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

I called the credit Bureaus to report unauthorized inquires on my credit file, and I was told to contact the companies directly it was nothing they could do on XXXX. I spoke with all the companies listed below and was told I had to contact the Bureaus for the unauthorized inquires on my credit file. These are fraudulent and need to be removed as soon as possible. The fraudulent accounts are listed below ... 

XXXX XXXX XXXX ran in inquires listed below : A total of 5 times on different days without authorization. 
XXXX XXXX XXXX : Inquiry dates : XXXX, XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX. 
XXXX XXXX : Inquiry dates : XXXX, XXXX " claimed they didn't run my credit '' after I spoke with them on XXXX XXXX XXXX XXXX ran the inquiries listed below without authorization, a total of 8 times. I went to the dealership XXXX and requested to speak with the manager XXXX and informed him I didn't authorize these inquires : XXXXXXXX XXXX   inquiry date : XXXX XXXX XXXX : XXXX XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX XXXX/XXXX XXXX   inquiry date : XXXX XXXX XXXX XXXX inquiry date : XXXX FXXXX XXXX XXXX : inquiry date : XXXX These companies all been contacted individually by phone and I was told to contact the credit Bureaus after I explained to the companies that I had already spoken the each credit Bureaus and the Bureaus had to me contact each company because they couldn't do anything.
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 confidentially under 15 USC 1681 Name of Account Account Number : 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.

15 U.S.C. 1681 Section 604 A. Section 2 : It Also States As 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, 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 know or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

XXXX XXXX XXXX  Called my Son XXXX XXXX to tell him that I had a applied for a potion in a warehouse, my son stated the guys name was XXXX and he I had used my son XXXX as a reference for the job. 

I called back XXXX and it turns out it a debt collection agency who was proving my son with false information in order to speak with me. They had tried to contact me and I had asked them not to call me anymore as I have never done business with this company. 

He also stated he was from the FCC when I spoke to my son on the phone. He called my son at XXXX at XXXX.
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I contacted National Credit Adjusters regarding the alleged XXXX debt they claim I owe demanding validation of the debt pursuant to the fair credit reporting act as well as the fair debt collection act. National Credit Adjusters has refused to validate the debt.
Product: Credit card or prepaid card

On XX/XX/2022 a credit card with Bank of America was opened in my name. All information was correct in it but the address and phone number. On XX/XX/2022 after not receiving said card, I proceeded to call Bank of America and tell them I had not received this card. I asked where the card had been sent and it was sent to XXXX XXXX, Texas. Where I have not resided in almost a decade now. The customer service rep I spoke with then closed the account due to fraud. I was then told that it should be resolved by XX/XX/2022 and should also reflect on my credit report also. My credit report still shows that it is an active and opened account. It is now XX/XX/2022, and I spoke with XXXX this morning to try and resolve the issue still. My credit has taken a direct impact due to this fraudulent card being opened in my name.
Product: Credit reporting or other personal consumer reports

To somebody who can help me. I am deeply upset about the erroneous things I see on my credit report. These accounts are unverifiable, invalidated, inaccurate, and questionable. If everything is not reporting 100 % accurately it must be removed. I hope the bureaus find out what's going on to and who the inaccurate information belongs to. Can you all clear this up quick. It is my understanding that you will do an investigation immediately, a new credit report that reflect the updated changes should be sent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a lot of dispute letters to this credit report bureau, explained that the late payment appears on my credit report on XX/XX/XXXX, is incorrect. because i had called the bank itself a head of time acknowledged them about a financial hardship for that specific month which makes me pay in two portion, 10 days later. and i was promised that they will consider the good relationship with me as their customer and will not report that to the credit bureaus as a courtesy. but i was shocked after i obtained a copy of my credit report showing that late payment. so i disputed it with the credit bureau, also with the creditor itself, ( XXXX XXXX ). but instead of correcting that mistake they added a new late payment for the XX/XX/XXXX, while we are in XXXX i was told by XXXX XXXX through my phone calles, that they have already sent the deletion request to the credit bureau. but after 5 months waiting, calling, sending letters, i see no respectful results.
Product: Debt collection

I transferred phone service from XXXX XXXX to XXXX XXXX XXXX XXXX XXXX XXXX paid for the phones and the watches to be transferred to them, on the phone with XXXX XXXX confirmed cancellation of my whole account. They charged me for 2 yrs which totaled XXXX for service that was cancelled ... I was only reimbursed XXXX from XXXX XXXX ... .I do not owe them since I did get a refund
Product: Credit reporting

on XX/XX/XXXX I disputed the account the account with hunter warfield on the grounds that the company has failed to notify me prior to reporting to the beauru. according to the FCRA the reporting agency has a responsibility to have a process to investigate not only the companies response buy mine as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is a follow up to my original letter dated ( insert date of original letter ) regarding an inaccuracy in your credit reporting. 
Specifically as it relates to credit inquiries that i did not authorize.I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. 

I am making this final goodwill gesture to allow you to correct your erroneous reporting, and i am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal.Nov.14,1995 ), you may be liable for your willful non-compliance. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation
Product: Checking or savings account

I signed a legal contract to purchase a truck for my company. XXXX, whom is owned by Capital One was used for the money transaction. Capital One has comitted a Regulation E violation on me. At no time was I told the bank I used was not protecting me. On XX/XX/2021 I sent {$2500.00} as a deposit and got on a plane to California to pick up my new truck. Upon arrival the truck and the man I purchased the truck from ( not full purchase only deposit per contract XXXX were no where to be found. I instantly called Capital One and told them to cancel payment and file fraud/scam at which time I was sent to someone who took down the information and said it would be resoved within 30 days. Since then I have called every other day and gotten a different story each day. Recently I was told I would more than likely not get my money back because I used XXXX? XXXX is owned by my bank. IF Capital One has no desire to protect thier customers and only aid to scammers they should not be allowed to be insured, nor authorized. There are NO indicators that I would not be covered. The only reason I chose to use XXXX was because it was from my bank and co-owned by my bank. This is a classic violation. They have done NOTHING but send me in circles and give me the run around without an appropriate resolution, response or even a simple I am so sorry this happend to you. I have been a faithful customer of XXXX XXXX for years, and once this is resolved I will never allow them to handle my business matters or money ever again. I am an independent company that relies on dedication and I have been tossed to the curb. I have lost more money trying to get my money than the law should allow. And this is WITH a legal contract. Capital One is assisting scammers to commit fraud and need to be held accountable for their actions. I will not stop until they are!
Product: Credit reporting, credit repair services, or other personal consumer reports

I DO NOT CONSENT TO, AUTHORIZE NOR BENEFIT FROM THE FOLLOWING ALLEGED ACCOUNTS TO 15 U.S. CODE 1602p. BLOCK AND REMOVE THEM. PURSUANT TO 15 U.S. CODE 1681C-2. THIS FTC REPORT W ERROR. I ALSO DID NOT RECEIVE ANY SERVICES. IF YOU THINK I DID PLEASE HAVE A SENIOR EXECUTIVE PRO THE PENALTY OF PEJURY.I am a victim of identity theft. The fraudulent information listed below is showing on my credit file but is not mine. I am officially disputing the fraudulent information and request an immediate investigation. Please remove the fraudulent information immediately from my file.
Product: Student loan

I just found out from my current student loan servicer XXXXXXXX XXXX XXXX ( XXXX ) that back on XX/XX/2007 my other student loan servicer at that time ( ACS Education Services ) marked my account " disqualified '' for the 1 % interest rate reduction that is normally a borrower benefit program ( BBP ) that occurs " after 36 on-time installment payments within {$5.00} of the installment amount. '' I've discovered that this disqualification done by ACS that was notated on the account back in XXXX  was made in error, as there were no missed/late payments to justify the disqualification. I've verified that all payments were made on time, and this student loan account was always current. I've also verified this with the credit reports from that time. My monthly student loan payments have been on automatic bank withdrawal each month from the beginning. The 1 % interest rate reduction should have taken place in XXXX, and my account needs to be corrected accordingly. 
I can not reach out to ACS as they are no longer a company, and neither is Conduent Education services LLC who took over ACS. Conduent shut down operations in XXXX XXXX XXXX my current loan servicer stated they do not have access to my records from XXXX  as they were not the loan servicer at that time. I'm needing my student loan account corrected to backdate to XXXX  and reflect the 1 % interest rate reduction that should have taken place.
Product: Credit reporting or other personal consumer reports

Please see the attached documents to this report PLEASE REMOVES THESE ACCOUNTS FROM MY CREDIT REPORT AS THEY ARE NOT MINES AND I AM A VICTIM OF IDENTITY THEFT Under 1681i ( a ) of the FCRA, you are obligated to investigate disputes and correct or delete any unverifiable information. Additionally, according to 605B, you must delete any fraudulent information within four ( 4 ) days of receiving notice of the identity theft. I have already filed a report with the Federal Trade Commission ( FTC ) regarding this matter, and I have attached relevant documentation to support my claim. 
The presence of this fraudulent account on my credit report has caused me significant emotional distress, including XXXX and anxiety, as I have been denied credit opportunities and faced undue scrutiny. This situation is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), which protects consumers from abusive practices. 
I demand the immediate deletion of the ( account name ) account from my credit report within four days, as mandated by law. Additionally, I expect compensation of {$1000.00} for the severe emotional toll this situation has taken on my mental health and well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX {$23000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX  XXXX {$96000.00} This is a FCRA law violation. I was never late. 

XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX. Remove inaccurate, incomplete, unverifiable, unauthorized, or fraudulent negative items from my credit report. 
FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Checking or savings account

My email was hacked, and all my information was accessed, including bank accounts and attempts to open new loans. My banks closed my accounts without any warning or notification. They didnt inform me to stop by to open a new account ; instead, they simply stated that my accounts were being closed and that I could no longer bank with them. How did the bank make this decision so quickly without verifying anything or providing any proof, video, or evidence? 

Additionally, how did the bank allow someone to deposit checks into my account at a teller without verifying my identity or contacting me? This happened XXXX times, which led to all my accounts being closed. I need these incidents removed from my Early Warning bank history, as I'm trying to open a new bank account to buy a house. Thank you.
Product: Debt collection

The company in question is JHPDE Finance 1 LLC. I have never been contacted by this company, ever. I found out they had an open collections account on me from 2018 when I recently started paying off my debts. That account was sent to a civil court in VA for a judgement but was dismissed. Now, they reopened that collections account. Once again, they made no attempt contact me. I only found out through alerts from my credit monitoring service. I've tried calling them and they keep referring me to different departments, both whom insist they don't have my information in the system. None had my contact info or address. How is possible they are able to open a collections account on me when they never contacted me, or when they don't even have my account in their system? I painstakingly paid off all of my debts in the last 3 years ( over XXXX in debt ), and right when my credit was improving, these guys do this. To make matters worse, I am ready and willing to pay the full balance right now, but I can't.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has been reporting Erroneous and fraudulent information there for violating the FCRA ( Fair Credit Reporting Act ) section 609 - 811. I am currently seeking to bring litigation to Experian because my character has been defamed. I demand that these accounts be removed immediately.
Product: Student loan

On XX/XX/XXXX I received an email from Navient stating that two FFELP loans had to be recertified for my IDR by XX/XX/XXXX. However, when I logged into the Dept of Ed website I was notified that my IDR is not needing to be recertified until XX/XX/XXXX. Navient continues to provide misleading information to those who have loans being serviced by them. I've been on an IDR for the last 10 years for my loans, primarily through Navient until XXXX bought some of the loans in XXXX. 

As a result, I can not afford for there to be a lapse in my IDR as, per the agreement, as long as paid on time and in an IDR for 20 year the remaining debt is canceled. Or so that is my understanding. I feel as though Navient is intentionally causing confusion and rarely provides accurate answers. 

How much more time do I have in my IDR before the remainder of my loans are cancelled? Also, when do I have to recertify? Because if I go off the Dept. of Ed, who I should be following, then it's not for another year. If I go off what Navient is saying, then they will increase my payments and who knows what will happen to the time I've spent in the last 10 years making payments. 

Lastly, per Navient 's website the date that they have for " loan payoff '' based on my IDR is in XXXX. That is TWENTY more years from this year, on a loan that is suppose to have cancellation after 20 years, that has been paid for 10 years already. It doesn't take a rocket scientist to figure out there is once more misleading information.
Product: Debt or credit management

Thank you for taking time out to read this but it seems as if as soon as the student loan debt relief was over. My credit score took XXXX at one time. That seems to be a awful big decrease in credit that will keep me from being able to purchase a new home or car it just damaged my credit completely.
Product: Checking or savings account

I opened Citibank Account Package including both Checking Account and Saving Account at the beginning of this month and then transferred XXXX $ from my Chase checking account to that saving account. 
On the morning of XXXX XXXX, I receive an email titled " Confirmation : Your Citibank? Banking Card is now unlocked ''. But I do not receive that card. Therefore, I open my online CITI bank asap and find there is a withdrawal XXXX $ in that Saving account ( Cash Withdrawal XX/XX/12 XXXX # XXXX Citibank ATM XXXX XXXX XXXX XXXX, XXXX , CA ). I report this case to CITI online bank asap. The custom service block that card, record this case and ask me to wait for further message. 
The manager of my building says our building is broken into by thieves that morning. Mailboxes and some equipment in the hall are destructive. The thieves obtain the mail with card then unlock it and withdraw money on ATM. I have reported this incident and Identity Theft to XXXX police and IdentityTheft.gov. 
At last, CITI tells me that this withdrawal was made from your account with your Citibank Banking Card and refuse any reimbursement. The focus is the transaction is an unauthorized ( this card has been used without my permission ) instead of whether it is made from my account. 
These days, I contact custom service of CITI online bank and call servicing hotline. They refuse any reimbursement and offer any further explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im filing a complaint to you today to inform you I was the victim of identity theft and I want the erroneous items in my credit report to be removed immediately. I already sent the necessary documents and files in FEDERAL TRADE COMMISSION or https : //www.ftc.gov, So I am here to notify/complain to you directly through this website. Here are the items that are erroneous in my file and need investigation : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2023, I purchased at my bank 4 cashiers checks to send in 1 at a time to Capital One Credit Card services. I mailed the first one on XX/XX/XXXX, so that it could be there by XX/XX/XXXX ( the payment due date ), they supposedly didn't receive it until XX/XX/XXXX. A late fee was applied. Mailed on XX/XX/XXXX and not received until XX/XX/XXXX is 19 business days. The US postal service does not take 19 business days to send a standard letter sized piece of mail from XXXXXXXX XXXX XXXX XXXX XXXX XXXX 

Fast forward to XXXX ' XXXX payment, I sent out XXXX 's payment on XX/XX/XXXX. It is now XX/XX/XXXX, and Capital One has not yet credited my account. It is my belief that Capital One is going to charge another late fee. 

I called my bank and inquired as to the status of the payment mailed on XX/XX/XXXX and it had not been cashed. Had this check been stolen, it would have been cashed. It is clear to me that fraud is happening at Capital One.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a letter re : inaccurate and unknown things on my credit report. It has been over 60 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives reason to immediately remove those items from my credit report. It has been over 60 days so they should be promptly deleted. This has really caused me a lot of stress and strain and I demand that these accounts be deleted immediately or I will file for litigation. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. I am currently not showing a score for my Equifax as well and I would like that corrected immediately.
Product: Credit reporting or other personal consumer reports

The debt is written off {$13000.00} the payment history is Incorrect. The volunteer repossession occurred XX/XX/year> they are reporting it for XX/XX/year> I have made recent payments in XXXX and XX/XX/year> that has not been reported to the credit bureaus lastly the overall balance is incorrect this company is attempting to collect {$6000.00} on a {$3000.00} debt
Product: Checking or savings account

On XX/XX/19 a check was deposited into this account for {$3000.00} but only posted to the account for {$1000.00}. This is the second time since XX/XX/XXXX we have had a problem with Chase and a keying error and they didn't fix the first issue so we don't really expect them to fix this issue on their own although we will also be contacting them. This is extremely irresponsible of them to continuously make these kinds of errors and there is no accountability for the errors they make.