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

To whom this may concern ; This is not a third party filing this report. I am a Natural person and I am being taken advantage of by transunion, XXXX and XXXX. These XXXX companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Credit reporting or other personal consumer reports

These hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks. 
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: Credit reporting, credit repair services, or other personal consumer reports

I had an account with XXXX XXXX. I sold the home on XX/XX/2019. I received a bill for charges incurred in XXXX and XXXX of 2019. I contacted XXXX XXXX to let them know the account was closed and I didnt own the home where the charges were accruing. I supplied the documentation showing the home being sold with the information of the new owner. The charges were supposed to be removed from my account and the account was to be closed. The account was closed but the charges were not removed. I checked my credit report and saw there was a collection amount for {$120.00}. I contacted the collection agency and gave the same information. I disputed the account on my credit report. The account was removed and then reinserted. These charge doesnt belong to me and is negatively impacting my work and ability to acquire credit. This is unacceptable. I disputed the collection again in XXXX. The dispute is still open and the collection agency ( XXXX XXXX  ) says there is nothing can do until it is over. I do not own this debt and have given the documentation to prove it. The collection needs to be removed from my report.
Product: Credit reporting or other personal consumer reports

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. 
I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Credit reporting laws ensure that bureaus report only 100 % accurate information every step must be taken to ensure the information reported is completely accurate and correct. 
The following information therefore needs to be re-visited. I respectfully request to be provided proof of these inquiries were in fact authorized with an instrument bearing my signature for legitimate business purposes. Failing that, the unauthorized inquiry must be deleted from the report as soon as possible : XXXX XXXX. XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX The listed inquiries were without authorization, and no legitimate business purposes. As such, it is a very serious error in reporting. Please delete this misleading information and Supply a corrected credit profile to all creditors who have received a copy within the last 6 months or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. Under federal law, you have 30 days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy of the completeness of the information is hereby requested, to be provided within 15 days of completion of your re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific accounts in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following accounts immediately. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Vehicle loan or lease

XX/XX/XXXX I went to XXXX XXXX XXXX XXXX to find a vehicle after i was in a wreck. Santander Consumer USA was the only lender to extended a loan at the time because my credit was still showing the totaled car. I expressed that the insurance company was paying the car off and i would not be owning XXXX cars. At the time my credit was not bad at all it was in the mid XXXX however Santander assessed an APR OF 19.28 % which is ridiculous. I didn't have to put any money down on the vehicle yet the interest rate was through the roof! Now XXXX i have experienced hardships of which i advised them of and they still refused to work with me. Even saying that i need to pay more than the current payment although I expressed to them that i am currently facing eviction! I have tried to work with them and pay them to prevent me from being homeless and without a car. They called me everyday after i told them i would pay them when my car note was due. At this point its harassment. I am being stressed out from the thought of a car being repossessed and rightfully so i feel as if i have paid the car off twice if not XXXX times!
Product: Credit reporting or other personal consumer reports

15US 1681 rights to the privacy act My information was exposed in a data breach
Product: Debt collection

Unknown caller ID # calling, an " investigator '' calling ; she said was from the Eastbrook Group and made it sound like it was a legal case and if I did n't call her back in 72 hours I would forfeit " the legal remedies '' ... The call back # XXXX.
Product: Credit reporting or other personal consumer reports

As I was checking my credit, I noticed some unfamiliar inquiries on my credit report. I didn't authorize these inquiries.
Product: Debt collection

Person claiming to be from portfolio recovery llc making threats stating I owe {$850.00} or they are taking me to court. He stated I have ignored their calls or mail. Something about a payday loan, which i have never gotten a loan from a payday loan ever or any type of loan in years. They are threatening to arrest me. See attached.
Product: Credit reporting or other personal consumer reports

Having problems with all these second and third party consumer reporting companies selling my data to the three major credit bureaus without my consent, also I have been trying to opt out/freeze my data with these companies since XXXX XX/XX/year> to present, but nothing have been resolve and my credit with the three major credit bureaus have been incorrect since! XXXX XX/XX/year> to present, I will have a list of these consumer reporting companies on the second part of my complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian several times via phone online, and via first class mailings on many occasions in regards to several accounts that were placed in my name that did not belong to me and that I did not authorize or was not familiar with. I get the same results and I have had it, It makes it look very bad on my credit report, and reporting negatively. I am trying to refinance something on my credit report and it makes it difficult when theyre checking credit, and I have negative accounts that does not belong to me reporting inaccurately. I have disputed and reach out to Experian several times and they say the same thing over and over, The companies either need to send proof or validation or it needs to be removed. This account does not belong to me. I've done the FTC Identity Report XXXX, I've called and they've told me that their handling it and they received proper paperwork and I should see an update and I never do. The last rep I talked to stated she was in special handling, I haven't had any luck with this. the following accounts that are reporting are : XXXX XXXX acct XXXX, XXXX XXXX acct XXXX, XXXX XXXX XXXX acct XXXX. When I file a complaint they instruct me to file dispute with them directly which I do just to keep getting the same results. I have even sent copies from XXXX & XXXX showing that they deleted items that Experian keeps saying verified. How can they all be using the same information but some bureaus are correcting items & the other is saying verified which is totally incorrect.
Product: Credit reporting or other personal consumer reports

m reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously tarnished my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Product: Debt collection

was never informed of the mltiple charges, despite having full heatlh coverage as well XXXX room co pay which was paid at time of service around XX/XX/2020
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 at XXXX. The company XXXX XXXX stole {$300.00} from my NetSpend XXXX account. I immediately called the bank and told them it was a fraudulent charge and to stop payment. Then proceeded to cancel my debit card and order a new one. The bank can't give me any info on the company that took my money other than it is a restaurant. No phone number, no address, no email etc. In order for me to contact them and resolve the issue. I can't find any info at all on the company either. Now it's been a week and a half and I've spoken to the bank almost everyday about this pending charge. They told me i have to wait until the charge for thru in order to file a dispute, and i have to wait 30 with it pending before returning my money. I think the bank is fraudulently using my money or stealing it. Every time i call I'm put thru a circle of the same " supervisors/mangers '' that are rude and don't want to allow me to talk to upper management at all. Then they either hang up on me or make me start all over from the automated phone system.
Product: Mortgage

I took out a personal loan with XXXX XXXX and XXXX XXXX to build a pool. The company said that I could not qualify for a Home Equity Loan which would place a lien and provide better rates and terms. This is the reason we did the as a personal loan. After the loan was booked it was brought to my attention that the company did in fact file a lien. This lien is now preventing my ability to refinance our mortgage for a lower interest rate. Aqua Finance and XXXX XXXX provided my an unsecured rate on a loan and did not disclose the fact that the loan is in fact secured through their lien on my home. This is a deceptive and abusive practice and is also against the XXXX XXXX  XXXX Home Equity Lending laws
Product: Debt collection

Portfolio Recovery will not provide the original contract. They send fictitious bills with random amounts. I have several screenshots of error messages on their website when I am trying to see this account. I have sent several emails without a response. I would have no problem paying them if I owed like I did on XXXX previous accounts but this one I do not owe. Also, I have screenshots showing no debt owed from PRA website during the time that they are stating I owe. How are they substantiating the debt if currently I can not access said account of an error and previously it said I didnt owe. CFPB please help!
Product: Credit card or prepaid card

Chase Saphire credit card has points attached. Used points for travel and canceled travel within cancellation terms. Chase has not refunded my XXXX points worth {$2000.00}. They keep escalating the issue with no resolution.
Product: Money transfer, virtual currency, or money service

I wired millions from BOFA to what ended up being for cryptocurrency. I was never told by BOFA from the beginning that it could be a scam until it was too late after I had already transferred/wired money and I ended up losing about {>= $1,000,000} which Bank of America should compensate me. The transfers were mainly made from the savings account and may have also been made from the checking account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently sent a list of accounts that were reporting incorrect information on my credit report, to the credit bureaus. There were supposed to investigate the accounts and respond to me within a month. It has now been two weeks over a month, and they have not responded yet.
Product: Debt collection

I checked my credit reports and viewed that AFNI, Inc. placed another collection record on my credit report. On or about XXXX XXXX, 2016 I filed a complaint with the Consumer Financial Protection Bureau ( Case # XXXX ). On or about XXXX XXXX, 2016 AFNI responded to my complaint by stating they will cease communication and that AFNI, Inc. does not own my account. The amount that AFNI, Inc. wanted me to pay was {$550.00}. In reference to the recent actions of AFNI Inc. placing another collection record on my credit report which is damaging my credit worthiness and credit score stating that I owe {$220.00}. AFNI, Inc. knowingly and willingly violated the Fair Debt Collection Practices Act ( FDCPA ) & The Fair Credit Reporting Act.
Product: Credit card or prepaid card

On XX/XX/2021 I was made aware of a derogatory mark on my credit report ( XXXX, XXXX, and XXXX  ) per XXXX. Upon further observation, this account was paid in full and the account was closed ( account # XXXX ) with FNB Omaha. FNB Omaha has violated my rights as a consumer and I am requesting legal action to remove this derogatory account immediately. Debt was paid in full two years ago and has a {$0.00} balance but is still currently appearing on my credit score in collections and I wish to have this account taken off immediately. I have reached out to FNB Omaha in reference to the incident but havent received any feedback.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 I pulled my credit report and saw that Experian was reporting a collection from XXXX XXXX without my consent and violating. 

XX/XX/2023 I mailed my letter to Experian requiring them to provide validation that this is my debt. 

XX/XX/XXXX Marked 30 days for them to review and address the situation. They have not validated or provided any dispute results. 

Pursuant to Fair Credit Billing Act 15 USC 1666, Experian is violating various laws, one of which is : because no one can report something negative until the investigation is complete.
Product: Checking or savings account

Rewards I've contacted the customer service department for bank of America a few times and each time they said something different like it takes 30 days from purchase date and were waiting on the company to send it back and it will be there on XX/XX/XXXX and now they tell me that I had to click on a special link to receive my cash back not only the rewards button in the app that said active
Product: Credit reporting, credit repair services, or other personal consumer reports

I use the Credit Karma app on my iphone because I am trying to rebuild my credit. one of their suggestions/promotions is to apply for a personal loan and they have several to choose from. I saw one and only one that I started filling out the loan app where Credit Karma sent me. At some point, I reconsidered, ( didn't want more credit, want LESS ) so I changed my mind and left the site and got out of the CK app. 
Can't remember what day I did this but it was around XXXX XXXX, 2022. On Sunday, XX/XX/XXXX, I received an email from XXXX XXXX ( Or XXXX XXXX-it 's very odd ) entitled " Credit Decision Notification ''. I was certainly surprised since I had NOT COMPLETED nor SUBMITTED the app. 
I contacted both Credit Karma and XXXX XXXX. I was told by XXXX XXXX that the Referral Source ( ie, Credit Karma ) sent my loan request to potential creditors and they were but one. They deny any responsibility for receiving the app and I agree. Credit Karma has not given me a straight answer to this question and I think it is one that all consumers who use their platform will be interested in knowing the answer : HOW DID MY UNCOMPLETED APPLICATION GET SUBMITTED WHEN I DID NOT DO IT??? 

Credit Karma gave me a case number on Monday after my first email but since then I have gotten nothing but what appear to be form letters. None of them answer me as if they really don't understand my question. 
My case number is XXXX. 

I have screenshots on Credit Karma that show I did not complete my search. If I can attach them here, I will. 

Again, I DID NOT complete the loan app and I did not submit it.
Product: Vehicle loan or lease

XXXX XXXX Chase Auto Finance is my car loan holder for my XXXX XXXX XXXX vehicle. I have called them several times in the last 30 days and was adivised an extension could be granted from their " redemption department '' due to the 2 states of emergencies declared by governor XXXX XXXX and fema. First was the XXXX XXXX riots and curfew last month. Second was the XXXX XXXX shutdown and hack. This has impacted my ability to get product to sell and has financially shut down any source of income for me. Twice I was read long scripts and I accepted what I thought would be an extension from the redemption department due to the above. To date though it is still showing its normal due date of XX/XX/XXXX. In the past this happened and it impacted my payment history on my credit scores. Florida has a 14 day period where late fees arent charged as we all know. However as of this moment the extension is still not processed. Please confirm and update this aforementioned extension as we are close to the deadline. Please provide details of this. Many more wasted phone calls. XXXX XXXX chase financial has ruined my credit and life with this stuff.
Product: Credit card or prepaid card

I saw a credit card with XXXX balance on my credit report and I didnt apply for a card with this bank and I called and told them about it and the card and statements were send to a vacant adddress and I told them about it and they told me in order for them remove the charge then I have to send in my bank statements but I dont have a bank accounts in my name and I live with my parents and my mom takes care of me ... and I didnt apply for this credit card and Im keep getting calls from debts collectors and I explain this is not my account
Product: Credit reporting, credit repair services, or other personal consumer reports

The company reported my account delinquent in XX/XX/23 but I was never delinquent. I sent multiple letters to the credit bureau to get First Digital to provide proof and validation they have refused to do so. Now theyre reporting me as over there limit on my account and not. They charged me a late fee and I was not late. I spoke to first digital and they have refused to solve the problem. 

This has been an ongoing concern with this credit card company. Theyre being malicious and reporting incorrect account information
Product: Credit card or prepaid card

This is a follow up to my complaint # XXXXsee copy attached. In response to that complaint, I received the attached letter from Comenity bank dated XX/XX/XXXX. This totally unacceptable generic response to my issues with Comenity Bank is attached. It provides absolutely no details regarding what they did to investigate, what they found or didn't find find, their efforts to locate the money previously sent to the bank, any acknowledgment that they received documents which were sent to them at their request, or any other detail regarding their 'investigation '. In addition, they make a generic request to send supporting documentation which was already sent to them. Their 'generic ' letter is meaningless and most likely a 'standard ' letter sent to everyone and anyone. This has been going on for months and their incompetence is simply inexcusable. Since they asked me to respond to their letter 'with any further information ' I attach my response to them dated XX/XX/XXXX. 
I did receive a generic letter from them prior to their XX/XX/XXXX letter which simply acknowledged the complaint and they would be looking into it, which they have allegedly been doing since XXXX. Incredible incompetence.
Product: Debt collection

In XX/XX/XXXX, we were first notified in writing of a debt collection agency was pursuing a debt owed on a credit card account of {$1700.00}. The notification from the debt collector, XXXX XXXX XXXX ) was the first instance of ever being notified that an account existed and that there was money owed on the account. Based on the info I received in this notification, I contacted XXXX who line of credit was opened through and was hung up upon. I then checked the XXXX credit reporting agencies and confirmed that no line of credit was ever open with XXXX. The only record of this line of credit is when XXXX XXXX XXXX, began to work in pursuit of collecting the debt and reported the collection to the various bureaus on XX/XX/XXXX. There is no record of ever opening this line of credit with XXXX XXXX incurring the debt from XXXX XXXX, or being notified of the debt from XXXX XXXX  before the account being sent to XXXX. I have continued to respond in writing to XXXX and their legal team XXXX XXXX XXXX XXXX XXXX XXXX  and repeatedly have asked them for the signed authorization when the line of credit was opened and the purchase that created this debt. I have only received an Account Statement from XXXX XXXX from XX/XX/XXXX that shows the amount owed {$1700.00} it is not the statement showing the original purchase, and nothing has ever been provided showing the line of credit authorized to be open. I will add that the address on this statement is a home address that I have not lived in for over XXXX  years which is very alarming and concerns me that this could be fraudulent as well. There is potential that this line of credit was opened fraudulently, but I'm unable to file a police report as I have nothing to show that this line of credit even exists. The last written correspondence from XXXX XXXX XX/XX/XXXX XXXX states that they have received and reviewed the dispute but they still feel the debt is owed. I do not owe this debt. My credit report can serve as evidence that the account was never opened, and XXXX XXXX have yet to provide any of the requested documentation.
Product: Payday loan, title loan, or personal loan

My account wont link when it already has previously
Product: Debt collection

and disputes, but am not succeeding in this process. 
Please help me in the matter. 
Thank you.