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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with 3 CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$810.00} ; XXXX XXXX XXXX XXXXBalance XXXX {$13000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$100.00} ; XXXX XXXXXXXX Balance : {$480.00} ; XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX Balance : {$800.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 : ( XXXX XXXX XXXX XXXXXX/XX/2020 ) ( XXXX XXXX XXXX XX/XX/2020 ) XXXX XXXX XXXXXX/XX/2020 ) 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.
Product: Debt collection

Sometime between XXXX we switched from XXXX to XXXX under a promotion that XXXX would pay off our phones. They did that and XXXX provided boxes to return the phones, which we did. We spent roughly 2 weeks on XXXX and returned to XXXX at which time they got everything turned back on and issued us new, upgraded phones. We have since fought XXXX on numerous occasions about this debt. I have been told by no less than 8 XXXX customer service representatives that I do not show as owing any amount to them. In XX/XX/XXXX I closed my account and ended all dealings with XXXX. Just now on XX/XX/XXXXXXXX XXXX XXXXs later I receive something about a debt? Why would I owe a debt they didn't care to try to collect for over 2 years? Also why did they let me close my account and walk away if I owed a debt? As I said I have fought, and won this claim that I owe XXXX money, but I do not and I will make XXXX sure they never get another dime from me and as many people as I can tell not to go there!.
Product: Payday loan, title loan, or personal loan

I took a loan for XXXX, right off the top NetCredit took a % for origination fees. The payments are outrageous, XXXX per month, the HIGHEST interest rate by Oklahoma law is 45 %, they are charging 99.49 %. I have paid back XXXX already, MORE than allowable under Oklahoma Law. My balance should be XXXX. Instead they want 4 more payments of XXXX, which is CRIMINAL. I have contacted them in writing, they refuse to acknowledge o respond in any way to my concerns. My account number with NetCredit is XXXX.
Product: Debt collection

Advised Portfolio Recovery to stop calling.They call everyday!!!!! My wife is XXXX and can not be bothered. I believe this is debt that is over 7 years old and trying to collect it aggressively and illegally. I also advised them via email to stop calling and use my number if they need to call. They will not comply with my wishes. I also asked for something in writing so I know what the debt is and they will not comply. I will file a police report for harrassment if they do not stop.
Product: Credit reporting or other personal consumer reports

In order not to repeat what I just filed with you last month I am reporting that XXXX states it is finished with the update. The update is not correcting the problems listed under Case # XXXX and XXXX which describes in detail the problems that need to be corrected. XXXX are reporting that XXXX was a negative item. This is completely untrue. The car ( XXXX XXXX ) was paid off early and no balance id due. Why is that negative??? In addition, they report XXXX XXXX as negative and the three months I was late was already explained and XXXX XXXX provided a letter of satisfaction that nothing is due. The three months in question was due to my XXXX and staying with my daughter- my mail did not get forwarded and I was recovering from XXXX XXXX. This is not a problem for XXXX XXXX XXXX is making it a problem for themselves!!! These must be cleared from my credit report- XXXX have malicious intent and are targeting me- it is a form of discrimination and if these are not removed which is the appropriate action then they will be sued for the damages they have caused and are still causing over a long time period.
Product: Debt collection

Rented a car from XXXX rental, returned the vehicle but was told they found ashes in the vehicle so they assumed I smoked in the vehicle. I dont smoke so I continued to beg for my deposit back & they didnt give it back & still left me with a balance for cleaning when I didnt smoke. Ashes can fly in your car anytime.
Product: Credit card

I want to make you aware of the VISA and MC " VAU '' Visa Account Updater and for Master Card, The Automatic Billing Updater or " ABU '' Programs. These are Programs whereby if you report your card lost or stolen, issuers of credit cards automatically issue your new credit card number to merchants that request it when you have a monthly billing or " continuity '' subscription with that merchant. They do this without asking or notifying you. They are in essence giving your number to a third party without your consent. In my situation, a fraudulent billing account was set with an online Merchant named XXXX. I was unable to get any redress from the Merchant as I did not create the account and could not provide them an account name or number to cancel. It was set up fraudulently. I called my card issuer ( BofA ) and they canceled the account and issued a new card. A month later the same charge showed up on the new card. BofA again cancelled the card and issued a new one. Its now 3 months laster, I am on my XXXX card and again the merchant charged my card without any contact from me. Someone is providing them the new card number to continue billing me erroneously. The problem lies in the fact that VISA, MC and all major banks like BofA have this program that provides the merchant the new card number to ensure a smooth transition to KEEP BILLING THE CONSUMER even after they have filed a fraud report. I find it incredible that BofA Fraud department keeps taking my fraud report, changing my card but VISA keeps giving out the new card number to the merchant without my approval. I am stuck in a never ending cycle of fraud, perpetrated by the bank and VISA and my only recourse is to cancel my relationship with the bank. 
This is a Bad financial policy. I urge the CFPB to investigate the financial industry giving out personal financial info without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. Experian, XXXX and XXXX are required to authenticate this accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I made a purchase of {$85.00} at iXXXX  on XXXXXXXX XXXX XXXXXXXX with my credit card issued by Best buy and operated by CitiBank, then I realized that the merchant is a fraud who disguises themself as a legitimate seller. After I made the purchase I never received any follow-up email that contains the order number or acknowledgment of purchase. I went online and read reviews about this seller then I realized that the seller isn't real and that it is a website operated out of XXXX. I even discovered other websites this seller uses disguised as a real seller. This transaction happened in XXXX and since then I have notified my credit provider about the issue. I also tried to reach the seller but to no avail, even as of now I am yet to receive my order or response from the seller. My credit provider has refused to take this seriously, they keep sending me letters to write in response to my claim which I have done XXXX now. They sent me XXXX responses stating that I am responsible for the payment. Their reason in the letter states that " You did not identify disputed transaction. '' After several phone calls and letters, I still have that balance in my account, and they are yet to explain to me how I am responsible and what the response of the seller was if indeed they contacted the seller for their own explanation of the transaction.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 my Coinbase account was frozen until XX/XX/XXXX for a transaction issue. My account has never been unfrozen to this day. They said I needed to do an identity verification and answer questions which I did and they then said my account is frozen again for 30 days while they investigate my account. Ive called customer service several times and they wont tell me what my account is being frozen for! All I want is to transfer my crypto off of Coinbase site, but they just give me the run around every time I speak with them.
Product: Checking or savings account

It appears my checking account with Wells Fargo was closed out, account no longer listed with online banking, savings account showing XXXX balance. Before closing, the checking account was over drawn in the amount of $ XXXX, which reflects a provisional credit reversal in amount of {$290.00}, a debit card purchase from XXXX made months prior. Previously, I attempted to resolve XXXX disputed purchase, Wells Fargo accepted forged signature as proof of delivery, despite the fact I do not sign my name as XXXX XXXX The package was sent via XXXX, driver has a habit of forging signatures, leaving packages elsewhere and or where they can be stolen ... .This was explained in a prior CFPB complaint in re, Wells Fargo rep ( s ) chose to disregard it and would not reverse debit in amount of {$290.00}. As it appears account is now closed, I request Wells Fargo resolve negative balance by crediting back amount of {$290.00}, failing to do so, I request name and number of collection agency account may have referred to.
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Transunion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Vehicle loan or lease

I bought a use XXXX  XXXX car in XXXX in XX/XX/XXXX at 6 months I started having problems with the transmission. The XXXX XXXX fix for free because I had less than XXXX, XXXX miles on it. And then I took it to XXXX XXXX for an Oil change and then I started having problems with the timing sylenoid no car dealer wanted to tell me what was the problem in the beginning and XXXX in XXXX XXXX charge me aprox XXXX to fix one piece of my syneloid but there telling me my car is was going to still have issues turning off because there's another piece that needs to be fix but the car dealer didn't want to tell me. he said it was the sprocket gear and it wasn't .... I spent money for nothing. Then I finally found a good mechanic to fix and tell me the problem and is was the timing sylenoid. I spend almost XXXX couldn't make my car payments got behind and I call capital one to lower my payments and they dont want to. I told them I get pay biweekly and my car payment is not the only payment I got. And I was fine making the payments because at that time my boyfriend was helping with some money but now I financially struggling with the car payments and I just finish paying my car taxes in CT because if not I cant renew my registration. they still cant help me to lower my payments. I have called the bank to tell them my situation. Im a single mother and I really struggling making high payments. I pay XXXX every month plus my car taxes and insurance. I need help please I only have one income and capital one cant help me to lower my payments. I wish I can get rid of this car
Product: Credit reporting

I had identity theft per XXXX, XXXX, & XXXX in XXXX and XXXX 2016. These creditors denied XXXX credit applications due to the lack of verifying information. A credit freeze was placed in XXXX 2016 to protect my credit. Equifax inquiries from this fraudulent activity was disputed 3 times, but nothing was removed. A letter from XXXX XXXX and XXXX were received and sent to Equifax. XXXX refused to send a letter as they said it was all internal. Equifax merely said they are factual and did nothing. Please help in removing these inquiries : XXXX XXXX/XXXX/16, XXXX XXXX XXXX/XXXX/16, XXXX XXXX/XXXX/16.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Debt collection

The caller is contacting me about someone else ( XXXX XXXX XXXX, XXXX ). Gives a phone number to contact but never answers XXXX. The number is supposedly for XXXX XXXX not sure who or what this is reference to.
Product: Credit reporting 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. I demand the below accounts be deleted from my consumer report. Account : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The reporting of these account ( s ) is/are violations of 15 USC 1681a, 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 ; So let me explain. Under the Truth in Lending Act 15 USC 1602 ( g ), credit card is defined as the following : The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. This makes my social security card, drivers license/ID, and license plate credit cards that are/were used for the extension of credit. I demand this account be deleted from my consumer report. Best regards, XXXX XXXX **Attached a copy of drivers license/ID and a utility bill/SS Card
Product: Credit card or prepaid card

I applied online for a 5 year moratorium of offers of credit and fromally mailed in permanent opt-out on XX/XX/18. On XX/XX/18, I received a credit card offer from Chase for a XXXX XXXX XXXX XXXX XXXX. the Invitation number is XXXX XXXX XXXX. i have called the banks on other offers, but I just get the XXXX treatment, so I felt it is important to do a formal complaint.

The other identifying numbers are XXXX XXXX XXXX XXXX XXXX XXXX   with offer code XXXX
Product: Debt collection

This is my last complaint for the following account XXXX with Portfolio Recovery as they are intentionally damaging my credit rating, credit standing, and credit capacity by reporting the alleged debt to consumer reports. As an unsophisticated consumer that does not know all of my rights, before I proceed with legal action and handing this case to an attorney, I would like to point out that in the FDCPA, specifically section 809 ( c ), as a consumer, failure to dispute a debt CAN NOT be construed as admission of liability. With that being said, I have no recollection of ever receiving a proper notice about this alleged debt. I requested them to provide proof via certified green return card/ shipping number and they did not provide that. I requested a copy of the purchase agreement that shows I have legal obligation to them but they also did not provide it. This is causing me emotional distress as I have been struggling to sleep and it is hurting my ability to obtain credit. I can not purchase a vehicle for work due to the damage they are causing to my credit. They are not permitted by law or given consent by me to furnish this information on my consumer reports nor have they shown me any evidence of their permission. I have demanded that they ceased reporting and they have refused to do so without providing any type evidence of what they are doing or attempting to do is in lawful capacity. At this point, they are harassing me and abusing me while providing me with false and misleading representation of the legal status of this debt. Lastly, PRA claims that they are complying with the Fair Credit Reporting Act, I do not believe they are as in section 623, a furnisher can not furnish information if they have reasonable cause to believe it is inaccurate, incomplete, or unverifiable. I was not able to verify this debt with PRA as I was not given any of the requested information therefore this information must be removed pursuant to subsection ( b ). I am demanding they immediately remove this account from my reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts are in violation of 15 usc 1681 e b- accuracy of a report, states the furnisher/consumer reporting agency is responsible for reporting maximum possible accurate when it comes to a consumer ( me ) report. I sent a dispute letter displaying this information and saying it needs to be removed due to inaccurate reporting of multiple items causing my credit report to not be accurate : payment status, account status, date opened, account #. 
these accounts all have multiple inaccurate information that the bureaus are not be held liable for reporting accurately. 
XXXX, XXXX XXXX XXXX, Original Creditor the unauthorized use of my information under 15 U.S. Code 1602 ( p ), I did not authorize nor do i have actual accounts from these implied cardholders. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX- 15 usc 1666 b- timing of payments. 
I sent in as well a dispute letter stating I have never received a statement from them 21 days before I am to pay my statement and on top of that when I did receive it which is usually 5 days before its due if it was to come in a negative form I would've paid it, but it came in a positive form. They reported XXXX late payments are not accurate because the bureaus didn't hold the furnisher 's responsible for upholding the laws provided. These were all that I have attempted to resolve multiple times to dispute with the XXXX bureaus and they told me these items were validated even after detailed descriptions of the fcra/fdcpa laws and what my credit report reflected. So that i dont have to continue housing a inaccurate report causing me a great deal of distress, I demand these items be removed from my credit report and I be sent from each bureau an updated credit report reflecting changes made.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im re submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX : {$29000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$890.00} BANK XXXX XXXX XXXX XXXX : {$7200.00} XXXX XXXX XXXX : {$3000.00} XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXX ) XXXX Balance : {$360.00} CONSUMER ADJUSTMENT ( Original Creditor Name XXXX XXXX XXXX XXXX ) XXXX Balance : {$530.00} XXXX XXXX XXXX MO XXXX XXXX Creditor Name XXXX XXXX CO XXXX AZ XXXX XXXX XXXX Balance : {$7500.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$7500.00} BANK OF XXXX XXXX XXXX : {$7200.00} XXXX XXXX  XXXX Balance : {$3000.00} XXXX XXXX XXXX XXXX XXXX : {$31000.00} ( peviously Late open ) XXXX XXXX XXXX  XXXX Balance : {$910.00} XXXX XXXX XXXX XXXX XXXX : {$670.00} XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX POLICE DEPT Inquiry : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXXXXXX Inquiry : XX/XX/XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX According to FCRA XXXX XXXX ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.