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

To whom it may concern, The reason for this letter it to dispute an unauthorized inquiry on my credit report. On XX/XX/2021 and XX/XX/2021, I retrieved a copy of my credit report and discovered an inquiry that I have no knowledge of. 
Because I did not apply for credit with XXXX and XXXX, I have also reached out asking that they remove the inquiry from my credit profile. 
Please launch an investigation into XXXX and XXXX XXXX inquiry to determine who authorized it. Upon completion, please provide written correspondence that details the results of your findings. 
If you find that the inquiry is invalid, I am requesting that it be removed from my credit report as soon as possible. But if XXXX XXXX XXXX is able to prove that the inquiry is indeed valid, please provide written proof and a description of how the investigation was conducted. 
Thanks in advance for your prompt attention to this matter.
Product: Debt collection

Our small business began receiving harrassing phone calls from the number XXXX. The caller claimed someone on our payroll had defaulted on a loan and they were calling to garnish the employee 's wages. We are a small family owned business and we have no employees on payroll. We explained this to the caller and asked them to cease contact. They then emailed us ( pdf attached ) trying again to garnish a non-existent employee 's wages and asking for access to our payroll. The business names XXXX XXXX and Apex Servicing seem to be associated with the caller/emailer. There is no debt or loan to be collected. This seems to be a scam, full stop.
Product: Student loan

Loan holder : XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX # XXXX Complaint against : XXXX XXXX XXXX XXXX In XX/XX/XXXX I entered into a student loan consolidation contract with them. On XX/XX/XXXX {$130.00} was paid and on XX/XX/XXXX {$130.00} was paid. The third payment was kicked back for insufficient funds. I attempted to contact XXXX XXXX XXXX XXXX to arrange for correction of this issue and never was contacted back. The number I was given to call them had a blank answering machine. With no return of my calls. E-mail 's were kicked back as not a valid address. I was never contacted back by them in any way. 

This month, I discovered, XXXX XXXX XXXX XXXX had no contact with the company holding my loan and no funds went to the balance. I have still not been able to get anyone from XXXX XXXX XXXX to contact me back. I was apprehensive to go forward with any other consolidation of my loan because I was unsure if I would be breaking my contract with them. 

XXXX XXXX XXXX was the company I was paying XXXX XXXX lXXXX XXXX through. I was able to contact them. XXXX XXXX XXXX no longer deals with XXXX XXXX XXXX and was unable to provide me a date when this severance of service occurred. I was provided with the same contact number I had left messages on several times # XXXX and an e-mail of XXXX. Previously I was contacting e-mail XXXX, which is no longer active. There e-mails also had XXXX Consolidation Department, XXXX. XXXX XXXX, XXXX, PA XXXX XXXX as an address. 
No one has answered me back from either of these contact points. 

The loss of the {$260.00} was nothing compared to finding out I couldnt purchase a home because my student loan was in default. This should never happen to anyone! 

I have the form that I signed concerning the loan and it looks very genuine. Please contact me if any further information is needed as I am very concerned with uploading documents with personal information.
Product: Credit reporting or other personal consumer reports

Hello I have been letting XXXX, XXXX, and Experian know that my identity was stolen on XX/XX/2023 and that these individuals stole my ID ( drivers license ), as well as my social security number as well. These individuals have been calling to verify account balances and personal information that was also stolen from me and I made all 3 credit bureaus aware. Ive also filed a formal police report and they have done nothing at all in regards to this issue. No one I have been reporting this to has taken this matter serious at all. So I am filing complaints to CFPB to try and get some type of help or resolution or guidance on what to do.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 
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 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 XXXX XXXX XXXX. 

XXXX XXXX XXXX section XXXX A. States I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) Section States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my ( XXXX, Equifax, or XXXX ) credit report, and I noticed some late payments posted on my credit report : List Name of the accounts with late payments along with their account numbers. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Your companys is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
Did I give you written instructions to furnish this on my credit report? 
Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. 
Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 

XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXXXXXX Balance : {$3500.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Student loan

Since XXXX my information regarding my three remaining loans hasn't been updated. Sincerely XXXX the last three items are completely paid off. My disputes go ignored, the company hangs up when you try to call, information requests go unanswered. I just want the three items OFF my credit report.
Product: Payday loan, title loan, personal loan, or advance loan

I asked this company to send a 1099c cancellation of debt because this account has been charged off this is a violation.
Product: Checking or savings account

I filed a complaint of an unauthorized transaction on XXXX/2023 in the amount of {$270.00}. The results of the claim states that I recevied the services. The claim that I filed was in regards to an unauthorized transaction in which I was overcharged on my bill. The results are confusing and unclear because Navy Federal Never provided the documentation providing the reason for their determination. The transaction was unauthorized. I am requesting that all documentation that used in the decision of the claim be provided to me promptly.
Product: Money transfer, virtual currency, or money service

I recently paid off a vehicle, and the bank received my Gap refund check from the dealer on XXXX. The bank refused to send me my refund. I kept calling and calling, and they kept giving me the run around. They have my check in-house and refuse to send me my money. This is fraud and unethical business.
Product: Money transfer, virtual currency, or money service

A few weeks ago, I was completely locked out from my Venmo account. After submitting a complaint on this platform, I got a call and I was able to login on the app after about XXXX weeks. I am still having a problem logging in on a website or having a connection from 3rd party application - XXXX XXXX XXXX XXXX. I am getting XXXX error. It is critical for me to access Venmo from a browser and have a connection from XXXX products. Venmo is not communicating about the ongoing issue and there is no estimate for when it will get fixed.
Product: Credit card or prepaid card

Payments are posted to my account, but the credit card company puts a 10 day hold on my ACH payment even though it has cleared my bank. They are using my payment money and not paying me interest on it. There is no disclosure about this unethical practice on the credit card web site, or on my statement ; so I have to go on line to the credit card web site and see if my payment has increased my available credit. 

Since there is no notice issued, I have assumed my payment has been posted and cleared, I have charged more expenses and had, at one point exceeded my credit limit. My charges were being declined when I was traveling out of town.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FLXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK XXXX    15 USC1681 602 STATE A CONSUMER REPORTING AGENCY I HAVE A RIGHT TO PRIVACY .15 USC.604 IT ALSO STATE A CONSUMER REPORTING AGENCY CANNOT FURNISH A ACCOUNT  WITH OUT MY WRITTEN INSTRUCTIONS
Product: Payday loan, title loan, or personal loan

I applied on XX/XX/2022 for loan. XXXX XXXXXX/XX/2022, I want to pay loan off before interest rates apply. They have my information, but their website shows I do not have an account with them. They ask for a XXXX account number in automatic calling. They provided me with only XXXX. They don't answer the phone number provided. They have failed to openly communicate properly. I feel like they are predatory lending to me, the customer. I want to opt out of their services.
Product: Credit reporting or other personal consumer reports

a hard inquiry was done on my credit card that i never applied for or submitted to. i called them and they said there was nothing i could do as it was declined but they negatively effected my credit report
Product: Credit reporting or other personal consumer reports

According to FAIR CREDIT REPORTING ACT Equifax is supposed to ensure MAXIMUM ACCURACY. Equifax said from my previous disputes that the accounts listed below ar accurate how so when there are several reporting errors. These accounts violates these laws 15 USC 1681 ( i ), 15 USC 1681s2, 15 USC 1681i5, and 15 USC 1681eb. Delete these Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have a credit card with XXXX that I keep making payments on but they turned my account over to a collection company. I still dont have the money to pay this debt. 

Hurricane Irma hit this part of Florida and I lost my food in my refrigerator but FEMA doesnt replace food. 

My car has been repossed so I have no way to work. 

I pay $ XXXX to XXXX but since it's not the full amount they turned me over to a collection agency which doesn't help me pay.
Product: Credit card or prepaid card

After checking all 3 credit reports, I found an entry for a credit card issued through XXXX XXXX Bank that was showing in collections through LVNV Funding LLC. As I have no knowledge of this account, I disputed in with the credit reporting agencies. They said that the report will remain as they confirmed the information is valid through LVNV Funding, LLC. On XX/XX/2023, I wrote to LVNV Funding LLC stating that the account through XXXX XXXX Bank does not belong to me and that I have no knowledge of such an account. I then requested a complete copy of all documentation they had from XXXX XXXX Bank, proof that I authorized the account, copies of all receipts of purchases, etc. made, etc. I requested that the information be provided within 15 days or I would file a complaint with you. It's been 30 days since my letter to them and no response. The account they say belongs to me does not and they have not proven that it is.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Equifax regarding their failure to properly resolve a dispute I submitted concerning inaccurate information on my credit report. Despite my formal request for verification and correction of the disputed items under the Fair Credit Reporting Act ( FCRA ), the response I received from Equifax has been inadequate. 

Here are the details of the issue : Confirmation numbers : XXXX XXXX XXXX XXXX XXXXXXXX Dispute Submitted : XX/XX/year> Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Dispute Reason : This account does not belong to me. 

Equifax informed me that the disputed item had been " updated '' but failed to provide any verification or documentation to support the continued reporting of this item. I formally requested verification as required under FCRA Section 611, and I have not received any substantiating evidence from Equifax to confirm the accuracy of this information. 

Summary of My Issue : I requested verification of the accuracy of an account on my credit report, and Equifax claimed they updated the item but did not provide any documentation to support their findings. 

I asked for the supporting documentation, as is my right under the FCRA, but Equifax has failed to respond appropriately. 

The inaccurate information remains on my credit report, which is negatively affecting my credit score and overall financial standing. 

Resolution Requested : I am requesting the CFPB to assist me in ensuring that Equifax : Provides the necessary verification documentation they claim to have used in their investigation. 

Removes the disputed item if they are unable to provide verifiable proof of its accuracy. 
Ensures that any actions taken by Equifax comply with the XXXX investigation requirement as mandated by the FCRA. 

I also request an investigation into XXXX handling of consumer disputes, as this failure to provide proper verification and their vague response regarding an update is causing significant harm to my credit.
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 how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of items that 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Owed : {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$21000.00} XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Balance Owed XXXX {$300.00} XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00} XXXX XX/XX/XXXX XXXX OF XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/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: Credit reporting, credit repair services, or other personal consumer reports

hippa and ftc violations they have been sent police reports and ftc will not fix them Equifax and Experian XXXX XXXX XXXX XX/XX/2020 Source Experian Company XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX-XXXX  Phone XXXX XXXX XXXX XXXX XXXX ( Collections ) Balance Date XX/XX/2020 Balance {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2020 Source Experian Date Submitted XX/XX/2020 Estimated Resolution Date XX/XX/2020 Report Number XXXX Account Number XXXX Company XXXX XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/2020 Source XXXX  XXXX XXXX XXXX XXXX XXXX Address XXXX XXXX  XXXX XXXX XXXX, GA XXXX Activity UNPAID ( D ) Balance {$1600.00}
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX, XXXX, XXXX HST, I contact XXXX and spoke to XXXX , who transferred me to XXXX. XXXX at XXXX told me that on XX/XX/XXXX that my account was sold to Crown Asset Management, XXXXXXXX XXXX XXXXXXXX. XXXX XXXX, XXXX, I contacted XXXXXXXX XXXX XXXXXXXX at XXXX, and spoke with XXXX. XXXX, a supervisor, explained to me that my account was " on hold '' for verification of the amount actually owed. Because of this, she was not able to assist me with negotiating a payoff or a payment plan. 

This is not my first time contacting either this company or XXXX to try to negotiate a payment arrangement. I have been trying to accomplish this for a year. I took out this loan in XXXX and made regular payments on this account for two years. After two years, I found what I thought was a discrepancy between my total payments and the balance due. The balance never seemed to go down. Between XXXX to present, I have been in regular contact with XXXX or this company and waiting for information from them concerning my balance and a payment. None of this information was forthcoming. When I spoke most recently with XXXX, I believed we were finally on track. I was stunned when on XX/XX/XXXX, I was served with a complaint, listing XXXX XXXX as a plaintiff and me as defendant, owning more than {$5000.00}.
Product: Debt collection

Midland Credit management has harassed me every day since they bought out my closed credit card. They call continuously everyday multiple times a day. They have called me at all hours of the day and recently started calling me first thing in the morning and late at night. They email me weekly regarding the debt. I can not afford a payment plan. They have recently changed the area code to be an area code around me to try to make me answer their phone calls. XX/XX/XXXX I did and before I could say hello an XXXX man said XXXX dont hang up I have a debt collect in the phone and the woman instantly was like we are trying to collect a debt and if we dont you will be sued and we will take legal action. Are you XXXX. I asked who they were but they wouldnt tell me or tell me what debt they were trying to collect. After minutes of this I told them I was not XXXX and hung up. Today on XX/XX/XXXX I received a XXXX  package from them with prelegal bill trying to collect the debt. They paid for 2 day air shipping to harass me more regarding the debt. Every time I get anything in email, mail or call they threaten to sue me.
Product: Credit card

From XXXX companies have been taken money from my account and theres nothing I can do about it. Dispute charges and they never give me my money back. Tired of being scammed.
Product: Checking or savings account

My case was in 2011 where I had a checking account at 5th Third Bank, XXXX XXXX XXXX branch. I had the account connected to my XXXX account. I was making an international call on XXXX, which had enough money for that call. At that time I was not aware that XXXX automatically charges the debit card when the calling money runs out. XXXX did try to bill my card but it did not go through because I had insufficient funds in my account. The bank went ahead to charge me for overdraft and daily overdraft accumulation. I was n't working at that time since I had just moved to XXXX from XXXX. However, I tried everything in my power to resolve the issue with the bank to the point of selling XXXX XXXX but it never helped to stop the daily charges. I went to the bank to try and resolve the issue with the manager but he said " it was company policy ''. 
I am writing today because a XXXX XXXX XXXX, I suspect he works for a collections company at phone number XXXX contacted me about this issue and threatened to take me to court. They opened a case for me at their company case number XXXX and told me to settle for {$800.00}. 

I understand the overdraft just as I did then. I tried to resolve the issue then but the bank was only concerned with making money on a poor soul. I thought this was over the time the bank closed my account but here it is. I do n't think this is justice and fair. I need help on what to do or even legal representation if worse comes to worse. 

The bank did not pay for my XXXX credit. XXXX dropped the call because of insufficient funds. So, why do I have to pay $ 800+ on a product I did not consume? 
Please help, XXXX XXXX