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

Per the FCPA as a protected consumer I opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802-6805. 
Per 15 USC 1681 Effective immediately and indefinitely. All of my personal information must be cleared off my report. 
All versions of names except my only Name " XXXX XXXX ''. 
All other versions are in violation. 
There is only 1 address that is correct that should be on my Credit Report and that is XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, South Carolina XXXX. 
ALL OTHER locations or addresses are UNMAILABLE, MUST BE REMOVED. 
There are CHARGEOFFS being reported on my credit report, per the IRS rules, all Charge Offs are considered Income and Income is NOT reportable on Credit Reports. 
There are multiple Hard Inquiries on my credit report that are NOT authorized, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX There are multiple Soft Inquiries that are NOT AUTHORIZED : XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX again, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 
Per the FCPA as a protected consumer I have opted out of any and all authorization I the consumer may have given written, unwritten, verbal and non-verbal per 15 USC 6802. Those hits on my credit are not authorized and must be removed.

The S

tudent Loans being reported on my credit MUST be removed. Student Loans on credit report is a violation of the Family Educational Rights and Privacy Act of 1974 ( FERPA ) The school agreed that they will not provide transaction history to any 3rd party.

16 CFR 433.2 & 313.7 - For all Accounts on my Credit Report that show payments to the account MUST be removed because it is ILLEGAL to report ANY transaction history on my consumer accounts to my credit report. I NEVER provided authorization for any institution to report my transactions. ALL current active accounts must be put to Paid as Agreed and remove all payment history, no payment history on any accounts can be shown.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX XXXX I received an email from XXXX XXXX XXXX XXXX that a " Loan '' that I had applied for recently was " Denied '' because of derogatory credit information on my " Equifax '' credit report. I immediately called " Equifax, '' calmly explained to " Equifax '' my situation and asked them to mail me a " Free Copy '' of my " Equifax '' credit report that I am lawfully entitled to per the Federal law called the " Fair Credit Reporting Act. '' " Equifax '' staff said " No '' and rudely hung up on me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian three times asking to verify information on my credit report. I've called countless times to get information on a few closed accounts that appear negative on my account. These dates are XXXX XXXX, XXXX XXXX, and XX/XX/2021. It has been more than 60 days and I haven't had any update on these unverified and closed accounts.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, 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. secondly, i have the right to sue if i think consumer bureaus are preventing me from getting certain loans or benefits by reporting false information on my report. Incorrect credit reporting, I have an account that is not correctly reported. 
Account Name : XXXX XXXX Account number:XXXX you have this account as closed with a balance of {$3700.00} but this account is fully paid-off and balance on it should be {$00.00}
Product: Credit reporting or other personal consumer reports

TransUnion is refusing to provide my credit score for free, which I believe they have to do. XXXX and XXXX provide it for free. 
When I called them, the rep said the score is free, but they charge {$.00} to give it to me. 
Seems fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report number XXXX I have disputed an unverified alleged collection account, requesting verification of alleged the alleged account by providing documented evidence of a signed credit or loan application bearing my signature. XXXX not only refused to provide the requested information but continue reporting unverified information on my credit report.
Product: Checking or savings account

Bank of America Claim denied Claim ID : XXXX XX/XX/2023 Amount : {$2300.00}
Product: Checking or savings account

On XX/XX/XXXX Chase bank closed my account because I received an sba grant. Without notice or warning they completely froze my account and closed it. they did not let me bring documents to prove I was entitled to the grant thats was deposited.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have a collection account on my file from a collection agency named  (  Midwest Recovery Systems ). The account is as follows :   XXXX   XXXX   XXXX   account #  XXXX . Please be advised that I am disputing this collection due the fact ( Midwest Recovery Systems  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX , MO  XXXX  ) does not currently have a valid license in ( Florida ) to collect on debts. This information is stating that their license is currently ( Expired/Denied Tech ) according to FLORIDA OFFICE of FINANCIAL REGULATIONS  (  address :  XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  ). I am requesting that you investigate this matter and delete this account from my credit file immediately or provide me physical proof  ( M idwest Recovery System s )  is licensed to collect debt in  (  Florida ). Your immediate response will greatly be appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Experian credit report is not pulling back any information, after having over 8 years of credit history. I 've talked to countless representatives who have only transferred or referred me to other departments who have not been able to resolve the issue. XXXX XXXX of 2017 was the last time I was able to view my credit score and report on the paid version of Experian.com. For the last two months I have been trying to review my information, look for changes or updates and the system will not refresh, even though it tells me there 's an update available. When calling, every representative tells me that my credit report is n't showing any information, then they ask me a series of questions that are not related to any of my account history. I was recently told- over 30 days ago, that I would receive a credit report so that I can review it for accuracy and they will resubmit my information into the system to pull a score. I am unsure what information they would be sending since they have previously advised me that I have no information in their system all of a sudden, and needless to say, I have yet to receive that report that I was promised. <P/>I would like my credit report fixed, reading accurate, and I want to be able to view my current score for free since I have previously paid for service that I have not been able to use.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer XXXX now XXXXXXXX XXXX XXXX cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account : XXXXXXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX - Account # XXXX has violated my rights 15 U.S.C. 1861 section 602 A. States I have the right to privacy. 

15 U.S.C. 1861 section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Bank account or service

I filed a dispute with Bank of America regarding a service I did not receive. The complaint began on XX/XX/XXXX, and each time the response from the bank is the same. I have provided documentation that shows the business did not perform the service, and I stated that the complaint was regarding a service not received. In each response, the bank claims they reviewed the case, but will respond by denying the claim because " it is not a wrongful post to the account. '' I have provided documentation. I have asked for an explanation for the denial ( an explanation that would apply in this scenario ). I have asked if there is any addtional information that is needed. In every instance, I simply receive the same letter with the same resolve. The company will not do a complete review, and does not provide any resource to speak with a manager. I was told there were no managers in the dispute department. I have tried relentless to speak to management without any resolve. I have asked for clarification on this issue and I do not recieve it. I had my car serviced on XXXX/XXXX/2015 at XXXX in XXXX Florida. I paid XXXX for a fuel pump system. After the car was serviced, it stopped working two days later and had to be towed back to XXXX. XXXX kept my car for almost two weeks, and I was told the part that was put on was defective. Again, when the car was returned to me, the car stopped running a few days later and had to be towed. The car has not been fixed since its release date on XXXX/XXXX/2015. I notified Bank of America and filed a legitimate dispute. The response is " we do not find an error in the post to the account. '' I have received this response XXXX times and 120 days later, Bank of America 's dispute department has yet to clearly identify that my complaint/dispute is for a service that I did not receive.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Please remove these items. 
XXXX XXXX XXXX XXXX XXXXXXXX, NV XXXX XXXX XXXX XXXX XXXX, HI XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$5700.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked the credit bureaus Experian and XXXX to please verify this account but they have not. The information is incorrect
Product: Credit reporting or other personal consumer reports

I am writing to report unauthorized credit inquiries on my credit report, which I believe violate the Fair Credit Reporting Act ( FCRA ). Specifically, under Section 604 ( 15 U.S.C. 1681b ), credit reports can only be accessed for permissible purposes, such as credit applications or employment screening.

Upon reviewing my credit report, I identified the following inquiries that I did not authorize : XXXX. XXXX XXXX ( XXXX ) - XXXX Date : XX/XX/year> XXXX. XXXX XXXX ( Bank ) - XXXX Date : XX/XX/year> XXXX. XXXX ( XXXX ) - XXXX Date : XX/XX/year> XXXX. XXXX XXXX ( XXXX ) - XXXX Date : XX/XX/year> XXXX. XXXX ( Bank ) - XXXX Date : XX/XX/year> XXXX. XXXX XXXX ( Bank ) - XXXX Date : XX/XX/year> I did not authorize these companies to access my credit report and have no business relationship with them that would justify these inquiries. 

I request that the FTC investigate this matter and take appropriate action to ensure compliance with the FCRA. I have attached a copy of my credit report highlighting these unauthorized inquiries for your reference. 

Thank you for your assistance. Please let me know if additional information is required.
Product: Student loan

I have been struggling to make my payments and Navient made it difficult to access certain programs to restructure my repayment. For over 5 years Navient 's customer service has steered me toward multiple forbearances instead of income-driven repayment plans. I was put in forbearance plan and paid over {$500.00} dollars every month, giving Navient over 30.000.00 for free over that 5 years spent, while interests piles up. I was left with over 80.000.00 in debt. Now I am forced to pay {$1000.00} each month. 

It's not right for Navient to mess up my life like so, I am tired of Navient fraudulent practices and would to be placed in the class action lawsuits against Navient.
Product: Checking or savings account

I set up AutoPay from my Wells Fargo checking account. I designated XXXX  XXXX XXXX as a payee for reoccurring payments on the XXXX of each month in the amount of {$35.00}. 

XXXX XXXXXXXX XXXX due date is the XXXX of each month. For whatever reason, XXXX  XXXX XXXX did not receive payment for XXXX until the XXXX. As a result, I was charged a late fee in the amount of {$35.00} and a 30-day late payment reported to my credit report. The late payment history has a long term negative impact because it can stay on my report for 7-years pursuant to the federal FCRA. 

This is due to no fault of my own. AutoPay was set up on the XXXX of each month. Please correct this issue with XXXX XXXX XXXX credit card department ; other wise, criminal and civil claims will be pursued.
Product: Payday loan, title loan, personal loan, or advance loan

The loan was setup through XXXX, a contractor of XXXX XXXX ; and the payments were setup on autopay to draft from our account. One of the autopay payments happened to bounce ; but we didn't catch it right away, assuming it would be re-tried. It wasn't. Ever since, we have been trying to figure out how to catch this payment up. They never gave us an account number, all the documentation had it partially X 'd out ; so we are unable to create an online account to update anything or make an additional payment. They started sending us past due reminders, again, with account number X 'd out. Any validation we try to do, asks for our account number... we try calling to get our account number, but they won't give it to us - someone even said that they can't give it to us, because our account is past due! We asked how are we supposed to make the payment then ; they ask a bunch of questions about the loan, then say they will contact us back- they call husbands number, go through all the questions, then say they can't provide because he is not " me ''. They call again, go through the run around, and then again say they can not give us the account number because account is past due! ( it is only behind one single payment ; a payment that bounced due to an unexpected expense and poor timing ... a payment that if they had re-tried again, would have gone through ). They say they can not take our payment info over the phone or give us the information we need to correct on our own ; but yet they are harassing us over this missed payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 
FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX 3. XXXX XXXX XXXX XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX XXXX Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
5. XXXX  XXXX XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX  on XX/XX/XXXX XXXX Reported Identity Theft ) 2. XXXX XXXX  XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Checking or savings account

Wells Fargo was charging my bank account fees without my knowledgedge. I closed my account due to the misrepresenting their fee structure between XXXX
Product: Credit reporting

EQUIFAX reinserted a closed account in which I have no account agreement or signiture showing agreement to account # XXXX. On report it shows XXXX balance and XXXX due. 
I have no knowledge of such an account.
Product: Credit reporting or other personal consumer reports

In my recent complaint to Equifax about the incorrect information, specifically my name and address, and the fraudulent furnishings on my credit profile. I have already sent them my correct information twice, and yet they are sending me another request for such documents, which i have already sent to them, which i will enclose evidence of certified mail and the information i sent. 

This is really damaging to my well being, cause undue stress for me, and defamation of my character, which are grounds for compensation by legal means, which now i will not hesitate to hire a lawyer to defend me.
Product: Debt collection

The name of the collection company is Hunter Warfield , Inc . They are extremely unprofessional when I've spoken to them over the phone and when I wrote to them directly, I never got responses to my letters. I have attached copies to this complaint of the letters I sent them and also a copy of the account as it was on XXXX ( it was on all 3, but I am just providing a copy of XXXX simply as proof of what was reported and the dates ). They just stuck this debt on my credit reports and refused to investigate. I never even heard of them until they started calling profusely in XX/XX/XXXX. I began disputing in XX/XX/XXXX the unverified, invalidated debt of original amount {$5600.00} and balance of {$6000.00}. While I sent them debt validation letters directly, I also disputed this debt via the 3 major credit bureaus. What Hunter Warfield did was deleted the account and bolted or simply stopped reporting and never said a word ; in other words, they refused to respond, they stopped reporting the account, and to this day ( late XX/XX/XXXX ) I have not heard one word from them. I can only assume that the account was deleted or that they're simply not reporting ; which, I do not know because they refused to say anything. The credit reporting agencies never reported the account as deleted. Therefore, it is very possible that this unverified, invalidated debt could be placed right back on my reports because of this -- and I believe that it is their underhanded, sneaky way of being able to do so! I am outraged that a company could get away with doing such a thing. They did not do their due diligence, the credit bureaus did not do their due diligence either, and I was not given due process as they violated the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX, I have submitted several dispute to them as to verifying with the proper COURT House on a Bankruptcy. The reporting agency advised me that they verified through a third party which my information was frozen with XXXX XXXX to not provide information to anyone. But these credit reporting agencies have failed to do there job and verify with the direct source. I have attached documents that I have received from the credit reporting agency as well as they court house that they have not verified the proper information.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Auto Finance XXXX XXXX XXXXXXXX XXXX XXXX, VA XXXX **Subject : Dispute of Unauthorized Credit Inquiry** Dear Sir/Madam, I am writing to formally dispute an unauthorized credit inquiry that was made on my credit report by XXXX XXXX XXXX XXXX  via a dealer . The inquiry, which appears to have occurred without my explicit consent, has adversely affected my credit score and caused me significant concern. 

As per the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute any inaccurate or unauthorized information on my credit report. Specifically, I believe that the inquiry in question was not authorized by me, and I am requesting that it be removed from my credit report immediately. 

**Details of the Unauthorized Inquiry : ** - **Date of Inquiry : ** XX/XX/2024 - **Name of Creditor : ** XXXX XXXX XXXX XXXX via Dealer - **My Full Name : ** XXXX XXXX XXXX XXXX XXXX XXXX XXXX ** XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX I XXXX request XXXX you : XXXX. Investigate this matter and provide documentation proving that I authorized this inquiry. 
XXXX. If you can not provide such documentation, promptly remove the unauthorized inquiry from my credit report. 
XXXX. Provide written confirmation of the removal of this inquiry and any correction made to my credit report. 

Enclosed with this letter, I have included a copy of my credit report highlighting the disputed inquiry, and a copy of my identification. 

I appreciate your prompt attention to this matter and look forward to receiving a response within 30 days of your receipt of this letter. Should you need any additional information, please do not hesitate to contact me at ( XXXX ) XXXX. 

Thank you for your cooperation, integrity, and diligence. 

Sincerely, XXXX XXXX XXXX XXXX [ Enclosures : Copy of Credit Report, Copy of ID ]
Product: Debt collection

In accordance with the fair credit reporting act XXXX  Account XXXX, has violted my rights 15 USC 1681 Sections 602 States I have the right to privacy 15 USC 1681 Section 604 States 2 : It also states a consumer reporting agency can not furnisha account without my wriiten instructions 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose