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

I recently discovered an unauthorized hard inquiry from XXXX XXXX on my TransUnion credit report, dated XX/XX/year>. As a victim of identity theft, documented in my FTC Identity Theft Report ( Report # XXXX ), I did not authorize this inquiry. 

On XX/XX/year>, I sent a certified letter to TransUnion disputing this inquiry and requesting its removal, as per FCRA 15 U.S.C. 1681c-2 ( a ). TransUnion responded by advising me to contact XXXX XXXX  directly. Following their guidance, I mailed a dispute letter to XXXX XXXX  on XX/XX/year>, including all necessary documentation. 

I also filed a CFPB complaint against XXXX XXXX  ( Complaint # XXXX ) to ensure compliance. Despite these efforts, I have not received confirmation that the inquiry will be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

*I attached my personal info which is my SSC and UTILITY BILL The listed accounts were placed onto my consumer report without my permission. 

XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX *PLEASE SEE ATTACHED DOCUMENTATION
Product: Debt or credit management

This account has been closed, but customer service keep making it look open so they can keep getting payments I don't owe.i paid it off early and got a refund but they keep texting me for a {$65.00} payment making my utilization look over 30 %
Product: Credit reporting, credit repair services, or other personal consumer reports

I had made arrangements with two credit card companies during the Covid Pandemic in XX/XX/2020. However, the missed payments are coming up on all three credit bureaus. I have contacted the credit card companies and the credit bureaus. The dispute was " resolved '' but not in my favor. The payments are still on my credit reports. The credit cards companies are Capital One and XXXX XXXX.
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 XXXX XXXX XXXX  # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. i have the right to privacy.

15 U.S.C 1681 section 604 A. it also states a consumer reporting agency can not fumish a account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) section states no consumer reporting agency may make any consumer report containingany of the following items of information any other adverse item of information, other than records of convictionsof crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) Aperson shall not furnish any information relating to a consumer to any consumer agency if the person known or has reasonable cause tobeliveve that the information is inaccurate.
Product: Bank account or service

On XX/XX/2015, I viewed my checking account activity at XXXX, and a check I had written for {$80.00} had not been presented. I had a direct deposit scheduled for XXXX, XX/XX/2015. I checked my account summary again the next day, and noticed a {$35.00} fee assessed to my account for overdraft. My concerns are : 1. Exorbitant bank fees for the smallest infractions. 
2. There was money in my savings account to cover the {$8.00} that generated the fee. 
3. I was told by bank officials that they have previously returned fees to me and will not do it again. They fail to understand that I am the one that works overnight for the money, and it does not belong to them. I am supporting XXXX XXXX grandchildren and the money that they so casually deduct is needed for gas, kids lunch, etc.
Product: Checking or savings account

I opened an account online on XX/XX/year> with bank of america. Then on XX/XX/year> went to deposit money into the said account. The teller took my money and said nothing about my account closing. I called they said that my account was being closed on XXXX for suspicious activity. They informed me that I would not have access to my money until they sent a check. They told me that the woman at the bank should not have added the funds since the account was in closing.
Product: Credit reporting

XXXX mastercard account in New York, opened XXXX XXXX. I did not open the account. Received the card in the mail on XXXX. Checked credit report with Trans Union and saw it was an open account. Called the issuing bank on XXXX and {$1400.00} had been charged to the account. Placed a Security Freeze with all XXXX credit reporting companies.
Product: Debt collection

I sent Medical Revenue Service for acct # XXXX ... .. two times XXXX and XXXX a validation letter each time this company has failed to validate my debt. Instead they sent a itemized statement of my medical records which I know is a direct violation of Hippa regulations. I never signed a hippa form authorizing them to have access to this information. Please delete this information from my credit file and cease all collection activities immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I started receiving notifications from my credit monitoring services that the below collection account was added to all 3 of my credit reports : XXXX XXXXXXXX XXXX XXXX XXXX-XXXX XX/XX/XXXX {$1200.00} XX/XX/XXXX {$1200.00} COLLECTION ACCOUNT I NEVER HEARD OF THESE PEOPLE AND ABSOLUTELY DON'T UNDERSTAND HOW THE CREDIT BUREAUS ARE ALLOWED TO ALLOW PEOPLE TO REPORT UNTRUTHFUL, INACCURATE LIES CALLED INFORMATION ON MY CREDIT REPORTS. I
Product: Debt collection

This is from an apartment I haven't lived in since XXXX. Out of nowhere they now call me 4-5 times a day and I don't owe them a dime. I moved out and never had a problem and now all of a sudden they are calling me over and over again. I never even heard of this company. Procollect INC. I have no knowledge of this company. I have disputed it twice and they continue to call at all times of the day. I am not responsible for this in anyway. I have called them back but they are extremely unprofessional and I am not paying for something I didn't do. Can you please help?
Product: Credit reporting or other personal consumer reports

This is another follow-up complaint against XXXX and Experian ( XXXX and XXXX ). On XX/XX/year>, my law firm and I called XXXX to dispute the fraudulent XXXX loans reported on my Experian credit report. Then I found the disputes for these four XXXX loans were submitted to Experian right after the call. Neither the law firm nor I submitted the disputes so I think the disputes were submitted by XXXX. Later on I noticed the status of the four loans on my Experian credit report were changed to 'Paid, Closed ' but the late payment records remained on the Experian credit report. On XX/XX/year>, I received the dispute results : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. '' I am extremely unsatisfied with how XXXX and Experian handled the matter. During the call, XXXX confirmed that they can not see any account under my name after I provide them with my date of birth and social security number. XXXX said they can only see a single account with my address but the account open date does not match with any of the four fraudulent loans reported on my Experian account.
Product: Credit card

I called in end of XXXX to pay off my credit card with Total Select. I paid remaining balance, asked for closure and destroyed my card. Now they are saying I never closed it and want me to pay fees accumulated during the time it remained opened and are threatening me with collections. It has since appeared on my credit report. They refuse to give me card number and tell me to look at my statements but I have never received a statement and can no longer log in online. I asked them to look to see that I have not used this card since I assumed it was closed and should see that I paid off balance but they are just making it sound like I am lying. They tell me I need to pay balance which I had no idea I even had since I have received no correspondence whatsoever from them. They just took my money and acted like they closed it simply to be able to charge fees.
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 Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX XXXX Account # XXXX, has violated my rights. 
XXXX  Account # XXXX, has violated my rights. 
XXXX  Account # XXXX, has violated my rights. 
XXXX Account # XXXX XXXX, has violated my rights. 
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 an 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: Checking or savings account

XXXX refuses to refund for missing package that they received a refund from XXXX Claims and back to me I placed an order with XXXX and did not receive the package. They opened a claim with XXXX, tracking number XXXX. XXXX has issued a claim to them and they are refusing to refund me. They are thieves and I better get my money back for order XXXX. I've contacted the FTC as well as the Attorney General. This is absolute theft and I am extremely upset.
Product: Payday loan, title loan, or personal loan

My son 's car needed an engine replaced per XXXX XXXX XXXX in XXXX, Kentucky. Unfortunately we didn't have enough money to cover costs so we were told to apply for a loan through Koalafi per shops owner and the money I was approved for was the exact amount he charged as well as not actually perform the services on the vehicle. The shop owner actual made fraudulent charges for work that was never performed just to have the vehicle go back into the same state. I've reached out to the owner but he isn't trying to work with me on making it right.
Product: Credit reporting or other personal consumer reports

Experian has multiple inquires and NON-MAILABLE ADDRESSES AND NAMES on my consumer report that I do not recognize.

Experian has violated my rights due to reporting inaccurate information on my consumer report. 15 usc1681states that it is a grave responsibility to report fair and accurate credit reporting. Inaccurate reports directly impair the efficiency of the banking system and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system Experian did not exercise their grave responsibilities with fairness, impartiality, or respect for my consumer right to privacy.

Experian did not adopt a reasonable procedure for meeting the needs of commerce for consumer credit.

Experian also violated my rights according to the Privacy Act of 1974.
Product: Debt collection

XXXX XXXX XXXX from insight management partners contacted me on XX/XX/21 @ XXXX and XXXX both times I requested to remove my phone number and contact me in writing. He refused to do so saying they were filing a civil judgement against me ; This a an FDCPA violation. He also stated that his company will not send any further correspondence. He also said I should stop taking money from companies and not pay them back. He spoke over me and was very rude.These types of business practices are a form of harassment and are unethical. Im requesting for insight management partners to cease all collection activities immediately or I will be forced to take legal action against them.
Product: Checking or savings account

I went to the Santander bank location : XXXX XXXX XXXX, XXXX, NY XXXX. 
However upon depositing the money order which I was told I can deposit it at the atm inside the bank. 
The machine took both money orders of {$1800.00} with out and receipt or error message. 
I spoke to the teller that was working and she gave me a number to call which I did. 
They told me I have to wait until Monday XX/XX/XXXX to see if it will be deposited into the account she then went on to say that if they dont find it there is nothing they can do. 
In this situation THERES NOTHING THEY CAN DO is not what I want to or need to here. I trust that the bank would be able to fix the situation. 
Nobody wants to be loosing {$1800.00} in this time especially not me. 
I cant allow my money to just go down the train.. 
Id appreciate if I could get serious help in returning the money orders or seeing it being deposited into my account.
Product: Debt collection

Portfolio Recovery Associates is engaging in flagrant violations of the Fair Credit Reporting Act by continuing to report a debt and derogatory mark that they had agreed to delete from my credit report. They deleted the derogatory mark from the credit report on XXXX. However they have not deleted the derogatory mark from XXXX or XXXX. Portfolio Recovery Associates is engaging in unfair and deceptive business practices and is flagrantly violating the Fair Debt Collections Practices Act and Fair Credit Reporting Act. Portfolio Recovery Associates is engaging in retaliatory and illegal behavior.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The items I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$3100.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX XXXX, 2018, an inquiry showed up on my credit report. I never authorized nor lifted the freeze off my credit report for this inquiry. 

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX
Product: Student loan

I have a private student loan that I obtained in XX/XX/2004 for the amount of {$12000.00} thru Navient. 
At the time I requested the loan I had a little over a year of XXXX XXXX service in the XXXX. I was enrolling in XXXX XXXX university at the time. This loan was first experience for me and my husband applying for one, the school fees were not completely covered by the military tuition assistance so the school more than suggested pressure me to obtain a loan, of course I did not know anything about loans, also I was newly arrived to the US and English not been my first language make it harder for me to understand the paperwork but I was so eager to start school that we sign the paperwork. 
The Loan has an interest rate variable at this time of 17.875 % and I still own over {$10000.00} but I have already paid {$38000.00} throughout the years. 
Because it was private and not federal there are not many options. I contact them in the past and they offer me the defer payments that the only thing it did was to increase the amount I own. I just contact Navient again and they requested my orders to be reviewed for a possible rate reduction. In the past I have done this but it did not work. 
I'm very frustrated how things turn out, completely my fault, but the school and loan officer were placing a lot of pressure for us to hurry up and sign. I have about three years left of XXXX XXXX and I still can not repaid this loan. I will send my orders to them today but any help or suggestions from the CFPB will be appreciate it. 
Thank you so much.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been disputing with Equifax and am so concerned about their data breach affecting my personal information. There are inquiries for which have yet to be verified for which Ive been asking for them to be verified. None of them can be verified or has been. FCRA and The Comprehensive Credit Act of 2020 section 401 have stated these should not be on my credit files especially with no contract agreements to substantiate the inquiries. There are 2 XXXX XXXX inquiries from the same month that definitely should not be on my credit report.
Product: Credit card or prepaid card

XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} ( less than 24 hrs later, but different day ) XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 ATM says I have reached my limit for the day, but I have not. 
XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX ATM withdrawl {$500.00} XX/XX/21 XXXX TODAY- says I have reached my limit for the day, but I have not. 

So, I called the number on the back of the card, customer service rep says that you can only do one withdrawl in a 24 hr period. I mention my withdrawl history of XXXX to XXXX, less than 24 hours and no problems. They have no response. I said so I have to wait until after XXXX tonight to take my next advance then, as that would be 24hrs since my last withdrawl, they say no, I have to wait an additional 12 hours because I am penalized for trying to take my unemployment money out before the initial 24 hr period was up. I said you do realize that this is my money, my unemployment, I use to feed my family and pay my bills right? Unacceptable, i am ready to call local news station.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( Department of EducationXXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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.
Product: Mortgage

I applied for a XXXX modification in XXXX with Wells Fargo due to being XXXX, they instructed me to quit paying my XXXX payment and would modify my loan. XXXX months later i was in XXXX I called and sent documents XXXXl times with no response. I called every week, they kept saying my documents were not received. Then I was denied. My house was going to be XXXX in XXXX of XXXX and thankfully my XXXXr left me XXXX when he passed and I Paid XXXX and saved my house. 
XXXX XXXX!!! This was so stressful and they just ignored me after they instructed me to quit paying my mortgage because they would modify my loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

After getting a copy of my report that I ordered a credit report with XXXX XX/XX/2022, I called Experian since I saw some UNVERIFIABLE accounts on my personal profile. I discovered that there were CHARGE OFF accounts XXXX/XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX , XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX , XXXX XXXX  XXXX on my credit report which are UNKNOWN to me. This is disappointing because I have been paying XXXX XXXX  to get a report every month and I have been disputing fraud accounts on my credit report all this time. One of the staff told me to visit https : //www.ftc.gov/ and Report the Fraudulent accounts and have them BLOCKED OR REMOVED from my credit file. Ive attached a copy of the identity theft report ( FTC report # : XXXX ), and guess what I found? Per Fair Credit Reporting Act Section 605B ( a ) the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

A copy of my Utility Bill, drivers license, and Social Security Number are all included in this complaint. I want you to know that I am telling the truth and by Experian not blocking these accounts are inadvertently resulting in me being extorted.
Product: Prepaid card

I bought a Vanilla gift card in XXXX, it did not work. I filed a claim after weeks of trying to contact the company. I received a check in the mail that I then deposited to my bank with my phone. I received a notification XX/XX/XXXX that the check was rejected. I was told by my bank to contact the issuer for a new check. When I contacted the company they said they couldnt help me and that they dont have my money because it was on the check. This is false since the refund check never went through.
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to you with an urgent matter regarding my account. Unfortunately, it has come to my attention that my account has been compromised, and I suspect unauthorized access.

In light of this security breach, I kindly request the immediate deletion of my account to prevent any further misuse and safeguard my personal information. I understand the importance of security measures and appreciate your prompt attention to this matter.

Please take the necessary steps to secure my account and confirm the deletion once completed. If any additional information or verification is required from my end, please let me know promptly.

I appreciate your understanding and swift action to resolve this issue. Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

1 ) Opted for FREE credit monitoring services after information BREACH ; 2 ) Received email notification XX/XX/2019, my FICO Score had " decreased '' although I've not incurred NO new negative accounts or credit in last three years!

3 ) When followed link found ONLY NEGATIVE ACCTS REPORTED ; 4 ) UNABLE to upload CURRENT bank accounts information ; 5 ) OR LINK BANK ACCTS WITH DIRECT BILL! accounts : CAR, RENT, UTILITIES!!! ; 6 ) ALL EXCELLENT PAY HISTORY ; 7 ) FALSE REPORTING=INADEQUATE information=bringing MY SCORES DOWN!

8 ) CUSTOMER SERVICE PHONE IS FRAUDULENT! UNABLE TO EVER REACH A HUMAN BEING! Challenge anyone to do so!