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

I am having issues accessing the site to receive my XXXX XXXX and Equifax Credit reports. I have been trying to get my report from the site and I keep getting kicked out.
Product: Credit reporting

I have 2 inquiries that are on my report that supposed to have fallen off but are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

ProCollect has a negative account on my record. They agreed to remove this account from my record several years ago. This is at least the second time I have entered a dispute regarding this company.
Product: Credit reporting or other personal consumer reports

This is my XXXX 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 XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX, SC XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

On XX/XX/2018 Capital One Loan Auto XXXX Service financed XX/XX/2018 XXXX   XXXX XXXX Vin # XXXX therewith XXXX XXXX  took delivery.

On XX/XX/2018 Mrs. XXXX  experienced a series of electrical matters and sought to return the vehicle for an exchange. Mrs. XXXX over her objection allowed the service department to make an attempt to repair the damage. The said repair failed and Mrs. XXXX sought an exchange of vehicle and or rescind the loan and met with strong resistance that still remains thereof by the parties ( XXXX XXXX & several employees from Capital One ) involved with said transaction both abinitio and post thus far, and was told the loan had been funded
Product: Debt collection

ARS ACCOUNT RESOLUTION S, will not remove my collections from the report, The collection is a false claim, I have called and shown proof to the company that my daughter had Medicaid at the time of the emergency visit. They continue to report that I owe a debt i do not owe under federal law. {$850.00} XX/XX/2016 date of services, after 3 years it appeared on my credit report, no billing or communication of any kind occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a few accounts with Equifax and after a response from Equifax through CFPB stating an investigation would be completed. Equifax has not responded to my dispute and continues to report the unverified and inaccurate account on my credit report, According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) they are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts they post on a credit report. I am now seeking action from Equifax. The inquries submitted on my account XX/XX/2020 must be removed. Equifax was unable to secure verification/proof, a copy of a contract, nor were they able to obtain my signature showing the true ownership of the inquires on my account. Therefore these inaccurate/unverified accounts resulting in incorrect information on my credit report should be removed.
Product: Debt collection

I notice that this company is on my credit report. I never received any outstanding bills, any notices from this company no information about this collection agency
Product: Debt collection

Bank of America : Balance {$1100.00} Account was closed and put into collections on XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, ID XXXX XXXX 15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer, I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / TransUnion did not fix my child support reporting on my report. I send them proof three or four times and they were legit a FAMILY court order XXXX XXXX  XXXX child support worker Revolution.Letter. The judge ruled on XX/XX/2022 starting on XX/XX/XXXX. I will pay the mother directly and not through the child support unit case XXXX. but department of child.support was my account {$110.00} XXXX XXXX XXXX and finally they corrected it. give me credit to a zero balance and they close my account. The credit bureaus did not correct my account and hes doing a lot of damage. On my credit report it tells me its still open and it was late in XX/XX/2022 that is not correct and this needs to be corrected or delete the whole child support account because its close now. this is causing me a lot of headache and it seems they are not working with me on this issue.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit act following companies violated my rights to privacy with hard inquiries on my credit reports according 15 U.S.C1681 Section 602 A.States I have the right to privacy. XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union revolving 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 for similar practice, where transactions settled with insufficient balances despite initially available finds. I believe these practices are unfair and request an investigation into my account transactions
Product: Checking or savings account

XXXX money, customers bank have very poor policies when it comes to getting the credit back for fraud charges, im owed {$520.00} for XXXX nonservice render charge, {$80.00} fraud charge and {$370.00} from family tax relief which they refuse to provide any type of credit even though these are consider fraudulent charges!!
Product: Credit reporting or other personal consumer reports

XXXX moved my account to XXXX upon which I have paid off. The transfer took place XX/XX/year>. XXXX is still reporting the balance on my credit report. Could you please have them close my account and zero out my balance? 

Thanks, XXXX XXXX
Product: Credit card or prepaid card

I obtained a care credit card to be used exclusivelybfor medical costs through synchrony bank. My credit score was low so I obtained a co signer as my father agreed so I could have some XXXX  work that was required. The total charges came to over {$9000.00} in 2 separate charges. I opened account in XX/XX/XXXX and proceeded to make extra payments and paid the entire balance off by XX/XX/XXXX. I was not required to make additional payments and had a 3 year window in which to pay the required monthly payment. I was never late with a payment. Then I received a letter dated XX/XX/XXXX that my account was closed due to them checking my credit score and determined it was too low and I was too great of a risk. Even though I still had my father 's name on the account ( his credit score was XXXX last time he told me and I'm sure it's still in that area ), and I had paid off the account 2 years before the original agreement and was never late with any payments. Also I'm positive that my credit score has risen over the past year due to the new card and good status. So they had to originally approve me with a lower score than they say is why they closed account. This them caused my credit score to drop as this was the only card I currently had active. I just wanted to keep account open in case of medical emergency but they told me the computer system automatically makes the decision and nothing could be done. Thank you for your assistance and time.
Product: Money transfer, virtual currency, or money service

Western Union is defrauding their response to this complaint. They claim that I am being defrauded even though I know I am not! Now I ask who knows better? ME or SOME COMPANY THAT HATES ME BECAUSE I AM A XXXX? Western Union wants me to prove that I work and that I have an income, where it came from, how much taxes I paid last year and so on. NOTHING is asked about the person or persons I am sending money too. NOT ONE THING! This is just more FRAUD on the part of Western Union so they can continue to be XXXX Haters. Not one question is asked about the people I am or have done business with. So how can Western Union possibly claim they are looking out for My Best Interest? They are not! Western Union is circumventing the law and need to be shut down. Just look at the states that have the highest complaints. How many are racially related? If in fact any of this is true, why hasn't Western Union called in the FBI, CIA, Homeland Security, Interpol, or any other State and or Federal Agency??? 
Very simply Western Union is a fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am submitting this complaint without any assistance from any third party. Attached below is my FTC Identity Theft Report and my full complaint. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft and you guys have no permissible purpose without my consent pursuant to 15 USC 1681 :
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to formally dispute the existence of an account associated with my personal information that I believe has been created without my consent. 

Account Details : XXXX XXXX Date opened : XXXX XXXX I am concerned that this account may involve fraudulent activity and does not accurately represent my identity. As such, I kindly request that your team conduct a thorough investigation into this matter and take the necessary steps to remove my information from the unauthorized account.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding unknown on my credit report. To this day over 60 days later I have not received a response yet. I feel like Im being extremely taken advantage since my disputes ive been ignored. Section 611 a plainly stated that failure to investigate these items within 30 days will result in immediately removing those items from my credit report. It has now been over 60 days so they should be deleted promptly or I will have to file litigation due to the stress and harm youve caused me. My information has been impacted by the equifax data breach and may have gotten into the hands of the wrong people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive constantly contacted the credit bureau 's threw mail, online, and by phone and each time Ive communicated with them that there are several accounts listed on my credit report that are not mine. I believe that these entries are the result of identity theft or fraudulent activity, and I kindly request your immediate attention to rectify this matter in accordance with applicable laws and regulations. I have carefully reviewed my credit report from Experian dated XX/XX/2023 and identified the following accounts as invalid and or Fraudulent. XXXX XXXX XXXX XXXX XXXX These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts, and it appears on my credit report erroneously. I wish to emphasize that the inclusion of these accounts on my credit report is causing significant harm to my creditworthiness and financial standing. These accounts do not belong to me, and I have never initiated or I have never had any affiliation with these accounts. It seems that the credit bureaus keep disrespecting the laws. I showed them multiple times they are violating the Fair Credit Reporting Act. 

According to 15 USC 1618i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately.

According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written permission.

According to 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer agency if the person knows or has reasonable cause to believe the information is inaccurate.

( B ) Reporting information after notice and conformation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has be notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

The bureaus have no respect for the laws.

Someone needs to hold the accountable for this.
Product: Credit reporting or other personal consumer reports

Please removed fraudulent accounts and hard inquiries off my credit profile from XXXX XXXX Trans union immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

This was billed improperly to the VA. I was and still am covered by Medicaid ( XXXX ) ID # XXXX. I notified the care provider and debt collector of this, however I am still being billed. Medicaid is a Federal Insurance with no co-pay and billing me personally is in violation of Federal law.
Product: Checking or savings account

Opened a bank account ( checking/savings ), online with Citibank. This was XXXX XXXX. I went to the bank on the XXXX of XXXX to make a wire transfer to XXXX of my accounts ( Not Citibank ) the amount was {$2700.00}. They charged me {$35.00} for the transfer. They said the funds would be in my account in a few hours and it never came through. I called Citibank and they told me that they blocked my account and I had to verify my Identity this was XX/XX/XXXX, th 2023. That same day they told me they mailed me a code and it would be about 5-7 business days. XX/XX/XXXX. Still no code in the mail called again. They mailed me another code XX/XX/XXXX. Today is XX/XX/XXXX. Still no code. Almost a month still not able to access my funds. I am falling behind on bills.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following student loans were reported on my credit report.. Based on my research, all government funded loans are not allowed to be reported, this is a clear violation of the FCRA..I disputed the accounts with the credit bureaus for several attempts to no resolution..They did not give me evidence or verification as to why they will not remove the account. The error has affected my credit score tremendously. CFPB please step up and fix this ASAP please Im looking to purchase a home. XXXX XXXX, XXXX   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: Checking or savings account

i received 5 letters in the mail that my checking and business accounts are being closed and i have till XX/XX/XXXX to remove funds. i did nothing wrong and have been with the bank for years, and never had an issue. some accounts XXXX XXXX XXXX or more.
Product: Credit reporting or other personal consumer reports

I am experiencing discrepancies in the reporting of my student loan accounts across different credit bureaus. 

DEPT OF EDUCATIONXXXX - XXXX accounts XXXX XXXX. XXXX : Reports my student loan payments from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] with no late payments listed. 
XXXX. XXXX and Experian : Show the same student loan accounts with late payments reported for the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ]. The discrepancies involve late payments reported in the period from [ XX/XX/XXXX ] to [ XX/XX/XXXX ] The dates are inconsistent between the reports from XXXX and Experian compared to XXXX. 

*See Attached
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX Account number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX changed my car loan agreement without my consent. Someone in their office forged my signature and changed the contract amount to get the car loan from XXXX XXXX who is now reporting on my credit report. I reached out to XXXX XXXX and they sent me documents with the a new payment amount and my forged signature for the new contract. I never agreed to the new contract or signed it. The original contract was signed by me on XX/XX/20XXXX XXXX {$360.00}. They changed it on XX/XX/2019 and forged my signature on the new contract with the payment amount changed to {$390.00}
Product: Vehicle loan or lease

My wife ( XXXX XXXX XXXX had a lease with XXXX XXXX. We decided to purchase the vehicle at the end of the lease ( we are a few months away. When we contacted the dealer- the direction on the website- they told us we were REQUIRED to finance with the dealership or someone they refer us to. That is not in our lease agreement and the rates were much higher than what was available to us from other sources. 

When I called XXXX XXXX they told us this was a common occurrence at the dealership - common enough that XXXX XXXX had decided consumers would not have to deal with the local dealership - and XXXX XXXX professionally handled our transition from a lease to a loan with XXXX XXXXXXXX XXXX XXXX. 

I spoke to the Area Manager for XXXX XXXX- and he said he knows this happens and they are working on it? I told him that is an outrageous answer - people that are defrauding their clients should be fired! Basically the people at XXXX XXXX -including the sales person and business manager lied to us about our lease agreement to trick us into taking a loan with one of their partners so - in their words " they could make some money on the loan '' ... They didn't just try to sell it- they said it would be required - and they would sue us and attempt to rescind the purchase if we got a loan with another financing agency. 

I am sure they would catch some people in this net but it is fraud, illegal and clearly unethical. 

We had to spend additional time to get this completed ( which it now has been completed ). 

We believe some compensation for us is in order ; and some sanctions against the dealership should be imposed... 

Thank you
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this letter to request that the following accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
XXXX XXXX XXXX XXXX Balance : {$9300.00} XXXX  XXXX XXXX Balance : {$570.00}
Product: Debt collection

My mother, my sister, and I have received multiple calls on each of our mobile phones over the last few weeks from someone at " Roquemore & Roquemore ''. A female voice then leaves a message saying I need to call them back about an urgent issue related to a file they have on my father. The voicemail they leave indicates that they believe they are leaving a voicemail for my mother ( although my sister and I receive these calls too, and are addressed in the voicemail by our mother 's name ). They use both my mother 's and father 's full names. When I spoke to my parents about this, they had no idea why we would be receiving these messages. When I looked up Roquemore and Roquemore online, they seem to be debt collectors, however, I verified with my parents that they have no outstanding debt. These calls are therefore annoying, harassing, and unjustified. Additionally, I have received calls outside of the XXXX time frame. If they are actually trying to reach my father, I do not understand how they obtained his name, yet found the contact information for XXXX of his relatives ( me, my sister, and my mother ). It feels like some form of a privacy violation.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX