23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Portfolio Recovery calls from a different number every time. No message on a new number. We do not know if it is for us or an old owner of this number. They call at least XXXX times daily. We can not even use our phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as XXXX XXXX XXXX XXXX XXXX XXXX and XXXX   XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX XXXX. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
Product: Credit card or prepaid card

I have a loan with NAVY FEDERAL CREDIT UNION. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and NAVY FEDERAL CREDIT UNION with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/2017.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have requested to opt out of reporting per 15 USC 6802 which was sent to Equifax, XXXX and XXXX. I sent these documents registered, Certified and express mail. Second notices were sent in XXXX then contract Demand letter sent on XX/XX/XXXX. All credit bureaus are in violation of 15 USC 6802, The privacy act of 1974, 5 USC 522A, 34 cfr 99, 20 USC 1232 G ( per previous student loans that were paid in full reporting ), 15 USC 1681 etc. All credit bureaus have no respect for the law or my rights and has been in violation for many months. The have failed to validate all debt report. provide contracts or documentation requested, respond and pay for reporting per my demand notice, Purge all accounts from my report Except for XXXX account. There is proof that my letters, Request and demands have been received and the credit reporting agencies are ignoring my demands and rights as a consumer.
Product: Credit card or prepaid card

I applied for a XXXX XXXX XXXX select credit card from Citi when I was purchasing an airline ticket. The offer said if you apply online right now and get the card they will reduce the price of each ticket by {$100.00} immediately and give me 40000 miles after i purchased {$3000.00} on the card in three month The tickets cost me {$740.00} and I was to get a {$200.00} refund. I was immediately approved and charged the full amount. I was told I would get a {$200.00} credit on my bill. I never got the credit. I called on XX/XX/XXXX and was told I was turned down for the offer because I had previously had this card which I had canceled. but my card was approved and they charged it the full amount. They said I had to wait 24 months before I could reapply for this offer. I asked why they didn't tell me this up front because I would not have opened the card. They said well you'll get a lot of other great offers - none of which I want. They should have just declined me the card and not charged the tickets or at least given me the option to continue on and use the card without the promotion, which I would not have done. When I called they basically said sorry and I have since cancelled the card
Product: Checking or savings account

An account was opened in my name and I didnt give any one permission to do so I was informed by the irs that my funds have been being sent to an account that I didnt open I just want what belongs to me
Product: Credit reporting, credit repair services, or other personal consumer reports

I received forgiveness of debt letter from XXXX XXXX XXXX dated XX/XX/XXXX, stating that they forgave the amount I owed. This account, XXXX XXXX  XXXX  Account # XXXX, was already reported paid in XXXX. Under the Fair Credit Reporting Act, I have the right to dispute this inaccurate information under my account. In accordance with 15 U.S.C. 1681i Section 611 ( a ) ( 1 ) ( A ) ( g ), the completeness or accuracy of any information item in a consumers file must be accurate and complete. As mandated in 15 U.S.C. 1681i Procedure in case of disputed accuracy, the furnisher should only publish accurately and verified information.
Product: Checking or savings account

On the week of XX/XX/XXXX I made a deposit consisting of money orders that were made to the order of myself. They were totaling XXXX dollars. The bank automatically assumed that it was fraudulent and freezes my account. They have not told me what is going on and consistently lie to me about the status of my checking account. They automatically made the assumption that I was cashing money orders fraudlently. They automatically thought I the person who the money was for was a scam because I talk to him online. The bank has froze my account due to the fact that I deposited these money orders in my account. They have not told me what is going on reguarding the status of the account and XXXX only told me that I would be implicated because of the money orders being deposited in my account. They have violated my rights to privacy and had automatic assumption that I was using the account for fraudulent purposes they told me they contacted the sender but will not state what she said. They show no interest in The identity of the person who I was going to send the money for nor do they have an interest in identifying him even though he was the person who instructed the sender to send me the money orders and gave the sender my information. The banks only interest is to implicate myself as a fraudulent person and not the actual receiver of the funds that I deposited in my account. The bank is not being transparent or honest about what is going on with my account. It seems the bank had closed my account even though customer support representatives state that their is only a hold the account. They have contacted the sender who is giving multiple reason for why the funds were sent to me. I had a person on my behalf contact the bank to clarify what the funds were for as I told the person that I talk too online to tell them what the funds were for as the funds were for him. The bank not interested about who the funds were for but seem to be seeking to close my account and implicate myself as a criminal for the fact that I was sent money orders that were ordered to be paid to myself with out the bank actually being honest about what the bank investigated and found out and was told about the funds in my account. They treated myself without any dignity have no reguard for my rights as a person as they do automatically assume that there is something wrong they also dont follow the law as I have had other problems with the banks practices reguarding my business with them. They should never automatically assume that Im depositing money orders for fraudulent purposes which I am not. The bank subjected myself to an unreasonable search and seized my money without being honest about what is going on reguarding my account.
Product: Debt collection

The company Equifax is allowing an alleged unvarified debt to be reported on my account. This alleged account has no company name attached to it, only an account number. I have reached out to Equifax via mail and have not gotten any response about the alleged account.
Product: Credit reporting or other personal consumer reports

I have sent dispute to all 3 credit bureaus in regard to the same information, that they are all reporting in correct information and to provide documents that show proof of validation, I have not received any or a correction. I have asked each XXXX, XXXX, and Equifax rep how each creditor verifies the information. Each agent advises that when you dispute and it comes back verified, the creditors only check the last four digits of your social security number, first and last name, and a code number. I do not understand how validating any debt with partial information about any individual is acceptable. Since you do not want to follow the laws for the credit reporting agencies regarding section 1006.34, Notice of validation, I am now requesting the credit reporting agency to validate the debt you claim to be verified and correct. According to FCRA section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] a ) Information on file, sources, and report recipients. Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer : 2 ) Summary of rights required to be included with agency disclosures. A consumer reporting agency shall provide to a consumer, with each written disclosure by the agency to the consumer under this section I have the right to request the credit reporting agency for a copy of the original contract that I have signed from each creditor that you claimed to be valid, correct, and verified. As a credit reporting agency, you have signed an MOU ( Memoranda of Understanding ) with government agencies to receive and integrate credit information ( data ) from voluntary subscribers into your respective database. This Memorandum of Understanding ( MOU ) is entered into by and between the undersigned credit reporting agency ( from now on referred to as Credit Agency ) and Federal agency ( hereinafter referred to as the Government ). This MOU is entered into to carry out the purposes of the Debt Collection Act of 1982 ( DCA ), as amended by the Debt Collection Improvement Act of 1996 ( DCIA ) and codified at 31 U.S.C. 3711 ( e ), which governs Federal agency reporting of debt information to credit reporting agencies. This MOU is consistent with the implementing guidelines of the DCA and DCIA, including the Federal Claims Collection Standards ( 31 C.F.R. 901.4 ), OMB Circular A-129, and the Treasury Guide to the Federal Credit Bureau Program.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues.

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621. 

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person ( s ) responsible for creating these accounts.

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so.

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person.

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX
Product: Credit reporting or other personal consumer reports

I disputed the accounts multiple times and they came back " verified '' I need them removed along with the inquiries. I am in the process of buying a home and car for my family
Product: Credit reporting or other personal consumer reports

It appears that there is an unauthorized inquiry on my report. I received a copy of my credit report and found the following item ( XXXX ) to be an error. The following inquiry is reporting incorrectly and must be removed immediately. 

Creditor Name : SYNCB/PAYPAL XXXX XXXX XXXXXX/XX/2023 I did submit the application for a new account on XX/XX/2023, however before I completed the application, I communication with PAYPAL credit . I was told the that application would only result in a soft inquiry and that the application would not affect my credit. I did indeed receive a hard inquiry from to my XXXX report after submitting the application even though I was told that it would not occur. 

I have communicated with SYNCB/PAYPAL as well as XXXX requesting to have this unauthorized inquiry removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting incorrect information such as terms, amounts, balance, origainal balance to XXXX. 
i have asked to send contract that bears my signature no response. 
they have been asked to verify no response but keep increasing there balance on loan monthly and when challenged. 
XXXX also has fail to verify information and provide such information to me on several attemps to resolve this 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information.
Product: Debt collection

I contacted the company Credit Protection Association in XXXX Texas and paid them the amount owed per their contract with the original creditor XXXX in XXXX Florida. I am currently purchasing a home and asked them the supply a letter stating the account is paid in full. After contacting them several times over the last three weeks beginning XXXX XXXX, they stated will take 24-48 hours to update in their system. And I will receive a letter in two weeks, when I moved out of my apartment on XXXX XXXX, I still had not received the letter. 
I contacted them again on XXXX XXXX @ XXXX EST and they still have not supplied me with a letter stating the account is paid in full. 

I spoke with the Floor Supervisor, XXXX, who puts me on hold and 22 minutes later, tells me they emailed me, but than states she wants me to give me the name of the lender with my personal information and they will call them. 
I stated I would like the letter they promised when I contacted them on XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle for a 2020, due to the fact that I have a old car and it is soon going to break down. I was at the dealership and they denied giving me an auto loan. I asked them why and I didn't get a explanation. I asked them to review my credit report to me and they told me no. I was very upset so I went home and looked up where I could get a copy of my report and I found a site pulled a copy and now I am even more upset that some one has been using my name to open up accounts that should of never been open. These accounts are not mine. I need them removed as soon as possible from my name. Thank you. 

XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX {$900.00} XXXX XXXX XXXX {$820.00} XXXX  XXXX XXXX {$170.00} XXXX XXXX XXXX {$200.00} XXXX   XXXX  XXXX {$850.00} DEPTEDXXXX    XXXX {$10000.00} XXXX/XXXX  XXXX {$4200.00} DEPTEDXXXX  XXXX {$4000.00} XXXX   XXXX XXXX XXXX {$4500.00} XXXX XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received an email from XXXX XXXX on XX/XX/2020 stating the termination of my XXXX frequent flier account due to 'Fraud, misrepresentation, abuse or violation of applicable rules ' with my credit cards ( Citi and XXXX both offer XXXX  XXXX personal and business credit cards, and I have possessed all 4 at certain points in time ). The email does not state specifics, and offers no contact avenue for a  response. I have emailed back twice, and called several times, with no response. With each of these cards come promotional bonus miles, which were all taken away with the closure of the account. There was no gaming/abuse/fraud committed with applying for, and receiving these cards over a multi year period, and I am alarmed that my miles can be taken away with no avenue of response or venue of contact.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed a copy of my credit report and to my surprise there are several accounts on my credit report that don't belong to me. I have never applied for these accounts, I never used these accounts and, I never received any benefits or goods from these accounts. The accounts listed below are all a result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : {$2500.00}, XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX 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 XX/XX/XXXX, XXXX : {$75000.00}, XXXX 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: Student loan

Customer service very disrespectful Once I make agreement as a cosigner on my granddaughters loans and I make payments on NAVIENT website its stating not paying as agreed. Also I agree with a payment schedule only to receive emails that Im late or not paying as negotiated.
Product: Consumer Loan

I went to a dealership in XXXX Texas and bought a new F 250 I was approved for Ford Motor Credit if 5.45 interest rate after I signed legal documents and I left the finance manager printed out new copies and send them to Ford Motor Credit with my signature that she forged@5.99. this all took place on XXXX XXXX of 2015 the dealer admitted to fault my first payment was due on XXXX XXXX I file a complaint with Ford Motor Credit on XXXX XXXX of 2015 I was told that it would not go on my credit as long as the company was at fault the company was at fault speaking about the dealer. I file a complaint with Ford Motor Credit fraud department and was told that it would not hit my credit and it did it took over XXXX points off of my XXXX XXXX off of XXXX because they had reported it as 60 days late in the state of Texas my up. ed that if the contract they had was fraud then the contract was invalid I did not have to make a payment all of this has come out to be true the Ford Motor Credit did removing off of my credit but they have not gotten in touch with the bureaus to get my score back up. I have filed it on the XXXX & with the DMV of the state of Texas to investigate the dealer for the fraudulent ways. there is an ongoing police investigation with XXXX XXXX Police Department CID. I feel that the dealer has done this to other people and the bank is not doing anything about this.