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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now XXXXXXXX XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following Inquiries have been unauthorized to run my credit. I have no acknowledgment of these inquiries and never authorized. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX 2023, I submitted a request to block the accounts on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the 2015 XXXX data breach as well as XXXX 's 2017 data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$18000.00}
Product: Vehicle loan or lease

We applied for a loan several years ago with First Tech Federal Credit union for a XXXX XXXXXXXX XXXX. With that loan we elected to purchase and pay for gap insurance. This past month we decided to refinance our loan. A few weeks later, our son rolled and totaled our truck. We were told by a representative from First Tech last week that we had gap insurance. However, when XXXX cut the check for the pay out, there was a $ XXXX gap which First Tech is refusing to pay out because they said that when the vehicle was refinanced a week ago, the gap insurance was not renewed with the new loan. They are not honoring the years of gap insurance that was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom This May Concern, I currently have an account with Transunion where I used to be able to place and remove freezes, file disputes and do other maintenance. However, about 6 months ago, I became unable to get into the account and initiate any of these activities. There seems to be some sort of error or glitch which is preventing me from freezing my credit, accessing my XXXX XXXX XXXX ( via XXXX ), and making disputes online.

I called multiple times and spoke with numerous representatives. Each diagnosed a different problem and claimed that it had been corrected. After a few weeks I finally gave up. I've spent countless hours trying to correct this.

Tonight I tried once again to get in, hoping that whatever issues that once were have somehow magically been resolved. Unfortunately, nothing has changed.

At this point I do not know how to proceed. I am hoping this message reaches the appropriate department who can review the issue and correct it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, enclosed is a copy of letter I received. And attached to this complaint you will find necessary supporting documents. As well as a Police Report for Identity theft. I am requesting again for you to remove the inquiries and accounts as a result of Idenitity theft. These inquiries and accounts were all done without my consent or knowledge. Please remove ASAP. 
INQUIRIES : : : : : XXXX XXXX XXXX XXXX x 2 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Accounts : : : : XXXX XXXX XXXX XXXX. 
XXXX New Mexico
Product: Credit reporting, credit repair services, or other personal consumer reports

That a fair investigation would have elicited information about events or discussions that transpired among the me ( XXXX, XXXX ),  my wife ( XXXX, XXXX ), and ( XXXX XXXX - agent of XXXX XXXX  XXXX XXXX XXXX ), the creditors between XX/XX/2017 and XX/XX/2017 that cumulated in the judgment of XXXX XXXX XXXX on XX/XX/2017 dismissing the eviction charge including rent claims against us ( XXXX, XXXX and XXXX, XXXX ). No attempt was made by the debt collector and the credit reporting agencies despite our requests to prove or dispute my claim. 
That the amount of {$5300.00} billed against us by the creditor was included {$940.00} rental charges billed and dismissed by XXXX XXXX XXXX on XX/XX/2017. This is contrary to our agreement and the court ruling. 

Hence, XXXX and TransUnion Consumer Solutions 1. Refused to investigate the reason for and meaning of the judgement of XXXX  XXXX XXXX on XX/XX/2017 which vacated the debt of {$940.00} against XXXX, XXXX and XXXX, XXXX. the said amount of {$940.00} which was later incorporated in the debt of {$5300.00} sent to XXXX XXXX That other items in the invoice are fines related to the non-payment of the rent that XXXX XXXX XXXX on XX/XX/2017 dismissed. 
2. Refused to investigate the reason that the creditor did not discuss the or inform XXXX, XXXX and XXXX, XXXX about the debt before forwarding it t XXXX XXXX. 
3. Endorses the abuse of business process by the creditor and XXXX XXXX in pursuing a debt that the so-called debtors XXXX, XXXX and XXXX, XXXX were not properly informed about or given the opportunity to settle or negotiate. 
4. Endorses the abuse of business process by the creditor and XXXX XXXX in unfairly pursuing harmful damage to the credibility of XXXX, XXXX and XXXX, XXXX and punishing their child. 
5. Deliberately ignore the ruling of XXXX XXXX XXXX on XX/XX/2017 without asking for more information or providing the reason why the ruling does not apply. Thereby, a. arms the creditor to retain unfair debts in my rental history b. encourage the debt collector to continue hiding the current and updated contact details of the creditor c. endorse and encourage false claims by the creditor ( XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXEquifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : US DEPT ED XXXX Balance {XXXX}, XXXX XXXX Balance {XXXX}, DEPTEDXXXX XXXX Balance {XXXX}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information as well as all financially obtained documents and other safeguarded information, medical/dental records, employment records, and educational records and students loans and ID 'S have been stolen or viewed by persons with no consents to do so by myself. Personal information was shared by these people to my community for all to hear my protected information and business, as well as phone data info and personal and business contacts and names shared with the same undignified route. All info was announced to citizens and throughout the city; including aired in all businesses and public places via loudspeaker and PA 's. XXXX date XX/XX/23 with no ends thus far and dates are as I know of at this point. Reported to IC3.gov and local law officials thus far. All issues are on a local, state, federal level and include violations of civil and privacy right laws, employment laws, stalking and harassments included on public and private properties. 

** please correct personal info to .whitt
Product: Debt collection

I real complaint is with XXXX! They are relentless. This is the XXXX collection agency they've sent me to even after it have been established that this debt is not owed and have been closed for more than 2 years now. 

I received a letter from Source RM on XX/XX/2020. I immediately calls them and informed them that this is bogus and that they are the third company that XXXX has used to try to extort money from me. The customer service representative informed me that she would take care of it. I never heard from the company again via phone or mail. Instead they FALSELY reported this wrong and harmful information to the credit bureaus causing my credit score to drop severely. This negative reporting continually and unexpectedly is causing irreparable damage to major financial moves I'm trying to make and I need this to stop once and for all! I DO NOT OWE THIS DEBT!!!
Product: Debt collection

XXXX has placed an account in collection associated with my name. On XX/XX/XXXX I attempted to gather information regarding this charge from both the collection agency ( AFNI INC. ) and XXXX. The information that was provided to me was that the charges we're regarding a account for XXXX XXXX that ended around XX/XX/XXXX per XXXX, while AFNI stated services ended in XX/XX/XXXX. I have informed XXXX and AFNI that I have never had a home security account with them and that the address for the service location was vacant starting XX/XX/XXXX pending sale of the home. I requested that the XXXX agent I first spoke with, provide me with a contract for the services and/or copy of the bill. I was not provide either information but rather a phone number to the collection agency that had already informed me to contact XXXX regarding the issue. I ask to speak to a supervisor and while on hold the call was terminated from there end. I have also request information from AFNI on the same date. I was only provide amount owed, date service ended, date it went to collection, and that it was my debt based on the fact it was associated with my name and social. Based on my records any services I had with XXXX were terminated on XX/XX/XXXX with a payment of {$150.00}, along with a final payment of {$60.00} on XX/XX/XXXX for remaining account balance. Neither company has provided me with enough information that verifies that I owe or own the account.
Product: Money transfer, virtual currency, or money service

JPMORGAN FINANCIAL CORP HAS BEEN exposing ALL MY PERSONAL INFORMATION TO OPEN LINES OF CREDIT, CREDIT CARDS, XXXX XXXX XXXX XXXX XXXX # XXXX MY OLD # WITH XXXX XXXX SINCE 1993!!! MY NEW PHONE IS XXXX. PLEASE CALL ME. THESE CROOKS HAVE ALSO CHANGED MY CREDIT REPORT INFO THRU XXXX AND XXXX FOR THE PAST YEAR IVE BEEN TRYING TO GET THEM. Pain and suffering for LOSS TIME N HEALTH ISSUES TOO
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I recently received a copy of my credit report and I noticed some accounts on my consumer report that should not be on there. 
This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately : The reporting of these account ( s ) is/are violations of 15 USC 1681 , and the Fair Credit Reporting Act [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. 


Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

I have an Zelle account and I am a bartender so many people have tried to send me money and I never received my money. They never disclosed or had a verification before you send the money to the right person. So I never received money many times
Product: Vehicle loan or lease

Company asked for a {$7000.00} down payment on vehicle and did not included an insurance premium. As per 15 USC 1605 finders fee charge should be included in the finance charge and also insurance Premium or other charge for any guarantee.
Product: Credit reporting or other personal consumer reports

Had problem logging into Experian to unfreeze credit. Called XXXX ( a number I had saved when I froze my credit ) and was told by XXXX XXXX Id have to write to all 3 bureaus and itd take 2-3 weeks to unfreeze my credit. Alternatively I could pay {$360.00} for a program, better than XXXX, to have it done right away. He sent me a text from XXXX to click XXXX XXXX XXXX  and someone would call back. I dont click links. 

Heres the full text : XXXX, nice speaking with you.Here is the link for your lifetime plan : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reply STOP to opt-out. 

This company was not Experian. I went back to site and was able to reset account credentials to proceed. No il concerned I exposed my data to a fraudster.
Product: Credit reporting or other personal consumer reports

My information was used without my knowledge or consent as I am victim of human trafficking of Debt Bondage. Please delete the following accounts. XXXX XXXX XX/XX/XXXX BALANCE - {$1100.00}. XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX BALANCE- {$1500.00}. XXXX XXXX XX/XX/XXXX BALANCE - {$4900.00}. XXXX XXXX XX/XX/XXXX BALANCE- {$2900.00} XXXX XXXX XX/XX/XXXX BALANCE- {$1500.00}. XXXX  XXXX XX/XX/XXXX BALANCE- {$1300.00}. XXXX XXXX XXXX XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX BAL- {$3600.00} XXXX XXXX  XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XX/XX/XXXX BAL- {$120.00}. XXXX XXXX XX/XX/XXXX BAL- {$10000.00}. XXXX XXXX XX/XX/XXXX BAL- {$920.00} XXXX XXXX  XX/XX/XXXX BALA- {$6200.00}. XXXX  XXXX XX/XX/XXXX BAL- {$500.00}. XXXX  XXXX XX/XX/XXXX BAL- {$320.00}. XXXX XXXX XX/XX/XXXX BAL- {$3900.00}. XXXX XX/XX/XXXX BAL- {$73.00}. XXXX XXXX XXXX  XX/XX/XXXX BAL- {$1100.00}. XXXX XXXX XX/XX/XXXX BAL- {$3700.00}. XXXX XX/XX/XXXX BAL- {$7500.00}. XXXX XX/XX/XXXX BAL- {$590.00}. XXXX/XXXX  XX/XX/XXXX BAL- {$2400.00}. XXXX  XX/XX/XXXX BAL- {$3600.00}. XXXX  XX/XX/XXXX BAL- {$8600.00}. XXXX XXXX XX/XX/XXXX BAL- {$8300.00}
Product: Vehicle loan or lease

I was given a deferral with Carmax Auto Finance in XXXX of XXXX, due to my daughter becoming, and continuing to be, severely ill. They are reporting that deferred payment as a 60 day late payment on my credit reports and refuse to remove it. When the deferral was e-signed, they rescinded my ability to see the document so I have no proof. I have spoken to them weekly about deferring the next few payments and they refuse. I've asked if the loan could be restructured and they refuse to do that either. I've even asked if we could delete the negative reports on my credit so the vehicle could be traded in on a less expensive one. Carmax Auto Finance, as of today, called to inform me that unless I could make a payment my vehicle would be repossessed because I haven't made payments for 12 consecutive months. My first account with them opened XX/XX/XXXX, and I traded that vehicle in on the new loan on XXXX. I can't refinance because they have damaged my credit, and I can not trade it in because of the balance owed, and I can't make the payments and feed my family to. I emailed the CEO and Finance Manager begging for assistance of any type- which is what resulted in the phone call today that gave no new resolutions other than pay or don't.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : account # XXXX, XXXX XXXX : account # 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 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 am writing to request a reinvestigation of the following item on my credit report. I believe that the information listed below is inaccurate and would appreciate your prompt attention to this matter. 
Disputed Item : Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding unauthorized credit inquiries appearing on my Equifax credit report. Despite my repeated attempts to resolve this matter directly with Equifax, no action has been taken, and I have received no correspondence or evidence of an investigation. Unauthorized Inquiries in Question : XXXX - XX/XX/XXXX. Actions Taken : XXXX. XX/XX/XXXX : I sent a written dispute letter to Equifax, requesting an investigation into these inquiries. I made it clear that the inquiries were unverified, unauthorized, and unrelated to any account or credit application l initiated. I also requested : Proof of the investigation. Evidence showing | authorized these lenders to access my credit report. Immediate deletion of the inquiries if they could not provide the requested proof. XXXX. XX/XX/XXXX : I followed up with a second written dispute letter to Equifax, reiterating my concerns and restating my requests for investigation, verification, and potential removal of these inquiries. Equifax 's Lack of Response : To date, I have received no correspondence from Equifax confirming receipt of my dispute, nor have I been provided any evidence of an investigation or proof that these inquiries are legitimate. This failure to respond and act in compliance with the Fair Credit Reporting Act ( FCRA ) is unacceptable and a violation of my rights as a consumer.
Product: Credit reporting or other personal consumer reports

FIRST PROGRESS CARD is in violation of multiple laws set forth by Congress in regards to the following account XXXX XXXXXXXX. 15 U.S. Code 1681a ( 2 ) ( a ) ( i ) states that the consumer report does not include information solely as to transactions or experiences ( payment history, charge off status ), between the consumer ( myself ) and the person ( FIRST PROGRESS CARD ) making the report. Additionally, 15 U.S. Code 1681 s-2 ( a ) ( 1 ) ( A ) states that A person ( FIRST PROGRESS CARD ) shall not furnish any information relating to a consumer ( ME ) to any consumer reporting agency ( XXXX, XXXX and XXXX ) if the person knows or has reasonable cause to believe that the information is inaccurate. FIRST PROGRESS CARD can not collect on a discharged debt. This is now considered a certificate of indebtedness per the IRS and income can not be reported. The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! I provided a screenshot from the IRS website. By Definition, the IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate. I never received a 1099-C from FIRST PROGRESS CARD for the cancelled debt in order to file as ordinary income. Where is my 1099-C FIRST PROGRESS CARD is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS. This is unsatisfactory! FIRST PROGRESS CARD has been HEREBY PUT ON NOTICE that they are furnishing incorrect inaccurate information. In FIRST PROGRESS CARD terms and conditions they agreed not to share my information with non-affiliates. XXXX, XXXX and XXXX are not an affiliate of FIRST PROGRESS CARD nor are they bureaus ''. The only true credit bureau is the CFPB and they DO NOT furnish consumer reports as stated in federal law. I have a right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 5 U.S. Code 552a. Per the FCRA as a federally protected consumer I am now opting out of any and all authorization I the consumer may have given you written, non-written, verbal, and nonverbal per 15 USC 6802. I shall also point out their responsibility pursuant 15 U.S. Code section 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) : ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( 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 for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX/Goldman credit card and was shown a XXXX score of XXXX. I accepted, but then checked with TransUnion directly and my score was XXXX! I was deceived and given a high APR and low credit limit using inaccurate information.