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

There is information on my TransUnion and XXXX credit report that has already been removed from my XXXX report. All consumer reporting agencies conduct the same investigation process so these items need to be removed. The Fair Credit Reporting Act states that I have a right to privacy and the only way a consumer report can be furnished is with the consumers written instructions. I never gave any consumer reporting agency any written instructions to furnish my information. Also transactions and experiences between a consumer and a person making the report are not supposed to be on my report as well. All of this is federal law the consumer reporting agencies have violated several of my federally protected rights and I need XXXX XXXX removed from all of my consumer reports immediately as it is hurting my ability to provide for myself and my family and the consumer reporting agencies are to exercise their grave responsibilitys.
Product: Credit card

I am unable to convert rewards because their system doesn't allow it and they offer no manual work around.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called last year either XXXX to have my name corrected and a staff member refused to fix the name, said that I needed to submit proof of my name, and I told them that its not just a letter for the middle of my name because my mother and I have the same exact name and I have had credit information mixed up with hers multiple times before so it is important for the full middle name to be written out. I have submitted several disputes so with my address in my name incorrect how are you properly verifying any of my information I have also sent dispute letter disputing, incorrect information again. Everything on my credit report has to be 100 % accurate and there is an uploaded drivers license in my file. My name should be the exact same as on my drivers license. All phone calls are recorded. There are several conversations of me trying to get my name corrected with Experian!
Product: Checking or savings account

My bank will not let me connect my account to any other online financial entities via the internet.
Product: Debt collection

I was contacted through text from XXXX. They mentioned they would be willing to take XXXX  % for my debt. I texted the number back because it did not mention the company name. I called the company to get more information, and they stated the name of the debt. I wanted to call them back so I could see how much I could afford to pay, and to see if I could check the status of the delinquent account. The representative repeatedly stated that if I hung out, then she would no longer be able to offer this. I then told her that was okay, and I would call them back after I checked on some things. She said thank you and hung up.
Product: Mortgage

Around XX/XX/year> I refinanced my mortgage with Select Portfolio Servicing to XXXX XXXX Mortgage. After closing it was determined that I had an escrow balance that was due to me as a refund. I called SPS in reference to the refund due. They sent me the final statement and payoff information along with the satisfaction letter but I have yet received the escrow refund that is due.
Product: Credit reporting

on XX/XX/2016 I checked my credit report and all my inquires was deleted, when I log on today all of my inquires were back on my report
Product: Debt collection

I am submitting my state identification along with my social security card copies again. 
I received a letter from equifax today requesting my identification AGAIN. 
Equifax continues to request my identification when I have submitted my identification by mail on at least ( XXXX ) occassions already and I have also submitted my identification to Equifax via CFPB Portal a couple of other times as well.

I will sware to this in a court of law that this alledged debt appearing on my equifax credit report is unknown to me and I never received the right to dispute notice required by law before it appeared on my credit report. 
This alledged debt is unknown XXXX XXXX XXXX was illegally placed on my credit report. I have requested complete validation of this debt along with PROOF that I received a notice from their agency before they placed this unknown alledged debt on my credit report ( XXXX ). 
The Law is very clear that they have a duty to provide this information before it is placed on my credit report. I will testify in a courtroom that I received nothing from this agency as of today this information is illegally reporting on my credit report. Additionally, I have requested the amount that XXXX paid for this debt because how would I be assured of the accuracy of the amount reporting without knowing the exact amount that XXXX alledgedly paid? 
Again, I have also requested the purchase agreement and full and complete validation of this debt that I fervently dispute in its entirety and demand it be deleted from my credit report immediately or I will sue because my PRIVACY RIGHTS are being violated as I never gave permission for my non public personal information to be used. This is a clear violation of the Gramm -Leach-Billey Act Sections 6801 and 6802,6803. Also, FCRA 604 ( a ) ( 2 ) states without my permission/consent this information should not be furnished.
Product: Credit reporting

While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX on or about XXXX/XXXX/2014 on TRANSUNION credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2020 through a series of 5 transactions of {$1900.00} ( the maximum amount allowed per transaction ) I transferred {$9500.00} from my Banner Bank account to my XXXX account. None of my transactions were completed, of the 5 transfers I requested, 2 were returned to my Banner Bank account but the other 3 are still missing ( for a total of {$5700.00} ). 

I spoke to XXXX XXXX and they said that they have a tracer number for each of the transactions indicating they returned the transfers. However, Banner Bank is stating that they have not received the transactions back from XXXX. 

Banner Bank : XXXX XXXX XXXX XXXX, WA  XXXX ( XXXX ) XXXX XXXX XXXX  : XXXX   XXXX XXXX  XXXX XXXX CA  XXXX ( 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX and 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 or other personal consumer reports

I requested information be removed from my Trans Union credit report and notice several discrepancies on the report. They agent XXXX XXXX XXXX stated that I needed to contact you all and once it was complete they could remove it. I have contacted Trans union, XXXX, and XXXX 3 times as of this date XX/XX/2023 and have found something new and the inquires I did not authorize still on there. Also a job listing that I have never had. 
I have contacted the three Credit Bureaus XX/XX/XXXX, XX/XX/XXXX Certified and XX/XX/XXXX Certified and XX/XX/XXXX phone and Trans Union again today XX/XX/2023 via phone. 

XXXX XXXX XXXX, Inquiries Not Authorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX credit transaction on XX/XX/2023 ( {$720.00} ) I have called this company and get nothing but a voicemail service. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This does NOT Belong TO Me There are several other inquiries XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX This Account was paid off within the 90days and the Card on the account was removed and when attempted to pay it over the phone the agent stated that she could not take my payment because a payment had already been taken from my credit card. I informed her that I wanted to make my payment over the phone being that my 90 days would be up on the following Monday. They had a glitch in their system and the money did not come off my card and then they attempted to make me pay the full amount. But now on my credit report it shows the they wrote off {$300.00}. it also appears to be on my report twice. ( XXXX )
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report. The credit report showed credit inquiries by your company that I do not recall authorizing. I understand that you shouldnt be allowed to put inquiries on my credit file unless I have authorized it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've disputed collections accounts regarding the collection agencies XXXX XXXX XXXX and XXXX  XXXX XXXX with all 3 Bureaus Equifax, XXXX  and XXXX. According to my findings I see that there has been duplicate reporting and also the collection companies have participated in illegal re-aging the accounts. From my knowledge this is against the law and that they have committed a violation. I would like for them to remove these accounts from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

i have unauthorized inquiries on my report. i would like to get it remove if you can not provide proof such signature that i prouvide these account. according to the FCRA ANY inaccurate account thats not 100 % verifiable or accurate must be removed. please remove immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

On Monday XX/XX/XXXX, I received a letter in the mail from American Education Services regarding a delinquent private student loan debt. I created an account online to view further information on Wednesday XX/XX/XXXX to view more account information, as I have never received any information about this loan prior to XX/XX/XXXX. I called American Education Services and spoke to a representative named XXXX. XXXX kept referring to the lender, and I had to ask him who the lender was, as I was never informed. Apparently the lender is XXXX XXXX, formerly XXXX XXXX XXXX, who had issued me a private student loan of {$36000.00} in XXXX, and had never billed me or sent information regarding repayment of my student loan. After telling me that I have absolutely no options to rehabilitate the loan except to pay {$41000.00} in late payments and that the loan is currently in process of defaulting, I asked XXXX why AES or XXXX has never sent me any billing statements or notices regarding my debt prior to this letter received on XX/XX/XXXX. He looked into my account information and verbally agreed that neither AES nor XXXX XXXX has ever sent me or the endorser any kind of billing statements. XXXX offered to submit a lender review, but told me theres no guarantee XXXX will do anything about it. I attempted to find legitimate contact information for XXXX XXXX XXXX XXXX, and the website XXXX XXXX XXXXXXXX doesnt exist, and when I attempted to call their telephone number listed as ( XXXX ) XXXX, it only gives a busy signal. I am absolutely sickened and enraged by this, and am completely convinced this was a purposeful scam of behalf of both XXXX XXXX and/or American Education Services XXXX
Product: Credit reporting or other personal consumer reports

Name : XXXX XXXX XXXX : XX/XX/XXXX Last XXXX of XXXX : XXXX XXXX. I am contacting the CFPB today to detail my recent experience with identity theft. 

XXXX XXXX, the individual who stole my identity, lived with me for XXXX years. She made copies of my social security card, driver 's license, and birth certificate during her stay. She proceeded to open up numerous accounts in my name with no authorization from me. I am trying my best to remedy the fire she started but she has been the direct cause of the crippling debt that is reporting to my credit report. I have also filed a police report, but this is all I can do as she is nowhere to be found. 

After researching for hours on the best ways to help my situation, this CFPB complaint has been filed to request under FCRA 605B ( 15 U.S.C. 1681c-2 ) that the TransUnion, XXXX, and XXXX credit XXXX agencies 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. The following accounts are the fraudulent/unauthorized accounts in question XXXX XXXX XXXX XXXX XXXXXXXX Inquiries XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  Date of Inquiry : XX/XX/XXXXXXXX XXXX  Date of Inquiry : XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX Date XXXX Inquiry : XX/XX/XXXX XXXX XXXX Date of XXXX XXXX XX/XX/XXXX
Product: Credit card

I've consistently made timely payments on this account and have never allowed them to be overdue. I'm puzzled by the reports of late payment remarks on my accounts. According to 15 USC 1666b, billing errors should be corrected.
Product: Debt collection

he negative remarks and inaccurate information have XXXX affected my credit standing, leading to a significant drop in my XXXX score. This has caused me considerable financial distress and hindered my ability to obtain credit. Please treat this matter with urgency and ensure these inaccurate items are thoroughly investigated, blocked, and removed from my credit report. I request written confirmation once the inaccurate information have been removed and my credit report has been updated accordingly.
Product: Debt collection

Have received several phone calls, emails, and USPS letters requesting payment on a Credit Card I don't own and have never heard of. When I requested explanation was never told what the charge was for. The charge came from a collection agency, XXXX XXXX XXXX, who claim they are collecting for a credit card from XXXX XXXX XXXX for a charge of {$410.00} for something called XXXX. Have never heard of any of these entities. Have never had a credit card from XXXX and so never received any bill from them until I got the call from XXXX. Totally baffled about all of this. Only thing I can think of is that someone opened an account in my name. But with my address why didn't I get the notices in the first place? I checked my credit report and this is the only bad mark on my credit. Am understandably very upset about this.I haven't saved all the correspondence but will send the earlier response to a former dunning notice. Sorry don't know how to scan the bill. I did report to the local police who told me to contact you.
Product: Vehicle loan or lease

I sold my XXXX XXXX XXXX to XXXX XXXX in XXXX  XXXX, VA on XX/XX/XXXX. My loan was with Bank of America. Since my Bank of America loan for my truck was opened in XX/XX/XXXX, I never had a late payment. I have never had a late payment on my credit report with any vendor. I've also been a customer of Bank of America since XXXX. I signed all the appropriate paperwork while at the dealership on XX/XX/XXXX that allowed them to pay off my loan and take ownership of the truck. XXXX XXXX sent a check to Bank of America on XX/XX/XXXX to pay off the vehicle. It appears the amount that was sent was not the correct amount as I received notification in XX/XX/XXXX from Bank of America that there was still a balance on the account ; {$39.00}. I advised Bank of America the truck was no longer in my ownership and the dealership owed the truck as I traded that truck in. The truck was no longer on my auto insurance and the DMV records were already updated reflecting that I no longer owned the truck. In addition it appeared XXXX XXXX had already resold my truck sometime between the time I traded the truck in and from the time I received notification from Bank of America that the loan was not satisfied. I advised Bank of America on the phone that it appeared that XXXX XXXX either didn't calculate the interest correct, wasn't given the correct amount or just paid the wrong amount when they went to pay off the loan and I asked Bank of America if they could waive the remaining balance since obviously this was a simple error. Bank of America refused to waive the remaining balance of {$39.00} and stated that I or XXXX XXXX would need to pay the remaining balance. XXXX XXXX issued a payment for the remaining balance that satisfied the loan. As a result, my XX/XX/XXXX credit report reflected a late payment which reflected my XXXXredit score going down 98 points according to XXXX. My score went from a XXXX to a XXXX in 1 month. Since the negative hit on my report occurred, XXXX XXXX sent a letter to Bank of America asking them to correct their reporting to the credit bureau since their error was on their side. Bank of America denied the request. I have spoken to numerous people at Bank of America and they refuse to send the corrected data to the credit bureaus to remove the negative mark on my credit reports. Bank of America stated I still needed to be making payments on the truck until XXXX XXXX paid the loan off. I was not in a position to be making 2 truck payments. I filed a dispute with all 3 credit bureaus, and it was reported back to me that Bank of America stated that all was reported correctly. I don't understand why Bank of America will not correct this reporting to the credit bureaus. I did not even own the truck when the late payment hit my credit report and someone else had already bought the truck which I don't understand how the dealership was even allowed to do that. I am requesting that my credit report be corrected accordingly.
Product: Student loan

i have payment arrangements set up with Navient to withdraw at the end of each month. I receive an email stating that my payments are due on the XXXX. This is not the first time i have dealt with them and end up on the phone almost every month trying to get things straighten out with them.
Product: Money transfer, virtual currency, or money service

I closed on a cash-out re-finance loan in XX/XX/2024. I was sent checks by the XXXX XXXX XXXX Trust XXXX to pay-off my creditors. All but one of the creditors cashed the proceeds. That was XXXX credit card. The check for their pay=off was XXXX XXXX Over the past few months I awaited as XXXX conducted two internal investigations, but no check was found. XXXX had given me a temporary credit until this check could not be found.so the credit was removed. I contacted the XXXX company several times attempting to re-issue checks for creditors who had not cashed checks. on XXXX i was emailed a copy of a cashed deposited check to XXXX. As I looked at the back side of the check, I noticed the check was deposited by XXXX XXXX XXXX  not XXXX for whom it was intended. I called Capital One and explained what had occurred with XXXX. She got an accounting person to help with deposit number stamped on the back. Ultimately XXXX said they could not find anything and there was not anything they could not do anything. I asked her what government agency regulates Capital One and she said she did not know and could not help any longer as I told her I was making a complaint. I would like to add that because of this error it has affected my credit and i am making bigger payments. Capital One not only cashed XXXXXXXX XXXX check but also cashed creditor pay-off for XXXXXXXX XXXX  in XXXX. Capital One did not give me credit for the XXXX check they deposited. XXXX also lowered my credit after this.