23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have a collection account on my credit report from Portfolio Recov Assoc in the amount {$1800.00}. This is a fraudulent account or ID theft created. I have disputed the account with XXXX and XXXX and requested a copy of the validation and verification report from the credit bureaus and the collection agency. 
I sent a certified letter to Portfolio Recov Assoc ( see attach ) and they have ignored and the credit bureaus not helping. 
This is a fraudulent account and I would like it removed from my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed unauthorized credit inquired on my credit report. Someone had to applied for something in my name. 

Ive sent several disputes to remove the fraudulent hard inquiries. 

Due to fair credit reporting act, these unverified and unauthorized accounts are not related to me : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

Citibank changed my account from a no-fee account to a fee account. 
There's no way to close the account online and there's no form or instructions to do it any way except the website says I have to call XXXX I called that number and was asked to enter account number ( fine ), social security # ( fine ) and enter debit card #. This is an online savings account and I have no debit card. 

After a lot of struggle I was able to talk to an operator who asked who asked for all the same things plus my " secret word '' which is my mother 's maiden name. I provided my mother 's maiden name but that's not the secret question I had recorded - so not sure why he asked for that. 

Then he told me I didn't pass the security questions and he couldn't help me.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 Received email from PayPal that PayPal authorized purchase in amount of {$9000.00} to merchant from XXXX XXXX account I did not authorize this transaction nor have any knowledge of how this event came to take place I can not get resolution from PayPal on how this happened, and worse, can not remove access to my XXXX XXXX account
Product: Credit card

After purchasing an item on XXXX on XXXX/XXXX/15, I clicked on the " Go To XXXX '' link. Instead of then being allowed to choose my payment option as had always been the case previously -- including twice the very day before -- my XXXX XXXX was charged WITHOUT MY AUTHORIZATION. Upon realizing what had just happened I tried for appx XXXX hour to void the transaction and pay by my usual method, to no avail. I then tried to contact the seller but he was away and by the time I received a response his assistant had already shipped item. XXXX and PayPal customer service, when finally reached, were, not surprisingly, no help whatsoever. Not wanting to alienate the seller after the item had already shipped, I sent a second payment through PayPal on my regular credit card, and then disputed the original unauthorized charge. Charge was temporarily removed pending the investigation, whereupon I was asked to submit documents, which I did, faxing conclusive proof that the seller had been paid as I had originally intended, but the unauthorized charge was reinstated anyway, despite the seller now having been paid XXXX. Countless attempts to deal with the company directly have gone absolutely nowhere.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Section 602 ( a ), Congress mandates that consumer reporting agencies ( such as XXXX and XXXX ) fulfill their roles with " fairness, impartiality, and respect for the consumer 's right to privacy. '' As a consumer, I have a legal right to ensure my private information remains confidential. In support of this, 15 U.S.C. 6801 specifies that every financial institution is obligated to uphold the security and confidentiality of its clients ' nonpublic personal information.

Per 15 U.S.C. 1681 Section 604 ( a ) ( 2 ), consumer reporting agencies may only disclose a consumer report with the written consent of the consumer. Neither XXXX, XXXX, nor any data furnishers have my explicit consent to share my information, whether the consent is written, implied, verbal, or otherwise ; therefore, any previously assumed consent is now formally revoked. Moreover, 15 U.S.C. 6802 ( b ) ( c ) asserts that no financial institution may disclose nonpublic personal information to third parties without providing the consumer a clear option to opt-outa right which I have not been informed of, nor have I been given the opportunity to exercise this option.

Furthermore, under 15 U.S.C. 1681c ( a ) ( 5 ), it is prohibited for any consumer reporting agency to report adverse information older than seven years, except for criminal convictions. Reporting any adverse information that does not meet these criteria, particularly without my authorization, is a violation of federal law. Additionally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) ( A ) holds that a person must not furnish information to a consumer reporting agency if they know, or should reasonably know, the information is inaccurate.

Under these protections and regulations, including 12 CFR 1016.7, I am formally exercising my right to opt-out of all reporting services and any further disclosure of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

YOUR COMPLAINT Im filing this complaint against XXXX trans union and XXXX credit reporting agencies. All three bureaus. I have tried reaching out to all three credit reporting agencies / bureaus about the inaccuracies, incorrect information Problems with company investigation pass 30-90 days passed. wrong information such as old address keep reappearing, identity theft fraud error, wrong employers, email address, public information on my credit report and criminal back, late payment history passed 7 years or more and about fraud and identity theft and alike. Wrong name and social security numbers, reporting the same information 8 times to my credit reporting. Since XXXX XXXX XX/XX/2020 XXXX XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020. I have enclosed evidence of debts not mine and evidence of fraud and someone forging my signature on documents and all 3 credit bureaus has updated my credit profile with information that didnt come from me nor the creditors and I have written them several of times asking them to remove all emails that is linked to my credit profile through all third parties companies that does alerts and monitor my credit to my credit profile to stop the fraud. Street address thats 5-30 years old and someone has been repeatedly running my credit without my permission. All 3 bureaus has ignore to investigate, communicate me back to me with a veritable Petson that works at the disputing department to fix the situation.. They have lowered my credit score for no reason. They are in violation of the FRCA and they are violating my constitution rights and hurting my credit reputation. Injury and crippling me in major ways as a consumer. They fail to respond to any and all of my complaints. I will send all evidence once someone reach out to me via phone XXXX please. I need to make sure that the person that is writing letters are real and work with the 3 credit bureaus please
Product: Mortgage

I have been dealing with my mortgage company, XXXX XXXX since they bought my mortgage in XX/XX/XXXX. They are supposed to take care of my property taxes. My property taxes are $ XXXX/year after residential exemption. However, they keep charging me {$2700.00} per year. I have contacted them via phone and FAX to ask them to reduce property tax withdrawals from my account to their escrow account, however, they simply ignore my request. Right now, I have {$1800.00} in my escrow even though I do n't owe any taxes for XX/XX/XXXX! And, XXXX XXXX ignores my request to return this money to me.
Product: Vehicle loan or lease

In XX/XX/XXXX, I purchased a used XXXX XXXX XXXX from US Auto Sales. I also purchased a service contract warranty. The car had significant failures and hidden damages that started to surface within a couple weeks. I contacted US Auto on several occasions to set up repairs and they refused to return my calls. I attempted to make repairs and that is when the warranty company told me US Auto Sales defaulted on their payments and they would no longer be covering warranties. US Auto charged me for a service I can not use and they sold me a lemon based on N.C. Lemon laws. Im requesting compensation, cancel of the loan and I turn over the vehicle, or payment for all repairs.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans have always been deferred and I have never had to make a payment because of my income. I have always sent my paperwork in on time but they have reported to all 3 credit bureaus that I was 120 late in XX/XX/XXXX and XX/XX/XXXX for the exact same months. Other than that they have been in good standing and are now consolidated but the delinquency to no fault of my own is hurting my credit.I need to know why anything was done retroactive when paperwork was sent in correctly and on time. I want to know from the beginning of XXXX taking over from XXXX XXXX when my loans were actually due each year for renewal of deferment etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 3 accounts that have been fully paid off and i keep getting the run around. they jeep telling me it reports on the next billing cycle. they have been paid off for over a month now in full. i have contacted the companys several times and there have been no positive reporting witch is pulling down my credit. none of my reports are matching up XXXX never matches XXXX XXXX, so my scores are less when i should be over 6 on both my reports. its exstreamly fustrating especially when things are paid on time.
Product: Debt collection

This debt is from XXXX XXXX I have never lived there. When I asked for proof of vaildation they ( Plusfour ) sent me a something that looks like it was written up on a spread sheet and some items on it was blacked out, while others were highlighted. When I tried to call to speak to a representative they told me they couldn't speak to me that they didn't have a license to collect debt in North Carolina. They told me that they had to send this to their sister company in South Carolina. When I sent a certified letter to them asking for proof my letter was returned to unknown sender. This has been on my credit report for a while and I have bee trying to get to the bottom of this to no avail. I purchased a car in XXXX last year and this has hindered my rate on my car purchase. First they told me the balance was XXXX and now its reporting XXXX, If I'm not mistaken I do believe they are violating state and federal laws by trying to collect more than what is owed according to information I have found on the website.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending you this complaint to let you know that I was a victim of identity theft. A sizable amount of illegal inquiries as well as some inaccurate information reporting can be seen on my credit report. I am aware that my identity has been stolen. I formally reported this to the FTC with XXXX XXXX XXXX as a result. I have incorporated that report into this complaint in compliance with the guidelines of FCRA Section 605B ( 15 U.S.C. 1681c-2 ). To accordance with the law, kindly remove these entries from my credit report as soon as feasible ( i.e., 4 days ). Let me know if you need anything else, please. Please take the following items away : 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 XXXXXX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all non-account holding inquries over 30 days old. Also, please add a promotional suppression to my credit file XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$500.00} XXXX XXXX XXXX XX/XX/XXXX -- {$1900.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XX/XX/XXXX TransUnion
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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
Product: Debt collection

Greetings, I Partnered into a contract with XXXX XXXX for cellular service, and at the time, they should coverage respectively, for my region in which service was required. I had several occasions being a business owner where my calls were never sent to me for the ability to answer and due to this my company suffered financial hardship. I reached out to them to correct this issue several times, and was unsuccessful. I discontinued service with them and refused to pay, as they breached their own contract. Now they are affecting my credit report and making this a challenge for my family and I to purchase our new home. Thank you for all help that you can provide.
Product: Debt collection

To Whom It May Concern, I am submitting this complaint about XXXX XXXX Account # XXXX. This depth disputed by me several times with different collection agency. This account does not belong to me. Every time I challenged collection agent name change and stick to my credit report at Experian. Also, Experian and XXXX violated federal law. They misleading and inaccurate information. In Experian credit report show this account open XXXX. And also XXXX account shows charge off account. Every time I dispute this depth, it shows that month payment miss payment. If this Account opened in XXXX and went to collections several times, how can it show XXXX and XXXX XXXX indicates none payment? If this XXXX account, utility depth, It can not show as a revolving credit card depth. In my Experian Credit report, shows as revolving depth and reflecting in my credit report as a current date and month none payment. Also, XXXX account indicated closed on my report. This is wrong and unlawful. This affects my XXXX XXXX. This does not fare me as a consumer. Also, This XXXX account disputed several times with different collection agent. They do not provide me any evidence that this account belongs to me. I do not own or have XXXX account. This depth is misleading my credit report. Also, Experian Credit agency shows misleading and inaccurate information.
Product: Student loan

I feel that I am possibly being cheated by my private student loan lenders, Navient and XXXX XXXX XXXX. I have 5 student loans with Navient from my XXXX and XXXX  degrees. The total amount I took out with the company was {$87000.00}, and I have so far paid back {$48000.00}, but I currently owe {$130000.00}. I have 2 student loans with XXXX XXXX XXXX from my XXXX degree. The total amount I took out with the company was {$40000.00}, and I have so far paid back {$28000.00}, and I currently owe {$38000.00}. 

I have never been late on any of my payments, and I have tried to negotiate with Navient to help me make the monthly payments, but they just keep suggesting that I extend the lifetime of the loans and remain on interest only payments. I also believe that the interest rates on at least 3 of the Navient loans are excessive and possibly illegal in my home state of Pennsylvania, where the legal rate of interest is 6 %. The three loans I am concerned about have interest rates of 9.63 %, 10.88 %, and 11.63 %. Finally, another key issue of concern is the fact that I never took out loans with Navient, but with Sallie Mae and they sold them to Navient without my permission. Attached, please find a summary of information related to each of the individual loans. 

I should note that I was in full time education from XX/XX/XXXX- XX/XX/XXXXat  XXXX University ( XXXX XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX XXXX ), XX/XX/XXXX-XX/XX/XXXXat  University XXXX XXXX ( XXXX XXXX ) and XX/XX/XXXX-XX/XX/XXXXat University XXXX XXXX ( XXXX  ).
Product: Credit card or prepaid card

XX/XX/2023 Wellsfargo and XXXX XXXX someone tried to open up an account fraudulently.
Product: Credit reporting or other personal consumer reports

I contacted Experian XX/XX/XXXX about a despite for and account that should have been closed since its been seven years and it should have fallen off my credit this year. Then I checked and its saying XXXX. The account was opened in XX/XX/XXXX. Statute of limitations states credit card debt is supposed to fall off your credit after 5 years in Illinois. its been 7 and I dont agree with Experian not removing it.
Product: Debt collection

I received notice on my credit monitoring site that ERC was collecting a debt that I was never notified about. I contacted them and they told me they did not have to send me anything letting me know that are collecting a debt. I told them I was under the impression that it was mandatory they send me something within 30 days of purchasing or receiving the debt and they said that is not true that they didn't have to do anything. This did not seem right I wasn't notified and had no idea about this until my credit monitoring site sent me an alert.
Product: Debt collection

I received notice from credit karma that a collection account was place on my credit. I have tried to contact the company Plaza Services LLC, via phone, and email with no response. When you call the number you are put on hold, they tell you what number you are in line then all you get is " this is XXXX please leave a message ''. I have called multiple times with no return call or email. I have dealt with this company before and they never would speak to me, then they turned my account over to an attorney during the covid lock down and I had a judgement and garnishment, even after trying to work out payment arrangements with the attorney. I can not afford to have a garnishment again. I want to pay my debt but can not reach a soul or get any kind of response.
Product: Debt collection

I have submitted letters in XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX PROCOLLECT INC has yet to show anything bearing my signature showing I signed and agreed to pay them anything.
Product: Student loan

I XXXX  from XXXX XXXX XXXX in XXXX. I have applied for a Borrower Defense to Repayment for loan forgiveness. Currently I have not heard anything regarding the status of this loan forgiveness application. I have also emailed Navient requesting their Navient school misconduct discharge application XX/XX/XXXX with no response from them.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my consumer report and noticed this fraudulent charge. 

Please remove fraudulent account from my credit report, the inaccurate information hurting my ability to obtain credit.
Product: Mortgage

on XX/XX/2021 payment was made online using my routing number and checking number saved in their system. 
on XX/XX/2021 did the same online payment and they say the bank rejected it because of the account number. I just checked and it is now wrong!! it wasn't wrong last month..!! they added an extra number in my account number making it WRONG. 
The only way to get hold of them is a XXXX number that says the call can not be completed at this time. No email address... 
Caliber Home Loans , Inc . 
XXXX XXXX XXXX XXXX, TX XXXX XXXX
Product: Checking or savings account

I was a member of Simple Bank since XXXX. On Saturday, XX/XX/XXXX, Simple Bank was migrated into BBVA America bank. Since XX/XX/XXXX, I have been unable to access my new BBVA account, create a BBVA account login, speak to a representative ( after emailing, tweeting, and calling over 10 times and waiting on hold for hours ), get access to my previous Simple account, and transfer my money.

Im also unable to check that deposits and transfers are successfully entering/leaving my account. And Im supposed to buy my partner an engagement ring, but since all of my money is tied up in this account to which I do not have access, I cant pay the jeweler. 

I am very worried that all my savings and money are gone, and BBVA has been avoidant and silent in its communication with me.
Product: Credit card

The following inquiries were not authorized by me, please delete them. Never having given my permission for them to inquire about my credit status, they are unauthorized by me. Their continued presence on my credit report constitutes inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Furthermore, I would appreciate the names, addresses, and phone numbers of these companies so I may follow up. 

Your immediate attention to is matter is greatly appreciated.
Product: Debt collection

Comenity Bank calls, on average, 9-12 times per day regarding a debt I owe to them, I have discussed my ability to pay this debt and make payments when I can. I have also told them I do not want or require phone calls regarding this debt. They call from numerous phone numbers so as to thwart my ability to block them. Today ( XXXX2023 ) alone, they have called me nine ( 9 ) times. The earliest call was at XXXX.
Product: Debt collection

It has been reported to the credit bureau which should n't be, because I had insurance at the time with XXXX and XXXX XXXX XXXX XXXX.