antedates the report by more than 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've requested my accounts be verified with the 3 credit bureaus ( Equifax, XXXX and XXXX ), and I have not gotten a response of any investigation. It has now been almost 2 months. With 2 sets of letters that went out a month apart. After the letters were received by one of the bureaus my credit card was reported with high utilization and being late which is false and my score dropped XXXX points. This is a violation of privacy and a violation of the FCRA Laws. It is really causing me a great deal of stress. I have a XXXX XXXX child that I can barely take care of because I can not get the extra funding to provide for her. I've had XXXX  XXXX and XXXX XXXX XXXXXXXX and I am in pain. I don't have a car anymore because I can't afford it due to lack of funds from lost wages. I can't get a loan to help with any issues pertaining to my medical condition or my child condition. The actions of these bureaus are ruining my life and when I did try to dispute and described the inaccuracies plus the inconsistencies, I was slandered. Equifax really did me worst then the other two bureaus. My accounts were updated by all the bureaus without any investigation carried out and from what I've recently learned from the FCRA laws this is unlawful and definitely unethical practice. I keep track of every letter and every phone call because I know and they know that this isn't right. I called Equifax and the representative told me that the accounts will be removed. Early that week my score dropped XXXX and after that call which was the next day my score dropped XXXX more points. I've disputed addresses that were not mine and XXXX is the only ones that actually took the addresses off. This is a violation of : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violations of The Fair Credit Reporting Act ; and 4. Financial Injury In accordance with The Fair Credit Report Act My rights has been violated under : 15 U.S.C 1681 section 602 A. States I have a 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. 

The accounts in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

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.

I submitted 15 disputes in 12 months to the credit bureau that my name was incorrect, the accounts were paid and not updated as well as additional inquiries showing on my account after I sent a police report that my information was used fraudulently. 

My name is XXXX XXXX XXXX with address XXXX XXXX XXXX XXXX, NC XXXX. My social security number is XXXX. 

The incorrect information on my credit file is the following : XXXX XXXX XXXX XXXX XXXX The incorrect addresses on my credit file is the following : XXXX XXXX XXXX XXXX, NC XXXX Incorrect info on my file : XXXX XXXX  Acct : XXXX Account was paid in full and should be removed XXXX XXXX XXXX XXXX Acct : XXXX Account paid in full and should be removed. My child is XXXX years old and case closed when he graduated XXXX XXXX. 

Inquiries that are unauthorized, please remove : XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file Factual Data XXXX XX/XX/2020 ; XX/XX/2020 ; XX/XX/2020 I did not authorize them access to my credit file. 

XXXX XXXX XXXX XX/XX/2020 I did not authorize them access to my credit file
Product: Credit card

Chase decreased my credit line on my SLATE card via an email in which I could not submit a reply or dispute to. I have NEVER been late paying you AND ALWAYS pay the minimum payment. I have money in my CHASE CHECKING and BANKING alone to pay the cards in full and it is insulting this was done to me. Furthermore, I did not authorize you to check my credit. 

Increase my credit line back where it was.
Product: Credit reporting or other personal consumer reports

My mortgage is with XXXX XXXX XXXX. I contacted the company because I could not make a payment in XX/XX/. I was approved for a XXXX payment plan on XX/XX/. Instead of my original monthly payment plan, I am making additional payments until the account is paid up. Well, they are reporting my account to the credit bureau as delinquent. This is not correct. I have an approval letter from their office with a payment plan. I have called several times to try to rectify the problem but keep getting the run-around. Please help!
Product: Credit reporting or other personal consumer reports

I did not authorize or recognize these inquiries on my credit report, i humble ask they be removed immediately under code 15 U.S 1681 ( n ) NAME OF INQUIRY : 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
Product: Vehicle loan or lease

I currently have an auto loan with Ally Auto Finance, a subsidiary of Ally Bank that I am trying to refinance, I had the refinance bank send a check over to an address that an agent at this Ally Auto provided and requested the check be mailed to. The check was received and signed for by an agent of the bank on XX/XX/2019 ( XXXX tracking # XXXX ). After a few days and increasing concern, I checked-in on the status because the amount had not reflected, after spending minutes over the phone, I discovered the check was just sitting there, no one had bothered to send it to the processing center. Ally Auto claimed it was the wrong address and would send the check over to the right address. They asked for XXXX days for the check to reflect, however, today is XX/XX/2019, and the bank has reverted to its old position of claiming they can not find the check ( {$17.00}, XXXX ), " give it a few more days ''. 
The bank has a call center located in the XXXX and it is extremely hard for them to comprehend simple requests that are made of them. The agents in the XXXX do not have access to much information and can not solve real issues. 
I had to refinance my car in order to get my mortgage loan approved, else, I start paying fines/fees come Wednesday XX/XX/2019. I stand to lose $ XXXX in downpayment money and applicable fines if I do not go to settlement by the agreed upon date. 
An alternate solution will be to have the refinancing company send another check to them and cancel out this one. However, that will take more days I do not have and can not afford. I have had to pay the full amount owed on the vehicle out of pocket. Ally Auto Finance misplaced the refinance check. They practice an inefficient system of receiving checks at one state then forwarding it to a different state for processing. There are two problems with that. The first is that it takes several days to move from point A to point B once they have received the check at point A. The second problem is that they don't track the checks from point A to B. As a result they were unable to tell me where the check was for 10 days and I ended up having to pay over {$16000.00} out of pocket.
Product: Debt collection

Afni, Inc has placed a collection on my credit profile claiming that I owe {$76.00} to XXXX. I have NEVER had an XXXX  account. I've mailed letters to this company TWICE and have not received one single reply. This company is tarnishing my credit worthiness for no apparent reason.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX Equifax admitted they had a breach more than a month prior to XXXX XXXX, XXXX. For 41 days my intellectual property ( IP ) were exposed to and was unaware of potential identity theft during that time. Equifax gathers personal private intellectual data also known as sensitive financial data on consumers payment history then sells that data to banks, insurance companies, potential employers, landlords, and government agencies in the form of consumer credit report. Better known as a credit report as a result of Equifax data breaches. The Fair Credit Reporting Act, 15 U.S.C subsection 1681 ( " FCRA '' ) is U.S. Federal Government legislation enacted to promate the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to protect consumers from the willful and/or negligent inclusion of inaccurate information in their credit reports. To that end, the FCRA regulates the collection, dissemination, and use of consumer information, including consumer credit information. Together with the Fair Debt Collection Practices Act ( " FDCPA '' ), the FCRA forms the foundation of consumer rights law in the United States. It was originally passed in 1970, and is enforced by the US Federal Trade Commission, the Consumer Financial Protection Bureau and private litigants.
Product: Debt collection

I was contacted by Diversified Consultants dbs DCI on XXXX/XXXX/2016 regarding a XXXX Bill. I spoke to a woman by by the name of XXXX who told me that I was able to set up a payment agreement. I did not want this reported on my credit report so therefore I inquired about a settlement agreement. She told me that I was able to make XXXX payments of app XXXX and the debt would not be reported on my credit. On XXXX/XXXX/2016 I received an alert that information had been added, so once I go check, I see not only did they do an inquiry on my credit without my permission but they added the same debt 4 times on my report causing my score to significantly drop. I immediately called the company back and after multiple calls and emails they call me back on XXXX. i spoke to XXXX and informed her on what was going on and she tells me that I had a certain time frame to pay the bill. I said well why was that not told to me before making the settlement because had I known, I would have taken care of the debt prior to then. She places me on hold and her supervisor, XXXX, comes to the lines and tells me that it will remain and that an update will be made. I informed him that these are unfair practices and this is not what was explained to me when I set up the agreement. The stance of the company is that they are not removing it and will continue to collect on the debt, which is unfair to consumers who are making efforts to pay their bills. I was never made aware of any time frame and it was never stated that the debt would be reported. As I look as review about this company, XXXX other people have had the same complaint with this shady business.
Product: Prepaid card

I have had accounts with PayPal since XX/XX/XXXX. The first in XX/XX/XXXX the second was canceled due to a problem with an order I sold on eBay. I had another issue with PayPal in XX/XX/XXXX and another in XX/XX/XXXX. I was under the impression that these were cleared up since I was able to open up a PayPal account under my same social security number that I used for the other accounts. I have had the newest account for several years now with no problems. Last week I sold several items on eBay and I was then told by PayPal that they were restricting my account access and seizing my funds to collect on money they believe I owe from XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. The amounts they claim I owe is {$170.00} from XX/XX/XXXX, {$700.00} from XX/XX/XXXX and {$530.00} from XX/XX/XXXX. I lived in XXXX at the time and them I moved to XXXX in XX/XX/XXXX. There is a statue of limitations in XXXX for debtors to collect past debts of only 6 years, and in XXXX the statute of limitations is 3 years. The law is clear that they ca n't seize my funds after 12 years. If they do n't want to do business with me I completely understand but there 's a statute of limitations for a reason and it has long expired. The PayPal account in question is under the email XXXX. And under the social security number XXXX and under the phone number XXXX. They also canceled an eBay order I placed for a XXXX for {$560.00} and they seized the funds from that order. This is Illegal. Please help me to resolve these issues with PayPal. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been fighting with XXXX/Transunion/XXXX for the last four months trying to remove a bankruptcy that has been listed on my credit file that is incorrect due to me not filing any bankruptcy since XXXX.they continue to tell me that they verified this information however it is incorrect. they will not listen to any calls or documents sent certified. I finally had to take off wok to go to the Bankruptcy court to have them to review this info and do a investigation to see that I had not filed any bankruptcy. also listed on my credit report ( XXXX ) are XXXX tax liens that have been removed from the courts and does not contain the information that is required to keep listing this information on my credit ( Due to the new law effect XX/XX/XXXX ). it has been removed from the other XXXX credit files however XXXX will not remove this information after I have sent them proof that the XXXX claims does not carrier all the information such as ss #, correct address and dob. I have had these XXXX item withdrawn with the state of Georgia due to have them paid and following the guidelines to have them removed from my credit,
Product: Mortgage

Escalation for Flagstar not honoring modification with interest rate 3.25 % Flagstar loan # XXXX Housing Counselor XXXX XXXX XXXX XXXX HUD Certified Senior Housing Counselor ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX x XXXX Fax XXXX XXXX Issue : Homeowner has an executed recorded modification with an interest rate of 3.125 % that was recorded on XX/XX/XXXX that Flagstar is not acknowledging and appears to be charging 5.25 % interest to XXXX XXXX XXXX. 
Note : Flagstar has not honored XXXX XXXX HUD approved authorization deterring the assistance of a housing counselor. XXXX had to conference in XXXX numerous times to authorize and sent in the authorization numerous times. 


Note : there were a lot of issues to finally remove the deceased husband of XXXX, XXXX XXXX with approximately 4 sets of documents being sent for signature and has finally been successful. Each set of documents were different with partial claim or a combo ALM recovery modification and different interest rates that finally resulted in just a stand alone partial claim as XXXX had been requesting all along because she could afford to resume the payments and she wanted to preserve her interest rate of 3.25 %. 

Attachments : *Executed modification recorded on XX/XX/XXXX with 3.125 % interest rate *Executed partial claim recorded on XX/XX/XXXX from a work out for an FHA covid  forbearance *Mortgage statement dated XX/XX/XXXX Summary of events : XX/XX/XXXX Flagstar does not have XXXX authorization on file for the 4th time. XXXX spoke with supervisor XXXX who advised to email it again and to send to XXXX XX/XX/XXXX Flagstar found XXXX authorization on file & XXXX in loss mitigation spoke with XXXX. She sees the XX/XX/XXXX recorded modification with 3.25 % rate. Escalated to supervisor XXXX who now understand the issue. XXXX sees the previous escalation that was not previously escalated and will escalate again. 
XXXX said that past charges were based on the 5.25 % interest rate and will get it corrected. 

XX/XX/XXXX XXXX spoke with XXXX who said that the executed modification from XX/XX/XXXX with 3.25 % interest is what the homeowner has been charged and has not been overcharged. 

XX/XX/XXXX spoke with XXXX who said the interest rate jumped to 5.25 % and that there was another modification showing 3.25 %. XXXX is submitting to processing and borrower is being charged 5.25 % rate. 

XX/XX/XXXX Spoke with XXXX  who has the recording # XXXX for the XX/XX/XXXX modification so she escalated to her supervisor. 2nd time to escalate from XX/XX/XXXX. Supposed to be resolved by XX/XX/XXXX but never was. 
Note : each call takes at minimum 1 hour having to explain it with each transfer.