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

These companies had no authorization from me to furnish these inquires and In accordance with the Fair Credit Reporting act XXXX the following companies has violated my rights. 
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 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY.

EVERTHING HAS TO BE REPORTED 100 % ACCURATE, AND ITS NOT.
Product: Checking or savings account

I would like close the savings and checking account with navy federal after pulling funds from my account with out notice. Due to there taking the funds, it sent my account into over drawn status. Now they refusing to close the account with out me first paying the amount which I am not going to do because it had enough funds to satisfy the transactions before hand.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my XXXX, Equifax and XXXX credit report
Product: Credit reporting or other personal consumer reports

I applied for an apartment with XXXX  at XXXX XXXX XXXX XXXX XXXX, XXXX  and I was denied due to a false criminal record from a background check by ResidentVerify. On XX/XX/year>, I received correspondence from XXXX  at XXXX XXXX on behalf of ResidentVerify stating that ResidentVerify uncovered a criminal record in my name. I called ResidentVerify and ResidentVerify falsely stated that I have a criminal record from 2023 in North Carolina, despite not being in North Carolina in 2023. However, I do not have a criminal record, and had have verified with another background check company called XXXX XXXX XXXX that I do not have a criminal record. ResidentVerify opened a dispute, to which I provided documents from XXXX XXXX XXXX stating that I have no criminal record, and my FBI background check, in addition to a screenshot from North Carolina 's court record search stating that I have no criminal record.
Product: Credit reporting or other personal consumer reports

I have reviewed my Consumer credit report and I have noticed it states I was late that I haven't been late for the consumer report agencies has assumed a vital role have a responsibility to report consumer information to the best of their ability. Please investigate and provide proof if nothing can be provided I demand that it is updated to paid as agreed on. Date XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called Transunion to try and fix my inquiries. Transunion is showing inquiries that are not mine, XXXX and XXXX both show the correct information but Transunion is showing inquiries that I have never made or authorized, I have asked them to remove them but they refuse to do so and say they will look into it but nothing has happened. I have called them numerous times in the last few months but they refuse to help.
Product: Money transfer, virtual currency, or money service

Hi, On XXXX XXXX 2017 I transferred money ( XXXX or {$400.00} USD ) to someone in XXXX XXXX, who goes by XXXX XXXX XXXX XXXX XXXX to purchase a XXXX XXXX XXXX music controller used. I 've since found out that the person has committed fraud with other consumers on the forum and I then tried to cancel the transaction with PayPal. The seller convinced me to use " Friends and Family '' to transfer the money which offers no protection to the buyer. PayPal refuses to do anything and I have no recourse to collect my money. Thanks,
Product: Credit reporting or other personal consumer reports

The following hard inquiry currently showing and listed on my Experian credit report is a fraudulent hard inquiry and not my hard inquiry : XXXX XXXX XXXX. XX/XX/2023
Product: Credit reporting or other personal consumer reports

CONSUMER HAS BASIC MEMBERSHIP WITH EQUIFAX VIA MYEQUIFAX.COM, MEMBERSHIP PROMISSED ABILITY TO SEE ADD AND OR REMOVE SECURITY FREEZEZ, FRAUD ALERTS AND ACTIVE DUTY ALERTS VIA THE WEBSITE. IT ALSO PROMISES OPTION TO SUBMIT DISPUTES. CONSUMER HAS NOT BEEN ABLE TO SEE THEIR FREEZE AND ALERT STATUS VIA THE WEBSITE FOR THE LAST XXXX YEARS. EQUIFAX STATES THIS IS BECAUSE OF A " GLITCH '' IN THE SYSTEM AND SUGGEST CONSUMER SEND IDENITITY VERIFICATION DOCUMENTS IN THE MAIL. CONSUMER HAS CONTINUOSLY SENT THE REQUESTED INFORMATION INCLUDING GOVNERMENT ISSUED IDS AND COPY OF SSN CARD. CONSUMER HAS NO PERMANENT RESIDENCE AT THIS TIME SO ROOF OF RESIDENCE/ UTILITES ARE NOT AVAILABLE. GOVERNMENT ISSUED ID AND COPY OF SSN CARD IS SUFFICE. EQUIFAX HAS FAILED TO RESPOND AND UPDATE/FIX CONSUMER 'S MYEQUIFAX ACCOUNT ALONG WITH UPDATING THE CREDIT FILE DISCLOSURE BECAUSE CONSUMER HAS SUBMITTED REQUEST AND DISPUTE VIA MAIL AND MYEQUIFAX.COM.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account for almost a year now with the collection agency XXXXXXXX XXXX and XXXX and XXXX  their reporting this account as verified and this can't be far from true. As you'll see with the attachments the credit report and the information that was sent to verify has two address so how can this be verified.Please look at this attachment and the bottom part that says borrower information. It does has my name but I know nothing of the address. This a {$400.00} bill that's hurting my credit from their mistakes I can't get anything to move ahead in life from this
Product: Credit reporting or other personal consumer reports

I have already files a identify theft report and mailed Experian information I just received YET ANOTHER HARD INQUIRY ON MY REPORT THAT WAS NOT AUTHORIZED. THIS IS MY LAST TIME TRYING TO FIX THIS BEFORE I TAKE THEM TO COURT 15 U.S.C. 1681n ( a ) establishes civil liability for willful noncompliance with the Fair Credit Reporting Act ( FCRA ). Specifically, it states that any person who willfully fails to comply with FCRA requirements is liable to the consumer for actual damages ( or a minimum of {$100.00} up to {$1000.00} ), punitive damages ( as allowed by the court ), and costs of the action, including reasonable attorney 's fees.

I HAVE BEEN REQUSTIN THESE UNAUTHORIZED INQUIRIES BE REMOVED FOR MONTHS AND GOT HIT WITH ANOTHER ONE TODAY 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 I SHOULD ONLY HAVE 6-7 HARD INQUIRES AND THAT IS ALL THOSE LISTED ABOVE I DID NOT AUTHORIZE WHEN I APPLY FOR CAR FINANCING I ONLY RUN 2 PLACES AND THAT IS XXXX XXXX AND XXXX XXXX I DO NOT ALLOW OR GIVE CONSENT TO NO OTHER CREDIT CHECKS
Product: Debt collection

XX/XX/2020 I switched cellular service from XXXX to XXXX. XXXX  provided my cellular service but XXXX state I need to pay them so I paid XXXX in XX/XX/2020 and they still stated I owed them even though I had not telephone service with them. XX/XX/2020 I paid XXXX. They starting calling my phone 20 times a day for months. Now they have sent it to Convergent Collection and they are send me letters. I spoke with them and gave the the transaction # where the money was paid from my account. This was not enough so now I have emailed them a copy where the money was disbursed to XXXX. XXXX keeps telling them to send me threatening letters and calls. I have proved I paid them and they reported this to my credit report. I dont owe them money.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 US CODE 1681 A I did not provide permission for none of these items to be place on my report and it isjeopardizing my character as a consumer. In addition these accounts are also affecting me XXXX XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX/XXXX/XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XX/XX/XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello. I received an alert stating that a collection account was added to my credit report on all 3 credit bureaus. This collection does not belong to me at all since I`ve never had an XXXX account in my name. I`ve filed a dispute with the credit bureaus and XXXX and XXXX have removed the collection account as of today ( XX/XX/22 ). Equifax is stating that they verified the information as correct which is not accurate at all. How can they verify the account if it is not mine? I need this account removed immediately from my Equifax credit report. I`ve attached several supporting documents for your reference. Thank you.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS UNLAWFULLY REPORTING A XXXX XXXX XXXX ON MY CREDIT REPORT. THIS ACCOUNT AND BALANCE ARE NOT MINE AND ARE CLEARLY THE RESULT OF FRAUD AND IDENTITY THEFT. I HAVE ATTACHED AN ACCOUNT REMOVAL LETTER FOR YOUR REVIEW. I EXPECT IMMEDIATE COMPLIANCE, AS THEY ARE CONTINUING TO VIOLATE THE ESTABLISHED RULES AND REGULATIONS.
Product: Credit reporting or other personal consumer reports

The account appears on my credit report as follows : ( Pay Status Paid, Closed ; was 30 days past due date< ), this is incorrect because it was paid completely on time and the agreed terms were excellent since in times of the COVID pandemic they were hard for everyone and the bank and I considered deferring the payments for three months for Therefore everything was paid on time and in the time estimated by the creditor, and I am seeing in my credit report that it is 30 days late and is incorrect, please correct the 30 days late which is incorrect and is a Satisfactory Accounts .The account gives incorrect information of 75 months and the correct ones are 74 months.
Product: Mortgage

I am XXXX. I have XXXX children and a XXXX wife. Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX filed bankruptcy and did something to my property. I escalated to HUD, and HUD asked me to contact FTC to file IDTheft, and also HUD asked me to contact the Federal Reserve with a reference number XXXX. Federal reserve directed me to consumer finance as Third Federal is associated with Consumer Finance. 

My home is under protection because of my case against XXXX. Third Federal Savings and Loan located at XXXX XXXX XXXX, XXXX, OH XXXX has provided me a six-month forbearance of no payment from XX/XX/XXXX thru XXXX XXXX, and I receive Third federal statement every month. Now, Without my knowledge, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX did something to my property Every minute we are worried about our home and my children can not focus on studies. Please help us recover my home.
Product: Debt collection

On XX/XX/XXXX, HARVEST ASSOCIATES , INC sent a letter in the mail stating I owe them {$820.00} for a service that took place XX/XX/XXXX. I sent a letter of validation and they could not verify the debt. I also sent them a cease and desist letter that was ignored. They are also in violation if 15 USC 1692b and 15 U.S.C. 1692d. According to 15 USC 6802, no financial institution is supposed to share my information with a third party. I never gave XXXX XXXX XXXX permission to share my personal information to a 3rd party. I also never signed a contract stating that I owe HARVEST ASSOCIATES , INC any amount of debt. They also never communicated the amount of money they paid for the debt, when they purchased it and other information requested in the validation letter.
Product: Credit reporting or other personal consumer reports

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 

I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and XXXX of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see XXXX XXXX ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

I have had an account for some time with XXXX, it mostly sits idle to gain value. I received an email one day that my account was restricted due to suspicious activity, which seemed strange as I had had ZERO activity on my account for a couple months. They requested a couple documents from me and would return my account, per the email. So I sent the documents. Then almost a week later I received another email stating I needed to call them, I did an no one is available to take my call. I enter the cue on their app. It says 30 minutes. No one calls. I emailed back, again, they say they called and I didn't answer, to enter the cue again. No one ever called me! But I never the cue again, it says 30 minutes again. Over a DAY later I get another email saying they missed me on my call again. No, they absolutely never called. Each of these emails I requested over and over again to PLEASE just unlock my account so I can free my funds and place them somewhere safer. I get scripted emails back that say I must call or use the app to receive a call back, but I have attached my call log to show NO calls have come from them, I've been STUCK in the cue despite it telling me to join it again, and I've attempted multiple conversations via email as well. I just want to move my funds somewhere else. That's all at this point. I want nothing else in return from them, just what is mine.
Product: Checking or savings account

On XX/XX/2013 I deposited {$1600.00} cash into a drive-thru ATM at Citibank after depositing the money I receive The receipt stating technical difficulties can not withdraw money I was confused I just deposit cash? I went into the bank to talk to gave me an 800 number to call that was on the receipt, that I received l, after depositing the money i mentioning to the teller that I deposit cash and I need the money to be credited due to bills and other financial obligations I was told I need to file a dispute and I will be credited  once they do an investigation up to 45 days I looked on XXXX and I found out this ATM machine had same issues with other clients it's an ongoing problem, from other customers if you do the reviews this is not a first time occurrence The machine will not give you money but it would take money or would not record money and we have to wait 45 days for Citibank to do an investigation before we get credit to our account, I spoke to the manager where in fact he said he can not do anything, and this is the way the neighborhood is and that's that???? this caused a lot of inconvenience a lot of heartache a lot of pain and suffering due to bills need to be paid, please help me with this  situation other people have had the same issue, I am without money and they won't fix the ATM machine. ( drive-thru )
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXXXXXX XXXX XXXX which falls under XXXX  according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX  XXXX and would like for all listed accounts to be blocked and deleted company information from Experian, XXXX and XXXX. 

Please delete the following accounts : XXXX Account Number : XXXX Balance : {$650.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$510.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Balance : {$620.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) Account Number : XXXX Balance : {$650.00} XXXX XXXX Account Number : XXXX Balance : {$670.00}
Product: Consumer Loan

I had an accident on XX/XX/XXXX, the car was total, it was a XXXX car accident so the person that caused the accident insurance paid my lien older, they said my car was an older year car so I guess they did n't pay out much to my car lien holder ... my car was an XXXX my lien holder was US auto credit, they have put this on my credit as a repo which is making it hard for me to get a next vehicle, we called them to ask if you got payed from the insurance company, ( XXXX ) why did you put this on my credit ... they said the payout they got from XXXX company was not enough, now US auto credit put this on my credit as a repo and every 2 months they add more money to the account. First off I was it from behind the accident was not caused by me, the person insurance ( XXXX ) even sold the car to copart a place that buys accident vehicles so the can sell to the auction, I contacted XXXX who told me who to talk to at XXXX company, and that 's how I found out the payed my lien holder.but now US auto credit is asking me to pay them as if from I have the car in XX/XX/XXXX I only paid them 2 months, I have paid them up until XX/XX/XXXX, I had the accident XX/XX/XXXX ... please please please I need your help I have XXXX kids that I am having problems taking to school and picking up back because I also have to go to work, I just need some help please, because they put this as a repo I ca n't get a vehicle it 's so hard ... please and thanks for your time and help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
1. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, TX XXXX 2. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report. 
3. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
4. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX  XXXX Account Number : XXXX Please remove it from my credit report. 
9. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Please remove it from my credit report.
Product: Mortgage

Rocket Mortgage put home into forclosure.. I reqested a reinstatment quote to bring mortgage up to date. I received quote on XXXX the amount due was {$7100.00} by XXXX XXXX XXXX  I paid the {$7100.00} via debit card over the phone. I was told that I was current and loan was no longer in forclosure... call was recorded. I called to make my payment on XXXX  and was told my home has an auction date for XXXX XXXX. I was told that the amount was not enough and that rocket mortgage reached out on XX/XX/XXXX via voicemail. This was 2 days after current reinstatement quote expired which i paid. Rocket Mortgage could not have taken the {$7100.00} payment without a current reinstatement quote. I took money from my retirement to bring everything current, after telling me they accepted my payment they reached out to tell me i owed more after the reinstatement quote expired. I am going to lose my house and be homeless. I did everything they asked and was told my account was in good standing. now im waiting on another reinstatement quote with fees I wont be able to afford. This is very unfair and fraudulent.
Product: Payday loan, title loan, or personal loan

I disputed the validity of the debt, And requested the name and address of the original creditor with a document to validate the debt. 
The company then stated that I was a buyer and a customer not a consumer over the phone, I requested that in writing and they refuse to do so but send me a copy of a False and misleading alleged contract. Ive also made numerous complaints regarding the fair debt collection practices act and the truth in lending act and the fair credit reporting act. Santander consumer USA is not respecting it. 
Instead they refused to comply and threatened to repossess my vehicle once again