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

XX/XX/XXXX, I received a copy of my credit report, and as of XX/XX/XXXX ACCT : XXXX is reporting as valid and active. Upon further research, I found that sensitive personal data had been breached. My anxiety consumed me with worry and this left me in very troubled state of mind ; especially on the count that I have never gone into a car dealership to apply for any auto loans or received any financing for a vehicle of any kind. Moreover, I currently do not own a vehicle at all. I contacted several dealerships and inquired about this issue at hand and the representatives informed me that, there is no way that a situation like this should have even occurred. Since confirmation of this fraudulent activity, I have tried my very best to get this removed and blocked from my credit report. With many failed attempts via phone and mailed in letters. After notifying the consumer reporting agencies ( XXXX, EQUIFAX and XXXX ) of this issue this item was not deleted from my consumer file during the 30-day investigation period. In which is not in compliance with 15 US CODE 168i ( a ) ( 1 ) ( a ). Then after the investigation was completed and allegedly verified without issuing proper written notice of resources used to verify said information to I, the consumer per 15 US CODE 1681i ( a ) ( 6 ). I have experienced a tremendous decrease in my credit score which has led to other hardships. It has been impossible to now get fair financing without extremely high interest rates for adequate vehicles and housing approvals for my family during the pandemic. My work schedule varies and child care facility not close to my current address and work finding reliable transportation has been troublesome. Not being able to get approved and obtain my own vehicle or safe housing, I have experienced severe emotional and mental anguish battling with this dispute for almost over two years. Following this incident my physician has prescribed me XXXX to manage with my stress and anxiety levels. With plenty financial distress to no avail this issue has still not been corrected by XXXX XXXX XXXX XXXX XXXX, EQUIFAX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

PHH Mortgage failed to provide legally mandated notice requirements for changes to mortgage servicing. As a result, a payment was late. The late payment should not be reported to credit bureaus and the grace period allowed by Federal law should be tolled until such time that the consumer actually received adequate notice of who the mortgage servicer was.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting account derogatory or delinquent. The creditors are saying they are not reporting this information to Equifax. Equifax and the creditors keep saying it's the other party reporting the incorrect information.
Product: Debt or credit management

THIS IS AN ONGOING ISSUE WITH TRANSUNION. YOU CAN NEVER UNFREEZE CREDIT WHEN YOU NEED TO. XXXX AND XXXX ARE SO EASY TO NAVIGATE TO FREEZE OR UNFREEZE CREDIT. TRANSUNION ALWAYS, FOR YEARS, SHOWS 'WE ARE HAVING PROBLEMS ' CALL A NUMBER. THEY SHOULD BE FINED AND MADE TO MAKE THIS PROCESS EASY AND SIMILAR TO OTHER AGENCIES.
Product: Debt collection

I was under my parents insurance still at this time and is to be paid by them and not myself.
Product: Debt collection

on date XXXX i received a validation responce letter from company midland credit management. further due in letter they have not shown actual proof of me owing this debt. i requested proof of contract of my own signature and it was not provided. also this company has violated multiple of my consumer rights! they have violated 15 usc 1692 ( c ) ( d ). which as you should already know ... communication with the consumer generally without the prior consent of the consumer given directly to the debt collection or the express permission of a court of competent jurisdiction a debt collector may not communicate with consumer in connection with the collection of ANY DEBT. Also harrassment and abuse to keep reporting to the credit reporting agencies. Which they are in violation once again ( 15 usc 1692d )
Product: Credit card

FTC Report Number : XXXX Account Ending in : XXXX Type of Account applied for : Chase Freedom Application submitted by : Internet Date application : XX/XX/XXXX On XX/XX/XXXX my XXXX XXXX credit card company ( BEST COMPANY IN THE WORLD ) informed me that there has been a hard credit check on my name. Thats how I discovered that CHASE has approved a fraudulent credit card application without any kind of due diligence. 

I have received a letter from CHASE Fraud Department ( dated XX/XX/XXXX ), which only show how easily they give out these credit cards. Most of the applicant data was wrong or expired almost XXXX years ago : 1 ) Name was wrong, since I have remarried in XXXX and registered my SS # under my new surname. 
2 ) Address was wrong, since I moved out on XXXX. 
3 ) Mothers maiden name was wrong. 
4 ) Email address expired in XXXX. 

Yes, the criminals had my correct cellphone, SS # and birthday, but all above was wrong in their application. 

I was trying to call CHASE Fraud Department and they returned my phone call, but they have no other detailed information or explanation, why they did approve this credit card application when clearly MOST OF THE APPLICANT DETAILS ARE WRONG in this fraudulent application. 

CHASE didn't conduct any due diligence to check any of the applicant data. This credit card approval seems to be AN INSIDE JOB, and CHASE must find out who in their organization is guilty for this kind of criminal act.
Product: Mortgage

Called BoA on XX/XX/XXXX to discuss late payment reporting by BoA. BoA agent told me me my XX/XX/XXXX check # XXXX was rejected by my credit union. Checked with my credit union via phone and online and the check cleared XX/XX/XXXX. BoA is requiring me to provide a copy of my statement when clearly the issue is with BoA. Also, BoA requested I replicate the payment over the phone in order to avoid late fees. I have now duplicated the payment to BoA.
Product: Credit reporting or other personal consumer reports

I did not authorize for my credit to be pulled, I went to the dealership on XX/XX/year>2024, i filled out an application and authorized XXXX  to run my credit, I brought the card now its XX/XX/year>2024 I pull my credit report and i got 5 different banks and auto finance company on my credit report that i did not give permission to pull my credit report. 

XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Truist Bank is saying I'm responsible for - {$100.00}. My account had a fraudulent charge of {$200.00} from an unauthorized person or place. The {$200.00} went to the fraudulent department and was settled. But, I put a freeze on my account and stated that I had 4 authorized transaction coming out. At that time it was - {$310.00}. They are trying to say that I'm responsible for this amount and I'm not. They claim that they refunded 3 overdraft amounts in which none went to the - {$310.00}. Please look into this matter. Thank You.
Product: Debt collection

The open dates for are not accurate and the account numbers are invalid. Asterisks, never represents or corresponds to appropriate account informations. Its been more than 6 months and you have never given me any response to my request to validate the debt and of its origin. I have never given any approval or permission for you to report this account. 

This is a violation of my rights as a consumer. I will be seeking legal assistance due to noncompliance with 15 U.S. Code 1681 ( e ) ( B ) and XXXX XXXX Compliance Standards, there are multiple deviations, deficiencies, inaccurate information, and unauthorized information listed on my credit report. Please remove these accounts referenced from my credit report.
Product: Debt collection

XX/XX/XXXX, XXXX I paid my move-out payment for XXXX XXXX in XXXX, California amounting to {$680.00}. 
XX/XX/XXXX, XXXX I received a second letter from IQ Data International , which is a debt collector company, regarding this debt. This time, the amount listed is at {$680.00}. 
XX/XX/XXXX, XXXX I called IQ Data International to dispute this debt. I provided them thru email with receipt from XXXX XXXX and a proof that the check has been cashed out from the bank. I was told that since I made a dispute, I do not need to make any step further and that my record will not be forwarded to any of the credit bureaus. 
XX/XX/XXXX, XXXX I was notified by my account that I received a derogatory record on my XXXX account filed by IQ Data International . The amount owed listed is at {$690.00}. 
XXXX XXXX, XXXX - I called IQ Data International, and I was told that I have to pay them the amount owed at {$690.00} since my debt is still open. I was told that if I want this to be cleared, I should settle that amount to them. I refused since I said I already paid that amount and provided proof for that. I was told that they did not hear anything from XXXX XXXX  clearing that debt that is why my account is still open and was forwarded to the credit bureau. 
XXXX XXXX, XXXX I submitted my XXXX dispute letter to IQ Data International and forwarded it also to the supervisor handling my case. I attached the XXXX record showing the derogatory record filed by them, a copy of the check submitted to XXXX, and a copy of receipt from XXXX XXXX XXXX 
XXXX XXXX, XXXX I called XXXXXXXX XXXX and spoke to the manager. I was told that my account has been settled and that they did not receive any form of communication from IQ Data International. I was told that they will email IQ Data International to clarify this matter. I asked to be included in the correspondence so I can have a paper trail of the conversation but the manager declined my request. 
XX/XX/XXXX, XXXX I called IQ Data International to confirm receipt of my dispute letter. I was declined to be provided with that information. I asked for an acknowledgement receipt for my email but the person I talked to declined my request as well. I asked if they have received any email from XXXX but he declined to provide that information. I was also asked again to pay for the amount for my name to be cleared, which I refuse to do.
Product: Vehicle loan or lease

My Carnote is already {$630.00} which is a lot with inflation and everyday life. Volkswagen will charge be hundreds of dollars in late fees even when I make a payment arrangement. I think thats way too much Im barely holding on to paying the XXXX. They also sold me a tire plan and didnt let me know it could only be used at that one location. Which is an hour away from me. So when I need a new tire I cant even get one because I would literally have to drive an hr to that same location to get one. I found that to be very shady and taking advantage of the customer just to get a sale. so Im paying extra for the plan for nothing.
Product: Debt collection

This collection company know very well this account is not my account ; however, and this account is fraudulent, or someone working at a credit bureau. However, it didnt matter to them because it is vengeance, and revenge against me for filing a complaint before, and letting other consumers know the fact. They are disturbed at me, and worried about saving their brand, and not helping the consumer. 
They are strongly aware that nothing will happen to them since they believe they are too big to fail. I am forwarding this complaint to XXXX XXXX, and seeking her help to stop this criminalizing against consumers. 
I am filing this again because they admonished, and castigated me for filing an earlier complaint. Pro Collect, and these bureaus are mafias and gutless wonders! Why would they put these negative accounts on my credit file that doesnt belong to me, except mere retribution? I faxed my credit report, two police reports, and F.T.C. fraud affidavit to XXXX XXXX for protection. 
They are too stubborn and too crooked to satisfy the consumer. They are too concerned about these credit bureaus, and this companys brand at the expense of consumers. This is very sad, and they must punish.
Product: Debt collection

{$1100.00} amount due unknown and not mine Midland Credit Management for XXXX XXXX Bank XXXX - listed on the credit profile I have submitted written investigation request and made phone calls to resolve unknown debt
Product: Checking or savings account

PayPal illegally froze my account and flat out refuses to unblock my account
Product: Credit reporting or other personal consumer reports

Kindly remove this information from my credit report within four business days, in accordance with section 605C of the Fair Credit Reporting Act. I would appreciate a notification regarding the actions taken. Thank you for your swift attention to this issue.
Product: Credit reporting or other personal consumer reports

LexisNexis continues to allege that have a right to violate my consumer rights by reporting a bankruptcy this is false. You need permission from the consumer to report anything this is my information that LexisNexis is selling and putting me at risk for data breaches. 

Remove the bankruptcy from all records and my name from the database of LexisNexis I do not want you selling any information that pertains to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXX  opened XX/XX/XXXX for the amount of {$590.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX for the amount of {$200.00}. XXXX XXXX opened XX/XX/XXXX for the amount of {$2400.00}. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of XXXX. XXXX XXXX XXXX opened XX/XX/XXXX for the amount of {$4200.00}. XXXX XXXXXXXX XXXX opened XX/XX/XXXX for the amount of {$8700.00}. has violated my rights. 15.U.S.C 1681 section 602 A States i have a right 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 then records of convictions of crime 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 consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is in accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  had a breach. I have included credit report as well as Transunion and both are telling companies I opened cards when I did not
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 XXXX XXXX XXXX  did an unauthorized hard inquiry on my name. 
I also noticed a new city that I never lived on
Product: Checking or savings account

During the time of compliant access to my account information was either incorrect or not accessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

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

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

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

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Im confident I pay on time every month, but I dont know why this company says Im late. According to USC 1666b, errors need to be corrected, and the account should be marked " paid on time. '' A fair outcome would be for these accounts to be updated without late payment notes on my credit file.
Product: Money transfer, virtual currency, or money service

I sent money from my zelle account and wasnt asked if that was the right person before I've asked to cancel funds before and wasnt able to get it back
Product: Debt collection

I am submitting this complaint regarding the ongoing lack of communication from Javitch Block, LLC concerning a debt of {$4100.00}. On multiple occasions, my attorney and I have made extensive efforts to reach Javitch Block to discuss a settlement of this debt, yet we have received no response to date. 

To provide context, I was served a summons from XXXX XXXX XXXX, with Javitch Block acting as their legal representative, for this debt. After multiple unsuccessful attempts at service, I retained legal representation, and on XX/XX/year>, we successfully quashed the service of process in court. Since then, my attorney and I have attempted to contact Javitch Block numerous times via phone calls, emails, and mailed correspondence in order to negotiate a settlement. 

Unfortunately, despite our clear willingness to resolve the matter, Javitch Block has not responded to any of our outreach efforts. The only instances in which we have received any form of acknowledgment from XXXX XXXX XXXX or Javitch Block have been when I escalated the matter through credit bureaus or by submitting formal complaints. This lack of response has caused significant delays in addressing this matter. 

I am submitting this complaint in the hopes of facilitating direct communication with a representative from Javitch Block, LLC to expedite a settlement process. I respectfully request prompt assistance in this matter. 

Thank you for your attention to this issue.
Product: Credit reporting or other personal consumer reports

I have disputed several inaccuracies on my Equifax credit report XXXX XXXX, and the issues remain unresolved. These inaccuracies include : An incorrect alias listed as " XXXX XXXX. '' My name is XXXX XXXX, and this is the only name that should appear on my credit report. 
An unauthorized inquiry from XXXX XXXX XXXX dated XX/XX/XXXX, which I did not authorize. 
XXXX XXXX XXXX  accounts from the Florida Department XXXX XXXX ( # XXXX and # XXXX ) showing a last activity date of XX/XX/XXXX. These accounts have exceeded the seven-year reporting limit as per the Fair Credit Reporting Act ( FCRA ) and should have been removed. 
Personal information such as my date of birth and Social Security number, which I have repeatedly requested to be removed for privacy and security reasons. 
Equifax has failed to correct these issues despite my repeated disputes. This lack of action violates my rights under the FCRA, which requires accurate credit reporting and mandates the removal of outdated or unauthorized information. I am escalating this matter to the CFPB to ensure compliance and resolution.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputes was sent in regarding a account on my credit report that was in accurate, I sent the bureaus this time and time again and nothing was ever done since

I started this complaint. There was no disputes shown on this account. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) is the law that I feel they are not abiding by. 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. The amount showing that I owe is not correct My date are not accurate through any of the bureaus. There is also a law stating that all bureaus need to be all 100 % accurate and reporting the same. The open date is incorrect, the last payment date is not the same, last verified date is inconsistent.
Product: Student loan

I am a veteran of the MA XXXX XXXX XXXX. When I first enlisted in XX/XX/XXXX I had in my military contract that I was part of the XXXX 's student loan repayment program. From XX/XX/XXXX-XX/XX/XXXX, all military contracts had the student loan repayment program in them. Over the span of 4 years I have done my part. I have filled out correct forms and documentation needed for the XXXX AND my student loan company to take over my student loans. For the past 3 years I have not been sent any documentation from my student loan company that this is being taken care of. According to a phone call on XX/XX/XXXX my student loan debt is now with a collection agency that I had to ask the name and contact information for because I have not been sent any paperwork or information. Every time I contact my student loan company I get the same response. They need paperwork stating my dates of service in the XXXX XXXX XXXX. I have sent over multiple forms, multiple times stating my dates of service and that I am entitled to have the XXXX pay off my loans because that is what was in my contract. I keep getting the runaround from my student loans. I know Navient ( formerly Sallie Mae ) is undergoing a class action lawsuit because of things they have done to their borrowers. They are not acting in favor of me, the borrower and creating obstacles for me. I have all documentation that they have requested. Including dates of military service and my military contract stating I have the XXXX 's student loan repayment program in my contract with the military. A veteran should not have to be struggling so hard with something like this. It is unforgivable.
Product: Vehicle loan or lease

After I was informed that the company would not call me on Sundays anymore, I was able to set up a payment arrangement to pay my debt. They said they would not call me at all. I thought that was extreme, but fine with me I can call you, and I have. On XX/XX/2023 I paid XXXX for my car note and on Friday XX/XX/2023. I paid a XXXX payment. 

I am just trying to catch up. I was going to make two payments a month and I found myself short for the payment on XX/XX/2023. I paid more than half. Well, they called me Friday, and Saturday, and the worst day of all Sunday. That was my original complaint. about was Sunday. I was in worship service, and they called I asked the young lady if she wanted to join me in service since it was online. I am so frustrated because previously I allowed them to speak to me any way they wanted and then the calls came consistently on a Sunday when I asked not to do that. I tolerated it a lot.