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

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX and XXXX are consumer reporting agencies and I am the XXXX. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' This company is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. This company the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, This company whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' This company never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I was a victim of credit fraud since XXXX  and accounts have been placed in my name that i'm aware of. I've tried reaching out to XXXX asking for proof of application and received no answer. I need this off of my report ASAP it's hurting my credit.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of XXXX USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.
Product: Checking or savings account

I filed a complaint to TD bank before. TD bank issued a credit. Now they charge me it back. I sent all evidence with my previous complaint. TD dispute department used same reason to delay my claim. The department cant be reach by telephone or websites. I will be attached all the evidence of my wifes wallet was lost. The all my credit cards and bank card was in side. XXXX XXXX XXXXXXXX credit car was charged at same place of TD bank card charged. I got my money back from XXXX XXXX XXXXXXXX, but TD still claims the charges were my wife.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I requested an international money transfer of {$1500.00} to my family through my XXXX brother in XXXX with Transaction number : XXXX. Usually this takes few minutes to be remitted to the recipients account. But strengly, this time the funds where not remitted due to technical issues with the company, Worldremit. I waited for three ( 3 ) to allow the company resolve the issue at their end and remit the funds to my family since I was receiving email and sms from the Company ( Worldremit ) about the delay of the transaction. After three days precisely on XX/XX/XXXX, the funds was still to be received by my family. So I called the constumer service at worldremit and was told they are not sure when the funds world be received by the recipient. 

On XXXX XXXX, I received a generated receipt that the funds have been paid to my recipients account. So I contacted my recipient in XXXX to confirm the reciept of the funds but he said he had not been notified by the bank ( XXXX XXXX XXXX ) through alert yet. So he waited a whole day and went to the Bank in XXXX but he was told that no funds were avaliable for him in his account. 

With that report, I chatted the Worldremit through live chat and I was requested to obtain a proof of non reciept of funds from the bank by requesting the bank statement with the said period which he did. This I submitted as a compliant to Worldremit since XX/XX/XXXX and was given a case number : XXXX. 

Since XX/XX/XXXX, I discovered that nothing was done about my case and compliant so I called on XX/XX/XXXX to know what was happening to my funds but there was no postive response from Worldremit. They told me that the funds were paid to their local Partners in XXXX and that they were in communication with XXXX XXXX XXXX to resolve the issue. I asked my XXXX brother to file a compliant with XXXX XXXX XXXX which he did on XXXX XX/XX/2021 sith case number XXXX XXXX and was told it was a failed transaction. 

I waited again for response but none came. I contacted Worldremit again on XX/XX/XXXX to know what was really happening since it was more than 2weeks I requested the transaction but I was told to wait. I said how long? and I was told latest, Monday, XX/XX/XXXX everything will be resolved as they, Worldremit has reordered the transfer since it was not yet received. 

I waited three more days from XX/XX/XXXX, I never got any response from Worldremit and the funds have not been remitted. On Monday XXXX, the recipient filed another complaint with XXXX XXXX XXXX and was given the case numbers XXXX, XXXX XXXX, XXXX, XXXX  XXXX and XXXX. None of the cases have yielded any result sofar Today, XX/XX/XXXX I called Worldremit to know what is really the problem with the transaction and inform them that the Bank in XXXX has told me that the transaction failed and that I need a refund so that I may use other transfer agent and they are still asking me to wait or that they are in communication with the local partner for over 3 weeks now. 

I want a refund of my funds back let me use other transfer agent as my family is hurting very badly at this time I
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. Kindly correct or delete the following items in my file immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally file a complaint regarding the continued inaccurate reporting of a bankruptcy on my credit report by XXXX. Despite my repeated disputes and requests for verification of the information, XXXX has failed to provide adequate proof of their verification process, in violation of federal law. 
Specifically, XXXX has stated that they verified the bankruptcy through documents furnished by the XXXX XXXX XXXX. However, upon contacting the XXXX XXXX XXXX, I have confirmed that they do not verify such information for credit reporting agencies. Furthermore, XXXX, another reporting agency, has removed this same bankruptcy entry from my report following their own review and determination that it was inaccurate. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, credit reporting agencies are required to maintain accurate and verifiable information on consumer credit reports. Section 1681e ( b ) mandates that consumer reporting agencies must follow reasonable procedures to ensure maximum possible accuracy of the information they report. Additionally, under Section 1681i, when a consumer disputes the accuracy of information, the reporting agency must conduct a reasonable reinvestigation to determine whether the disputed information is accurate and must delete or correct information that can not be verified. 
Despite my dispute, XXXX has not demonstrated compliance with these obligations. They have failed to provide me with any evidence or documentation detailing the method and process used to verify the bankruptcy entry. Their lack of transparency and continued reporting of inaccurate information is causing ongoing harm to my creditworthiness and financial well-being. 

Enclosed, I have included the following supporting documents : A copy of my correspondence with XXXX regarding this dispute. 
Evidence of XXXX removal of the bankruptcy from my report. 
Documentation of my communication with the XXXX XXXX XXXX confirming they do not verify such information. 
Thank you for your attention to this matter. Please let me know if you require additional information or documentation to proceed with your investigation.
Product: Credit card

This account represents a clear breach of contract and is fraudulent in nature. The bank failed to provide me with essential information regarding this fraudulent account, which is a direct violation of my rights as a consumer. Therefore, I urgently request the Consumer Financial Protection Bureau ( CFPB ) to handle this matter directly, as the bank 's actions have resulted in significant harm to my financial well-being. The account is : CITICARDS CBNA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are not mine.
Product: Payday loan

The cash store in XXXX IL over drafted my bank account {$300.00}. Their so called collection agency XXXX XXXX XXXX called me and wanted me to set up a payment plan. I looked up my credit report and they are not on there. I think they are a false company and would like them to stop harassing me. I want my {$300.00} back and be able to set up an actual payment plan with a legit collection agency.
Product: Debt collection

company is in violation of 15 usc 1666b per this violation please remove all negative remarks from my credit file and all other credit agencies on file asap. The negative reporting of this account is hurting my report and negatively affecting the ability of me being able to obtain credit. per CFPB this is a violation of my consumer rights and could be subject to daily fines for everyday this is listed. I am demanding the negative remarks be removed asap or I demand CFPB to fine them {$100.00} per day this is listed on my account and negatively effecting my profile. I HAVE ALSO SUPPLIED An IDENTITY AFFIDAVIT AND ACCOUNT STILL NOT REMOVED THERE ARE NUMEROUS VILATIONS. ACCOUNT IS INVALID AND EVEN IT WAS, NO SUPPORTING DOCUMENTS HAVE BEEN SENT WITH INK SIGNATURE, DEBT HAS BEEN SOLD AND CHARGED OFF WITCH MEANS THIS DEBT IS NO LONGER VALID
Product: Credit reporting, credit repair services, or other personal consumer reports

Please disregard last request and I was wondering if I could get a generous REMOVAL of these hard inquiries and account in collections please? 

XXXX Total balance : {$0.00} XXXX XXXX Original creditor XXXX XXXX Balance - Balance updated - XXXX These lenders have accessed your credit file : XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XXXX XXXX, XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XXXX XXXX XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX and they provided me with a loan from credit acceptance. I put down about XXXX for a down payment. My car payments were like XXXX causing me to go into debt with also high interest rate. I voluntarily returned the car and they stated I owed them XXXX and then took me to court years later and I settled for XXXX because I was under pressure. Im low income and that was my first car ever and they really did take advantage of me.
Product: Debt collection

The debt is in amount {$840.00} that I did not personally use or have the access to this account. The date that it was field for XX/XX/18 to credit collection services. My mother has a joint account that was being used at XXXX and has made arrangement to pay the above balance of {$840.00} in monthly payment. I wasn't aware that the above balance was due until I was called repeated times from someone from XXXX XXXX XXXX to get a debt that wasn't mine.
Product: Vehicle loan or lease

A defective vehicle was repossessed and they only wanted a payment in full. I received a summons on XX/XX/year> that I am being sued for the balance after they re-sold it at auction.
Product: Credit reporting or other personal consumer reports

A company called Xactus LLC performed a hard credit check on my report on XX/XX/2023. I have neither knowledge nor given approval for any company to do this. I suspect fraud and when I reached out to company it seemed suspicious and like a phishing scam and they were unwilling to give any information out unless I provided them with tons of personal information, which I did not cause they appeared to be suspicious. I looked up the company and they are notorious for pulling hard credit checks without consumer approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I used Experian in order to receive my 1 annual free credit score report in order to submit an app to rent an apartment. I did not realize the fine print included signing me up for monthly {$23.00} charge from Experian for some sort of account to monitor my credit. I did not realize this was included in the fine print and have never used this service. I feel the " opt-out '' payment policy is dishonest and intentionally designed to fool customers and is intended to be easy to miss. 

On XX/XX/XXXX I called the Experian customer service line to cancel this account. Before being put through to customer service they attempted to sign me up for yet another service which cost $ XXXX month and I had to sit through an automated pitch. I spoke with a rep named XXXX ( Reference number = XXXX ) who confirmed I cancelled the account over the course of the call with the automated service, but declined my request for a refund. They simply don't offer them. I am bombarded with marketing emails but I have never even logged into this account, perhaps with the exception of the process of acquiring the free credit report, and could not even provide my account information when requested by the automated service. 

The FCRA requires these companies to provide 1 free copy of your credit report every 12 months and I feel the misleading methods they used to take advantage of this annual request and sign me up for an costly account is unfair and unethical and that I am due a refund for all charges from Experian. The membership ID included in the cancellation confirmation email I received = Membership ID # XXXX
Product: Debt collection

XXXX  2017  : received a bunch of Voicemails during business hours from  XXXX . Was unable to answer due to work hours and did not owe a debt so I had no idea why they were contacting me.      XXXX / XXXX / 17  : received a letter at my mothers address in another state saying that I owed a debt. Letter says it was sent in early  XXXX  but was not post marked or received ( at the wrong address ) until  XXXX , which was conveniently close to the 30 day dispute date on the letter. I had only a few days to contact my attorney and dispute the letter after receiving it.      XXXX / XXXX / 17  : my attorney sent a certified letter to  XXXX  to verify debt and gave them 30 days to respond.      XXXX /2017 :  XXXX  has not contacted my attorney with proof of debt.      XXXX /2017 : Debt in collections appeared on credit report. Attorney never received proof of debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX is not my account and needs to be removed from my consumer report. I have enclosed my info to view. Also inquiry XXXX XXXXXXXX is not mine and needs to be deleted from my consumer report. 
Law 15 U.S.C. 1681 602 A states I have a right to privacy. Law 15 USC 1681 604 A SECTION 2 : also states a consumer reporting agency can not furnish a account without my written instructions These companies are in violation of Law 15 U.S.C. 1681 602 A & Law 15 USC 1681 604 A section 2 and need to delete these accounts immediately
Product: Checking or savings account

I pay my bills online at the bank. Bank paid one of my bills a payment on XX/XX/XXXX for XXXX instead of {$12.00}. I happened to check my online statement and saw what they had paid and immediately went to the bank to let them know that they sent the wrong amount. I also contacted the company that the payment was sent to and check to see if they got the payment, and instead of rejected the payment since it was wrong, but instead of rejecting the whole amount they took out {$12.00} out of the XXXX. I asked them how I was to get the remainder of the payment of XXXX back. They said they would return it back to VA Pay the company that the bank uses to pay their online banking payments. I returned to the bank after a couple of weeks since I still hadn't received the money back into my account yet. They check with VA Pay and they said they hadn't received it either. They in turn said they would contact the company they sent the payment to see how they returned it and on what date. They tried a couple of times to contact then but was unsuccessful. I tried today to get a hold of them, but I wasn't successful either. It's almost a month now and I still haven't got my money back. I also sent the Company a check for {$12.00} when I found out that they got the wrong amount of payment. They said that this payment would be for XXXX since they had already taken out XXXX payment out of the wrong payment XXXX. I don't understand why the bank thought XXXX was XXXX. I would of put it in as XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Identity Theft and I have an extended fraud alert. On XX/XX/2019. I received an alert from XXXX XXXX that XXXX had ran a hard inquiry on me. I was informed by XXXX XXXX if I did not request this inquiry to contact XXXX at XXXX. I immedity contact them to informed them that this was not a valid inquiry. The first rep I spoke to informed me that there was no application in my name and to contact them in 5 days. I did not wait the next day I called and explain everything and again I was told that there was no application in my name. Two days later my mother received a letter at her address in my little brother XXXX XXXX name from XXXX about an application. I called XXXX and the representive that I spoke to asked me for my brother name and I gived it to her, what she was able to tell me was because my little brother did not have any credit when they try to pull the report they just looked for anything that sounded similar or look similar. She informed me that they were going to delete this inquiry and cancel the application. I than contact Equifax and placed a credit freeze and file a dispute. Today is XX/XX/2019 and the last time I spoke with XXXX was XX/XX/2019. They informed me that they would sent me a letter letting me know that the account inquiry would be deleted. This was not the letter the sent instead they sent a letter saying they would update my XXXX Credit card. I do not have an account with XXXX and have never applied for any account with this company. I have summit several dispute through the credit burea and XXXX keeps saying that the inquiry is valid. Since XX/XX/2019 I have called this company and informed them this was not me and yet this have refuse to remove themself from my credit report. I DO NOT HAVE A XXXX CREDIT CARD AND DO NOT PLAN ON APPLYING FOR ANY
Product: Student loan

Individuals with private student loans serviced by XXXX XXXX ( which has changed its name to Navient ) who were charged late fees for missing payments. This alert specifically affects borrowers who took out loans before 2006.