23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following accounts, collection accounts and credit inquiries currently listed on my Trans Union, XXXX and XXXX credit report is fraudulent and the result of identity theft : XXXX XXXX XXXX, {$6100.00}, XXXX XXXX XXXX, {$9100.00}, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> and XXXX XXXX
Product: Credit reporting or other personal consumer reports

TEK COLLECT INC reported a balance on my credit report and I have no clue who they are or what this about. I never received a mail or email. I am so confused as to what is going on and need answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that your company provide me with debt validation and the Health Insurance Portability and Accountability Act ( 'HIPAA ) authorization. Be advised, this is NOT a request for " verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( " FDCPA '' ). See. Reference Above At this time, I will also inform you that a HIPAA-covered entity or its business associate violated my health information privacy rights and/or committed another violation of the Privacy, Security, or Breach Notification Rules. I do not recall giving permission to release my medical information to a third party. am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patient 's authorization. Therefore my request is twofold-validation of debt and HIPAA authorization . COMES NOW, I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay vou. Please provide the following XXXX requesting that the HIPAA-covered entity or its business associate provide debt validation for an account in question. Please provide debt validation in the form of agreement an original bill, and a detailed statement of procedures is required. If any please provide a breakdown of fees, including any collection costs and medical charges, if any Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer. if any. Cease any credit bureau reporting until the debt has been validated by me Please provide me with a vented certificate of authority. and proof that your company is licensed to collect debt in my state. Kindly provide me with a license number and registered agent or agent of service Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA, HIPAA.
Product: Student loan

Feedback Case # XXXX- I have been continuously misled and outright lied to, regarding loan records and filing procedures, in efforts to consume time regarding statute of limitations, and my possibility of fi

nding legal representation. This was done intentionally as XXXX  routinely said : 1 - Navient had no records of the loans I was requesting. 2 - The loans originated from XXXX, Navient did not have access to those records. 
XXXX - XXXX  agents claimed the XXXXXXXX XXXX XXXXXXXX was responsible for the reimbursement, and the claim needed to be filed there, and vice-versa. 

I have had numerous calls with both both XXXX and the XXXX. of XXXX, where I have been left on " soft-holds, '' muted in the background, others where I have been left on hold for up XXXX minutes and needed to call back on a second line. Also, agents claiming to transfer call to a " XXXX  XXXX '' and dropping the call with no attempt at reconnecting. 

XXXX, when on the phone with XXXX  agent " XXXX XXXX, '' calling from phone number ( XXXX ) XXXX, I accused XXXX  of fraud, and requested a record of either the call itself, or a transcription of the call be sent to me. I then provided the routing number from XXXX of XXXX payments/transactions provided by an XXXX agent who knew where to find the transaction record. 
XX/XX/XXXX - collection call from XXXX  from XXXX XXXX ' XXXX confirmed nothing had been added as a notation of files being disbursed. Requested copies of the original loans records, and then asked for a copy of the call that was on a recorded line, and again sited the transferring of loan processors as a way of purging records. 
XX/XX/XXXX - collection call from XXXX  from XXXX XXXX ' XXXX asked if there had been records sent out or any notation in file, XXXX asked for a brief hold to speak with XXXX, line disconnected. 
On XX/XX/XXXX I have received a printout of the XXXX loans with disbursement, payment, payoff dates. 

AT NO TIME WERE ANY OF THESE COMPLAINTS INVESTIGATED OR ADDRESSED BY EITHER : XXXX XXXX Dispute and XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- -- -- -OR -- -- -- -- XXXX XXXX XXXX XXXX I have also started notifying and recording all calls to parties involved, due to the repeated lies. I have had XXXX XXXX employees hang up mid-sentence as they refuse consent to record, despite saying XXXX seconds earlier, the call is recorded for " quality and training purposes. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

To Consumer Finance Protection Bureau This is not a duplicate complaint This is an additional complaint to Experian Company has taken more that 30 days, company claims sent documents Documents never received after XX/XX/XXXX as they claim Since XX/XX/XXXX as of Today 's date XX/XX/XXXX no information received as Experian claims that sent via US Postal Service .33 days have lapsed No information received from Experian, Experian has not provide company toll free number through CFPB portal Only their mail in address 1-Experian documentation never received as they claim 2-Experian did not provided their customer toll free number, as requested Making more difficult communications Please provide me with Experian toll free customer service phone number This matter is causing delay on behalf of the company Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} Debt Recovery Solutions XXXX XXXX XXXX, XXXX  XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
Product: Credit reporting or other personal consumer reports

I applied for a credit card in notice several accounts that were opened in my name, i do not recognize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to Equifax, XXXX and XXXX in XX/XX/2021 and I did not receive any written responses to my dispute letters. So, I resent the letters in XX/XX/2021 for no response to my initial letters. Still NO RESPONSE. I sent another batch of letters in XX/XX/2021. And again, NO RESPONSE. At this point I'm frustrated and disappointed that they have failed to conduct a proper investigation concerning the inaccuracies on my credit report. I've given them more than enough time to investigate and respond.
Product: Credit card

I have been receiving unsolicited credit card offers from Capital One for over a year. I have filed a complaint in XXXX, 2016 with FTC and wrote a letter to Capital One requesting them to stop sending my credit card offers. They have not stopped. This week alone ( XXXX ) I have received two letters from them containing credit card offers.
Product: Mortgage

I just bought my XXXX home in XX/XX/2021 at the referenced home address. I used Rocket Mortgage as my mortgage company along with XXXX for home owners insurance. After XXXX months I received a letter from Rocket Mortgage that they issued a new home owners policy because my current policy with XXXX has been cancelled. I called XXXX to see what happened and they said they dropped the ball in notifying me that they cancelled my policy after they received the appraisal documentation that a few shingles were lifted from my roof and they couldn't insure my home. Local XXXX representative told me that actually Rocket Mortgage knew before I signed for the house of the report but didn't notify me. I commence to call Rocket Mortgage for an explanation and was told that an underwriter dropped the ball on my mortgage and they didn't learn about this until XXXX  days later after I signed my mortgage papers. Now, I have been cancelled from XXXX and my current insurance company, XXXX has appraised my home for {$270000.00} because of the material to replace my home. Never did they mention that the roof was an issue or needed to be replaced! My neighbor whose home is built the same time with the same materials told me tonight that his insurance isn't valued like that!
Product: Credit card or prepaid card

Capital one charged me an annual fee on  XX/XX/XXXX . The fee was for {$39.00}. I tried to contact them in order to inform them i wouldnt be able to pay it due to college tuition amd expenses. They refused to help. I been a customer since  XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


NAVY FCU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX NAVY FEDERAL CR UNION Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX NAVY FCU XXXX XXXX
Product: Money transfer, virtual currency, or money service

I withdrew bitcoin from my XXXX  broker and sent it to Gemini. Gemini received the bitcoin sent from my broker and when they received it they froze my account because they said they suspect suspicious activity from the address the bitcoin was sent from. I created a ticket to resolve the problem. Provided a picture of me holding my state ID with a paper that had the case number written on it as that was requested by them. all of that was done swiftly on the XX/XX/XXXX XXXX it has about 3 weeks of no response from the support of Gemini. I would like my account unfrozen so I can retrieve my money.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

On or around XX/XX/XXXX of 2021 I bought a jeep from XXXX XXXX of XXXX CA. Within days it was brought back for repairs. It stayed at the dealer for 2 weeks. I complained and was told to come and get a different jeep. The dealer told me the paperwork would just be modified and updated to the new jeep I still currently drive. That never happened. The credit union who originally financed me is Golden One CU. My account number is my XXXX XXXX. Golden One CU has had proof the jeep was returned back to the dealer the day it happened, ( XX/XX/XXXX approx ). They since have been charging me for the jeep that was returned to the dealer and have refused to take me off the note. They told me it it was only a clerical error and should be fixed soon. After contacting them monthly 3 or 4 times a month.. they told me to continue to pay so my credit wouldn't be effected. I had to stop paying because I couldn't pay for both the returned and new jeep at the same time. This was about 4 months ago I stopped paying.. They have since ruined my credit, ( XXXX to a XXXX ). They refuse to repay me the 6 months of payments for the returned jeep and refuse to to do anything until the dealer pays them. This I a matter between the XXXX and the dealer not me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report with Transunion is horribly inaccurate, is was fine for years then at the beginning of XX/XX/2020, my own information got combined with another person with a similar name since then I have lost out on a loan because of it. I have called, cried, begged, everything for them to fix it and they said they 'do not make mistakes ' and my credit report is correct. I do not have a mortgage, yet it says I do, I own my home, I have 4 cc and this other person has over 30.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Pursuant to relevant laws under the Fair Credit Reporting Act ( FCRA ), I hereby lodge a complaint against TransUnion, which is a consumer reporting agency, for violations of my consumer rights. I have a case number for my Claim from TransUnion in this matter which is XXXX. I called in on a recorded line and stated the below relevant laws to their employee and their manager and they did not comply with my lawful demands. I stated to them the following : Under 15 USC 1681 section 602 ( a ), it is mandated that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and respect for consumers ' privacy rights. Additionally, 15 USC 6801 outlines Congress 's policy that financial institutions, including furnishers of information to credit agencies, must respect customer privacy and safeguard nonpublic personal information.

Per 15 USC 1681 section 604 ( a ) ( 2 ), consumer reporting agencies may only furnish a consumer report with the written instructions of the consumer to whom it relates. XXXX and the furnisher of information to credit agencies have not obtained my written consent to furnish this information, thereby violating my privacy rights. 

Furthermore, 15 USC 6802 ( b ) ( c ) dictates that financial institutions must inform consumers of their right to exercise nondisclosure options, which was not done in this case. Additionally, 15 USC 1681C ( a ) ( 5 ) prohibits consumer reporting agencies from including adverse information in consumer reports without proper authorization. This account, being reported without my consent, constitutes a violation of this provision.

Moreover, 15 U.S. Code 1681s2 ( A ) ( 1 ) ( A ) stipulates that information furnished to consumer reporting agencies must be accurate. XXXX and XXXX have failed to maintain reasonable procedures, as required by 15 U.S. Code 1681e, to prevent violations of FCRA sections.

Lastly, according to 12 CFR 1016.7, consumers have the right to opt out of reporting services at any time, which I let them know is my will to be done. I showed them the following was on my consumer report in violation of the relevant laws : them to remove the following off my consumer report as it is done against my will : XXXX XXXX XXXX XXXX and its Alleged balance of {$10000.00}, XXXX XXXX XXXX XXXX and its Alleged balance of {$15000.00}, XXXX XX/XX/XXXXand its Alleged Balance of {$3300.00}, XXXX XXXX XX/XX/XXXXand its Alleged balance of {$7700.00}, XXXX XXXX XXXX XXXX. 

Thank you for your attention to this matter. 
Your immediate attention to this matter is essential. I anticipate a prompt and satisfactory resolution. 

Sincerely, XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Cease Unauthorized Credit Reporting Immediately Violation of Tennessee FCRA Identity Theft Laws Dear ALLY FINANCIAL, I am writing to address a serious issue regarding the unauthorized reporting of information to my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ), specifically governed by Tennessee state laws concerning identity theft and fraud. 

It has come to my attention that ALLY FINANCIAL has reported information to my credit report without obtaining my explicit consent, which is mandated by Section 1681b ( a ) ( 2 ) of the FCRA and corresponding Tennessee FCRA provisions regarding identity theft ( Tennessee Code Annotated 47-18-1101 et seq. ). 

Under federal law and Tennessee statutes, consumer consent is a fundamental requirement for credit reporting activities. Failure to secure such consent violates my rights under Section 1681b ( a ) ( 2 ) of the FCRA and Tennessee law, and may result in severe penalties outlined in Tennessee Code Annotated 47-18-1103. 

I demand that ALLY FINANCIAL immediately cease any further unauthorized reporting of information to my credit report. This demand is not negotiable and must be complied with within 30 days from the date of this notice, as required by law. 

Failure to act promptly and rectify these violations will be considered willful noncompliance and may subject ALLY FINANCIAL to legal consequences under the FCRA and Tennessee state law.

I expect your urgent attention to this matter and full compliance with federal and state regulations protecting consumers from unauthorized credit reporting and its damaging effects.

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

Have multiples account reported to my credit report incorrectly, they are harassing me. I would like to be remove from my credit. the credit report have than post it, for example XXXX have the majority. 
I do have a police report with identity theft on those credit card, as proof. 

I need you help on this matter please. 


XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms On record until XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$7.00}, XXXX written off. {$7.00}, XXXX past due as of XX/XX/XXXX. 



XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$2.00}, XXXX written off. {$2.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2000.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$13.00}, XXXX written off. {$13.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XXXX XXXX Balance {$13000.00} Balance updated XX/XX/XXXX Highest balance {$13000.00} Terms - On record until XX/XX/XXXX DISCOVER BANK Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$8.00}, XXXX written off. {$8.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$8200.00} Balance updated XX/XX/XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$4.00}, XXXX written off. {$4.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$4200.00} Balance updated XX/XX/XXXX Credit limit {$5000.00} XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$860.00} written off. {$860.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$860.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$700.00} Highest balance {$860.00} On record until XX/XX/XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$830.00} written off. {$830.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$830.00} Balance updated XX/XX/XXXX Recent payment Monthly payment Credit limit {$750.00} Highest balance {$830.00} Terms -On record until XX/XX/XXXX XXXX
Product: Vehicle loan or lease

A while back I tried to take out a personal loan through Enterprise Rent a Car for a used car in XXXX, IA looking at buying a vehicle. The address is at XXXX XXXX XXXX, XXXX, IA XXXX. The issue lies that after trying to finances arranged to help pay for the vehicle, they denied me for the loan after taking too long. I would like mediation of this issue and please follow up with my self directly. I can be reached at mobile phone number ( XXXX ) XXXX.
Product: Prepaid card

These XXXX  cards are declined online I call AMEX customer service and they can not offer XXXX XXXX resolution. They can not tell me where I can use the cards ( their site claims you can use them anywhere that accepts AMEX ). They can not transfer XXXX XXXX to a physical card. They can not offer me a XXXX. 

They falsely advertise that their gift cards can be used XXXX  that accepts American Express cards. 

This is simply not the case. I can not reach a resolution with AMEX customer service nor can the original purchaser. 

I have been unable to use their card. My money is inaccessible.
Product: Credit reporting, credit repair services, or other personal consumer reports

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