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

In accordance with the Fair Credit Reporting Act, Fortiva : Account # XXXX, has violated my rights. 

This company continues to report a 30 day late payment to XXXX from XXXX of 2021. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

- I never gave these written instructions. & also. 

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

-I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive faxed and mailed several letters to XXXX, XXXX  and Experian stating that accounts was opened in my name when I was still a minor which I never authorized. I provided proof of date of birth along with my social security number. My year of my date of birth is incorrect along with some addresses that I never lived. These are some of the accounts XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX is my cousin which Ive tried many times to remove. 
The addresses that I dont recongnize is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was denied credit due to a collection placed on my report by PRO COLLECT collection agency. I was not notified that they were putting anything on my credit nor was I even aware of the debt. I don't owe any money to XXXX XXXX. It is for XXXX this is an error. 
I sent for proof of this debt to Pro Collect several times and they continue to just ignore me. They won't respond. This is not right and a violation of the law
Product: Debt collection

This account was opened fraudulent online, without my consent and knowledge. This debt account doesnt belong to me. Ive disputed this debt collection multiple times with the credit bureaus. And asked the bureaus to investigate this debt collection and to ask the creditor to provide proof of evidence proving this account belongs to me. I want the creditor to provide me with a copy of my CA/ID or Signatures etc and they have not provided me with anything and the bureaus just continue reporting false and incorrect information on my credit report and has been affecting my score and history. But recently I received a notification on my email with XXXX XXXX stating that XXXX has removed this debt from my credit report and will no longer affect me. But I dont understand why does it still show on other reports. I want for this creditor to delete and stop reporting this fraudulent information that is only damaging my credit and score and is preventing me from getting credit.
Product: Vehicle loan or lease

I purchase this car in XX/XX/XXXX. AT that time I want to XXXX to purchase the car. When I left the dealership I began to notice a lot damage done to the car but I kept paying the note. I never received my plates so I went to Illinois secretary of state and found out the dealership did not register the car. Fast forward to recently where I fail behind due to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX even though I was paying he interest rate was so high everything I paid the amount owe never went down. Recently in XX/XX/XXXX I requested a copy of my contract and to my surprised I found a lot of fraudulent activity. I did not put {$3000.00} down and I only put {$500.00}. That was the first inconsistently. The next is I never received the contract because I would have never would had agreed to paying {$50000.00} at the end of the loan for a XXXX at that when XXXX and XXXX cost less than that .When I was at XXXX XXXX XXXX everything is on the computer and not wet signature and car salesman click all disclosures which I never head a chance to read. Fast forward I just moved on XX/XX/XXXX and they came to reposes the the car on XX/XX/XXXX. I have not gotten any notice to come get my things out the car. I had over {$1000.00} of things in that car because I was still in the process of moving that same week and a lot of things were in the car. Under Illinois law the creditor did not follow law. After repossessing your car, the creditor must send you a notice of the repossession and an Affidavit of Defense within three days. The Notice of Redemption tells you whether the creditor will keep or sell your car. It also tells you if you have a right to buy back your car. The Affidavit of Defense will let you explain why you did not make payments on the car, and explain any defenses you have to the repossession. Also. The repossession agent must make a list of your belongings that they found in the car. They must then give you a notice within five days that tells you how to recover your items. 
1. The contract was falsified and fraud and I never received the install agreement 2. They falsified the down payment amount of {$3000.00} and I only paid {$500.00}. 
3. I did not received a notice for default. 
4. I did not received a letter of repossession after 3 days and its been over two weeks. 

I am currently looking to sue company for maximum allowed.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT XXXX XXXX XXXX ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.
Product: Debt collection

COMPLIANT IS NOT A DUPLICATE PLEASE REFER TO PREVIOUS COMPLIANT WRITTEN ON XX/XX/20 MARKED AS DUPLICATE. 

GUILTY OF NOT FOLLOWING SECTIONS 609 AND 611 AS DOCUMENTED OVER 43 TIMES. 

HAS COMMITTED PERJURY FRAUD AND NEGLIGENCE. 

HAS REFUSED SERVICE. 

HAS CONTINUED REPORTING FALSELY ON ALLEGED ALLEGATIONS FOR UNVERIFIED ACCOUNT AND CONTINUED WRITING DEFAMATORY STATEMENTS BUT NOT LIMITED TO HAS COMMITTED TAX FRAUD REMOVE ANY AND ALL INACCURACIES BUT NOT LIMITED TO IMMEDIATELY AS YOU ARE MONTHS PAST THE DEADLINE TO DO SO. 


THIS COMPANY RECEIVED 45 PAGES TO VERIFY AND RESPOND TO WHICH THEY REFUSED TO DO. 

THIS COMPANY HAS GIVEN MERE STATEMENTS OF BELIEF AND NOT FACT. 

THIS COMPANY IMPERSONATED AN OFFICER OF THE LAW.

THIS COMPANY REFUSES TO FOLLOW SECTIONS 609 and 611 AS DOCUMENTED AND CONFIRMED AS RECEIVED OVER 45 TIMES THIS COMPANY CONTINUE HARASSING CALLS AND HAS FAILED TO FOLLOW CEASE AND DESIST THIS COMPANY HAS COMMITTED PERJURY UNDER OATH THIS COMPANY HAS COMMITTED BUT NOT LIMITED TO FRAUD NEGLIGENCE SLANDER WITH DEFAMATORY STATEMENTS THIS COMPANY HAS NEVER PROVIDED ANY LEGALLY COMPLIANT VERIFICATION AS REQUIRED AND STATED BY WAY OF 45 CERTIFIED CONFIRMED AS RECEIVED LETTERS. 

THIS COMPANY FILED A FRIVOLOUS LAWSUIT OVER ALLEGATIONS NEVER HAVING SPOKEN TO THE ALLEGED CONSUMER THIS COMPANY SPOKE WITH PERSONS OTHER THAN THE ALLEGED CONSUMER. 

THIS COMPANY CONTINUE THREATENING LEGAL COURSES OF ACTION OVER NON VERIFICATION. 

THIS COMPANY HAS FALSELY MISREPRESENTED THEMSELVES AND SHOULD NOT BE ALLOWED TO PRACTICE LAW FOR WILLFUL AND PURPOSED NEGLIGENCE USING ILLEGAL TACTICS AND NOT FOLLOWING THEIR ETHICAL DUTIES OF THE PROFESSION OF LAW AS IN THE CANDOR TO THE TRIBUNAL AND THE BUSINESS PROFESSIONNEL OATH TAKEN TO PRACTICE. THEY ARE GUILTY OF MALPRACTICE FOR ALL REASONS STATED BUT NOT LIMITED TO. 

AGAIN THEY REFUSED SERVICE FROM ALLEGED CONSUMER AS DOCUMENTED KNOWING THEY WERE IN THE WRONG.
Product: Credit reporting, credit repair services, or other personal consumer reports

INQUIRIES THAT I DID NOT AUTHORIZE BELOW : - XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX  - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX  - Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX - XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX - XXXX  - - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX- Inquiry date : XX/XX/XXXX - XXXX XXXX  - Inquiry date : XX/XX/XXXX ** I have NEVER gave signed authorization to any of these companies to have access to my credit report and get an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian just dont get it. IF A PERSON DIDNT APPLY FOR SOMETHING, remove it from their credit report. Is that so much to ask for?? If you cant do your job, then maybe its time to resign. Ive disputed many time and none is resolved. The recent one was because of fraud WHICH the bank directly mailed you guys to have it removed. Still didnt do it. Such lazy and embarrassing credit agency. Cant wait for all 3 useless credit reporting agencies to be gone if they dont want to help out the consumer.
Product: Credit reporting or other personal consumer reports

My recently checked updated personal credit report still has some unauthorized credit inquiries still remained on my personal credit report. I once contacted these companies and asked them to remove their credit inquiries from my credit profile. I also requested that you initiate an investigation into the below inquiries on my credit report to determine who authorized these inquiries. I know your investigation is complete, and you find my allegation to be true, please remove these inquiries, inaccurate names and addresses from my credit file. Here are the remaining items for removal : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/year> XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX. The items I am disputing do not concern any transactions involving the acquisition of goods, services, or funds that I have initiated or approved. Please help me remove them as soon as possible.
Product: Credit card

The Company is denying me access to my account. Will not provide me any information on how to regain access or verify my identity in person. I have asked If I can physically go and verify my identity at their location with all legal documents and they can not confirm if this will be acceptable. there is no other way to recover my account with out receiving physical mail ... from an address that i do not have legal access to. I forgot my account number and lost my credit card. I believe that this is just a way to profit from the consumer by forcing them to pay interest on account that will eventually be recovered. FRAUD BY CITI BANK TO " PROTECT YOU FROM FRAUD ''.
Product: Debt collection

I DO NOT owe any debt. I have called Radius Global Solutions at least 2 DOZEN times. They have acknowledged it is a wrong number and still keep calling me. I I want it STOPPED. They call every day, 2 to 3 times per day. I'm NOT the person they are looking for. They are abusing my phone and my time.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I Sent a Request for All Inaccurate information to be update and have yet to receive a response or course of action from all three Credit Bureaus. I also sent another request for a response and have yet to receive and information regarding my dispute. My next course of action it reaching out to the CFPB to help me resolve the issue with Transunion, XXXX and XXXX.
Product: Consumer Loan

We have leased a XXXX XXXX in XXXX XXXX and it was more in the shop than with us. In two months we have had over XXXX rental cars and have tried to resolve the issue with VW. Before leasing the XXXX we have traded in a XXXX XXXX and were promised to receive XXXX for it. The monthly lease for XXXX was XXXX with residual of XXXX. 
We did not have a chance but to bring the XXXX back in XXXX and traded it in for a XXXX. Monthly lease of XXXX and residual unknown. However, we have not gotten any credits back or any downpayment made towards the firs lemon car XXXX and have gotten additional fees added on the XXXX for trading in XXXX after less than three months. We have always paid on time and in full. In XXXX and XXXX XXXX I became laid off and contacted VW to ask about my options. We were told that for two months we do not need to make the payments since we were enrolled in some protection plan. Still, we have made payments as much as we could and have been reported to the credit bureaus as making LATE Payments! And all we did was make additional payments while we were not required to. This information has been disputed but VW did not agree to correct it from our records. In XXXX XXXX we have had transfers in amount {$2100.00} going to VW towards the Lease. As I realized that something was wrong and contacted VW we were told that they would refund the money as it gets transferred. On XXXX XXXX we still have not received anything back we decided to pay off the XXXX and trade it in for a different brand. The payoff amount was quoted XXXX and that day VW electronically also transferred additional XXXX from my checking, although the dealership had paid all of the quoted balance of. We called several times to get the money back since we no longer had the car and did not authorize the transfer but no-one called us back and we never received any money. We have inquired several times to receive written disclosures and all documents and payments received from the VW Lease and Finance office and no-one ever has sent us anything but that the balances are paid off. We are requesting the additional {$2600.00} that was taken from our debit in XXXX and XXXX to be immediately refunded to us, as well as any missing downpayment that should have been transferred to XXXX after XXXX was a lemon car. We have tried to dispute it through our banks but they were also not successful of it. We also require the late payment wrongful reporting to be corrected of the consumer reports and we hope you can help us to achieve this within next 30 days?
Product: Debt collection

XX/XX/2021 i sent a complaint to CAINE & WEINER through the consumer financial protection bureau along with a cease and desist notice. CAINE & WEINER have defaulted on providing the proper validation of this alleged debt yet continue to pursue collection. They failed to comply with the fdcpa and are now civilly liable to me. i have attached a notice of default and affidavit along with an invoice for all damages incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

These fraudulent accounts should be DELETED from appearing on my credit report pursuant to SECTION 605B OF THE FAIR CREDIT REPORTING ACT. Pursuant of FCRA section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Transunion is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physically & financially... and I would truly not what to pursue a legal remedy... Please delete the accounts below : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom it may concern, I 'm being improperly sent to a collections department by XXXX in regards to a case that dates back to 2012. I have sent numerous E-mails and placed numerous phone calls to XXXX with no response or resolution with my concerns. The issue at hand is that they are attempting to charge me over {$800.00} for a phone that was under warranty and sent back to them. As I refused to pay their felonious charges they sent me to collections. I successuflly had the first XXXX or XXXX collection companies removed from my credit as I contested their collections and stated my case to the various credit agencies. Low and behold the account has been sent to another collections company. I never received anything in writing from the new collections company and only found out when I applied for a refinance on my mortgage. The collection agency is Enhanced Recovery Company and has numerous complaints against them for similar tactics. A simple google search of their company and XXXX will find that there are numerous other people who have experienced the same issues that I have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir or Madam : Theres inaccurate and incomplete information listed on my credit report. I have made multiple attempts to get this information resolved! Ive been ignored with no response! Im requesting that the following information thats appearing on my credit report be removed at this point. 

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX 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 fu
rnish an account without my written instructions.
Product: Debt collection

I received a call from Sequium XXXX for a XXXX account a few months back. I believed it was fraud beacause I currently have XXXX in good standing. I advised the rep that account was not mine, I was disputing. Last week Sequium started reporting negative tradelines. I have already sent them a police report regarding ID theft. Also, disputed through XXXX. I am attempting to purchase a home and would like to get this resolved quickly. Due to Sequiums actions I was unable to close on the home last week.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have tried to login into my account ( s ) to get credit reports & dispute not known accounts via XXXX, XXXX, & Equifax and each one is " unable to complete my request '' online
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive sent dispute letters to equifax credit bureau to investigate derogatory remarks on profile XX/XX/XXXX. They recieved dispute letters XX/XX/XXXX. They have yet to send me a status update or notification through mail. It is now 45 days
Product: Credit reporting, credit repair services, or other personal consumer reports

I am moving across the country and applying for apartments. I had placed freezes on my credit at all 3 agencies due to the EquiFax breach in XX/XX/XXXX. As I was removing the freezes ( XX/XX/XXXX-XX/XX/XXXX ), I was verifying my personal information. EquiFax had an old address listed as my current ( XX/XX/XXXX ). I inquired about how I can update it and EquiFax customer service instructed me to fax a utility bill, social security card, drivers licenses and cover sheet to XXXX. I was informed it would take 48hrs to process. I completed and recieved a fax confirmation on at XXXX PST on XX/XX/XXXX. I informed the apartment management company and they agreed to wait until XX/XX/XXXX to run their inquiry. I phoned EquiFax the morning of XX/XX/XXXX to ensure the address was updated. I was informed it was not and there were no documents uploaded to the system. I was on the phone with 8 different EquiFax representatives over the course of 3 hours and on one could help me. I was finally transferred to a manager, XXXX, who performed the same actions as the previous 7 EquiFax employees and, again, could not help me. I inquired about speaking to his supervisor and was told it was not possible and he proceeded to terminate the phone call, against my wishes, with no resolution.
Product: Checking or savings account

Electronic funds was deposited into my account. A monthly stipin from the department of treasury from the Veterin Affaris ; this is government issued pay ; not earn income. The first stipend from the VA includes back pay ; {$XXXX} ... ; going forward it will be {$XXXX} ... This money is suppose to be protected/expect from guarnesment. The moment the money was deposited in my account the same bank stole it to pay off previous credit card debt that was written off by the bank. This will cause financial hardship if this money issued back to me. Please help ; my and my family livelihood is relying on this money.
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 # XXXX Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX # XXXX has violated my rights. 


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. Someone used my social security number to open these accounts.