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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Checking or savings account

talked to different people and received different answers. First ( XXXX opened an issue to be investigated ) thought it was a mistake and second ( Supervisor ) said it was valid and must be agreed to to continue use of BillGo ( BillPay ) service CapitalOne is migrating to new Bill Pay service ( BillGo ) and requiring agreement to a new Terms and conditions. This T & C and some questionable sentenaces. Highlights below followed by Complete T & C as go XXXX ==T & C Snipets ( Highlights surrounded by **** >The Service is currently being provided as ****a " pilot '' or experimental version intended only for testing purposes ****. The pilot is being done to provide us with feedback on the quality and usability of the Service.< ... > Be aware that the pilot might have errors or inaccuracies that could cause failures, corruption or loss of data and/or information from your Mobile Device or other devices and from connected peripherals. You should back-up all data and information on your Mobile Device prior to using our pilot Service. **** We may, but are not obligated to provide any maintenance, technical or other support for the pilot.V > and mini NDA sentence >Use of all pilot software and related information **** is considered confidential information until released to the public by us. **** < ===== The full T & C Terms and Conditions for the BillGo/BillPay service in attached TXT file
Product: Credit reporting or other personal consumer reports

Under 15 USC 6801, Congress mandates that financial institutions have an ongoing responsibility to respect the privacy of their customers and protect their personal information. These institutions, which furnish data to credit agencies like Equifax, XXXX, and XXXX, are required to handle this information with care. However, I was never informed of my right to opt out of information sharing as required by 15 USC 6802 ( b ) ( c ). This explicitly states that a financial institution can not disclose nonpublic personal information without giving consumers a clear explanation of how they can exercise their nondisclosure rights.

According to 15 USC 1681 Section 604 ( a ) ( 2 ), a consumer reporting agency may only share a consumers information if they have written consent. Equifax, XXXX, XXXX, and the furnishers of information have no such consent from me, and I am formally revoking any consent, whether written, verbal, or implied. 

Under 12 CFR 1016.7, I also have the right to opt out of information sharing at any time. Therefore, I am exercising this right to opt out of all reporting services with Equifax, XXXX, XXXX, and any associated furnishers of information. 
The Fair Credit Reporting Act ( FCRA ), under 15 USC 1681 Section 602 ( a ), emphasizes that consumer reporting agencies must exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. Equifax, XXXX, and XXXX, as consumer reporting agencies, are not meeting this standard. 

Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information on credit reports if it is older than seven years, except for criminal convictions. The adverse information they are reporting about me violates this rule, as it is both unauthorized and outdated. 

Moreover, 15 USC 1681s2 ( A ) ( 1 ) ( A ) specifies that no entity should furnish information to a consumer reporting agency if they know, or should reasonably know, that the information is inaccurate. Under 15 USC 1681e, every consumer reporting agency must maintain reasonable procedures to ensure compliance with these requirements and prevent violations, which Equifax, XXXX, and XXXX have failed to do. 

These violations of federal laws infringe upon my rights as a consumer. I demand immediate corrective action and compliance with the laws cited. I am formally revoking all permissions to share, report, or disclose my information and opting out of all reporting services.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you adjust this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXXXXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Account # XXXX I contact the consumers reporting agency notifying them that there was inaccurate information on my report. They just responded that the information was verified. Without solving the true issue at hand that a debt collector was reporting false information on my report which was damaging my credit file. 

Looking at my report it states that the company last date active was XX/XX/XXXX and their last time reporting was XX/XX/XXXX. That concerns me. I am worried about my protection and who is really generating this false information.That is impossible. The company is also stating that I payed as agreed with XXXX and XXXX but is 30days late with Experian. On the exact same date. Again impossible. This information is inaccurate. 

15 U.S. code 1681s ( A ) ( 1 ) A States 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. 15 U.S. code 1681e States Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c. This title and to limit the furnishing of consumers reports to the purpose listed under section 1681b of the tile.
Product: Credit reporting or other personal consumer reports

On the morning of XXXX i was notified via email that a credit card was applied for under my name. This was alarming as i had not applied for any credit cards. I logged onto my Transunion report and realized that this was in fact real. I called the company in question and was told someone must have stolen my identity and that there was nothing they could do about it, except send me a form. And that i have had an account for nearly ten years with them, which was false. I have never heard of this institution. I was then hung up on. I called back about 20 minutes later and was notified that " my account has been transferred to a different institution. ". 

I contacted Transunion and was told that the reporting institution needed to send them a letter so this mark could be removed from my credit report, and now the institution wont answer my phone calls. I want this taken off my credit report as my identity was stolen. This institution i believe may have also been part of this as they refuse to offer any guidance and immediately tried to hide anything they did.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX way XXXX XXXX, Texas XXXX XX/XX/XXXX Dear ( XXXX ), I have reviewed my report recently. There were names and addresses on it that are incorrect - spelling errors or just plain wrong from my credit report, as allowed by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i and the Metro 2 credit reporting guidelines. It has come to my attention that the following information on my credit report is incorrect : PLEASE FIX EVERYTHING IN MY PERSONAL INFORMATION THAT IS NOT THE FOLLOWING : 1. PLEASE UPDATE MY NAME TO : XXXX XXXX XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX way XXXX XXXX, Texas XXXX XXXX. MY ONLY SOCIAL SECURITY NUMBER : SS # : XXXX XXXX. MY ONLY AND CORRECT DATE OF BIRTH : Date of Birth : XX/XX/XXXX XXXX. MY ONLY EMPLOYER IS : N/A I DO NOT WISH TO HAVE MY PHONE NUMBER LISTED ON MY REPORT. 

Moreover, I request the removal of any other personal information currently listed on my credit report that is inaccurate and does not pertain to me. Specifically, I demand the removal of all other addresses from my report, as they are not deliverable to me by the XXXX XXXX XXXX and are not reportable under the FCRA due to their inaccuracy. 

I have attached a copy of my identification card and a recent { bank statement/utility bill/ID } for verification purposes, as required by the FCRA. 

Under the FCRA Section 611 ( a ) ( 1 ) ( A ), I am entitled to a free copy of my credit report once you have completed the necessary updates. Kindly provide me with an updated credit report so that I may verify its accuracy.

As the FCRA stipulates, if you are unable to complete the investigation within the 30-day timeframe, you must remove the disputed information from my credit report. Additionally, I would like to remind you that under the FCRA, 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), you are required to notify me of the results of the investigation within five business days after it is completed.

Thank you for your assistance in resolving this dispute. I look forward to receiving an updated credit report from your agency. 



Sincerely,
Product: Vehicle loan or lease

On XX/XX/XXXX, two amounts were taken out of our checking account by Toyota Financial for the payoff. One amount was for {$2800.00} and another amount was for {$2800.00}. 

The payoff amount was {$2800.00}. We received a credit check of {$1.00} Toyota has not responded to my requests to refund the second withdrawal of {$2800.00} and they do not even acknowledge having received it. The second amount does not even shown up on our " payment history '' on the account. indicating that they are not acknowledging having taken the money. They have been uncooperative and unresponsive to repeated requests to address the issue. 

The overpayment was made by me " on accident '' as I did not see that the first payment had gone through - it was not showing up on my account with Toyota. 

I am going to my bank tomorrow and reporting this as well, XXXX XXXX XXXX. Our checking account number is XXXX. Phone number XXXX. 
The Toyota Account Number is XXXX. It was for a XXXX XXXX XXXX.
Product: Credit card or prepaid card

I received a credit card in the mail today that I did not apply for. It has someone else 's name on the card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reason to believe that my XXXX year old son has had his Social Security Number compromised. I am getting five to ten phone calls a day for him to help fix his credit, pay his bills, people claiming to be the IRS, etc. I also started receiving credit card approvals in the mail, and credit applications for him. I am filing a police report, and also will be contacting all three credit bureau 's, and the Federal Trade Commission.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX DBA XXXX XXXX XXXX has been calling me since around XX/XX/XXXX for debt that they allege i owe. I have asked them multiple times to stop calling me as i am not sure what they are referring to. However i am of poor health and the constant calls have been worsening my health as they bring unnecessary stress which further worsens my health. I finally sent the company a cease and desist letter through certified mail to the company and it was received on XX/XX/XXXX by XXXX XXXX. Since than i have received another collection call dated on XX/XX/XXXX from phone number XXXX. I informed the representative of my letter and hung up however i am worried that they will disregard this letter if they are not given some sort of penalty for violating the law and continuing to contact me. any assistance is greatly appreciated.
Product: Credit card or prepaid card

On XX/XX/2022, at the end of the day ( payday ) after checking my balance there were 2 charges for XXXX that I didn't make. I immediately called XXXX thinking they allowed someone to order on my account, but after providing the names of the restaurant ( one in XXXX XXXX ), I advised that was not my purchase. I also provided information on my XXXX account that my last order was on XX/XX/2022, but to no avail. I received a result of denied in a matter of minutes and they couldn't have reviewed the email I sent. The agent I spoke with the name was XXXX. I called back with an appeal and spoke with XXXX who stated he found the email ( I had sent it to the wrong email address ) so they couldn't have reviewed it. Again, they immediately declined the appeal which I do not understand because I sent proof and this time, supposedly, XXXX attached it to my appeal. I didn't make those XXXX purchased on XX/XX/2022, one for {$76.00} and the other for {$72.00}.
Product: Debt collection

Safco is still reporting on my credit report for over 7 years
Product: Payday loan, title loan, or personal loan

Shortly after I got the loan from this company they fraudulently took money out of my bank account without my permission they wrote a check and took money out of my bank account when I never even had a checkbook or anything like that I contacted my bank and they fixed the issue within my bank account but the company fraudulently took take money out of my account under false pretenses. When I contacted the loan company about this they hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX  Credit Bureaus Have Bankruptcy on these 2 credit agencies since XX/XX/XXXX and would like to have removed since 8 years old. I have good credit standing and would like to apply for student loans for further education however not able to to since this record is still on there.

I placed complaints to both companies and they will not remove due to they state it will not be removed until XX/XX/XXXX.

Any assistance would be great so I apply for student loans for education.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company do not have my name or social right or address
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

Here is the list of items which do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7100.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} ; XXXX ACCT XXXX Balance : {$0.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, MO XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I signed loan documents for a loan in the amount of {$20000.00}. They offer a .25 % discount if you allow them to send the majority of the funds directly to your other creditor. They were supposed to send payment to my other creditor in the amount of {$16000.00}. My other creditor never received the funds. I have called SOFi bank about 6 or 7 different times and get a different response each time. They said to wait 10 business days in order for a check to clear. I waited and check still hasnt been credited to my other creditor. I called my creditor and they told me Payment was not received. SOFi Bank claims they did research and that the check was cashed on XX/XX/XXXX and provided me a check number but claim they cant provide me a copy of the transaction. They are unable to tell me who cashed the check or even where the check was mailed. They are also unable to provide me with a resolution as they keep saying to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've been trying to get a look at the my credit report from Experian but I 've had no luck with them. I tried joining their service and still no luck. 
It is impossible to get my personal info from them which affects my life. 
My score from XXXX is XXXX and XXXX is XXXX so why is my Experian is at XXXX. The Experian is stating that I 've seriously delinquent account but I do not.
Product: Debt collection

Hello i wanted to get the following inquiries deleted for i did not authorize these companies to run my credit which is fraudulent.
Product: Credit card or prepaid card

I have had a number of hard and soft inquiries into my credit recently that I did not consent to. These requests were for things like loans and credit cards which I did not authorize. 
The mailboxes at my apartment building have been broken into a number of times in the last several months and I have had many personal items stolen such as my renewed drivers license, pre-qualified credit card notifications, among others. 
The only thing I have to identify the requestor is the email address that have been using to send these requests our which is XXXX Here are the three hard inquiries which have been dealt with through each respective organizations ' fraud department : XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX Bank XXXX XX/XX/2022 Here are all of the soft inquiries made as reported by XXXX : XXXX XX/XX/2022 XXXX via XXXX XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX XXXX GOLDMAN SACHS 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 APPLE CARDGS BANK XXXX XXXX APPLE CARDGS 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

Company : Transunion I have attempted to cancel my subscription with them for many months. First, I tried to call and was placed on hold. Then when an operator picked up my call, I told them I wanted to cancel and they disconnected. 

Then I tried to use their online form at this link : https : XXXX When I logged in, the page doesn't advance - it keeps looping. 

Then I sent a message on XX/XX/2021 through their site to keep from being charged in XXXX. They said they would send a confirmation to my email. It never happened and they charged me again today. 

They have intentionally made it difficult if not IMPOSSIBLE to cancel the subscription and have been taking {$26.00} out of my account for months. 

I had to cancel my debit card today to change the number just to keep them from charging me.
Product: Credit reporting or other personal consumer reports

I recently disputed again with XXXX XXXX XXXX, and they still haven't sent me any documentation bearing my signature on it that I've requested. Under the Act FDCPA, 15 U.S.C. 1692g, XXXX XXXX XXXX failed to provide validation of the debt, including the original contract, who funded the account, and my obligation. Furthermore, XXXX, transunion, and XXXX have continued to report these unvalidated accounts, causing significant harm to my credit score and financial state. XXXX XXXX XXXX has engaged in unfair and deceptive practices, including misrepresenting the debt and the authority to collect towards me. By 15 usc 1692e, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt in which XXXX is violating my rights. Also, it they violate the law under 15 usc 1692j, which states it is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. I have no contract or know anything about this company. I've requested over and over and still received no proof. This is identity theft. They continue to furnish information to my file without me knowing who they are and NO consent to do so. To share my information and furnish incorrect information is a violation my rights without any knowing or consent to do so. Furthermore, reporting false information, harming my character, sharing my information and recovering my information to use, communicating in my file, with no consent or form of agreement to do so is against the law. You can not furnish information knowingly incorrect to my file, my report must be XXXX accurate at all times by 15 usc 1681eb, maximum accuracy.