23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

The XXXX XXXX pursued a debt of {$1000.00} associated with a XXXX XXXX account that has never been associated with me ( I have never entered into any contract with XXXX XXXX ). I received notice initially on XX/XX/2022. 

I mailed a letter via registered mail ( sent on XX/XX/2022 ) requesting that they provide me with proof that the debt belongs to me or cease attempts to collect. 

Since then, I have received a letter from MRS BPO trying to collect on the same debt ( received XX/XX/2022. Date of the letter specified as XX/XX/2022 ). My understanding is that it is illegal for them to sell debt that is currently disputed.
Product: Checking or savings account

We have contacted Navy Federal for the past 2 months to revoke authorization on an automated transfer for a used car loan. Navy Federal is financing our used car loan. The automatic transfer occurs biweekly. We no longer have the vehicle as it was in a car accident. Every time we call to cancel/revoke authorization we are told already canceled or no we cant or they flat out refuse to do so.
Product: Credit reporting or other personal consumer reports

identity theft, These accounts XXXX XXXX XXXX and CREDIT CONTROL SERVICES INC do not belong to me. I have no contract with either of these companies
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize on Transunion, and XXXX Please remove them immediately. I have a fraud alert on my profile Thank you.
Product: Credit card

I paid my chase closed card account, leaving a balance of {$0.00}. These greedy sharks charged me {$67.00} of interest!! Even with my interest rates of XXXX %, they overcharged me by XXXX times the amount they are allowed ( my current balance of {$0.00} ). They refuse to take this off stating that Chase is acting lawfully in charging me for the interest PRIOR TO MY PAYMENT OF {$4000.00}. I paid before my due date, but they want to XXXX us dry of all money we have. I hope its not only XXXX they treat like this. I sense religious and XXXX discrimination practices. The supervisor on the phone also said they are doing this lawfully, when XXXX has fined them millions of dollars for shady practices like this upon the American people.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX account # XXXX XXXX XXXX XXXX XXXX Ref # 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 A Section 2 : it also states a consumer reporting agency can not furnish a account without written instructions 15 U.S.C 1692 C
Product: Credit reporting

XXXX reported me late when I was n't. I have the proof. Credit bureau wo n't open up a dispute so by law remove the account or update it.
Product: Debt collection

im writting in response to a debt claim that i owed to exeter i settle out with them under the theats of taking me too court, reporting to the credit reporting bureurs, But they never told me i can dispute this debt, i never gotten validation of this account they never sent any of that to be fair, so im formally asking for you to cease any collection actities until debt has been validated addionally any attemps to reports this to a credit agency with out proper validation of the fair credit act i am asserting my rights under 15u.s.c.1692, an they are still reporting the original debt
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX - XX/XX/year>XXXX XXXX XXXX XXXX  XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX Inquired XXXX XXXX XXXX, XXXX, XXXXXXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX XXXX  Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX XXXX XXXX, XXXX - XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX, XXXX Inquired on XX/XX/XXXX, XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXXXXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XXXX XXXX, XXXX, XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has kept reporting inaccurate information on my credit report. I have informed equifax that the collection account reported to equifax by XXXX XXXX XXXX XXXX and XXXX XXXX company dont belong to me. Equifax has kept saying that they investigated the accounts and that these accounts belong to me which is not true. The information equifax is reporting on my report is inaccurate. The FCRA requires credit reporting agencies to report accurate information and to update reports within 30 days. Equifax has failed to follow this law.
Product: Credit reporting, credit repair services, or other personal consumer reports

thanks for adding the fraud alert to my report but i still need the issue resolved. I have loss sleep thinking of how someone has actually got away with these accounts.
Product: Credit reporting or other personal consumer reports

Experian is attempting to charge me {$25.00} for a credit monitoring service - " XXXX  '', that I do not recall signing up for. I believe this is a case of a predatory subscription service.
Product: Credit reporting, credit repair services, or other personal consumer reports

Some unknown person or entity has changed my mailing address to theirs and and that new and fraudulent address is showing up on my credit reports?
Product: Credit reporting

I recently saw that my credit score had been downgraded on Experian based on XXXX releasing this information to Experian. I spoke to a Experian agent XXXX XXXX XXXX on XXXX XXXX and the course of action recommended was to complain to XXXX and Consumer Protection. 
The history of this in fact is as follows ... 
The dispute on the amount of payment has been going on since XX/XX/XXXX 2015. I have evidence when I have repeatedly reached out to XXXX via social media, contacted XXXX via phone to settle the account. 
I even supplied evidence of the disputed account to XXXX collection agency on XXXX XXXX. Then supplied evidence of dispute to XXXX collection agency on XXXX XXXX. Agreeing to pay what I considered a fair amount for services used. 
The most recent encounter was again me contacting XXXX XXXX to settle the account, only to be told that this was with the collection agency. The account has since been settle and closed. XXXX XXXX XXXX 2015 with XXXX XXXX of New Jersey XXXX. 
The question is, that this account has been in dispute since XX/XX/XXXX, there was no action from XXXX, till i called them to settle the account in XXXX, after which it was promptly reported to the Credit agency. This is unfair and I am being penalized for trying to do the right thing.
Product: Debt collection

XXXX XXXX  likes to pass its debts between several of its own companies. They attempted to sue me in court and lost. I have an order of dismissal that was granted on XXXX XX/XX/2023. They were represented in court by an attorney and despite losing the case they chose to continue to report it and now outsource it to a company called Unifin Inc. Unifin Inc received an email with the judge 's findings. A court has ruled on this case and despite having lost they continue to try and wreck my credit, harass me and just act dishonestly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good morning, I submitted a dispute with XXXX since XX/XX/2022 and they are still investigating the dispute as of today XX/XX/2022. 
I tried to access my credit report on their website but it tell my that I am unable to due to a dispute being proceed. 
I reached out to them by phone over a week ago to ask whats going on and I was told my issue has to be escalated to the proper department and they would call me back in three days but I still have not heard anything back from them. 
I tried contacting them again today XX/XX/2022 but was transferred several time back into to call que to wait for another customer service rep.
Product: Credit reporting or other personal consumer reports

I am contacting you regarding fraudulent information linked to my identity. Unauthorized accounts and transactions have been falsely associated with me, causing significant distress. I have fallen victim to identity theft and have already reported this incident. 

This situation requires immediate attention due to its severe impact on my financial standing and reputation. I respectfully request your assistance in swiftly removing all fraudulent data from my credit report and conducting a comprehensive investigation. I stand ready to provide any necessary documentation and, if needed, pursue legal action to safeguard my rights and seek appropriate redress.
Product: Credit card or prepaid card

I applied for balance transfer balance w/ discover card in the amount of XXXX dollars they approved XXXX I told them I needed XXXX. I told them if they could not XXXX to forget it. Two weeks later 2 weeks later they did a transfer balance anyway with out my knowledge or approval. That left me owing XXXX XXXX XXXX  and discover card XXXX. The legal term for that is surreptitious.
Product: Credit reporting or other personal consumer reports

From : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NV XXXX Email : XXXX Phone : XXXX Date : XX/XX/year> Complaint Summary : I am filing this complaint regarding Discovers failure to comply with the Fair Credit Reporting Act ( FCRA ) in its reporting of my account. Despite my written certified mail request for verification and correction sent out XX/XX/year>, Discover continues to report inaccurate information, which has negatively impacted my credit profile.


Specific Issues with Discovers Reporting : Past-Due Balance Reporting on Closed Account : Discover has inaccurately reported this account as past due, despite the account being closed. They continue to report this inaccurately every month as delinquent. FCRA Violations : 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Discover is required to furnish accurate information, yet continues to report a balance inaccurately. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Discover has failed to correct or delete the unverifiable information despite my certified dispute request. Insufficient Verification ( MOV ) : Discovers response to my certified letter provided only a bank statement, which does not adequately substantiate the monthly delinquency reporting.
Product: Credit reporting or other personal consumer reports

The following inquiries serve no permissible purpose 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
Product: Debt collection

There are several things on my credit report that are from companies that I do not know ( LVNV, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX ) I was never notified that any of my accounts were being sold to these companies as I am not even sure what accounts they are for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Charged Off a Credit Card Debt in XX/XX/XXXX. I have requested XXXX XXXXXXXX to send me a 1099 C for the Charge Off Cancellation of or Forgiveness of Debt in Accordance with Internal Revenue Service Publication 4681 and the XXXX Form provisions for the cancellation of the Debt. I have sent correspondence on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. As of this Filing I have not received any forms for the filing of personal taxes. 

XXXX XXXX has turned the account over to XXXX and XXXX, XXXX and debt collection company. XXXX and XXXX has sued me and has been granted a verdict. Unfortunately, XXXX and XXXX should know or should have known of XXXX XXXX fiduciary responsibility. 

Now XXXX and XXXX is attempting to garnish my wages.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submititng another CFPB complaint regarding fraudulent items I found reporting on my credit report. I have discovered several items on my credit report that I did not authorize or participate in. These items are damaging my credit score and causing significant financial harm. Specifically, the fraudulent items on my credit report include several credit accounts that I did not open, as well as several charges and loans that I did not initiate or receive. The total amount of these fraudulent items is significant and has had a negative impact on my credit score. I need the Credit Bureaus to investigate and remove the following items off of my Credit File as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have taken steps to dispute these fraudulent items with the credit reporting agencies and the creditors in question, but have not received a satisfactory resolution. Despite providing documentation and evidence of the fraudulent activity, these items remain on my credit report and continue to damage my credit score.
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dept of Ed/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 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

To whom it may concern on XX/XX/2021 I provided XXXX XXXX, EQUIFAX with a letter that was sent certified asking them to correct my personal information to match my name and address listed on my goverment issued identification. There are still incorrect personal information being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEPT OF ED/XXXX  violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so DEPT OF ED/XXXX  has violated this law because this late payment is reporting on TransUnion 15 USC 1681a ( 4 ) says, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy so DEPT OF ED/XXXX has violated this law because this late payment reporting on TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so DEPT OF EDXXXX has violated this law because they furnished this EXPERIENCE to TransUnion and I didnt give them permission to do so.
Product: Debt collection

XX/XX/2017 I was a victim of identity theft in which this debt was obtained
Product: Debt collection

Law Firm, XXXX, XXXX XXXX XXXX on behalf of Huntington Bank is attempting to collect on an invalid debt against me. Huntington is claiming a lien against my personal residence based upon an alleged unpaid and unstated amount as a result of a mortgage that was cosigned by me for another property and businesses that were incorporated. Huntington took receivership of the property and businesses and caused a valid purchase agreement to be nullified resulting in a reduction of the sales price and deterioration of the businesses and their assets.
Product: Credit reporting or other personal consumer reports

Dispute Items : ( XXXX ) Experian XXXX and XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of the disputed items listed above on my credit report. As a result, inaccurate or unverifiable accounts remain unresolved. Furthermore, the Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and not notifying consumers about the outcomes of disputes. These failures reflect my experience, as Experian has neither corrected nor removed the disputed items despite the evidence I provided. This inaction has caused ongoing harm to my credit standing. I am requesting immediate corrective action to either remove or amend the disputed accounts. Experian 's lack of action violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to bring attention to the concerns in which Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a proper re-investigation of reported information on my credit report. The negligence of these matters has left inaccurate and unverifiable accounts unresolved on my credit report. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian alleging systematic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses and failing to adequately notify consumers of dispute outcomes. These failures align with my experience where Experian has neither corrected nor removed disputed items despite the evidence I provided. These systematic failures have caused ongoing harm to my credit standing. 

I am requesting immediate corrective action to remove the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

I respectfully request that the CFPB investigate this matter, as this situation is detrimental to me as a consumer and does not align with the mission of ensuring fair and transparent credit reporting practices. 

Please let me know if you need any additional information from me. 

Thank you, for your attention to this important issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

My apartment burned down in 2018 where my electric bill was still active in an uninhabitable environment. XXXX XXXX charged me for a timeframe that I was not in the unit and I was required to pay it to move back in, which I did on XX/XX/2018. This account is currently negatively impacting my credit report as a collections account and a charged off account on my file.
Product: Checking or savings account

I tried to open an account with BMO Alto. I entered all of the data they requested, accurately. We never even got to the identity verification questions : once they had my SSN and my address and phone number, they sent me a verification code to my phone number, I entered it, we went on another couple of screens, and then they just told me that they were rejecting me, and that I would get an email with more information. 

They did send me an email. It had no more information. Just 'we are rejecting you ', no reason, no more information than that. 

I called their customer service line and they were unable to give me any more information, nor were they able to send me to a reconsideration line nor tell me any way in which I could find out what their reason was for rejecting me. I simply have been turned down for an account for an undisclosed reason. It could be because of some information they have about me which is incorrect, or because they don't like my name, or whatever. All I know is that they are denying me access to their product for an undisclosed reason which may or may not be illegally discriminatory or entirely incorrect. ( Since my credit score is generally between XXXX and XXXX, I always pay my bills on time, and I make well into the top 10 % of income in the US, I can't imagine that they have any GOOD reason for rejecting me. )
Product: Debt collection

XX/XX/year> Rcvd a bill from XXXX XXXX in a different State where as a different Gender purchased multiple phones with contracts in my name. Spoke with Fraud Alert Specialist XXXX at XXXX Fraud Department. Spoke with XXXX team leader at XXXX XXXX XXXX in Illinois which is where Identity Theft occurred, Spoke with XXXX at XXXX XXXX XXXX. I filed FTC Identity Theft Report and XXXX XXXX and credit bureau. Filed Police Report in Illinois via phone and with XXXX Police Department which is where I live Homeland Security placed a block on my Social security number due to criminal activity XX/XX/XXXX, XXXX bill in my name at my old address from XXXX XXXX. Filed Fraud Report thru XXXX XXXX XXXX done Fraud Platform online Again XXXX Fraud was Resolved XX/XX/year> Filed Identity Theft via XXXX. 
The XXXX Identity Theft and Fraud was Resolved. 
XX/XX/year> Mailed an Identity Theft and Fraud Report to XXXX. 
XXXX XXXX Identity Theft and Fraud was Resolved. 
XX/XX/year> XXXX another Bill at my old address therefore Again I filed a Fraud Alert via XXXX XXXX XXXX XXXX and phoned them to explain Identity Theft in another State and An entirely different Gender, Filed additional info with the FTC. 
XX/XX/year> XXXX a bill at my current address as of XX/XX/year> and Again phoned XXXX XXXX whom stated that they won't remove anything until Fraud online or via prompts is filed with them. Stated I have done and I did yet again XX/XX/year> XXXX XXXX XXXX, I filed with Fraud Department Again XX/XX/year> XXXX XXXX Again, Filed with Fraud Department Again XX/XX/year> XXXX XXXX from XXXX, Again tried filling via their XXXX Department XX/XX/year> XXXX another bill, Filed Fraud via their Fraud Platform XX/XX/year> XXXX a Collection Letter for the XXXX XXXX Identity Theft Account at my current address. 

XX/XX/year> 2023
Product: Payday loan

My mother got sick and all my money I gave to the hospital for her treatment and now I 'm back up on my rent