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

I did not authorize hard inquiry from XXXX XXXX XXXX dated XX/XX/XXXX. I contacted XXXX XXXX XXXX about it right away when I got alert from XXXX Credit bureau. I believe, I am victim of identity theft. XXXX XXXX XXXX said they sent request XXXX different times ( first in XX/XX/XXXX, second time XX/XX/XXXX and third time in XX/XX/XXXX ) to all credit bureaus to delete the inquiry. So far only XXXX has updated my record by deleting unauthorized hard credit inquiry. Contacted XXXX and Equifax to dispute via phone and online with no luck and denying that they have not received any deletion request from inquiry originator.
Product: Credit reporting or other personal consumer reports

I noticed some fraudulent inquiries on my credit report that I did not authorize. Please remove them immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following companies has violated my rights. 

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 Co. 
XXXXXXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX NO NAME COMPANY? 
XXXX XXXX XXXX XXXX Dept. of Ed/XXXX XXXX 15 U.S.C. 1681 Section 602 A states I have the right to privacy. 
15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission. 
Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights.
Product: Checking or savings account

I received a letter from Netspend bank with a debit card and checking route and account number on XXXXXX/XX/year>. However I never opened the account. They opened the account for me without my knowledge. 

I called the bank on XXXX I was told that as long as I don't activate the debit card, I'm good. That's a fraud. They opened my account without my knowledge.
Product: Credit reporting or other personal consumer reports

Under the doctrine of estoppel by silence, as referenced in Engelhardt v. Gravens, it is presumed that no evidence of the debt exists. I demand the immediate removal of these items.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deducted 24 points from my credit score last month and I can not get a reason for this change from them. They had no reason to deduct 24 points from my score. I am filing this complaint to get this solved.

I have been working hard to get my score higher and I have been paying my bills on time and should not have any deductions from my score.

This goes on continually and there seems to be no one monitoring what the credit reporting bureaus are doing. 

I want my score reviewed and my points returned and updated like they are supposed to be. I also want to know if race is a factor that is used to rate credit, since I know algorithms are utilized to manage our credit scores and is a process or set of rules to be followed in calculations or other problem-solving operations designed by man. 

Thank you. XXXX XXXX
Product: Debt collection

In XXXX of 2019, I received one communication letter from Hayt, Hayt, and Landau saying that a debt from a third party debt collector that they were assigned " my account '' and that a lawyer would be in touch. Well, they were in touch alright, right to court. I had a police officer come to my house a demanding to state my identification and then handed me a summons to small claims court. There was no contact before the summons to mediate the supposed debt. After, I received the summons I made a few attempts to contact Hayt, Hayt, and Landau to discuss the case to avoid going to court. They would never answer the phone or return phone calls after messages were left, there voice mail states they return phone calls within 48 hours. Fast forward to XXXX, I arrived to the court house from supposed mediation as started on the summons, there was no mediator, just another attorney representing them. I had documents that showed that the debt is not correct and even bogus. The attorney did not want to see the documents, all she took was a piece of paper stating I was disputing the debt with the third party debt collector. There was no mediation, all they wanted was for me to agree to pay {$3800.00} on a debt they claim is only {$1100.00}. So, over three times the alleged debt. When I refuse the {$3800.00}, the attorney told the judge that we could not come to an agreement and request a trial. The judge then proceed to tell me that if I lose, all my assets and maybe my husbands assets would be taken and sold ( cars, house, etc. ) and if there was any money left after the sales, I may get it back. In addition, I had to retain an attorney to fight this debt and Hayt, Hayt, and Landau knows this, but they are still sending legal documents to me via mail, instead of my attorney 's office. I would talk to them personally, if they were willing to mediating fairly. Finally, they represent themselves as attorneys exclusively, but hearing their voice mails, they are actually debt collectors.
Product: Money transfer, virtual currency, or money service

PayPal has failed to communicate properly with me around a dispute I reported to them on XX/XX/XXXX. After reporting the problem, PayPal web site prompted they need to contact the seller of the digital goods ( that I never received ). They confirmed recently they never heard back from the seller but then closed the case without properly communicating the results with me via mail. They are not allowing me to escalate the issue or follow up the status of this case which is very surprising and disappointing. 

PayPal is simply denying addressing this and such cases where a customer is reporting an illegitimate payment, but the seller does not even provide any feedback ; Instead of cancelling the transaction and refunding the customer when seller does not even responds to PayPal follow-ups, PayPal refuses to proceed with the original reported problem and requires further input from the customer. PayPal should have refunded me in first place after the seller did not get back to them, or at least contacted me via mail for next steps. Even if none, they should allow customers to be able to follow the claim and not to BLOCK them systemtically from processing it. The customer service response was very disappointing when I tried to create a follow up ticket.
Product: Credit reporting or other personal consumer reports

American Express was paid in full for my accounts. After identity theft charges appeared, they did nothing to protect my account, my cards were maxed out by the person that stole my identity, and American Express refuses to remove the charges from my credit report even tho I have sent them an FTC report, Police Report and have disputed the information with XXXX multiple times
Product: Credit card

According to 15 USC 1602 ( L ) and 15 USC 1681 ( a ), I was illegally denied my own credit, Discover use my social security number and my signature and application as an asset and denied me my own credit. This is securities fraud. Corporation are not supposed to use my social security number. 42 USC 408 can't ask for social security number on loans, it's fraud. 15 USC 1692e false representation, 15 USC 1681b identity theft. All these are violations of the United States codes. My civil and consumer rights have been violated. Fico scores are illegal. FDCPA section 611. Also violation of the Fair Credit Act. My denial of my own credit is illegal. Securities fraud
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, Please be advised this is my SECOND WRITTEN REQUEST. The unverifiable and incomplete items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised that your company continues to report these unverifiable and incomplete items. These accounts can be considered falsified revenue and illegal by the IRS due to the fact these said accounts have been written off as a tax deduction. How can a payment be collected on an unverifiable and incomplete account, that has already been recorded as a tax deduction. These actions could have severe penalties for falsifying revenue reported to the IRS in accordance with the General Accounting Principles ( GAP Standards ).

Please remove these unverified and incomplete items listed below : 1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 

2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Delete this account. 

3. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

As of today, XX/XX/2021 I received a notification on my credit file that a company by the name of RMA Credit placed a balance in the amount of {$1100.00} on my XXXX credit report. 
I am not aware as to whom this company is, neither am I aware of the services that this company offers. This same company has attempted to place this information on my credit report and I had to bare through the pain to go through the hassle to get the information deleted from my report, due to me NOT having any information associated with this company. I have not ever applied for anything with this company and once again, I am unaware of the services that are offered and would not recommend that anyone deal with this company in any type of manner.
Product: Vehicle loan or lease

I've been with NFCU for nearly 25 years now. My most recent experience is why I'm leaving this review because it is likely going to cost me thousands of unnecessary dollars in sales tax. 

I purchased a vehicle XX/XX/XXXX, using an auto loan with NFCU. However, upon arriving to the DMV for title and registration, I was told that my wife had to be on the loan also, in order to be on the title and I would need NFCU to print and sign XXXX  Form, authorizing my wife to be added to the title. 

I called NFCU on XX/XX/XXXX and they confirmed this was the case. So, I opened a NEW auto loan WITH my wife as the XXXX in order to add her to the title. ( this was credit inquiry # XXXX and loan # XXXX FOR THE SAME AUTOMOBILE ). 

Upon securing LOAN # XXXX, a different rep at NFCU told me that my wife was NOT required to be on the loan to be on title and to go back to DMV and should be no problem, so we did. TRIP # XXXX to DMV, we were turned away again because state of Missouri REQUIRES any/all names on title to be on the loan. I contacted NFCU again, after emailing XXXX Form to XXXX ' XXXX separate times ( once on XX/XX/XXXX, twice on XX/XX/XXXX, and XXXX times on XX/XX/XXXX ) with attached .pdf form, requesting it each time to be signed to authorize my wife to be added to the title. 

Finally, NFCU confirmed that they faxed the document to the XXXX License office per my original request ( on XX/XX/XXXX ). 

TODAY ( XX/XX/XXXX ), upon arriving to the XXXX License office ( for the THIRD time ), we were turned away again, because the document that was FAXED from NFCU to XXXX License office was NOT the XXXX form and it was for a completely different LOAN and VEHICLE!!!!!!!! 

Contacted NFCU supervisor in titles department via phone again on XX/XX/XXXX, explaining everything again and requested for XXXX form to be printed and signed. They simply mentioned, " I'm just the messenger '' and that they mailed the form to my home address via XXXX ( this will be the SAME, WRONG FORM for the WRONG vehicle ). 

Still no solution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am owner of business called XXXX XXXX  I moved this business 6 months ago and have been desperately trying to have our address corrected. I call Experian business 3 times at XXXX and was told all 3 times all I have to do is get a copy of said business report from them for a fee and then log into report after all personal information has been verified and correct it. I also did that 3 times as there is a place there to update new address. I have now gotten 3 emails saying they have closed the case and not updated the new address. We are trying to get a bank loan and can not do so until our new address is updated so after I paid {$55.00} for another report as instructed, I still do not have this corrected. This report was purchased from Experian business at XXXX as instructed Old Address XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  Attn XXXX XXXX New Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Attn XXXX XXXX Please correct this asap
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

WORLD FIN XXXX XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT XXXX XXXX COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately.

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX ASSISTANT DIRCTOR OF ENFOREMENT CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX XXXXXXXX : STATE SENATE CC : FEDERAL DEPOSITE INSURANCE CORPORATION CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : XXXX XXXX XXXX
Product: Checking or savings account

On my ADP account ( name : XXXX XXXX XXXX, email address : XXXX, Phone # : XXXX ) I submitted a new request for a direct deposit to ADP to deposit directly my biweekly paycheck to my XXXX XXXX  account. I entered my XXXX XXXX  account and routing number on my ADP account for a direct deposit request on XX/XX/XXXX. I received an email from ADP confirming my new direct deposit. I logged in to XXXX XXXX  online today XX/XX/XXXX, to see if the direct deposit has posted to my account ( amount {$2900.00} ) from ADP, but none. On my ADP account my paycheck period ending XX/XX/XXXX has already posted. On my other bank accounts the direct deposit/s post 1 day early, before it gets posted on ADP. 

I called XXXX XXXX  twice today to verify if there has been a direct deposit to my account from ADP in the amount of {$2900.00}, there was none. I called ADP, but I could not get hold of a live person, it was all automated. It was frustrating.
Product: Credit reporting or other personal consumer reports

I sent a letter on the Credit Bureaus to remove the items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to delete or information not later than 4 business days. Ive already included these in my previous Complaint am including them again., XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To XXXX Consumer Relations According to my recent credit report request from XXXX there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 
15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA. 


VIOLATIONS OF CREDITORS & XXXX VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] (  a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be compromised. 

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXXXXXX XXXX  XXXX This creditor states I was Late on Dates : XXXX, XXXX, XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX******XXXX This creditor states I was Late on Dates : Late Dates : XXXX. I WAS NEVER LATE ON THIS ACCOUNT. CREDITOR AGREED IN WRITING AND OVER A RECORDING PHONE CALL THEY WILL REMOVE THESE LATE PAYMENTS BUT THEY HAVE NOT. A COPY OF THAT MP3 CALL FILE IS INCLUDED IN THIS COMPLAINT XXXX XXXX XXXX XXXX XXXX, XXXX XXXX** XXXX IXXXX XXXX XXXX XXXX XXXX XXXX XXXX******XXXX XXXX XXXX******XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX THIS INQUIRY IS NOT PERMISSIBLE
Product: Money transfer, virtual currency, or money service

I remitted money to XXXX through sigue corp on XX/XX/year>2024, order number : XXXX, amount {$2500.00}. I have never received it in XXXX! I asked SIGUE CORP for a refund through different methods. Now it has been 7 months, and I have not received their refund check! From the Internet, I learned that the national financial regulator ordered SIGUE CORP to stop remittance activities on XX/XX/year>2024, and SIGUE CORP also signed a consent order. The states will use the statement signed by SIGUE CORP to submit bond claims on behalf of affected customers or assist them in the claims process. I hope to receive a refund check as soon as possible!
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furhished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights.