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

In Accordance with the Fair Reporting Act. The list below has violated my federally protected consumers rights to privacy and confidentiality under 15 USC 1681. FCRA 605B ( 15 U.S.C. 1681c-2 ) FCRA 605 ( b ) Block ACCOUNTS : XXXX XXXX - Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXX XXXX XXXX XXXX 

Account number - XXXXXXXX XXXX XXXX XXXX Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX 
Account number - XXXX XXXX XXXX XXXX - Original creditor : XXXXXXXX XXXX XXXXXXXX Account number - XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported : XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. State I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states 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 in accurate.

15 USC 1681EB 15 USC 1681B 15 USC 1681 C-2 15 USC 1692g 15 USC 1681IS-2 15 USC 1681i 15 USC 1681b 15 USC 1681i 15 USC 1681b - 15 USC 1681IS-2 15 USC 1692g 15 USC 1681 C-2 15 USC 1681 BA2 15 U.S. CODE 1681e- 15 USC 1681 ( 2 ) ( a ) ( i ) Delete the above late payments from my consumer reports, this agency is in violation 15 USC 1681.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to remove this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete this immediately : XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX : XX/XX/XXXX Account number XXXX XXXX XXXXXXXX : XX/XX/XXXX Account number XXXX XXXX XXXX XXXX : XX/XX/XXXX Account number XXXX. 

XXXX of XXXX : Date, XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX Account number XXXX XX/XX/XXXX XX/XX/XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account Number XXXX. 

XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXX XXXX XXXX XX/XX/XXXX Account XXXX XXXX. 

XXXX XXXXXX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

XXXX XXXX XX/XX/XXXX Account number XXXX. 

Inquiries made on TransUnion by XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX. 

Inquiries made on my XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. 

These inquiry and accounts are fraudulent and are unauthorized. These accounts and inquiries are being reported fraudulently on my consumer credit report companies XXXX, TransUnion, and XXXX. And I am requesting and immediate Removal/Deletion from my Consumer Credit Reporting accounts . And i issued a cancellation and recessions that have yet been responded not to and I am also requesting a full refund for all accounts that took payments from my personal accounts. A full refund is requested immediately from all companies due to unauthorized transactions on accounts and fraudulent transactions that resulted in return payments and payment adjustments and closing of the accounts without my knowledge or consent. Companies fail to meet agreement terms and fail to protect my accounts.
Product: Credit reporting or other personal consumer reports

I am reaching out to seek assistance in resolving a critical financial matter that has severely affected my credit score and financial stability. The actions taken by XXXX XXXX and XXXX XXXX XXXX have placed me in a challenging situation that requires immediate attention.

Following the closure of all my credit card accounts by XXXX XXXX due to returned payments, my credit score plummeted from XXXX to XXXX, and subsequently further dropped to XXXX. This decline occurred in two significant steps - first, a decrease of XXXX points, and then an additional XXXX reduction. The situation was exacerbated when XXXX XXXX XXXX closed my bank account without notice, returning all credit card payments due to fraudulent charges stemming from a data breach that compromised my account.

These circumstances have caused considerable distress and financial uncertainty, leaving me in a vulnerable position. I implore your assistance and expertise to help rectify these issues and restore financial stability.

Your urgent attention to this matter is invaluable, and I am hopeful that with your support, we can navigate through these challenges and work towards a resolution.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, wi XXXX XXXX XXXXXXXX XXXXXX/XX/year> I am writing to formally dispute inaccurate information on my credit report that I believe is harming my financial well-being. I am aware of my rights under the Fair Credit Reporting Act and request a thorough investigation into these inaccuracies, as required by federal law. 

Recently, the Consumer Financial Protection Bureau filed a lawsuit against XXXX for its failure to properly investigate consumer disputes, citing " sham investigations '' and other unlawful practices. These practices, as outlined by the CFPB, include : Conducting inadequate investigations that fail to address consumer disputes properly. 

Reinserting previously disputed and inaccurate information without explanation. 

Failing to notify consumers about investigation results effectively. 

These allegations highlight systemic issues that directly undermine consumer protections and perpetuate the inclusion of inaccurate information on credit reports. I am deeply concerned that my dispute may be mishandled in a similar manner. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

*They have been contacting me more than once daily. harrassment is not acceptable and I am seeking my bill to be zeroed and continue to use the card. 

*They claim to have options to assist with payment but when I try to contact them with the link provided the call hangs up.
Product: Credit reporting or other personal consumer reports

Upon reviewing my recent credit report, I have identified discrepancies that require immediate attention. The company has acknowledged this error and has committed to remove the accounts. Other credit bureaus have already removed the accounts after the company recognized the inaccuracy of the accounts. I kindly request a thorough investigation into these accounts and prompt communication of the findings via mail. According to information available online, such disputes should be resolved within 30 days. Therefore, I expect to receive your response within this time-frame. 

DEPT OF EDUCATIONXXXX XXXX, DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX XXXX DEPT OF EDUCATIONXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous items listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/XXXX ; but I never received a response from them. These items must be investigated and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I have a secured chime credit card that I put money on and use and it pays the bill ever month well some how there system had a glitch and it reported the money that I use on the card wich is my money that I prepay on it is that Im in debt allmost XXXX XXXX to chime bank and I dont owe them a penny but some how the money that I put on the card has gone on my XXXX XXXXXXXX report like Im XXXX it debt to chime and I owe them nothing Ive reached out to both chime and the credit reports to fix but have not and it lowered my credit nearly XXXX points
Product: Debt collection

Dear SOURCE RECEIVABLES MGt XXXX XXXX  XXXX {$1100.00} :???? 
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit card

Although this in a similar complaint to the previous one, it came to light after the company had responded that this was actually discrimination based on my country of origin. 

The company required a verification process that required you to have previously filed a tax return in the United States, and did not provide an alternative process for those customers who did not originate in the United States. When they were unable to verify my details because of this, they made a discriminatory business decision to close my account. 

On complaining directly to Discover, they confirmed this is the process and refused to escalate the matter. Credit has therefore been discriminated against due to my country of origin.
Product: Money transfer, virtual currency, or money service

Fraudulent transactions cant contact customer service and they dont have a phone number to speak with customer service.
Product: Mortgage

I have reason to believe my previous mortgage lender, NewRez LLC/Shellpoint, failed to file a release of lien after I refinanced with a new company on XX/XX/2020, and now, because of their negligence and disorganization, the impending sale of my home is jeopardized. 

When I called NewRez on XX/XX/2020 to inquire about the missing documentation, I was told by one employee that the lien release paperwork was initiated on XX/XX/XXXX, but he could not provide me with evidence to support this claim, nor any updates on why it was still pending. He suggested it must be an error on the county end, and I asked for a copy of whatever they sent to the county, but he could not provide me with anything. 

On XX/XX/XXXX, we checked with the county, and there had been no communication from NewRez regarding my property. During a call on that same day, a different employee found and forwarded to me a strange document they claimed was proof they initiated the loan, but many of the dates were random and incorrect ( it was signed in XXXX, but I didn't start the refinance process until the following fall ). Then, on XX/XX/XXXX, I was told by a yet another employee that the process was ACTUALLY started on XXXX XXXX -- which, suspiciously, is the same day I first called the company to ask why the lien hadn't been released. 

When I asked for someone to draft up a new copy so that the title company handling the sale of my home could file it with the county themselves, I was told that no one in NewRez customer service has the ability to create documents, but that I had to go through the lien release department -- who, conveniently, have no phone numbers and take days to respond to emails. I finally received a response from the lien release department today XXXX XXXX XXXX ) and was told that they ALSO can not draft up this documentation, as they are waiting on an unnamed " external vendor. '' I was then given a payoff letter that does not include the reception number associated with my deed and is, thus, useless in the eyes of the title company. The letter also refers to an attachment which is mysteriously missing, and also has my name misspelled. When I asked for this to be corrected -- radio silence. 

I have spoken to at least three different supervisors, but when I call back on the main line ( the only contact option ) and ask for them by first and last name and extension number, no one is able to connect me with them. There appears to be no accountability for following up with customers, even when promised.
Product: Prepaid card

Received {$250.00} American Express Gift eCard on XX/XX/XXXX. I've received these cards in the past so I know they are tricky to use. I attempted to use as a payment method on my XXXX account several different ways. I put the card out as a card and I also attempted to load my XXXX gift card balance several different times. I also attempted to use on XXXXXXXX XXXX XXXX XXXX I've XXXX  all the things to try with these cards and truly give up. Over the course of several weeks, I was able to make a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. When small or large transactions stopped working on XXXX, I read you could reload in smaller increments, so I was successful in loading a {$9.00} XXXX gift card balance on my XXXX account. Since then, I have made dozens of XXXX purchases - I select this AmEx gift card, it appears to work and then XXXX switches to my credit card on file, saying they were unable to process. I've tried small and large purchases. These 'switches ' ( denials of AmEx ) on my XXXX account don't show up anywhere-as a denial on the AmEx transaction history, nor on my XXXX account. It is unbelievably frustrating and time-consuming trying to get this gift to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$60.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$330.00} ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is governed by 15 USC 1681, and they violated my rights numerous of times.

I demand the inquires below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to process these inquiries : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX ( XX/XX/2022 ) XXXX  XXXX ( XX/XX/2022 )
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 : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXX/XX/year> 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, credit repair services, or other personal consumer reports

Dated XX/XX/XXXX. Resurgent Capital Services - Cach, LLC., XXXX XXXX XXXX. Amount : {$4300.00}. 
I sent a certified letter to them verified my signature that I did business with them to no avail they would not send me any information with my signature. 

Dated XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, Amount : {$950.00} Same as above. 
Many letters were sent last year also, XX/XX/XXXX. These cases are very old I would like it removed from my credit report just by verifying my signature, Any help would greatly be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

On equifax.com, there are 2 collections on my credit report, {$89.00} and {$200.00}. they are not showing on my other credit report from XXXX   and XXXX these 2 accounts were paid off and closed at least 60 days ago. I filed dispute online with Equifax many times, and I also called this 2 collection companies, the collection companies said they sent over my closed account statements to equifax at lease 3 times. but now these 2 collection still showing my reports, and equifax customer service phone couldn't answer my call and I can not dispute these 2 collection online with them. 
Please delete these 2 collections from my credit report. 
thanks!!
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXXXX XXXX XXXX ) XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX  XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately 15 U.S. Code 1681b violation furnishing reports in connection with credit tractions not initiated by consumer XXXX XXXX XXXX XX/XX/XXXX Delete this item immediately
Product: Mortgage

Around XX/XX/2020 my loan file was transferred to XXXX XXXX at Benchmark Mortgage. Benchmark Mortgage is located at XXXX XXXX XXXX # XXXX XXXX, TX XXXX. Mrs. XXXX already had most of my file because she received it before. Immediately Mrs. XXXX directed me to 2 assistants to help. She almost took herself out of the picture instantly. I thought that was strange. There wasnt any information that was requested from the assistants to me that caused a delay but IRS transcripts due to COVID-19. My loan officer refused to communicate with me. It was so bad that she didnt even tell me my first closing date set or discuss I was having a closing date. I was sent a text my the sales agent. Furthermore, when closing date arrive she didnt tell me or my realtor that it was pushed back. We were headed there and found out it was pushed back. I tried to reach out to Mrs. XXXX supervisor to report the discrimination that I felt was coming from the loan office and her incompetence in handling my loan. At this time I find out Mrs. XXXX took a vacation. She didnt say Im going on vacation you need to have this or this will happen etc. Im waiting on Mrs. XXXX to get back from vacation and realized its been a while. I checked on the home we were applying for and realized it was back on the market and my contract was cancelled on XX/XX/2020 and this was XX/XX/2020 when we were finding this news out. My realtor and I was not aware that this was happening or even a possibility. I contacted the XXXX XXXX to let him know that I felt discriminated against and the loan officer was incompetent the entire time she was handling my loan. Mrs. XXXX used a COVID-19 tragedy that affected my family as an excuse why she didnt want to bother me. However, this incident couldnt affect her actions at all because this incident occurred shortly before my contract was cancelled. Furthermore, that is unfair for her to make that call by assuming that. Why would I want to be homeless and going through personal family issues. She then said she called twice but didnt want to keep calling me. Again she didnt have the right to make a call like that and not take to me a out issues with my loans and give me the opportunity to correct or explain any issues. I pulled my phone records and have no VM or missed called from Mrs. XXXX. I experienced discrimination for who I am from Mrs. XXXX/Benchmark from the beginning and I know its because of who I am. Her incompetence in handling my loan caused me to lose the home. These actions are unfair and I just. I had a right to know everything about my loan and if it was any issues. I had the right to be given the opportunity to supply was was needed or give and explanation. I was suppose to be treated unfair for who I am and discarded of like trash.