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

There are six inquiries on my credit report I did not authorize the companies to run my credit report. I am a victim of identity theft and I different companies, in which i did not give them permission nor authorize them to run my credit report. At the time these credit reports were being run, i actually was on the phone with a Transunion rep disputing other items on my credit report ; so how can I be doing two different things in six different places at the same time? All these inquiries were done on the same day! That's very suspicious! I contacted Transunion this past Tuesday to notify them that this activity wasn't authorized by me and I want aall of these inquiries removed immediately ; and also asked how is it that I have a fraud alert and Transunion authorized mt credit to be run without me giving permission or even being present there? The companies I am disputing from the XXXX of XXXX are : XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX  XXXX  and XXXX. When I got these alerts in my personal email that my credit was run on the XXXX, i't prompted me to look at all three credit bureau 's activity, and low and behold, it was on all three, plus one additional inquiry from XX/XX/2020 I didn't recognize, give permission or authorize called XXXX XXXX . I never did any business with these companies nor was i ever interested. On XX/XX/2020 I called all three bureaus to explain to them that I didn't give permission, not authorize anyone to run my credit on XXXX XXXX or XX/XX/2020. Both XXXX  and XXXX  acted prometly, submitted the request to have these inquiries removed ; they were removed within the next 24-48 hours from both XXXX  and XXXX. However, Transunion, when I spoke to their rep, he told me Transunion doesn't remove inquiries, even if it is identity theft, and that would have to contact all those companies and get a letter of deletion from them and give then Transunion authorization for them to take all those inquiries off of my credit report. This is unacceptable!!!! A consumer shouldn't have to go through all that turmoil especially when they have been victimized to clear something off of their credit. Mind you I have a fraud alert on my social security number, which states in bold print once you pull my credit report. I want Transunion to remove all six inquiries immediately from my report! This has caused my credit score to drop!
Product: Credit reporting or other personal consumer reports

This account that I have with this bank was a pay to delete account that i requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the bank update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, Experian and XXXX and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice.
Product: Debt collection

DATE - XX/XX/2024 AMOUNT - {$3800.00} REFERENCING CLAIM ID XXXX, I AM REQUESTING TO SEE THE SO CALLED DOCUMENTS THAT THE DEBT COLLECTION AGENCY CLAIMS TO HAVE IN POSSESSION FROM ME. THIS IS SIMPLY FALSE.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account XXXX : XXXX XXXX  # XXXX Account Name : XXXX BAN # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX
Product: Money transfer, virtual currency, or money service

I have a XXXX markets incorporated account to buy and sell stocks and to buy and sell crypto. They have locked my account and restricted its activity, they will not let me move MY MONEY even back to my account after submitting the required documentation to verify what they deemed suspicious activity, a transfer of money from my verified linked bank account got returned due to the amount not being in the account. An error on my part. But even after verifying my account, they have restricted me from accessing my cash, even transferring it back to my account already linked to my account. They deny any ability to talk to them virtually, they dont give you an option in the virtual chat to talk to a representative, they actually show a chat that you didnt engage in with them and fill in your responses. That is crazy when you check each day on your account, they keep changing the day they will get back to you. They just move it to the next day, then the next, then the next. They dont actually have a phone number to talk to a representative either. You can sign up to have them call you, I requested a call back, waited by my phone, not exaggerating, for XXXX and no one called during normal working hours, there is an customer support email address I wrote to that said they would respond in XXXX hrs that also has not happened.??????? This company has over XXXX $ $ $ $ of my money for over 10 days that they will not let me access, to even transfer back to my bank account this is robbery, unsatisfactory and the worst customer service of anyone who handles money I have ever seen! I will attempt legal action! Perfect timing to XXXX people over during the holidays XXXX XXXX, XXXX of XXXX!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2017 - 30 days late mark I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a car loan with SAFCO, on my credit file it shows they reported that in XXXX, XX/XX/XXXX and XXXX, XXXX and XX/XX/XXXX that l never made my payment where in fact l did make payment, they have failed to report it to the credit bureaus and it shows on my credit file as payment not received. I have tried to get them to correct this and report the payments. They claim they did and l disputed it with the credit bureaus as well and nothing is getting corrected and reported correctly. Here is SAFCO address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX and there number is XXXX My account number is XXXX with SAFCO. 
I need your agencies help to get this corrected please. See attached screen shot. 

XXXX XXXX XXXX
Product: Student loan

I was conned into consolidating my loans at a higher interest rate. I was not aware of the significance of this. My payback is much more than desired. Its a rip off.
Product: Credit reporting or other personal consumer reports

This is one of my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, and XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. Please remove.
Product: Mortgage

Filed Chapter XXXX XX/XX/XXXX and reaffirmed with Litton ( Now Ocwen ). Made monthly payments from that time until XX/XX/XXXX when my attorney told me to quit paying them due to Ocwen going against the agreement of the reaffirmation. Ocwen held in Contempt of Court several times during this process. Ocwen continues to harass for funds not owed. See attached document showing the Docket Text.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am contacting you because I found accounts on my credit report that does not belong to me. I am not sure how this information was placed on my credit report but I need it removed immediately. I contacted credit bureaus to investigate and give me evidence of ownership but they are not complying.. I want you to please get rid of this information as soon as possible and notify me when you do this so I can go ahead and apply for the things I have to apply for XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX,
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and Alabama Laws Dear Navy Federal, I am writing to address the blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Alabama Deceptive Trade Practices Act under Section 8-19-5, and identity fraud laws, specifically Alabama Code Title 13A, Section 13A-8-192. 

It has unequivocally come to my attention that ( company name ) has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Alabama state law, specifically Section 8-19-5 of the Alabama Deceptive Trade Practices Act, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Alabama Code Title 13A, Section 13A-8-192, establishes clear guidelines for the protection of personal information and the serious consequences of identity theft. 

I assert with unwavering certainty that I have not provided consent for ( company name ) to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that ( company name ) immediately cease any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Section 8-19-5 of the Alabama Deceptive Trade Practices Act. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Alabama state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that ( company name ) will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Debt collection

Vance and Huffman have a collection account on my credit report for an account that I do not owe. They keep hanging up on me when I try to call them. They have not sent a debt verification letter to prove that I owe them any money. Ive disputed this with XXXX but Vance and Huffman refuse to delete the account from my credit reports. They are scammers committing fraud and I want them to delete their information from my credit report on all three credit bureaus immediately. If they do not remove this fraud account, I will sue them.
Product: Payday loan, title loan, or personal loan

I applied for a loan online which was sent to multiple lenders. Upon opening my email there was a approval from MintoMoney. I open the email it brought me to the award page it has me click three boxes and then all the sudden I was signing documents for a loan that I did not even see the APR for. It turns out it's 797 %. I don't have bad credit by the way, actually I have a lot of accounts in good standing. But anyways they want to withdrawal over {$340.00} bi-weekly from my checking account. That's about {$700.00} a month. I can not afford this obviously. And I only took out the loan a week ago. Am I supposed to pay back the loan with the money they gave me? because I haven't had time to even come up with {$340.00} for the repayment. I revoked ACH authorization for my bank account and will send them payments when I can. They confirmed via email that it has processed and is canceled. Today I got a notice from MintoMoney of insufficient funds, my bank denied their debit. They will be charging me and non-sufficient funds fee and a late fee. I received a message from MintoMoney to give them a call to discuss my situation because I had already expressed to them my issue. I called back, the agent said that my ACH has been revoked and the issue has been taken care of. I told her that I don't think that is why they left me the message. She advised it has been taken care of. That was the end of the conversation I haven't heard back from them except for the email today; trying to debit my checking account even though I revoked their permission to do so.
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 Account name : XXXX # XXXX Account name : USDEPT ED # XXXX The inaccurate reporting of these accounts have violated my rights. 

I looked at my Equifax credit report on XX/XX/2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 card

I had several fraudulent charges on my Citi card during week of XXXX XXXX. Citi took care of all but XXXX of them and have been investigating the largest amount for 6 months all the while telling me not to pay since it is fraud ( this was told to me by several employees over XXXX different phone calls ). Since then, nothing has been resolved even though several supervisors claimed they escalated the issue and I would soon hear from them. All the while I've been receiving collection calls, texts, and emails ( 7 days a week and all hours ) regarding a past due account, not to mention hundreds of dollars in fees and interest! My credit score went from mid XXXX to below XXXX. As a retired banker I take this very personally as it affects my sleep and health.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX, ( ARS ) Advance Resolution Service, XXXX XXXX, & XXXX where all told to put freezes on my report and also delete all old address off of my report ( XX/XX/2023 ) because of illegal actions and Identification Theft. All charges on my credit line are not supposed to be there I have never put anything on credit nor signed up for so much as a credit card until this year.
Product: Consumer Loan

In XXXX XXXX I was looking for a cheap vehicle to purchase when I received my yearly income tax refund. I came across a small used car dealership near my home here in XXXX, XXXX called XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. ( XXXX ) XXXX, ( XXXX ) XXXX. The Business was owned and operated by Both XXXX XXXX and XXXX XXXX who also owns XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. I had found a Small AWD XXXX Suzuki Aerio Sx vehicle that was on there lot.. A verbal agreement of XXXX was what the dealership wanted for this little car. However due to my income tax only being around XXXX we had agreed that I could use that money as a down payment and lease the rest. They had me lease the Vehicle with a company Called Credit Acceptance Corporation of XXXX XXXX XXXX XXXX, XXXX XXXX Phone number XXXX XXXX. Which I then find out the vehicle had be lease for 4 times more then what the dealership was asking for the vehicle. The agremment was made for XXXX and now instead I 'm locked into a lease agreement with Credit acceptance Corporation for over XXXX not including the down payment in cash that XXXX XXXX XXXX accepted in the amount of XXXX. Any help with this situation will be greatly appreciated. Screen shots of the XXXX conversation that started in regards to the vehicle has been attached to the complaint. Owner of Auto dealership quickly deleted XXXX page after sale.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX Transunion XXXX. XXXX XXXX  XXXX, PA XXXX XXXX XXXX To Whom It May Concern, While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies : Inquiries : 1. ( XXXX XXXX  ) 2. ( XXXX  XXXX  ) 3. ( XXXX XXXX ) 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. 
Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit file that you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. 

My contact information is as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Re : XXXX XXXX Account Number : { XXXX } To Whom It May Concern, I have received my credit report and I have contacted numerous times and even disputed it with the Credit Bureau XXXX I am requesting a XXXX XXXX to remove the late payment ( XXXX ). 
All late payments were from late XXXX until early XXXX during the pandemic, and financial crisis. Before this time frame I paid more than asked ahead of time. 
I know this request is unusual, but it is ruining my good credit standing. I have had a mishap, and realize things happen. If you look at my records, I was always on time. The late payments are being reported and I am requesting the removal of these late payments, as it has been reported to the Bureaus. 
Sincerely, XXXX XXXX
Product: Debt collection

Aldous & Associates responded to the CFPB with factual misrepresentation. In complaint XXXX they were unable to prove the debt and when they responded this company continues to commit fraud. They have placed an inaccurate file on my credit report and when I dispute with the CFPB they commit fraud by claiming I did not send any dispute of debt. A dispute of debt was sent on XX/XX/2023, and was received by Aldous & Associates on XX/XX/2023. I will attach the XXXX certified electronic confirmation to this document. I will also attach the letter I sent to them on XX/XX/2023, to this document with the exhibits. 
This company continues to cause harm to my file with inaccurate information. I have shown that they have made an error and the FCRA requires they investigate which they do not do. Per conversing with a CFPB representative I have been instructed to attach the XXXX XXXX confirmation that I sent this debt dispute.
Product: Credit card or prepaid card

My complaint relates to the Comenity Bank XXXX Visa credit card, which is a general-purpose card and is not limited to use at XXXX. I applied and opened my account on XX/XX/XXXX. One of the promotions offered was a {$20.00} welcome gift certificate to be sent to me via post mail within a few weeks of receiving my card in the mail. To date I have not received this gift certificate despite my account being in good standing. I was expecting the gift certificate to be mailed, and carefully searched any letters that were sent to me related to the credit card. I am positive the gift certificate was not sent via physical mail. 

I have reached out to Comentiy Bank customer service multiple times regarding this issue via secure email and phone. The bank customer service referred me to XXXX store customer service, who confirmed the gift certificate is a benefit offered by the bank, not the store. They also said the bank recently went paperless and that the gift certificate could have been sent via email instead of physical mail. The only email I've received from the bank was on XX/XX/XXXX and contained only general information about the credit card and benefits. I never received emails related to my bills or my communication with the support staff. We did confirm that my email address on file is correct and that no emails were mistakenly sent to spam, etc. 

After being unable to assist me, XXXX store support referred me back to the bank, and the bank continues to refer me back to the store. The bank refuses to address the issue and it is clear at this point that they have no intention of sending me the promotional gift certificate. I have closed my account effective today, XX/XX/XXXX. Attached to this complaint are copies of my communication with the bank customer support team via secure email.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX account showing up on my report for {$90.00} is incorrect. Ive never had service with this company. I disputed with both bureaus but it came back as verified. This account is negatively affecting my credit.
Product: Checking or savings account

Call me if u can help me wrote a long story and just got erased have all proof I never opted in to I overdraft protection which policy states I had to in order for them to do with they did lost XXXX XXXX credit score now have XXXX XXXX and in the by XXXX their error phone XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Want all accounts caught up along with credit score fixed a d I will.pay on credit card still once they fix it.