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

This is XXXX XXXX and I am submitting this CFPB Complaint regarding the fraudulent accounts and information I found on my Credit File. 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 accounts 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/block any accounts 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$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 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. 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 the identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been XXXX  XXXX XXXX  for my student loan for the last 8 months. I pay as early as possible yet i get a late payment on my credit report from XXXX XXXX
Product: Vehicle loan or lease

My name is XXXX XXXX XXXX XXXX, and I currently have my vehicle loan with Westlake Financial, with a balance as of today of {$23000.00}, for which I have duly paid 14 installments, as can be verified. Since XXXX, I have tried to communicate with the entity because they have refused to report my credit information to the various credit bureaus. On several occasions, I have contacted them by phone, and the customer service supervisors state that they will not report the financial information ( current credit, payment behavior ) because my social security has the initials of a work permit. I expressed my disagreement because at no time does financial information law exclude people who have a social security number with a work permit. There is no regulation that establishes these conditions that Westlake Financial invents. This situation is affecting me and my family, as it is well known that credit is an essential tool since it is through this that banking entities obtain information to grant mortgage loans, housing loans, student loans, and others. I currently enjoy an excellent credit status due to my banking relationship with different financial entities. However, the reason for my complaint against this entity is that they state that they will not report my vehicle credit information because I do not meet the requirements they have set. Likewise, it is disrespectful that they refuse to receive the complaints and claims I have made, as all their agents have told me that they can not escalate my case and that they can do nothing for me. 

Now, I emphasize again with the entity, on the point of current legislation, because the entity can not exclude me from reporting my credit information due to its internal policies. In the law or all the international treaties signed by the United States, there is no exclusion for people to report their financial information to credit bureaus for having a social security number with work permit initials. Moreover, as a financial consumer, the entities could not qualify my immigration status and thereby exclude me. It is a matter strictly for government entities responsible for immigration statuses who could exclude me. However, obtaining a social security number, even though it comes with a work permit initial, does not mean that I can not enjoy all the financial benefits that the law grants me, including obtaining financing from financial entities. This constitutes a clear violation of my fundamental rights as a financial consumer by the entity. It is for these reasons that I file this complaint, in order to make Westlake Financial report my vehicle credit, which is associated with account No. XXXX
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. TransUnion has low and unfair credit number for me in their report. I have complained more than 68 times nonstop this is exhausting they are not putting these fraudulent inquiries in dispute and they still haven't deleted them either I am depressed. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 90 days straight with transunion i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with Transunion. 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 negative account 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 Transunion more than 21 times. transunion 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 im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im XXXX  now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be XXXX  please help
Product: Checking or savings account

The company BB & T has an HSA account that I have tried to close out and they informed me I would have to report to a branch in person because my account was inactive. I explained they dont have a local branch. They would not update any of my information, not address or name change from marriage. I am hoping there is legal protection for me to not have to drive an hour or further away to go to this bank when I have never had an in person visit with them.
Product: Credit reporting

I have contacted Transunion for several years about their reporting tactics against me. This credit bureau reporting company places information on the file like wrong social security numbers, addresses, DOB, and other material that belongs to others. Numerous of statements have been added to prevent this problem from occurring ; however, it has been ignored for years. 
the most recent report has student loans that are closed or has been removed as open and is reflected in my overall credit debt owed. The information is incorrect and has caused problems with my security clearance updates. I have written to Transunion and called about this issue. They will fix it while your on the phone but 2 weeks later the information reverts to being the same old problems I believe there is a problem with the reporting systems and would like to block transunion from providing any reports about me to anyone. The information is invalid and creates more problems than what it is worth. The other XXXX agencies have their issues but not to the point where it is repetitive and causes harm.
Product: Debt collection

I was force to move out my apt early because the neighbor would complain about my visitors so I did and I pay my last month rent but than I check my credit and they charge me {$940.00} never sent me a letter in the mail for what these charges were for so when I called they said I owe this amount and I asked how if I pay my rent for the 30days I was there because they made me moved and I did n't even get evicted
Product: Credit card

I am a victim of identity theft. I have been disputing a Target account that does not belong to me.Account # XXXX. This account is in dispute with all XXXX credit bureaus as well as Target, and several government agencies. 

Target then, knowing the account was in dispute, CHECKED MY CREDIT. They had no authorization to do this.
Product: Credit card or prepaid card

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

XXXX XXXX XXXX  XXXX Opened XX/XX/2015 Balance {$1400.00} // Late Open XXXX ***** Opened XX/XX/2015 Balance {$1400.00} // Late Open
Product: Vehicle loan or lease

My vehicle was repoed due to delinquent payments I haven't been able to work & during XXXX repping my vehicle my drive shaft, transfer case and front differential transfer were broke during repossession because the key fob wasn't present at the time of them pulling/taking my XXXX XXXX XXXX XXXX XXXX XXXX the differential and transaxle & transfer case all XXXX were broken during repossession that took place at XXXX XXXX XXXX from XXXX XXXX XXXX on XX/XX/XXXX. They did not use key fob & damage my suspension underneath my vehicle. Now it's leaking oil through transfer case and axle plue XXXX XXXX XXXX XXXX XXXX XXXX differential. Over $ XXXX in damages & repair needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently applied for an apartment and I got denied. I don't understand why I would be denied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I HAVE FILED A COMPLAINT ON FTC AND HAVE CONTACTED OUR LOCAL POLICE. I AM DOING THIS ON MY OWN.
Product: Debt collection

Constant calls from a company called Hunter Warfield out of XXXX Fl,, last call XX/XX/XXXX at XXXX ; XXXX. They keep saying they locked my XXXX account which is NOT true, I have a XXXX balance on my XXXX account & even XXXX customer service says there are no issues.. 
When I call this company at XXXX XXXX same number that keeps texting me they will not help without personnel info which I am not giving them because XXXX says there is no issue with my account!
Product: Credit card or prepaid card

I was given an Uber gift card. 
When I tried to use it, it had a balance of {$5.00} less, which implies to me there was a {$5.00} surprise activation fee. ( It also gave an error, which is not the basis of this complaint. I wrote them about the error. ) The Uber terms and conditions do not include a {$5.00} activation fee. 

I have provided information on the only {$5.00} fee I could find, a ride cancellation fee, to show it does not apply.
Product: Credit card or prepaid card

I opened a dispute with the Go-Program ( XXXX, Way2Go Card ), on XX/XX/2022. After my purse with wallet inside was stolen from the airport. The card was used after my son 's father paid his arrearage of {$3600.00} out of the blue without me knowing. I only found out when I received a letter in the mail from the XXXX of the XXXX of XXXX XXXX. I looked at the app on my phone and noticed that the amount was loaded on the Way2Go card and noticed several transactions and immediately realized that I did not re-order a new card due to my son being XXXX now and never really receiving more than {$50.00} from him on that card in the past. I didn't have a valid number to reach out to Way2Go, so I started XXXX ways to reach them, and finally got to a live person, but only by putting incorrect information in the automated system. On XX/XX/2022 I spoke with a live person and was told in 7 days that I would receive a questionnaire form and to complete it and email it back to them asap. The form took over two weeks, and when I receive it, I completed it that same day and sent it back ASAP on XX/XX/2022. My dispute was denied due to my card being used in XXXX XXXX, MI, ( which is where my purse was stolen ), and told that if I wanted to go further to send a letter explaining what exactly happened. I did that as well and emailed it to them on XX/XX/2022, two days after that I was denied again for the same reason, and pretty much was told that I had one more chance, and then after that they were done with me. I spoke with two supervisors named XXXX and XXXX and both were rude and unhelpful. They informed me that there wasn't a higher power and that it ended with them. I sent another attached letter to their email on XX/XX/2022 and was told on XX/XX/2022 that I was denied again due to the same reason and that they were done with me. This company is XXXX and very unprofessional, I do not believe that this was properly investigated because if that were the case, they would have refunded me the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Dear Consumer Financial Protection Bareau, In our FACES Experian is acting, performing, delinquency as a real and professional Fraud Company As a real XXXX. I HAD ONE AND OVER PROVIDE PROOF OF MY IDENTITY, AND the information they provided representing XXXX and XXXX XXXX as they keep covering their back. PLEASE CFPB review my Documents and see that XXXX  Documents had not any revelance, incorrect information, name, last name, no work info, driver license, a copy of social security number, who the XXXX In the world on this days would barrow at least {$1000.00} without the kind of information. I haven't been able to get a loan by now not even with my XXXX  XXXX XXXX, AND I BEEN WITH THEM OVER 5 YRS. 

On the other hand they are deleting the right information on My account instead of the wrong information contained within and is affecting my credit report and score. 

If XXXX who I provide the same information contained within to proof my identity had already deleted XXXX and XXXX XXXX of my credit report file why Experian is not.! It's that I'm the only XXXX  person on this world or they playing XXXX  AND looking to the other way. I never file a Dispute to my correct HOME ADDRESS OR XXXX XXXX XXXX ACCOUNT, SERIOUSLY. I WANT EXPERIAN TO GIVE PROOF OF THAT ME FILE OR CALLING TO DISPUTE THAT INFORMATION. 

I also had DELETED HARD INQUIRIES THAT SHOWS ON THE EMAILS BUT IF I LOGIN TO THE ACCOUNT STILL SHOW ON MY CREDIT REPORT. 

PLEASE CFPB LOOK AT MY ATTACHEDMENTS. I'M SO STUPID THAT I want back and got their membership back again because I thought they done a good job.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked Equifax to provide copy of sign agreement, applications, and any other documents that show two accounts are being reported accurately. Equifax said each account was being reported accurately, but never provided any documents to prove so and all three accounts still show inaccuracies listed below. 

Dispute Letters Sent : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609 Account Name : XXXX XXXX Issues : After investigation, account removed from XXXX and XXXX  Failed three times to provide copy of application, signed agreement, and all other documents to show account is accurate per section 609
Product: Credit reporting, credit repair services, or other personal consumer reports

I feel it's unfair that transunion to not respecting nor following laws. I have reached out the them regarding XXXX card ending in XXXX. I have request a signed contract they have not complied I also have reached out to XXXX all i got back was a summary of charges. This is ridiculous
Product: Credit reporting or other personal consumer reports

I subscribed for TransUnion Identity Theft Services XX/XX/XXXX. I was unhappy with their service and cancelled XX/XX/XXXX. Below is their notification. Please note they have indicated they will unfreeze TransUnion and XXXX accounts on XX/XX/XXXX. These accounts have been frozen for at least 7 years. I indicated I would not authorize these accounts to be unfrozen and to leave them frozen. Please note they will unfreeze the account on a Saturday. None of this was disclosed and I ask you to prevent TransUnion from placing my identity in jeopardy. Leave both accounts frozen. I have personal accounts at both agencies there is no reason for them to take this action. 

CREDIT MONITORING Your subscription has been cancelled. 
42 % XXXX As a friendly reminder, if you've locked your TransUnion and/or XXXX credit report , the locked reports ) will automatically unlock when your membership expires on XX/XX/XXXX. 
If you do need to keep either or both reports protected after your membership ends, please take a look at your options below. For your convenience, we'll also email you these options. 
Thank you, again, for using TransUnion.
Product: Payday loan

I got a pay day loan from a company that was trying to charge me fees that were way out there, like 300 %. I tried to talk to them numerous times and get what I borrowed paid back but they kept giving me the run around and would not return my calls. Recently, I received a call from Trademark Management Solutions telling me there was a server in the area and they were filing criminal charges against me. I tried to tell them that I could not pay what they were wanting ( {$400.00} a month ). I asked if they would at least try to get the payments lowered. They told me the company in which they were dealing with said NO I had to pay that amount and would not take a lesser amount. I told them I could not pay {$400.00} a month but was threatenedd court procedure if I did n't pay it and give them a debit card. I have been paying them that amount monthly but have tried to get someone on the phone to see if we can get the amount lowered. I am having trouble trying to keep up with all my other bills as well. I only borrowed {$1000.00}. and they are trying to make me pay back {$3000.00}. This is NOT RIGHT. I have a elderly Mom I am trying to take care of as well and just need for them to realize that what they are doing is unfair practice. I do n't mind paying back the money I received, but 3 times that amount is just unfair. I hope you can help me resolve this and make these people act more like they need to and help people not threaten them. Please help
Product: Debt collection

In XXXX of 2021, I went to XXXX XXXX XXXX for a doctor prescribed X-ray. 
I presented my XXXX card along with my XXXX XXXX XXXX XXXX card that together pays for 100 % of such services. 

They evidently billed me for an additional {$75.00} and turned the bill over to a collection agency called XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX, NV XXXX. The collection agency added {$4.00} to the bill, which should have been paid by my XXXX forms of insurance if XXXX XXXX XXXX would have billed them properly. 

I have called XXXX XXXX XXXX and they simply told me to contact the collection agency turning the whole bill into a circular unresolved problem.