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

On XX/XX/2023 I received my credit report from all three major credit reporting agencies. I noticed that there were some unauthorized inquires reporting. On XX/XX/XXXX, I contacted TransUnion, XXXX and XXXX to no avail, the inquires still weren't removed. XX/XX/2023, I sent a certified letter stating that the inquiries were unauthorized by me, and that i would need those removed. I received a response stating that the inquiries were factual. I was not sent any information on how the companies determined those to be factual and I was not shown any applications that bear my signature or any proof that those inquiries were in fact made by me. In the climate of today 's society, anyone can get ahold of your information and apply for credit online. After I also sent letters to all three bureaus again XX/XX/2023, requesting that those inquiries be removed again, and my intent to file a complaint with the FTC.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out several times to GM financial and they said that they would correct any error on my report caused bl there company. Till this day they have not corrected any information on my credit report. I will be filing a lawsuit in my county for them reporting false information on my report. This has caused me financial difficulty and has cost me time and money to dispute this error. Please remove this inquiry within 10 days of this notice. i also have enclosed one of the three letters i received saying that they would remove this inquiry. GM financial should contact XXXX and XXXX to remove inquiry.
Product: Credit reporting or other personal consumer reports

Dear XXXX Customer Service, I'm writing to address an ongoing issue with my account ending in XXXX, which seems to be a persistent problem despite previous efforts to resolve it. On XX/XX/XXXX, your automated system erroneously sent charge-off information to XXXX. This action overrode my previous removal of the charge-off on XX/XX/XXXX. This issue has been recurring since XX/XX/XXXX. 

In your letter dated XX/XX/XXXX, you acknowledged that the balance in question was solely due to fees assessed on a previously zero balance account. Consequently, you reversed the charge-off and requested the removal of delinquencies from my credit file. Despite this, the charge-off information continues to be incorrectly reported. 

There appears to be a clear disconnect in communication between departments within your organization. The recurring nature of this issue suggests that your automated systems are not aligned with the manual corrections previously made. This inconsistency is causing significant frustration and undue stress. 

To rectify this situation, I urge you to take immediate action. Please ensure that the charge-off is permanently removed from my account and credit file, and prevent any further incorrect reporting. It might be necessary for someone to get in touch with the appropriate department to coordinate this fix, rather than relying solely on automated processes. 

Humans need to talk face-to-face, via XXXX, or on the phone to resolve complex issues like this. Automated systems are clearly failing to address this ongoing problem effectively. I strongly suggest that a dedicated representative from your team take the initiative to personally go to the other department and ensure that this issue is resolved. It is imperative that a dedicated person takes ownership of this problem and communicates directly with the relevant department to prevent further errors. 

I've taken steps to resolve this on my own by contacting XXXX directly, but it is your responsibility to ensure the accuracy of the information you report. If this matter is not promptly resolved, I will not hesitate to start a class action lawsuit. I am likely not the only person experiencing this issue, and a class action may be necessary to ensure that this problem is addressed for all affected customers. 

I expect a prompt resolution to this matter and confirmation that the charge-off has been permanently removed from my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company filed an auto loan application without my knowledge or consent. Customer service refuses to remove the inquiry.
Product: Debt collection

Frequent phone calls to try to collect on accounts past the statutes of limitations, Debt that is over 10 years old and legally uncollectable.
Product: Credit reporting, credit repair services, or other personal consumer reports

603. Definitions ; rules of construction [ 15 U.S.C. 1681b ] Exclusions. ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; It also defines what a credit card is " ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' My Nine digit Social Security card number that was used to extend credit in the below account is prohibited by law to publish on any credit reporting agency. 

On XX/XX/XXXX I sent a second dispute to XXXX regarding an inaccurate/ fraudulent Medical bill that they are reporting on my credit. I was never in the hospital when the bill stated that I was, and my insurance has no records for any request for payment for the bill in question. 
XXXX sent me a statement report on XX/XX/2021 report # XXXX The report states that they have investigated item account # XXXX and that the item belongs to me. 

XXXX did not provide any details as to how that Item was found to belongs to me, Per the dispute, I requested for the second time that XXXX furnished proof that such an item belongs to me and a copy of the HIPPA release form that I signed by me authorizing my medical data to share with these above-mentioned third parties. This is a clear violation of my rights according to HIPAA. Harvest Associates INC and XXXX for the second time failed to furnish the requested proof yet, the negative item continues to reports on my social security credit device.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN MY DISPUTES WITH ACCOUNTS THAT WASNT MINE, NOBODY RESPONDED.
Product: Credit card or prepaid card

Hello I received a big bill from discover that I didn't do or open up and I want this to be fixed and I also contact them and open up a dispute and they took it off my credit report for few weeks and later called me and told me to go to the police station and filed a report and I told them I did it online and I wont go in person because I have active warrants and I have a girlfriend who is not a XXXX XXXX I don't want her getting XXXX  and they closed the dispute and rebilled me and today I called on XX/XX/2018 and reopen the case and they refused and told me pay the bill and its on my credit report as of today
Product: Credit card

Chase refused to refund me the credit of {$1200.00} for a service I never received. 

Transaction date : XX/XX/XXXX Service : Flight ticket scheduled for XX/XX/XXXX Amount : {$1200.00} I made a disputed on the charge on XX/XX/XXXX to Chase because I suspected the merchant didn't issue me the ticket. Based on the letter from Chase as of XX/XX/XXXX, the merchant claimed they have issued a ticket and it was valid for travel, and so Chase confirmed it is a valid transaction and closed the dispute. However, on XX/XX/XXXX, I discovered the ticket had already been canceled and refunded without my consent. Despite numerous attempts to contact the merchant, I have received no response regarding if or when I will receive my refund. 

I attempted to reopen the dispute with Chase by submitting the proof that the ticket has been cancelled and refuned. but Chase refused to reopen the dispute and ignores the fact that I paid for a future service that was never delivered.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several bankruptcy filings on my Transunion credit report that are not authorized as being reported on my credit report. Transunion LLC and XXXX XXXX are violating 15USC 1581.2. 

The United States Bankruptcy XXXX XXXX XXXX XXXX Georgia has provided information to XXXX XXXX and they are reporting it on my credit report without my permission. As of XX/XX/XXXX, XXXX XXXX have been required to suppress all of my information from XXXX XXXX products and services. Unfortunately, that has not happened. After disputing the unauthorized information on my Transunion credit report on XX/XX/XXXX, somehow XXXX XXXX continues to provide suppressed information to Transunion. After confirming that the bankruptcy court has provided this information to XXXX XXXX, I demand that all information from the following cases be removed from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX XXXX XXXX XXXX GEORGIA DOCKET # XXXX My other credit reports have been purged from this information, due to suppression. However Transunion LLC continues to report this suppressed information and therefore they are in violation of Federal Law. Please remove immediately or further action will be taken with the XXXXeorgia Banking Commission and Federal Trade Commission.
Product: Credit card or prepaid card

Bank : Capital One : Case ID XXXX My name is XXXX XXXX and I am a victim of excessive fraud charges on my account. I feel I am getting no where with Capital One and they are not protecting their customers except sending me in circles. On or around XX/XX/XXXX, I received an alert from Capital One querying if I made charges on my credit card, my response was " NO ''. The card was in my possession, however, the card was destroyed immediately and a new card was issued which I did not activate. The new card sent by Capital One was hacked by XXXX on XX/XX/XXXX and XX/XX/XXXX which Capital One acknowledged and they could not explain to me how was my card activated by someone else. If that was not enough on XX/XX/XXXX my business account with Capital again was hacked for {$25.00} which has been pending on my account, company name XXXX I am at my withs end and with this fradulent act and Capital one is not taking responsiblity for exposing my data. They are holding me responsible for this huge balance which is affecting my credit score. They can not even tell me who activated my new card but yet they are harrsasing me to pay the monthly fees. Please, I need your help, I am fustrated. I have attached the documentation. My cell is XXXX. Thank you for your understanding. I almost want to believe this fraud is internally. Thanks
Product: Credit reporting or other personal consumer reports

I have been XXXX  sense 2013. I have been home for 2 yrs now o have been fighting to to get information removed with these companies I have submitted verification of ID theft reports, XXXX documentation, proof of address, Drivers license and utility bills proving the state I live in and the reports are still showing this information some will come off and a few months latter they are back on my credit profile. Also once I disputed these items and the place the back when the original dates may have stated it will remove at a certain date and year but when I dispute it the credit bureau reports it back for another 3 to 5 years to be removed. Which makes the account way past the statue of limitations law for credit reporting even though the accounts are not mine and fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained an auto loan from XXXX XXXX XXXX back in XX/XX/XXXX until XX/XX/XXXX. Unfortunately, the loan was cut short due to someone stealing the vehicle. After several months of calls to XXXX XXXX XXXX I was finally able to get a resolution of paying a balance. The balance was paid in full around XX/XX/XXXX. 

XXXX XXXX XXXX reported this as a charge off on my credit report. That has negatively effected my credit score and it has decreased by 50 points due to this inaccurate information that has been reported by them. 

I need the charge off removed from all credit reporting agencies because this should be an exception to the rule. Not only was a crime conducted against me. The XXXX XXXX XXXX company was very rude and expressed zero empathy towards the situation. I expressed the issues to several customer service individuals and they did not seem to care about my situation. So here we are.
Product: Credit card or prepaid card

On or about XX/XX/2019, an authorized cardholder reported the account as potentially compromised which would trigger a freeze on the account until a replacement card was issued. 

Request XXXX  respond to : 1. Does an authorized cardholder have the right to initiate the process of an account freeze pursuant to a report of suspected activity compromising the security of the account? 

2. If yes, why was the account not frozen until a replacement card was issued?

3. If no, please cite specific regulations and/or internal policies that support.
Product: Credit card or prepaid card

On XX/XX/XXXX, someone placed a charge on my discover card of {$430.00} at XXXX XXXX XXXX, Fl. I did not authorize. that charge, I was not in Fl nor make a purchase amount of on this card.. I was in XXXX I only purchased gas no shopping. I asked Discover to investigate & remove. I searched XXXX tried calling the number using that address and got no response it showed a auto company. i know my car has not been in a shop. I am having to pay for charge NOT make by me. I have appealed Discover decision stating this is a vaild charge. They are incorrect its not me. 

case # XXXX merchant XXXX XXXX
Product: Checking or savings account

I still was wrongfully charged from a XXXX XXXX XXXX and my account was overdraft and negative and I had to close it
Product: Checking or savings account

I used my Navy Federal Credit Union debit card to pay for a service by closets by design ( XXXX ) XXXX. I paid a total of {$7900.00} ; {$3900.00} to XXXX and {$4000.00} remainder to NFCU. I received the {$3900.00} back from XXXX because the company XXXX, did not complete the service and came to install with the incorrect merchandise. I was told by XXXX I had to show proof of cancelation which I did, once they showed up to my house to install with the incorrect products and broken merchandise. I was told by the XXXX manager that I can pay more the incorrect items I actually want, and they can replace the broken merchandise. I told them I wanted to cancel because they started to install the incorrect merchandise and took apart my closet, put holes in my wood floors and walls and did not go over the material before starting the installation. I emailed and called and the vender did not want to refund me or install the correct materials I selected with my sales rep, XXXX, unless I paid additional money. The manager stated in the email and I quote " If XXXX would have called me and told me we were selling the closer at that price point with molding, lucite doors, and sliding mirror included, I wouldn't have allowed it! '' I sent in all the same documentation to XXXX and NFCU and only XXXX  has done their due diligence to help resolve my claim. I re-opened this claim twice with both companies ; XXXX resolved my issue because the merchant did not complete the service. The merchant is stating to NFCU they are attempting to scheduled me for service which they are not, nor tried resolving the issue. NFCU explained I could write a letter for the 3rd time and explain why I believe my claim should be reopened. The email from NFCU states " You were charged for the amount you owed after receiving merchandise or a service ''. I did not receive the merchandise or the service! They're saying it's not considered fraud because I attempted to work with the vender/merchant, even though they did not complete the service. NFCU dispute teams haven't even reached out to me once throughout the time of this dispute ; I've had to call my bank multiple times to hear that either they did not receive my evidence I submitted, to resubmit, they will have an advisor call me, they never called, and that evidence could not be " he say, she say '' however ; because the merchant claimed they attempted to contact me, they can not recoup my funds even if the services were not completed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested that Bayview Loan Servicing correct my credit report with all XXXX credit reporting bureaus beginning XXXX. Thereafter, XXXX reported my loan as closed on XXXX. This dropped my credit score and stopped me from refinancing my mortgage. I sent another letter to XXXX via certified mail on XXXX. On a phone call with XXXX on XXXX the company rep stated my file would be corrected with the credit bureaus by XXXX XXXX. This has not happened. I received a letter from XXXX dated XXXX indicating they would correct the information they are reporting to the credit bureaus. I received a XXXX report from XXXX reflecting that XXXX changed some information but it is still being reported erroneously as settled in XXXX bankruptcy with no balance and incomplete payment history. I have made countless phone calls with no results. XXXX sent a letter stating that my loan would be transferred to XXXX XXXXXXXX XXXX on XXXX XXXX, XXXX. I feel that XXXX has prevented my re-financing of this mortgage through repeated erroneous reporting. I have attached my most recent letter faxed and e-mailed to them today with supporting documents of previous letters, credit file information, etc. I am requesting that this matter be resolved asap as the error is causing me financial harm. Bayviews actions are clearly in violation of the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

I disputed to reporting agencies all debt concerning XXXX Acct # : XXXX and all claims to contract pursuant 15 USC 1602g, 1666B ( a ), 1681b ( 2 ), 31 USC 5118 ( d ) ( 2 ) under consumer report exclusions. My identity was stolen and all negative items do not belong to me and was charged off and reported without express written consent. These are considered identity theft and adverse actions.
Product: Credit reporting or other personal consumer reports

PLEASE BLOCK AND REMOVE Please take immediate action to clear my credit report of these fraudulent inquiries, which I did not authorize and are causing me substantial stress.
Product: Money transfer, virtual currency, or money service

I sent a transaction 3 times but it got canceled 3 times, then I looked in my app for the company and it said complete. As if someone picked up the money. I filed a complaint with the company and they found their mistake. They issued me a refund with a control number and this is where the problem lies. I have relocated to the XXXX but my bank is in the United States as for now. I use the online service to send my money to me in the XXXX as my debit cards do not work here. They stated my bank would not accept my refund and sent my refund through their service to XXXX. As I stated I have relocated to XXXX and can not receive my refund in XXXX. They refuse to change the payout location for me even though I have sent the requested documents to prove who I am.
Product: Student loan

I have enrolled in XXXX XXXX on XXXX I believe and I have applied for private loans thru XXXX at that time to fund my education. I was promised by XXXX XXXX XXXX that my credits ( XXXX XXXX ) can be transfered to any other university after to obtain XXXX XXXX if I choose to further my education right before completing my XXXX XXXX I have reached out with them because no other school wanted to credit my degree and credits earned from XXXX XXXX and the only school that is able to accept my credit is XXXX XXXX which is very very expensive. However, after leaving me with no choice. XXXX XXXX did not credit all my earned credits from XXXX as promised by XXXX. I have lost XXXX credits I think out of XXXX credits I earned from XXXX. These leads me to more debt. After years of repaying XXXX now XXXX, I have tried to request from them to release my XXXX XXXX XXXX as my cosigner and have denied my request. I have files for bankcruptcy on XXXX due to hardship and growing family numbers ( XXXX children ) but my student loans were not dischargaeble. I have applied for school misconduct thru XXXX and denied my request without any explanations. Even if I have told them that my federal loans were discharge from XXXX XXXX which I have consolidated before and was transfered to department of education ( Mohela ). I believe that they are not reviewing my case and request knowing that I have become a victim of predatory school. If I also recalled correctly I was never put on XXXX but rather paying them full amount of money they payments from the very beginning. I have been paying them monthly payments after my graduation from XXXX XXXX on XXXX until today if I am not mistaken. I was also informed that even if they will discharge my private loans from them, I will only get refund from the date of my school misconduct application which is XX/XX/XXXX until the decision is made. Their decision was made on XX/XX/XXXX and denied my application. I have applied again for discharge and denied my application again saying that I do not meet the requirements on XX/XX/XXXX and denied again on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting, everything has to be 100 % accurate on my credit report. The Credit bureaus stated my account was properly investigation but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal. 
They also violated the law because according to : 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. 

The credit bureaus never did a proper investigation according to the FCRA. Listed accounts : The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or acquainted or who may have knowledge concerning any such items of information. 

They did not do this!! 

Also, they have violated my rights even more. 

In accordance with the Fair Credit Reporting everything has to be 100 % accurate on my credit report. The credit bureaus stated my account was properly investigated but how is that? If the open date inaccurate, the date last activity is inaccurate, amount inaccurate, and date last reported inaccurate. This is a violation and grounds for immediate removal.