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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Report Act laws.

According to 15 USC 1681 ( b ) 1 the credit bureaus did not get my written permission to furnish anything on my credit report According to the law 15 USC 1681! I have the right to privacy According to the FRCA laws 15 USC 1681s-2 states that A person may not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors, A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person of such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on Its clear that the credit bureaus have no respect for the laws neither for the CFPB. 

The account XXXX XXXX  XXXX has been recently removed and furnished back to my consumer report as VERIFIED and UPDATED after reinvestigation. The below documents reflect on an improper reinvestigation as the account still reports inaccurately. PLEASE REMOVE ACCOUNT FOR INACCURACY according to the FCRA everything must be accurate on a consumers report. 

As this matter continues to hurt my current situation from providing my family with a home and lifestyle they deserve, someone needs to hold the bureaus accountable for their unethical actions.
Product: Credit reporting or other personal consumer reports

Recently checking my credit report I notice that I've been a victim of identity theft and found numerous credit inquiries I have no knowledge of here are the inquiries that I've found : DEPT OF ED XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove these fraudulent inquiries from my credit report. I also attached my identity theft report as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted address correction information to both Experian and XXXX. They put the current address on my report but refused to delete the incorrect address information. They instead has it listed as a previous address, one of which on the Experian report, is a incorrect address. I have sent several letters and they have been ignored. Please help me get this issue corrected.
Product: Credit reporting or other personal consumer reports

XXXX and Equifax needs to remove all negative remarks on my credit report. They have violated too many times. 
Per FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you verbally, written or non verbally per 15 usc 1602, 16 CFR 313, and Privacy act of 1974. Remove all negative reports on my credit report immediately.

Charge off is certificate of indebtedness and must be removed. CFPB has to enforce this act. I will need to be compensated for this which is {$1000.00} per violation as I have requested this to be removed in the past from credit report and still showing on there and I have been affected emotionally because of the stress this has caused me being denied for loans which I shall be compensated for as well.
Product: Credit reporting or other personal consumer reports

UPON REVIEWING MY CONSUMER REPORT, I HAVE DISCOVERED INACCURACIES AND DISCREPANCIES IN THE PERSONAL INFORMATION REPORTING IN MY CONSUMER REPORT. XXXX
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es)XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

EXPERIAN:
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
1. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
2. The following personal information is incorrect
Previous Address(es): XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In 2013 I had an appointment with XXXX XXXX in XXXX for a problem with XXXX XXXX. The ad I responded to stated that is not successful there would be no cost. 
I received an XXXX that did not satisfy my problem. My problem was I signed a contract expecting good things to come from this treatment. I was presented the contract and was told this was nothing to be concerned about, just part of the process. I also told the interviewer that I would be eligible for Medicare in a few months and was covered by XXXX. The interviewer ( XXXX ) told me XXXX paid good. I made the mistake and gave him my Care Credit card showing my good faith. I received a call from Care Credit a few days later ( taken by my Wife ) asking If I was sure I wanted to continue with this account. At this time I felt I would receive XXXX. I was given XXXX XXXX to take home and use, but never got any positive response. I aske for a refund in cost paid. They asked me to make another appointment. I do not trust the clinic and fear for my health is I went back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a closed auto loan account with XXXX XXXX that I paid off in XX/XX/XXXX. It was reporting to Transunion, XXXX, and XXXX  for its entire tenure. For some unknown reason, it stopped reporting on my Transunion report. I contacted Transunion for them to put it back on my report. I've sent in documents from XXXX XXXX numerous times to Transunion and had XXXX XXXX to verify to me that they had been reporting the account as an auto loan to all 3 major bureaus the entire tenure of the loan. They have also sent paperwork to Transunion documenting the account.The loan still shows on XXXX and XXXX, but not Transunion. Myself, along with XXXX XXXX, have been asking Transunion to update my credit file with my XXXX XXXX account. But they have refused to do it. I need this account to reflect on my credit report to prove to banks that I have made a major purchase before and increase my buying power. Please assist me in getting my information updated with Transunion because my efforts are not considered. The account number is XXXX. The car was a XXXX XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MS .
Product: Credit card

I was notified by my chase account that I have a {$15000.00} balance with truist bank with a credit card that was opened. I did not open this account or credit card. I spoke with someone from truist bank on the phone who told me to report this and I will go in person later to verify that I in fact did not open this account.
Product: Debt collection

Hello, I leased a car through Ally Financial, when my lease ended I returned the car on time ( was leased on XXXX XXXX and was returned on XX/XX/2023 ) and I have the documents with signatures from the dealer, but they saying it was late for 21 days or so and asking about {$1500.00}, I emailed them the document with the date that my vehicle was returned and after that they put a collection and late fee on my credit with 3 credit reporting abencys, and this is not the first time they are trying to collect money illegally and Im not the only customer. They need to be stop doing this. Im going to file a Police report against Ally Financial also. If I can open a lawsuit against them I will gladly do that too. I have the document and I can provide anytime. Thank you so much and I hope you will do something so they will stop doing illegal things and ruin peoples credit. Thank you so much
Product: Checking or savings account

On XX/XX/XXXX I deposited XXXX checks into my business checking, prior to depositing these fund I had approx. XXXX in the account. I totally understood that there would be a hold on the deposited funds until XXXX. The following day I tried using my debit card for material to complete a job, the card was declined. Upon further research I realized all my funds were frozen and I had no access to any of my fund that was there prior to the said deposit made on XX/XX/XXXX. I've contacted Capital One on several occasion to clear up this matter only to be told that someone would be in contact with me. The funds deposited were from a client and was directed for payment to my sub-contractors as of todays date XX/XX/XXXX, I still haven't received any information requested from Capital One. I have h sub-contractors looking for there payment for work that was complete. XXXXXXXX XXXX  the financial institute where the checks were drawn from even tried reaching out to Capital One to verify checks and funds. Capital One actions has put a stop to the day to day operations of my business, along with fracturing my working relationship with long time sub-contractors by not releasing any information nor funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following attached letters were submitted to each credit bureau over 60 days ago and they have not responded. Please see the updated attached letter. 
The following accounts are not mine : XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX   XXXX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX   XXXX XXXX/XXXX XXXX/XXXX DEPTEDXXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX XXXX XXXX The following inquiries were not authorized : See attached letter
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA $ 605B ( 15 U.S.C . 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX on XX/XX/XXXX under the account number ( XXXX ) This account have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

As outlined further in the letter sent to XXXX XXXX Mortgage, a fault in the autopayment system of the company caused a reported delinquency in a mortgage payment for my primary residence. Upon explaining the background of the issue, contacting the credit bueraus, and attempting to work with XXXX to remedy the issue ( the account is always paid on time and is not delinquent to this day ), the company has refused to remedy the issue. XXXX is nonresponsive to any further requests or appeals and reiterates solely the a " payment was late '' while failing to recognize the cause of the late payment or the failure of XXXX to properly notify me as the consumer of the issue and how to remedy it. Regarldless of my continued logging in, at no point did the online portal show a delinquency and at all times displayed autopay as being active. I will need to continue the appeal process and move forward with litigation against the company in the event the continue to fail to respond. I would highly recommend against getting a mortgage with this provider.
Product: Money transfer, virtual currency, or money service

I have had the worst luck with crypto.com

1. I got a crypto.com card to buy crytpo with. 2. Learned your cant by crypto with a crypto.com card 3. Tried to use customer service. Failed. 4. I bought crytpo with my own card, they failed to give me any reward purchases as advertised. 5 contacted customer service, could only get canned messages in reply. Filed a complaint.

6. Had my account frozen by customer service after filling a filing a complaint.

7. Bought XXXXXXXX on there site, they we
nt me an email saying half were fake. Promised to return the money, never d

id. 8. Was told I had to wait two weeks for an outcome. 9. Couldnt get to talk to a manager or anyone who could help me. Continue to get canne
d messages as replies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent certified letter to the credit bureau stating unknown accounts on my report and have not heard anything back. It is against the FRCA and if the information is not corrected I will hire an attorney. XXXX account is not an account that I ever had and they sold it to a collection called XXXX XXXX that is on my credit report. Remove these accounts I have sent a copy of my police report, id, and copy of utility bill and still haven't heard anything back.
Product: Debt collection

I 'm receiving repeated phone calls to my cell #. They identify themselves as Reliant Capital Solutions, then ask for me to confirm personal info ( SSN, DOB, current address ). I 've told them I wo n't confirm or provide information unless I have a valid reason to do so. I 've asked the purpose of the call, and they continue to refuse to provide any info ( including what kind of firm they are, any money I might owe to anybody ) unless I confirm my SSN and DOB - which it seems they already have. I contacted the Ohio Atty General 's office and have filed an official complaint. The AG 's office told me they have a " significant '' # of complaints filed against them. I also pulled my credit report and score ( I have excellent credit with a score over XXXX ) and nothing is noted. I asked to speak with a manager and XXXX XXXX at Reliant also refused to provide any info about why they 're calling unless I provide them with personal info. When I told XXXX XXXX I did n't know why they were calling, he said, " You know why we 're calling ''. I googled Reliant - they 're a debt collector. I went to their XXXX, OH office yesterday ( with my checkbook ) and offered my driver 's license as proof of identity and they refused it. I 've checked with any creditors I might owe money to and nobody 's reporting I owe them anything. I 'm happy to pay anyone I might owe money to, but if I do, Reliant is delaying this process and preventing resolution of this issue. I also contacted local XXXX TV investigation team yesterday, they tried to speak with Reliant 's attorney ( who I 'd spoken with ) and she refused - she ran away! Reliant has said they 'll send me a letter with details. The XXXX team told me Reliant has given {$65000.00} in campaign contributions to Ohio 's Attorney General.
Product: Debt collection

I was notified yesterday via a email from my husband that a medical bill I'm not even sure is mine was being garnished. Nether of us were served, i am the person who allegedly incurred the debt why would they take from my husband? I had my own insurance. There's also the fact that every interaction i have had with any medical personnel at any point, they were notified of my insurance which was XXXX. in Washington state they must bill our insurance and there are laws against this. please see below. Please also note there were further laws passed on this in XXXX and XXXX. Further and most disappointedly, this is a bill from the XXXX  XXXX XXXX XXXX XXXX XXXX  and they embezzled hundreds of thousands of dollars from us residents ( please also see that proof below ) and this debt collector couldn't have even verified this debt was mine of happened. What kind of debt collector would by debt from a known county fire department with substantiated embezzlement by the auditor and FBI? The kind who knew that the fire department was in such hot water that them capitalizing on their already fraudulent activities would go unnoticed. We are a one home income. We struggle to get groceries. I can say with all honesty, This will most likely cause a us to lose our home and further suffer. For that, they are awarded no points and I am taking this to task regardless how long it takes. this was monstrous of these people right here and God don't like ugly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to address an on-going issue of identity theft that continues to cause me frustration and disappointment in my interactions with your credit bureau XXXX In XX/XX/2022, I initially contacted your bureau to report a severe case of identity theft, which has significantly impacted my life, causing distress and hardship. Despite furnishing extensive documentation and supporting evidence to substantiate my claims, I have encountered a series of frustrating obstacles and delays in the resolution process. It is essential to reiterate that the burden of proof does not rest with me but with your bureau. Your responsibility is to conduct a thorough investigation into these matters and rectify the discrepancies that have caused me significant trouble. I use the term " nuisance '' to characterize your bureau 's response because, despite numerous attempts to engage with your organization, I have not witnessed the progress or resolution commensurate with the gravity of this situation. Now, I'd like this account DELETED from my report : XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please delete the accounts, I am not the owner of the accounts. I asked the credit bureaus to provide evidence, but couldn't supply it. CFPB remove the accounts and tell these companies to be more careful on how they handle their reporting..TXXXX XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX
Product: Credit reporting or other personal consumer reports

Been a victim of identity theft which resulted in XXXX attempts to access credit made the bureau aware by mail and with a FTC report and Police report I was told to write each company individually to dispute those inquiries this violation of my Civil Rights and Credit Rights
Product: Student loan

I had been in the process of applying for a forbearance period due to a combination of a temporary drop in income and an unexpected problem with property that belonged to my parents ; they died and left no will. I have had to hire a lawyer to deal with the problems arising from the property, further decreasing my cash flow. As proof of the legal problem, I sent a copy of the contract to retain the legal services of an attorney. The property is in XXXX XXXX- the contract is in XXXX. The document was rejected because " it must be in XXXX. '' What kind of discriminatory policy is this??? I have spent more than 6 hours on the phone with various people from the lender ( Navy Federal Credit Union ) and the loan servicer ( XXXX ). Each company pointed the finger at the other, as far as who had the last deciding power as to accept or reject the provided documents. I also asked to be directed to the department that makes the final decision to accept or reject a forbearance application - each company said the other made that decision and that they could not transfer me. One NFCU rep said she had found what she thought was that department and sent an internal email. NOTHING has happened. I finally suggested a 3 way call and each company STILL pointed the finger at each other. There is NO reason a translator can't look at the document. It is hard to believe that between the 2 companies, they do not have a bilingual Spanish speaking employee that could verify, if I provide a translation, that the translation I send to them is accurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally request your assistance in resolving an issue with Equifax Information Services LLC regarding multiple unauthorized inquiries on my credit report. These inquiries were made without my consent and lack a lawful basis under the Fair Credit Reporting Act ( FCRA ). Specifically, these unauthorized inquiries violate 15 U.S.C. 1681b ( a ) ( 3 ), which restricts access to consumer reports to legitimate purposes. Moreover, these actions may constitute Aggravated Identity Theft under 18 U.S.C. 1028A, as they involve the unauthorized use of my personal information, including my Social Security Number. 

Here are the details of the unauthorized inquiries in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


I am requesting that the CFPB intervene to ensure Equifax takes the following actions : 1 ) Provide proof bearing my wet-ink signature for the unauthorized inquiries or delete them from my credit report immediately.

2 ) Confirm that these inquiries are removed from my credit report and that my information is corrected accordingly.

I appreciate your assistance in resolving this matter and ensuring my consumer rights are upheld.

Thank you for your attention to this urgent issue. I look forward to your prompt response. 

Sincerely, XXXX XXXX. Attached : State ID, SS Card, my house internet bill
Product: Credit reporting or other personal consumer reports

I am writing regarding my XXXX XXXX XXXX, which was totaled in XX/XX/XXXX. This vehicle was financed through Westlake Financial and had GAP insurance coverage at the time of the incident. 

My concerns are as follows : 1. XXXX XXXX paid off the vehicle after it was totaled. 
2. Westlake Financial claims I have a remaining balance of {$320.00}.

3. This erroneous balance has been reported on my credit report for the past 5 years.

4. As a result, I have been declined credit on multiple occasions.

Given that I had GAP insurance through Westlake at the time of the total loss, there should be no remaining balance on this account. The GAP coverage should have addressed any difference between the insurance payout and the lo
an balance at the time of the incident.

This situation appears to violate several consumer protection laws, including : 1. The Fair Credit Reporting Act ( FCRA ), as inaccurate information has been reported and maintained on my credit report.

2. The Fair Debt Collection Practices Act ( FDCPA ), if attempts have been made to collect this non-existent debt.
Product: Prepaid card

I have a {$1000.00} prepaid giftcard with American Express. I have tried to used the card at multiple sites online, and my card keeps getting declined at every single site, with pending charges of {$0.00} with these merchants with takes around a week to go away. The card even gets declined at big retailers such as XXXX I think it is absolutely useless to have this much money in a gift card for it to be declined everywhere. I would like my money back.