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

Despite the multiple complaints I submitted to the XXXX Credit Bureaus, my request for proper verification and correction of the erroneous information on my credit reports has been neglected. The last complaint I submitted to XXXX, Equifax, and XXXX Credit Bureaus was XX/XX/2022, but no Response was ever received from them. I have reviewed a copy of my updated credit reports and it is clear that the Credit Bureaus have ignored my requests. Their willful non-compliance has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still erroneously reporting on my credit report and I am hoping that you may be able to help me have these accounts corrected as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The TransUnion Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : Late Close : XXXX {$0.00} Charge Off : XXXX XXXX XXXXXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

1-Major Financial Corporation XX/XX/XXXX 2.US Small Business admin oda XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX I checked my personal credit report, and I noticed an unauthorized inquiry had been made. 
I contacted XXXX, and asked them to remove their credit inquiry from my credit profile. 
I request that you initiate an investigation into the inquiry listed below on my credit report to determine who authorized the inquiry. If, once your investigation is complete, you find my allegation to be true, please remove the unauthorized inquiry and send me an updated copy of my credit report at the address listed above. If you find the inquiry referenced above to be valid, please send me a description of the procedures used in your investigation within 15 business
Product: Vehicle loan or lease

XXXX XXXX XXXX Last reported XX/XX/XXXX {$9600.00} Open balance XXXX XXXX XXXX Original creditor Opened XX/XX/XXXX ( XXXX yrs, XXXX mos ) Account status Open
Product: Student loan

I have a school loan from my school that was sold to a collection agency by the name of Eastern Revenue Inc. of XXXX, Pennsylvania. ( ERI hereinafter ). XXXX has contacted me, constantly harassed me and threatened me numerous times regarding a balance that I am unable to pay and have advised them of such. XXXX has gone so far as to attempt to obtain information regarding my children 's bank accounts, social security numbers and other private information. This company has used guerrilla tactics to constantly bully and harass me continuously, and has affected my personal credit, physical and mental health in addition to permanently affecting my marriage. They have called my home, job and family members non-stop and it is very troubling. They have continuously threatened to hold my transcripts and degree XXXX and advised me that I would never see them ever. No company should ever have the ability to treat anyone this way. It has literally caused me serious harm in all facets of my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/2019 two hard inquiries were placed by Capital One Auto Finance ( Coaf Finance ), I hard bought a car from XXXX and the company mentioned to me that I will only have one inquiry from my auto loan bank not two. But capital has two hard inquiry for one car that i bought through them. As a XXXX  XXXX  of XXXX  I am just getting started into the business  world and with bad hard inquiries that cant be resolved on my credit report it will be very difficult for me to be able to fix my score and get a chance to someday start my own business.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized and Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX RE : Unauthorized and Fraudulent Inquiries To Whom It May Concern, I am writing to inform you that you are unlawfully reporting fraudulent inquiries on my consumer report that I did not initiate, as required by law.

Under 15 U.S.C. 1681b ( c ), a consumer reporting agency shall not furnish a record of inquiry in connection with a credit or insurance transaction not initiated by a consumer, except as provided in 15 U.S.C. 1681c. 
The following inquiries are a result of identity theft and were not initiated by me. I demand that they be deleted immediately : Experian Hard Inquiries Done XX/XX/XXXX Reference # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 My identity has been stolen, and I am hereby putting you on notice. 
Under 18 U.S.C. 1028 ( a ) ( 1 ), a person who knowingly transfers possesses, or uses, without lawful authority, a means of identification of another person shall be sentenced to a term of imprisonment of XXXX years. My identity has been used without my permission to open several accounts that have damaged my reputation and my ability to live my life. 
Furthermore, you, [ Credit Reporting Agency Name ], have committed fraud by not verifying these accounts. As stated in 15 U.S.C. 1681b ( b ) ( 1 ), a consumer reporting agency may furnish a consumer report only by the written instructions of the consumer to whom it relates.

15 U.S.C. 1681 emphasizes the need for consumer reporting agencies to exercise their responsibilities with fairness, impartiality, and respect for consumers ' rights to privacy. The information you are reporting is inaccurate and has been obtained through identity theft.

I request that you immediately investigate these unauthorized inquiries and remove them from my consumer report. I also request that you take steps to prevent future unauthorized access to my personal information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XX/XX/XXXX, I found an online promotion from TD Bank, NA that promised a promotional credit for opening a new primary checking account on line. I followed all the prompts to open the account, but was presented with a message saying that I must visit one of their branches to complete the process. The next day, I went to the TD Bank office on XXXX XXXX, XXXX, MA. I spoke to a manager and someone who said he was a regional branch manger. I explained my online experience and made it clear to them that I would only open the account if I were to receive the promotional credit. Both told me I would receive the promotional credit upon completion of the opening process, and a 90 day waiting period, even though I was not able to complete the process online. I opened the account, had my pension check designated for direct deposit, and opened a credit card and a money market account. After 90 days, I went to the branch and asked for my promotional credit. I was told that was a separate department and that they would speak to that department on my behalf and give me a call. I heard nothing after 30 days, so I went back to the branch only to be told the same thing. I waited another 60 days with still no reply. I went back to the branch and asked why they were not following through with their promises of customer service. I was then told that the promotional department had denied my request for a credit. You can image how this made me feel. I am now reaching out to the CFPB for help. I can only image that this same experience is being repeated across the country. It is a shame for this large bank to be praying on senior citizens in this way. Please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

UNAUTHORIZED INQUIRIES LISTED ON MY CREDIT PROFILE THAT DOES NOT BELONG.
Product: Payday loan, title loan, or personal loan

Republic Finance representative who identified himself as XXXX the manager of Republic Finance located on XXXX XXXX in XXXX Georgia admitted he withdrew money from my account without permission. But he refuses to return it and the fee the bank charged me for paying the ACH transaction of XXXX on XX/XX/2020, without my permission.
Product: Credit reporting or other personal consumer reports

I knew the economy was tough, but after reviewing my credit report, it's painfully obvious which one is in worse shapemy report is full of inaccuracies, and the stress its causing is overwhelming. As a consumer, I have rights that I intend to uphold, but dealing with this situation is incredibly disheartening. What makes it even worse is that the financial toll of these errors is so severe I wouldnt even be able to afford a therapist for the stress, since my cards are likely to get declined with my credit score dragged down by all this false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # 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 I Asked the Credit Bureaus to do a verification of everything on my credit report and they did they said everything on it is accurate on my credit report they stated it was accurate after they did there own investigation I Did a thorough research my self and I found out improper inaccurates on my credit report even after they did there research on this account thank you company name : XXXX account : XXXX XXXX # : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been 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.
Product: Debt collection

My name was used for fraud and scams that I was unaware of I reported the theft of my information and was rewarded with a debt that was not mine I sent these letters to the company and no removal which leads me to contact your agency
Product: Student loan

Hello, I reached out to Mohela on XX/XX/XXXX to inquire about the status of my PSLF. It has been well over 90 days since I submitted my application from XX/XX/XXXX so there should be an update. On XX/XX/XXXX, I saw this status update : XX/XX/XXXX Duplicate Form A duplicate application was processed as Canceled. 

I immediately called on XX/XX/XXXX to inquire about what the duplication application cancelled status was about. I stressed to the representative that I have thoroughly checked my application over a dozen times and there was no duplicate application. I stated that everything is dated from my years of employment XXXX - present. She informed me I was correct and there is no duplicate application and she is unsure why that was written. She also informed me my XXXX were processed XX/XX/XXXX and she confirmed she will write a note in my account. When I logged back on Mohela, I see another status update : XX/XX/XXXX Received in Process Please allow up to XXXX business days for processing. A notice will be sent upon completion. 

I message Mohela to follow up, requesting clarification. Am I to understand that I have to wait another 90 days before I get another update regarding my PSLF status? I don't understand how I have to wait about 6 months now to get an update on my PSLF when there was no error from my end. I asked for this confirmation in writing.
Product: Credit reporting or other personal consumer reports

I sent out dispute letter to all XXXX credit bureaus on XX/XX/year>. These original creditors have inaccurate information on my credit report and have failed to respond within the 30-45 day requirement.
Product: Debt collection

XXXX XXXX I had issues with XXXX XXXX when I transferred to XXXX it took XXXX over 3 months. XXXX XXXX gave XXXX the run around with the finale bill. I sent XXXX several times US REG Mail to the issues. They had already put the account on my credit file before they settle the finale bill with XXXX. 
I also called them over 120 times to this situation that was going on. 
I mail them REG US Mail and then some one call back said it was being sent up to a higher department with no results to the issue and they never resolved the issue and I kept calling them with no results always some one is  working on the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.
Product: Consumer Loan

I terminated the lease on my vehicle ( a XXXX Nissan Sentra leased through Nissan Motor Acceptance Corp ) on XXXX/XXXX/15 when I purchased a new vehicle. I understood that I would have to pay all payments up to my contracted date. I signed the odometer statement and left my vehicle at a non Nissan dealership. My sales person informed me that I was all set, gave me an approximate number of how much I owed NMAC since he had called them to find out, and informed me to call the finance company on Monday to confirm this amount and to pay it off. I was also informed that I had to give my plates back to the DMV, and promptly mailed them back to the DMV later that week. On XXXX/XXXX/15 I called to confirm the amount of payments I owed to the finance company to pay the lease off, which i had estimated to be approximately {$700.00} or so. This is when I found out about a disposition fee that was never mentioned to me in the car buying process. I attempted to make a few calls to get this waived but was unable to get this fee waived. On XXXX/XXXX/15 I made a payment of {$740.00} to the finance company for the remainder of my contracted payments. I was told that in 4-6 weeks I would get a final statement with the disposition fee and any other charges I may have incurred. I started to get concerned XX/XX/XXXX when I had not received any mail from NMAC, so I had decided to contact them on XXXX/XXXX/15. They claimed to have not received my odometer statement. I promptly called the dealership I dropped the car off and asked that they resend the odometer statement to NMAC. I called NMAC back on XXXX/XXXX/15 to confirm that they had received the statement and was informed that they received it on XXXX/XXXX/15, but that my car had not been grounded. The dealership informed me that they had contacted NMAC to pick up my vehicle but they had yet to do so. NMAC denied getting word from the dealership that my car was waiting to be picked up. It is now XXXX/XXXX/15 and my car has yet to be picked up or have a set date to be picked up. Earlier this week I asked to be sent a signed copy of my lease contract, which I was informed that I would receive in 24 hours. I have yet to receive a copy of my signed contract. I have made all my payments except for the disposition fee and at this point feel as though I should not have to pay a disposition fee to NMAC. This process should not be that difficult and I have had to call them and confirm multiple steps of the process have been completed wasting my valuable time. I am unhappy with the service.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$600.00} XXXX XXXX XXXX Reported : XXXX XXXX, 2021 {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, 2021 {$510.00} file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings I challenge the accuracy, compliance and reportability of these listings. 

There are no contracts, no valid claim ... accounts were settled with original creditors, never late or went into collections Grave errorsfalse claims and reportingI want these accounts removed immediately or litigation may followthis is unlawfuldebts can not be collected twice Please validate this information and provide me with copies of any documentation associated with these accounts, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. 
Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. 
You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 
Please be advised this is against F.C.R.A. law and is a violation of my rights.. 

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud3. ) Violations of the Fair Credit Reporting Act
Product: Debt collection

XXXX Arbor Solutions XXXX XXXX  reported 4 accounts to the credit bureaus without notifying me in writing or giving me the opportunity to dispute the debt. 
I have two insurances and XXXX failed to bill both insurances. I submitted my information to them on several occasions. I contacted promedica and they are finally billing both insurances at this time after they send my account to collections in error. 
I contacted XXXX XXXX credit bureau to tell them this and the representative responded by saying " I am sorry you feel this way ''. I also told them that I never received anything in writing from them and that they were obligated to give me an opportunity to dispute the debt as well as validate it. Their response was they couldn't help it that the United States Postal Service dont reliever mail correctly, which is untrue, they never mailed anything. 
This company reported illegally against my credit file being that they never validated this account or gave me an opportunity to dispute it
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023 I mailed a certified letter to Navy Federal. The certified letter was picked up on XX/XX/2023 at XXXXXXXX XXXX the tracking number ( XXXX XXXX XXXX XXXX XXXX ). I informed them about the inaccurate being reported. It's the same account being reported two times on my consumer report. I have asked them to investigate, correct and delete the inaccurate accounts. Navy Federal continue to send the information back as verified. I sent them copies of my XXXX consumer reports showing they are the same account. I asked them to send contracts I signed with my signature, I have not received any correspondence from them. I called Navy Federal about this problem and was told to dispute it with the Consumer agencies. I told them they have to correct the information first. I could not get any help from them. I asked for the PROCEDURE how they investigated, I want the opt- out disclosures. I requested all correspondence be mailed to my address. Navy Federal has not sent me any correspondence. The two accounts have a balance of {$9300.00}, same open date XXXX XXXX acct # XXXX and acct XXXX XXXX These accounts are not being verified some need to be held accountable for not correcting the information. Other accounts XXXX opened XXXX for {$8300.00} and account # XXXX opened XXXX for {$6400.00} being reported as charge off. Delete these accounts. Charge off are not to be included on your consumer report.
Product: Checking or savings account

I did not open any bank account with Bank of America. However, I received a statement from them saying that I have a checking account with them. I contact the bank several times but their customer service wait time is long and when an agent picked up, he hung up on me or the connection was lost. I am not sure. I went to the bank to report that I never opened the account and that there must be an ID theft. They still sending me statement and charge me the maintenance fee. They also sent me a letter require me to give them my ID and social security #. I have no business with them and I dont want to give them my information. Why didnt they require those information when they open the XXXX account but require that when I want to close the account? Stupid bank. I dealt with other bank for the same issue, and they resolved it in seconds.
Product: Credit reporting or other personal consumer reports

i submitted a total of 3 disputes with Equifax to investigate about a hard credit pull inquiry in my credit report that i did not authorize because that credit pull came from an identity theft incident i had. i was notified that my driver license account was accessed and my information was changed, so i had to block my account and be issued a new driver 's license. then i filed a police report as well as the FDC identity theft report. i submitted these two documents to Equifax in my dispute. but every time they come back with the result stating that the credit pull was valid and will stay in my credit report for 2 years. i even did a freeze on my credit report with them and a fraud alert as well. what more could i do to prove that i was a viction of identity theft? they did not investigate properly and rejected my dispute less than 24hr as if it was an automated process. so now i am filing a complaint about Equifax and their dispute investigation into my issue.