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

In accordance with the Fair Credit Reporting Act, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. 

The following companies have pulled my credit without my consent showing on my In accordance with the Fair Credit Reporting ActXXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. 

The following companies have pulled my credit without my consent from XXXX : XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXXXXXX XXXX XXXX XXXX on XX/XX/XXXX The following companies have pulled my credit without my consent from Equifax : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX auto XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX In accordance with the Fair Credit Reporting Act, Department of ED/XXXX account number XXXX with the amount of XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. These accounts are also showing incorrect information of potentially negative on XXXX credit report. These accounts have been paid in full. 

In accordance with the Fair Credit Reporting Act, Department of Ed/XXXX for ALL dates opened XX/XX/XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. These accounts are paid and closed on both XXXX and Equifax. 

The Coronavirus Aid, Relief, and Economic Security ( CARES ) Act has forbearance and credit reporting requirements : the following accounts, Self XXXXXXXX XXXX  account number XXXX and XXXX XXXX XXXX XXXXXXXX account number XXXX shows late payments, but we have worked out and agreement to start my accounts over. 

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX  account number XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have a right to privacy 15 U.S.C. 1681 Section 604 A Section 2 : It also stated a consumer reporting agency can not furnish an account without my written instructions. It is also showing incorrect information on Equifax and XXXX bc this account is paid And closed.
Product: Credit card

I have some very good history with capitol one. I just recently got a second credit line opened with them, however Ive noticed that i have a hard inquiry from XX/XX/year> from an application that I DID NOT submit. I didnt apply for capitol on until XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, I contacted TransUnion concerning some unauthorized hard inquiries that I found on my credit report. 

I mailed the enclosed letter by way of certified mail and it was received by the bureau on XX/XX/2023, XXXXXXXX XXXX as shown by the attachments to this letter. 

It has been over a month now, and no acknowledgement nor resolution was ever received back from the bureau in clear violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX and XXXX of 2019 I requested verification of an alleged debt owed by me to XXXX XXXX account # s XXXX XXXX I was responded to repeatedly with verified as accurate. I then disputed directly with XXXX XXXX and was told that I dont have any accounts with them. I would like to know why these accounts continue to be reported on my credit reports and how they are being verified if no such accounts exist.
Product: Debt collection

GREEN TREE FACILITATED FICTITIOUS LOANS WITH TITLE THEFT TAMPERING AND THIS WAS DENIED WITH COMPANION COMPLAINTS FILED. DITECH FINANCIAL LLC/F/K/A GREEN TREE SERVICES LLC WHOSE ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ARIZONA XXXX DID TRANSFER TITLE UNDER FICTITIOUS LOANS SCHEMES TO NEW RESIDENTIAL MORTGAGE LLC WHOSE ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX WITHOUT ANY PERMISSION, ANY AUTHORITY OR ANY KNOWLEDGE. I AM SOLE PROPERTY OWNER AND GREEN TREE AUTHORED, ENDORSED AND PREPARED FICTITIOUS PROPERTY LOANS WITH XXXX XXXX  FOR OVER THE AMOUNT OF {$300000.00} AND MOST LIKELY MORE FICTITIOUS LOANS.
Product: Credit reporting

Some in 2012 I begin a process of trying to pay off all credit so that I can begin the process of purchasing a home. I requested my Credit Report from all Credit Companies thru website Free Annual Report I review the report and begin paying them. I believe some on my credit report did belong to yes I disputed them certain items keep popping up with different account numbers but attach to my social security number. I would all XXXX companies the investigated for policy and procedures and make they following Federal Regulation regarding Credit Reporting and Credit Score and review their Computer system for accuracy and privacy guidelines.
Product: Money transfer, virtual currency, or money service

They wont allow me to connect to another account as an external account
Product: Debt collection

On XX/XX/2021 I notice a bankruptcy alert in my credit report, from which I was unaware of.I proceeded to call the original creditor which phone num was XXXX, ask them for information regarding the bankruptcy the lady ask for my full name but in her system I appeared to be located in Texas, which is wrong I dont. I communicate her that I couldnt be me and she asked for my social since I didnt have an account number ( because I never received letters to my house regarding the debt that I Own. She said that the only way to verify me was with my social which I denied saying it. I havent been to an ER facility in over a year plus I am not from around the area this ER is located at. I believe someone stole my identity and claimed this money, because they have my old phone number on file. I dont have any documents to upload because this people didnt even sent letters of notice otherwise I would had taken maters since the early beginning, before something like a bankruptcy under my identity would have happened.
Product: Credit reporting or other personal consumer reports

I started a trucking company in XXXX  and opened a business checking account with XXXX for the company. Once I started generating revenue XXXX offered me a business Credit card which I opened with them. Since the trucking industry as many other industries as well took a nose dive I was forced to shut down operations. Leaving a balance on the credit card. I have agreed once things settle for the company to pay the credit card balance however XXXX has started to report on my personal credit the late payments on the business Credit card. I was registered as a Single Member LLC with the state of IN and as such opened up the credit card for the company. However due to XXXX  constant refusal to report this on the business instead of the personal credit it has caused me much harm in my personal life. I am not able to move my child to a better school as nobody is willing to give me a loan due to this reporting. I have had a very high credit score up until this point. I have never been late on any XXXX of my obligations for any loans or credit cards. I request that XXXX fix this problem and remove it from my personal credit reporting as soon as possible. They have also used threatening language in the phone calls they have made to me.
Product: Checking or savings account

From about XX/XX/XXXX to mid XXXX there were multiple unauthorized transactions on my debit card from the company XXXX XXXX As soon as I saw these I called to report them. These transactions were both credits and debits to and from my account. I disputed all of these transactions, both the money being deposited in my account and the money being withdrawn. On XX/XX/XXXX my account went negative and when I called to ask why I was told they were removing the money I disputed that was deposited to my account, and that there were XXXX separate disputes. one dispute for the money coming in and one for the money going out, and the one for the money going out was still being processed. However, today I was told that my dispute from the money being withdrawn was denied. I dont understand because Im being told they cant find evidence of fraud but I did not make these transactions. I also dont understand how all these transactions were done by this same XXXX XXXX company but the bank honored my dispute of unauthorized money being deposited into my account by removing those funds, but my dispute of the same account withdrawing funds from my account was denied. If Im disputing all these transactions why did they reverse the money coming in but not the money coming out. All of these transactions are unauthorized and need to be reversed. Wells Fargo is refusing to honor my dispute of money being stolen out my account when I did not do or authorize these transactions. But they have no problem honoring my dispute of the same people depositing money into my account as they reversed those in 2 days. This is very unethical and disappointing. And further I asked that my claim be escalated to no avail and Im not being given any reason for this or why this claim was partially denied I feel they did this intentionally
Product: Checking or savings account

I noticed a list of transactions not authorized by me, I called the bank and submitted a dispute which was denied indicating they were authorized by me when they were not a total of {$4700.00} Below are the transactions PURCHASE AUTHORIZED ON XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I was called by Exeter finance on XX/XX/XXXX that my loan had matured and I had to pay it off on or before XX/XX/XXXX to prevent it from being delinquent. I asked if they could extend it another month but was told that they can not and that it will build interest if I dont pay. I asked if it would be reported on my credit and I was told no. The representative told me that after 75 days it will be reported on my credit and the car will be repossessed. 
I again called after two days and was told by another representative that I had to pay it on or before XX/XX/XXXX or it will be late. I had to come up with {$8700.00} to pay the car off. I paid it off XX/XX/XXXX at XXXX. Exeter finance still reported my account as late to the credit bureau. All the conversations were recorded. This company cheats its customers. Their goal is to cheat and ruin peoples credit. They have incorrectly reported on my credit and my score has taken a hit. Please investigate them and put them out of business if possible.
Product: Debt collection

I have valid Health Insurance include family covered under my insurance. My spouse went to Local XXXX XXXX for routine blood work get done as script written by Doctor on XXXX/XXXX/XXXX and done successfully. but later we received bill from XXXX collection agency for amount of {$550.00} and found that Insurance company denied claim based on wrong diagnosis code. So I called them and made conference call between XXXX, Doctor 's Office and Us to change diagnosis code in order pay by Insurance company, since then XXXX submit claim again with same diagnosis code and Insurance company denied claim again and we received XXXX collection Notice again then I contact again but diagnostic code must be change from doctor office nothing my part to do something that insurance co. make payment. As per our Health Insurance company Lab service is 100 % covered and XXXX is Preferred Provider on Insurance book. Recently I got called on my cell phone on XXXX XXXX, XXXX from another collection agency named AMCA ( American Medical Collection agency ) even I did not receive any notice in the mail when they call me on my cell and ask for My spouse laboratory bill in amount of {$550.00} You ( I am ) responsible because Insurance contract on my name and my spouse covered under my insurence. after long discussion representative transfer to supervisor and he told like this " If you did not pay this amount we will report to Credit Reporting Agency. '' even debt is on spouse name, thus I am victim of debt and supervisor said Insurance is under your name. After the end of conversation I called my Insurance company and explain situation and matter then Insurance representative called doctor office, XXXX while put me on hold. finally root cause of problem that something must be done through doctor 's office in order to pay this bill and as of now may under processing. I told to insurence representative that I received phone call from collection agency ( AMCA ) then she called AMCA and talked to collection representative. so conclusion is why I am responsible when medical debt is another member in family and they threatened me to report on my credit file something I did not did wrong. Please investigate this matter and find who is at fault make steep punishment!
Product: Checking or savings account

On Friday XX/XX/XXXX Chase cancelled a wired transfer because the recipient information had been changed and they were suspicious it was fraud. 

I checked the recipients info and confirmed it had been changed and therefore suspected that someone had accessed my online banking. 

I changed my username and password to access my online banking and assumed that would be the end of the issue. 

On Tuesday XX/XX/XXXX I did not receive a deposit from Chase XXXX XXXX for our credit card transactions from the weekend. I called Chase XXXX XXXX and they confirmed that the deposit had been made to a bank account. I asked them what bank account the funds were deposited into, and they confirmed it was not my bank account. They did not investigate but said this probably happened online and that someone was able to change the checking account associated with the XXXX XXXX account. I am the only person with access to these accounts and was not asked for permission to change the checking account or even notified this had happened. 

When I changed the log in and password to my online banking again on Tuesday I saw that Chase had allowed the hackers to add their phone number to my account thereby making it impossible for me to secure the account. Again without getting my permission or informing me this had happened. 

Even though Chase has the phone number and bank account info of the criminals, they refuse to investigate or refund the {$3200.00} they took from me and gave to the hackers ( settlements on XX/XX/XXXX for {$2100.00} and XX/XX/XXXX for {$1000.00} ). 

Per the Federal Reserve Regulation E : Electronic Fund Transfers 12 CFR 205 Section 205.6 the limits of a consumers liability for unauthorized electronic fund transfers is {$50.00}.
Product: Money transfer, virtual currency, or money service

I found a Venmo payment from bank account. I never used the app or approved the transfer but someone used my bank account number and transfered the money out. 
I heard from bank it takes the check account and routing number which are very visible on the checks. I had to close the account.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting on my credit reports a collections account that is not mine I never opened credit cards with XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I purchased a XXXX XXXX XXXX. I have been paying & XXXX per month for 8 year on the vehicle totaling ( {$66000.00} plus interest ) through a lender called XXXX. 
Dispute requesting assistance from this company to lower my high interest rate so that I could afford to make these payments, the company refused my offer for assistance. 
I was forced to surrender the vehicle in XX/XX/XXXX. XXXX states that I still owe them {$13000.00} more dollars and have place a collection on my credit account which has negatively affected my credit score and future opportunities to acquire credit.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to file a formal complaint against Experian regarding their handling of my dispute related to identity theft and a fraudulent account reported on my credit report. 

On XX/XX/XXXX, I reported to Experian that an account from XXXX  XXXX XXXX was incorrectly listed under my name, and that this account was opened fraudulently without my authorization. The account was created under the status of an 'authorized user ' using my personal information, which I did not consent to. I specifically stated that I do not have any account with XXXX  XXXX XXXX and requested Experian to investigate this as a case of identity theft. 

However, Experian declined to dispute the account. I then submitted another dispute request on XX/XX/XXXX, followed by another request on XX/XX/XXXX. Each time, Experian denied my request to remove or dispute this false account. 

I have provided Experian with a police report verifying that I am a victim of identity theft and have repeatedly asked them to provide the full XXXX  XXXX XXXX account number listed on my credit report. Despite these requests, Experian has refused to provide the full account number, citing that they can not see the complete number on their end. I find this particularly troubling, as Experian has made the determination that this is my account without being able to access all relevant information. Furthermore, XXXX  XXXX XXXX has confirmed that there is no account associated with my personal information or Social Security number in their records. 

Additionally, I have verified that this fraudulent account does not appear on my credit reports from XXXX or XXXX, further indicating that this is an error or fraud that Experian is mishandling. 

Experian 's repeated denials of my dispute requests and their failure to provide full account details are causing me undue stress and harm, as this fraudulent account continues to appear on my credit report. I am concerned that Experian is not properly investigating this case or adhering to the procedures necessary to protect my rights as a consumer. 

I am requesting your assistance in investigating this matter and ensuring that Experian properly disputes the fraudulent account, removes it from my credit report, and provides me with the information necessary to further address this issue with XXXX  XXXX XXXX. 

Thank you for your attention to this matter. I look forward to your support in resolving this issue. Here is the latest declined dispute report with Experian for your reference # XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX TX XXXX XXXX XXXX XXXX
Product: Student loan

Navient, then XXXX, essentially give me no assistance. They expect me to XXXX out over $ XXXX in student loan payments. This does not include the other loan payments from other entities. The amount of loan payments per month is more than full rent, and nearly implausible to pay. Upon asking for income based repayment, I 'm told I 'm not eligible anymore. If I ask for any other assistance, I 'm told I have no options. I accepted these loans via financial aid in XXXX, which in itself is a scam of a school. I believe they are also under federal investigation. My life is nothing but student loan debt and the sheer amount of debt in just this is crippling. I am barely making ends meet when I have a XXXX salary. This should NOT be how people live.