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

I've been in contact with this company as well as the credit bureaus to advise that information that they're reporting on credit report for 2 Navy Federal accounts. Once account number is XXXX and the other one account number is XXXX. I've been advising them that the accounts aren't mine, and they're reporting the accounts as Navy Federal accounts on my credit reports, but I keep getting collection notices from in the mail from XXXX stating that they're the creditor for these accounts. I never received anything from Navy Federal even after my letter to them. I sent letters to their P.O. Box address that they have listed on my credit report and also their direct physical address that they have listed on my credit report, and again I didn't get a response from them at all! How is it that XXXX  is stating they're getting responses from Navy Federal, but Navy Federal hasn't responded to me AT ALL???? There's no way possible that these accounts can have 2 creditors for each individual accounts. By law, only one creditor is allowed to report this account and that creditor must say XXXX since they're the ones trying to collect on this account. Please remove these inaccurate accounts from my credit report. XXXX  advised in the last dispute that they made that change, but that is also incorrect information. As you can see from the credit report attached to this claim directly from XXXX, the information still is reporting the same. This is a violation of my consumer rights and I will be taking legal action if this is not removed in this last attempt to resolve this matter. Also, if this account was closed and sold to a collection agency it shouldn't still have payment history reporting on these ; this is also a violation.
Product: Credit reporting or other personal consumer reports

GLOBAL LENDING SERVICES LLC Placed an unauthorized hard inquiry on my XXXX credit report without my permission. I did not authorize GLOBAL LENDING SERVICES LLC to check or request any of my credit information. This is fraud credit check inquiry.
Product: Debt collection

CAPIO PARTNERS LLC XXXX at # XXXX XXXX XXXX XXXX XXXX, TX XXXX has been sending me collection notices in the amount of {$600.00}. The collection has been reported as pasted due balance. I do not know this company I have never done any business with this company this company does not have a contact with my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX  Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX  Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX  XXXX Account Number : XXXX This is not mine. 

9. Identity Theft JPMCB CARD Account Number : XXXX This is not mine. 

10. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Was unaware they were charging to a credit card, because I didnt know I had one. Never signed up for one, was underage regardless. Whoever is calling claimed I signed up for a credit line when I was XXXX years old. Ive always had a PayPal account but never had a PayPal credit line. I have a credit card and debit card on my account which is what I always used to pay. They have called my step father and convinced him to give them his card to make payments on a credit line that is apparently mine? I always told him it must have just been scammers. But it is apparently much bigger than that. Theyve told him amounts I owe which I am unaware of. Also actually convinced him to make payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pulled up a copy of my credit report and seen there were some accounts that are not mines and will need them removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am also requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : XXXX XXXX XXXX XXXX XXXX reporting inaccurate amounts i provided information beforehand Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPPA does allow for limited information about me but anything more than to XXXX XXXX XXXX XXXX XXXX XXXX to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPPA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX  XXXX ( Original Creditor : AT T ) XXXX Balance : {$980.00} STATE OF MI OFFICE CHI XXXX Balance : {$53000.00} STATE OF MI OFFICE CHI XXXX Balance : {$8000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 XXXX XXXX XXXX. 

XXXX XXXX  XXXX Account # XXXX, XXXX XXXX XXXX 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 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 received an auto loan through Capital One Auto Finance in XX/XX/XXXX and consistently made my payments on time. During this time I went through numerous health issues, XXXX  and financial hardships but still maintained my obligation of consistent payments. 



On XX/XX/XXXX I purchased a new vehicle from XXXX XXXX XXXX and Capital One Auto Finance was contacted regarding a 10 day payoff amount. XX/XX/XXXX per the attached check Capital One received final payment for my loan. I called Capital One Auto Finance XX/XX/XXXX to confirm receipt of the funds and was told on numerous occasions that the check was not yet received ; in speaking to the representative I was informed that I would not receive a late payment reporting on my credit report because the check should be processed by end of month. 



I thought nothing else of it because on XX/XX/XXXX I received an email informing me my auto account was paid in full, however on XX/XX/XXXX via my credit monitoring service I was notified that my now closed capital one auto finance account was reported as 30 days late which dropped my credit score by nearly 100 points. I was reported 30 days late on XX/XX/XXXX the same day the loan was paid off. 



I am requesting that this late payment be removed from my credit file as it has significantly affected my credit record and payment was received prior to me being 30 days late and the end of the month which I was told by numerous representatives is the reporting day. I am purchasing a home in XXXX and this negative item could render that impossible, cancel my pre-approval and cause detriment in other credit areas. I have spent years working two jobs, sacrificing and paying off debt to rebuild my credit history only to have my score I raised from XXXX to over 700 diminished by this derogatory item.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied directly through bank XXXX XXXX and were pre approved for {$55000.00} auto loan through XXXX XXXX, which is our bank. I found a vehicle at XXXX XXXX XXXX. When we got tot he dealership it was not the vehicle that the had told us about. There were suppose to have a new vehicle that met our expectations. The company wanted to start the process even though the vehicle was not there yet, they wanted to the paperwork process so I gave them a letter from XXXX  XXXX and I told then not to run our credit and I had been pre-approved through our bank. I was alerted through XXXX XXXX, XXXX XXXX, Experian XXXX XXXX, and XXXX that there were several new inquiries on my credit bureau that were not authorized. So I spoke with the general manager at XXXX XXXX XXXX and asked why they ran our credit without my permission. His response was, " well your credit was already low. '' I informed him that I was going to file a complaint because he was not authorized to run my credit through any other bank. I contacted via phone Experian, XXXX and XXXX directly to dispute the inquiries that I did not authorize. I explained that the only bank XXXX XXXX XXXX was authorized to run my credit with was XXXX XXXX since we already had our letter and this was our lender. I requested that all other bank inquiries be removed and I was told by each that it is legal for an auto dealership to run your credit through several banks and all of those additional bank inquiries would remain on my credit report for 24 months. I did not authorize XXXX XXXX XXXX to run additional bank inquiries and that does not make it right or legal for them to do so.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. These accounts are in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the items nor done any level of investigation to support their position. I need these accounts removed due to the rules of estoppel. 
XXXX XXXX XXXX & Bankruptcy XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX ( Hotel and travel ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXX/XX/year> )XX/XX/XXXXXXXX XXXX XXXX ( XX/XX/year> ) XX/XX/XXXX # XXXX XXXX XX/XX/XXXX( Hotel and travel ) ( XXXX XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX XXXX )XX/XX/XXXX XXXX, XXXX XXXX ( XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX )
Product: Debt collection

I had agreement with XXXX to pay a debt amount XXXX $ in 12 monthly payments of XXXX XXXX I already paid one payment on XXXX then on XXXX. XXXX  they changed my bank account XXXX XXXX The other thing is that on company website I have account where I can pay my debt and it shows different amount, higher than I agreed to pay. I called company many times, left voice messages with no response. ( 20-30 times ) Last Monday someone from company called me and told me that they will fix website account and payment but it is Thursday already and they didn't do it. I paid XXXX $ this month and I'm afraid that on XXXX they will charge me again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 30 DAYS, I FILED A 30 DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE. 

INITIAL DISPUTE XX/XX/2020 30 DAY DEMAND XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 conn 's company has been sending me a ledger of my account, as asked for by me.my last balance report on it to me {$760.00} and my credit report from XXXX XXXX and XXXX was $ XXXXthis company is not reporting the right amount to the credit bureaus XXXX XXXX and XXXX it does report to XXXX.to report to the credit bureaus the balance of the accounts is in the agreement that I sign for thats what I am asking for now to report the payments made on the account ending # XXXX all my poof information is sent by certified mail to C.F.P.B.
Product: Credit reporting or other personal consumer reports

They been giving me the run about my credit they havent been any help
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report I saw some hard inquiries that did have not permission purpose. I also attached evidence.These inquiries has no permissible purpose to be on my report. 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. 15 U.S.C 1681 section 602 A states I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Delete this inquiries due to violation of 15 USC 1681b 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: Checking or savings account

On XX/XX/year>, at approximately XXXXXXXX XXXX., I called Navy Federal Credit Union ( NFCU ) to inquire about an account discrepancy. Although a credit had been posted to my account, my available balance was not reflecting the update. I spoke with an agent named XXXX, who was unwilling to assist me and made it clear that she did not want to help. Instead of addressing my concerns, she informed me that she would transfer me to a supervisor, stating that she could not assist further. 

I was then transferred to a supervisor named XXXX, who refused to provide her full name. XXXX dismissed my concerns and refused to discuss a resolution. When I tried to explain the issue further, she hung up on me, stating that the call was not getting anywhere. Both interactions were frustrating, unprofessional, and abusive. 

I believe that this conduct violates UDAAP standards, as the refusal to provide assistance and the abrupt disconnection prevented me from managing my account effectively and was coercive in nature. I am seeking a resolution to the balance discrepancy and accountability for the customer service agents involved.
Product: Credit reporting or other personal consumer reports

Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorizations that I the consumer may have given you, written, unwritten, verbal and nonverbal per 15 USC 6802.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the process of my spouse not working due to the pandemic we had to do a Forbearance and later a loan modification. The credit bureau is showing we have late payments on our accounts. 
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 1881. 
Accounts- XXXX XXXX XXXX- Account # XXXX XXXX XXXX XXXX XXXX- Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX-Account # XXXX Equifax 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 items 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

I transferred approximately $4800 worth of BTC to my Coinbase account from XXXX. I received messages on both ends that the transfer was successful. Then when I checked my Coinbase account, the money was not there. I called and complain with sheer panic that the money had just vanished. They informed me that somehow the money had been transferred to XXXX, and sure enough when I checked there was money there. So I proceded to try to withdrawal the full amount, and it showed an error stating that was an error withdrawing from XXXX and that I should transfer to Coinbase in order to withdrawal. So I did that, but then then things got even weirder. I couldn't convert my BTC to USD at all in order to perform the withdrawal. So for days my money was stuck as BTC which was steadily dropping. Finally I called again, and the lady said she had no idea what happened and had to make a ticket for an advanced technician to investigate the matter. The next day I had $XXXX  even in my USD wallet. I was again so excited that the nightmare was over, but when I went to withdrawal the money, it said that I owed $XXXX still. I didn't understand at all how I could owe any money let alone $XXXX, especially while I had XXXX  already in the account. It gave me 4 ways to pay, my credit card, 2 of my wifes credit cards, or I could subtract it from my XXXX USD wallet. Anyway I tried every method, now it says I owe 0 dollars, but I can't withdrawl still because it says I owe 0 dollars. HELP ME PLEASE!! I think they stole my money, or got hack and are trying to cover it up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted 4 disputes trying to get information from XXXX XXXX XXXX off the credit report. I have most recently ( XX/XX/XXXX ) provided a letter from the company. This has NOT been removed. Each company has been pointing to the other company as for who is responsible for this not being removed. I have spoken with managers including XXXX with Equifax and XXXX from XXXX XXXX XXXX. XXXX stated they ( XXXX ) need to electronically delete the information from their side and XXXX stated they have requested a manual deletion since XX/XX/XXXX and have no control over if Equifax actually deletes it or what timeline they move. Even after submitting the letter XXXX from Equifax stated that the letter meant nothing if XXXX  did n't accept the letter as proof and voluntarily delete it. I believe XXXX  has done what they can do because its been deleted from my XXXX report and Equifax is the only one not deleted. However even after submitting a letter from XXXX to XXXX attached to the dispute onXX/XX/XXXX it was NOT updated. As of XX/XX/XXXX it is still reflecting that the account is paid with a {$0.00} balance. I have a mortgage loan hanging in the balance and neither company seems to care that time is of the essence.
Product: Credit reporting or other personal consumer reports

I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section XXXX ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the XXXX, Experian, and XXXX data breaches, which heightens my concern regarding the security and handling of my personal information.