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 severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX  old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am demanding equifax to block and delete the identified information on my consumer report, i have expressed numerouse times to equifax that they are in violation of my rights to privacy and the inquiries are a result of identity theft ( PLEASE SEE ALL ATTACHMENTS ) XXXXDRIVER LICENSE XXXXIDENTITY THEFT REPORT XXXXREQUEST LETTER
Product: Credit reporting, credit repair services, or other personal consumer reports

Have sent multiple attempts to XXXX, Equifax and XXXX disputing incorrect names and addresses
Product: Credit reporting or other personal consumer reports

I appreciate your time to REMOVED some of the information in my file that resulted from an alleged identity theft but I have an Items left that need to be removed or deleted. Per FCRA section XXXX you are required to remove these items listed below. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX XX/XX/year> XXXX XXXX XXXX XXXX Balance : {$69.00} XXXX XXXX XXXX XXXX Balance : {$5000.00}
Product: Credit reporting or other personal consumer reports

euifax and Experian have-not allowed me to check my credit report. Experian specifically will not allow me to check my report without payment. XXXX does not allow me to enter at all.
Product: Payday loan

I WENT DELINQUENT ON MY LOAN IN XX/XX/2013 AND THEY GARNISHED MY WAGES IN XX/XX/2013 AND GOT PAID IN FULL FROM MY EMPLOYERS CHECKS I WAS WORKING AT XXXX XXXX IN XXXX XXXX XXXX AT THE TIME, AND IT WAS OWNED BY XXXX, OUT OF XXXX, I KNOW IT WAS PAID AS I WAS UPSET BECAUSE IT WAS MY LAST PAYCHECK BEFORE XXXX. I DO NOT THINK I SHOULD HAVE TO PAY FOR THIS A SECOND TIME AS I HAVE ALREADY PAID IT, AND THIS IS UNFAIR, IT IS HURTING MY CREDIT AND IT IS KEEPING ME FROM BUILDING MY CREDIT AND IT IS KEEPING ME FROM PURCHASING NEW THINGS THAT I WOULD LIKE TO HAVE. I TALKED WITH THE PERSON THAT WAS COLLECTING ON THE LOAN BACK IN XX/XX/2013 AND HE IS NOW THE COLLECTION MANAGER, NAME IS XXXX, AND HE SAID HE HAS NOT RECEIVED PAYMENT AND I KNOW HE DID FOR SURE 100 %. AND I HAVE NEVER RECEIVED A BILL OR ANYTHING UNTIL I MOVE OUT TO MY NEW HOUSE IN XXXX, XXXX I GOT A LETTER STATING I OWE A BALANCE OF XXXX & SUM-DOLLARS, AND IT IS WRONG, IT IS PAID OFF! PAYDAY AMERICA IS NOT THE GREATEST COMPANY TO ME, AND I DO NOT UNDERSTAND WHY THEY ARE DOING THIS. THEY ARE PUTTING ME AND KEEPING ME IN A HARDSHIP BY REPORTING THIS AND ALSO HAVING IT ON MY RECORD ; AS YES I KNOW I DID STUFF TO MY CREDIT ALSO, BUT THEY ARE JUST KEEPING IT THERE AND ITS ADDS UP!!!!
Product: Debt collection

In XX/XX/XXXX, I contacted Financial Management Solutions to obtain my credit report. However, the company has conducted three unauthorized inquiries on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Upon raising the matter with the company 's representative, I was informed that an attorney named XXXX XXXX had requested the inquiries. This claim is unfounded, as I possess evidence that FMS conducted said inquiries voluntarily. The conduct above on the part of FMS constitutes a violation of my consumer rights. It is unjust and unethical to conduct inquiries into my credit report without my explicit consent, which has reduced my XXXX score and tarnished my consumer report. I urge FMS to undertake immediate corrective action to rectify this issue and ensure its non-recurrence in the future.
Product: Debt collection

They have contacted me multiple times about 5-6 times a day and Ive told them to stop calling me but they dont at times Ill answer the phone call and no one will say anything at all. They have tried to threaten me with legal action and then tried to speak with my child who answered the phone. Its a constant problem they call me anywhere around XXXX XXXX  just want it to stop.
Product: Vehicle loan or lease

On XX/XX/XXXX I was approved for a car loan on a XXXX XXXX XXXX for the amount of {$27000.00} after utilizing my right to credit under 15 USC 1681 by giving Carvana my social security number. After submitting an approved credit application to Carvana they terminated the credit transaction claiming that the information I provided was potentially false. When I checked my XXXX credit report I see an inquiry from Carvana dated on XX/XX/XXXX. This proves that Carvana used my personal information and social security number to verify the information on the application. This adverse action hurt my credit score, hurt my ability to get credit in the future, and cause a lot of mental stress. I believed I was supposed to obtained a vehicle after being tricked into giving up my social security number by Carvanas misleading marketing. This also hurt my ability to make more make and have a better life because I was going to rent the car out on XXXX. Pursuant to 15 USC 1691 scope of prohibition I have been discriminated against after exercising my right to credit in good faith. Also, according to 15 USC 1602 ( p ) the term unauthorized use means a use of a credit card by a person other than the cardholder who does not have actual implied or apparent authority for such use and from which the card holder receives no benefits. In this case I am the credit card holder that received no benefit and Carvana is the unauthorized user. Please note this company also harassed me by flooding my email for months claiming that I was able to get a vehicle through them. Without the misleading advertisement telling me I was approved I would have never gave Carvana any of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the accounts listed below has violated my rights : XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # 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 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal credit union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit card

My Discover Card has been closed for some time. 

A refund of {$100.00} was paid to this card on XX/XX/XXXX ( XXXX ). 

The refund was confirmed by both XXXX and XXXX the payments company. XXXX confirmed the refund was processed to my Discover Credit Card ending in XXXX expired XX/XX/XXXX. 

My details on file should be social ending XXXX, last card XXXX digits XXXX, XXXX XXXX name XXXX XXXX XXXX, phone XXXX, email XXXX Discover are unable to locate my account and I have not received the refund processed and confirmed by XXXX. See attachment for the confirmation codes of the refund from XXXX their processor.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, response it will take 60 days to complete their reinvestigation for previous dispute. I along with my legal counsel intend to file a lawsuit against TransUnion on XX/XX/2023. TransUnion negligence and intentionally violating fcra rule.
Product: Vehicle loan or lease

There was a lemon, but we couldn't prove that it was we started to have problems out of the car. we traded our car in for a car that was supposed to be a better car the car had approximately XXXX miles on it but the salesperson that sold us the car said it was a great and a one-owner. we had to have a transmission put in the car the car had a lot of recalls on it. they told us they would fix it never happens but when we took the car to the mechanic, he showed us where someone had rigged it up so the car could run for a while.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called numerous times in which it is hard to get a hold of the company taking over an hour to reach someone. I had filed a dispute on XX/XX/XXXX with the company for a criminal background check including negative information over XXXX XXXX XXXX. They did not send anything via mail or email, regarding the opened the dispute. They also never informed me the dispute was finished within 5 days. I had called back XX/XX/XXXX to make sure there was a dispute filed and they said there was one and completed. Nothing was changed and I specified the right to not have anything negative reported over 7 years under the FCRA and they are to uphold that. They told me the employer asked for lifetime criminal background which is against my consumer rights. I opened another dispute with the background check onXX/XX/2023. I did not receive any email or letter saying a dispute was in progress at that time either. I called again XX/XX/ to see about the new dispute and again they said it was completed. Nothing was changed again. I advised them violating my consumer rights with the FCRA and the company just keeps hanging the phone up on me with no resolution. On the background check they have a search period of 7 years but still included arrests and convictions past that date. They also included the summary of rights and violated those rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute and contest the accuracy of certain account listed on my credit report. Upon meticulous review, I have identified discrepancies that raise serious concerns about the integrity of the information being reported. These inaccuracies, specifically late payments, do not reflect my financial behavior or history accurately. I have taken proactive measures to address these discrepancies by contacting the respective bank associated with this account. I am pleased to inform you that after thorough investigation, this bank has acknowledged the errors and have agreed to update my account and remove the late payments. Furthermore, I would like to bring to your attention that other credit bureaus have already updated this account on their records. Therefore, I kindly request that you expedite the process of updating my credit report to reflect these corrections. 

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

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have contacted Transunion to have 2 accounts pay status corrected or removed. The accounts : XXXX XXXX XXXX #  XXXX with pay status being ( account included in Bankruptcy, Chapter XXXX ). Transunion provided a document saying after their investigation the record was updated to Chapter XXXX Bankruptcy and date closed was XX/XX/XXXX. First this account was never in a bankruptcy XXXX or XXXX. And the account was sold to another lender XXXX XXXX on XXXX/XXXX/XXXX. This would not match the account being in bankruptcy which they show would come off my report in XX/XX/XXXX which is 7 years so that would be before the date it is sold to another lender. There is no proof of the bankruptcy by reference or number and the dates are inaccurate. 

The XXXX record on my Transunion report have multiple inaccuracies. The report states that the account : XXXX # XXXX with a pay status being ( account included in bankruptcy Chapter XXXX ) Transunion states that upon investigation that the information was verified as accurate. All the dates for this record are incorrect. First the open and close date is incorrect. The record also states that the last payment was made in XX/XX/XXXX which is incorrect. The date closed XX/XX/XXXX is that the date the bankruptcy that there is no proof of even on their credit report was filed and if so why is the estimated date of removal of this record XX/XX/XXXX which would not be 7 years from any of the dates listed on the record? 



The FCRA sections XXXX all reference the details of the accuracy of Credit records and what has to be accurate and the procedure for removal of the records that are inaccurate. These records meet all the criteria and have remained on my credit record causing financial and emotional harm concerning my credit and ability to pursue credit. 

I at the least would want the inaccurate items removed and have considered additional legal action. 

Thank you
Product: Credit reporting or other personal consumer reports

Im disputing information on my credit report. Pursuant to FCRA 605B Im including exactly what youre requesting. Proof of my identity, accounts which are involved with the theft & a copy of a completed & submitted FTC identity theft report. Im complying with the letter of the law & what youre required to have to honor my 605B request. 

XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit card

I paid my credit card using my bank account and they put it on hold and said I have to wait 7-10 business days for a reply and if I want to close my account it takes 70 business days
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute letter sent out on XX/XX/2020 and i have yet to get a response this account is harming me with living a normal life
Product: Debt collection

I was threatened that they would take service away from me.They claimed they sent certified letter that they can not prove..The letter I got was dated 1 month prier to postmark and they hired a lawyer the next day. I denied the validity of the debt in writing. Then I took legal action and was forced into a Bankruptcy..Now they have sent a letter to ever owner in this is condo unit and I am getting hat mail and threats daily.I have a clean record not even a traffic ticket.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are unauthorized inquiries late payments and account that don't belong to me that need to be investigated see XXXX  XX/XX/XXXX for complete letter to credit bureaus
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian since XX/XX/XXXX in regarding my credit report not updating since XXXX XXXX XXXX. The issue was never fixed. I contact Experian again and spoke with several reps a I was told it was my system however there system show My most update credit report as of XX/XX/XXXX. I asked to have a credit report mailed today XX/XX/XXXX at XXXX et and asked if the credit report will show an updated credit report. I was told the information will be dated for XX/XX/XXXX and a ticket was issued and the credit report will take 7-10 days from an supervisor at Experian. This is affecting me because I am not able to view my credit its also telling credits my account is frozen and I only have XXXX and XXXX frozen not Experian I was not offered any compensation due to this inconvenience. Just an sorry mam
Product: Prepaid card

I opened an Amex Serve with my linked checking account. Several weeks later I funded with {$300.00} via checking and sent to a friend. A week or 2 later I loaded {$500.00} cash at a local XXXX which is advertised as instant funding method ( to get away from the 5 day hold my first funding method took ). Minutes after the money was available in my account they closed my account. They wo n't give me any info and said they do n't discuss closed accounts. They said my {$500.00} is going to the state of New Jersey where I live in 6 months.
Product: Student loan

Every time I want to go into forbearance on my loans with Navient, I have to pay {$150.00} each time and thats only good for 3 months. Also if I want to try to do a plan since I am unemployed they just say my option is just to pay the {$150.00}.
Product: Student loan

I applied for the XXXX XXXX program on the XXXX  website.. Aidvantage did not bother to send results of the XXXX document but still sends or about to send me a bill of over $ XXXX. in this month of XXXX XXXX on a {$93000.00} student loan. The loan was only {$34000.00} while I was in school at XXXX XXXX XXXX  about XXXX  years ago. I believe the Student loan total amount is incorrect or bogus. Especially after it has been moved from different student loan companies ( XXXX to Aidvantage ) from the Dept. of Education. There is no way i should be paying for that amount of interest. i am filing a complaint because there need to be an investigation on this. 

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

TransUnion continues to report errors on my credit report such as incomplete information regarding three public records. Unrecognizable information on file but TransUnion refuse to correct, I filed a lawsuit in State Court.  TransUnion handed out my credit report to the judge without my permission ignoring The Fair Credit Reporting Act (FCRA), Public Law No. 91-508, was enacted in 1970 to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs). ..  State Court Judge did not recognize FCRA Section 609 and FCRA Section 611.TransUnion is in violation of FCRA Section 609  and Section 611.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2016 XXXX XXXX XXXX or XXXX XXXX, or XXXX XXXX XXXX XXXX XXXX, Accessed via XXXX XXXX XXXX XXXX, sensitive consumer data, upon collecting this data and information, someone claiming to be a 3rd party to my XXXX XXXX XXXX showed up and took pictures of my vehicle, inquired into my payment status, I spoke to USAA directly and made payment arrangements and was up to date on the payments after being late. Yet, someone accessed my consumer report, and was pretending to be a 3rd party representative of USAA and claimed to be there to take pictures for USAA in case they had to reposes the automobile. Upon asking USAA was informed they do not hire 3rd parties to go out to a consumer 's home and suggest the vehicle is going to be reposed, especially if they have provided confirmation numbers and statements contrary to such action. That person was not a 3rd party affiliate of USAA nor compensated by USAA to harass the consumer at XXXX XXXX XXXX XXXX XXXX ks XXXX.
Product: Debt collection

Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to file a formal complaint against Bounce AI , Inc . I originally had an account with XXXX XXXX, where I was consistently current on my biweekly payments and had never missed a payment until recently. Unfortunately, I lost my job on XX/XX/28 and promptly informed XXXX XXXX about my situation. 

Despite my proactive communication, my account was reported to the credit agency, significantly impacting my credit score. Since then, I have been actively searching for a new job and facing severe financial difficulties, leading to delinquency on all my bills. 

I attempted to negotiate a settlement or find a solution to manage my debt under these challenging circumstances, but my requests were denied by XXXX XXXX. Additionally, I learned that my debt was sold to Bounce AI , Inc., further complicating my situation. I have also reached out to Bounce AI in an effort to negotiate, but to no avail. 

It is particularly distressing to note that, prior to my job loss, I maintained a good standing with XXXX XXXX and had never missed a payment. Despite this history, my situation has not been met with any flexibility or support from either company. 

In light of the lack of assistance, I have reported both XXXX XXXX and Bounce AI to several regulatory agencies, including the Federal Trade Commission ( FTC ), the Florida State Attorney Generals Office, and now the Consumer Financial Protection Bureau ( CFPB ). This was done to alert these agencies and potential customers about the business practices I have encountered. 

I strongly urge the CFPB to review my case and provide a fair and reasonable solution. I am seeking an adjustment of my loan terms to more manageable rates, as well as the removal of any negative remarks from my credit report. It is imperative that these issues be investigated thoroughly, as my attempts to resolve them through the companies ' customer service channels have been ignored or outright denied. 

I look forward to your assistance in resolving this matter and achieving a satisfactory resolution to this issue. 

Sincerely, XXXX XXXX