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

Recently I looked at my credit report, and I noticed several inaccuracies on one of my accounts. These inaccuracies are severely hurting my credit score and my ability to obtain credit. In accordance with The Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A states I have the rights to privacy. 15 U.S.C 1681 section 604 A states section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. Account Name : XXXX XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

I was at a red light and the water boys at the light wanted me to buy water. They started knocking on my door requesting XXXX XXXX  I then gave then said sure. The 1 individual took my phone and then I thought was entering JUST his zelle information. He started to take long and i figured he was doing other things. Once I took his phone he sent himself XXXX dollars which empty my account out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed a fraudulent hard inquiry now twice in the last few months after noticing it on my Equifax report. The first time I was never notified of result. This second time I received a letter from Equifax that they are continuing to investigate and could not get in contact with the company making the inquiry. The company making the inquiry on XX/XX/2020 XXXX XXXX, when I good them, they are a scam company. 

Two requests to dispute the inquiry, and several months later, no action is taken to remove this inquiry that the Equifax originally says on my account should have been gone from report after 3 months - it's still there.
Product: Debt collection

COLLECTOR FAILED TO VALIDATE SAID DEBT, AND IGNORED CEASE AND DESIST COLLECTION EFFORTS AND WENT ON XXXX ANYWAY.
Product: Debt collection

XX/XX/2022, I was seen at XXXX XXXX XXXX XXXX in XXXX, GA. The hospital originally tried to charge me as if I was my own sponsor as I have XXXX XXXX My insurance is under my XXXX XXXX husband as his dependent. It was corrected and the insurance paid the bills, which i have complete proof of. The hospital then sold the nonexistent debt to AmeriCollect as if I was the sponsor ANYWAYS after the hospital charges were paid by my insurance. The hospital repeatedly assured me they did not and all was well, until i began receiving phone calls from restricted numbers, actual americollect numbers, and even cellphones up to 5 times per day. I can admit they have died down over time but still mutliple times per week. I tried mutliple times to resolve this with Americollect with proof yet, i was always hung up on, told that my only option was to pay them, or walked in circles with different callers trying to make me pay anyways without letting me stop it or give them proof so they will cease and desist. The debt is now on my credit report as well.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information being reported on my TransUnion credit report. The following accounts listed under collections are not mine and appear to have been reported in error : XXXX XXXX XXXX XXXX XXXX XXXX {$160.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX Amount : {$340.00} Date Opened : XX/XX/XXXX XXXX. XXXX XXXX XXXX Amount : {$6500.00} Date Opened : XX/XX/XXXX This information does not belong to me, and I am requesting that TransUnion thoroughly investigate these accounts and remove them from my credit report if they can not be verified as accurate. 

I have attempted to address this directly with TransUnion but have not received a satisfactory resolution. Therefore, I am seeking your assistance in ensuring that this matter is handled appropriately and that my credit report reflects accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX charged three monthly unauthorized charges of {$9.00} from XX/XX/2022 through XX/XX/2022 to my XXXX XXXX account even though I only authorized payment either through my XXXX  XXXX XXXX checking account ( primary ) or my XXXX XXXX XXXX ( secondary ) for online purchases through XXXX ( which was ultimately for an XXXX membership ). This is reflected in XXXX 's own settings, which only note my XXXX  XXXX XXXX checking account and XXXX XXXX account as the authorized forms of payment for XXXX charges. This is further reflected in each of the transaction details for the XXXX, XXXX, and XX/XX/2022 charges, which show the funding details as my XXXX XXXX XXXX checking account or XXXX XXXX account as backup options. Each says " Paid by Bank Account, '' not XXXX XXXX. So either XXXX incorrectly charged my XXXX XXXX Account despite stating in their own records that they charged my Bank Account, or they charged me twice through my XXXX XXXX XXXX Account ( or XXXX XXXX ) and XXXX XXXX. To be clear, I never authorized XXXX payments to be through my XXXX XXXX Account. This is why I was not aware of the three charges pending on the account, and they went past due. Because they were never authorized. I contacted XXXX about this by submitting online disputes and calling them multiple times. Some customer service representatives even acknowledged the mistake, but they insisted I should just wait the 7 years for them to drop from my credit report. I then submitted two credit report disputes that included the payment settings showing I never authorized charged to XXXX XXXX to each of the three credit bureaus, and my disputes were rejected both times. Now, I submit this dispute to you given that XXXX and the three credit reporting agencies never appropriately addressed these fraudulent charges to my XXXX XXXX Account. There never should have been a balance on the account for it to go past due, unpaid, and then closed by XXXX XXXX without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian currently reports inquiries that is in Violation of fcra rules. Theses inquiries had no proof of permissible cause, no loan or credit has been awarded as a result these inquiries are a violation of FCRA rules section 1681.

Inquiry under the name ; ( XXXX ) inaccurate reporting a violation of FCRA rules
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX am reaching out to the consumer financial protection bureau on XX/XX/XXXX regarding Experian furnishing information which is a breach of my privacy and included inaccurate information on my consumer credit report. There are multiple 15 USC violations that I have attached in the following documentation that I will add to this complaint. Not only this Experian has forcefully left a fraudulent XXXX XXXX on my consumer credit report that I have complained about since the beginning of last year in XXXX that still to this day nothing has been done. I have sent numerous requests of verification and methods of investigation procedures to which to this day they continue to neglect and report verified as accurate in which they is falsified information. The result of this has caused me emotional, financial, and economical distress beyond my imagination in which I lost my girlfriend of 7 years due to my tarnished reputation of dealing with this credit bureau in which I also was unable to get an apartment and I am currently in the process of being put out on the street. I have made a lot of formal complaints to the CFPB to raise attention to the violations that this company is doing and they fail to uphold my consumer rights and protect me as a consumer under laws that this company has no regard for. Upon this notice I am DEMANDING the removal of the stated items and this will be my final complaint. I will be pursuing a lawsuit in federal court if nothing is done and will be seeking remedy for the pain and struggles I have gone through the past year and a half fighting for the furnishing of this fraudulent, unverified, and unvalidated information.
Product: Credit reporting or other personal consumer reports

We have reached out to them several times to explain that their information i incorrect we have no open credit collections with them or any other company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I first want to be clear that XXXX XXXX is NOT at fault here and should NOT be sent any correspondence. The problem is EXPERIAN. Experian refuses to remove a fraudulent collection account from my credit report. I spoke with XXXX XXXX months ago and they sent me a letter agreeing that the collection account in the amount of {$410.00} should be REMOVED from my credit report after their investigation. I then sent the letter to Experian and requested that they remove the account and they still have not. It has been over 6 months and I have been very patient due to covid. The collection account is being reported by XXXX XXXX XXXX. The amount is {$410.00}. Please help me get this inaccurate collection account removed from my credit report.
Product: Vehicle loan or lease

On  XXXX   XXXX  I received a refund check from  Santander Consumer USA.  The check stated the refund was for my  XXXX   XXXX   XXXX  I financed with them in   XXXX   XXXX   The check was in the amount of  XXXX  with a check date of   XXXX   XXXX   XXXX  . I calle d Santander Consumer USA to  verify that the check was accurate because I paid my car loan off with them on   XXXX   XXXX   XXXX  . I was advised by the representative that the check was accurate and I received the check for an adjustment that was made when my interest rate was lowered due to being on   XXXX   XXXX   XXXX  . On   XXXX   XXXX   XXXX   I deposited the check and spent the money. On    XXXX   XXXX   XXXX    I received correspondence from my bank advised that my account was charged back for the check in the amount of  XXXX  and a  XXXX  dollar return fee. My bank advised they were unable to obtain funds for the check because a stop pay was placed on the check by  Santander Consumer USA.  I contacted Santander on     XXXX   XXXX     and advised them a stop pay was placed on the check and the funds were spent. No one at the company was able to advised me of why a stop pay was placed on the check. I was advised that they would send a research request to the accounting department and I would hear something back within  three  business days. I never received a call back. Over the past two weeks I have been contacting the company to get them to reissue the funds. On    XXXX   XXXX   XXXX    I spoke with a representative who advised that he was informed by an individual in the accounting department that the refund was for a warranty that was canceled and the check would be reissued but they needed to confirm with  one  more person. On   XXXX   XXXX   XXXX   I received a call back from the same representative advising that the check was sent in error and the payment belonged to another account. I requested that the funds be reissued to me and the return fee amount in  XXXX  dollars because I verified the check with them and no one notified me that a stop pay was being placed on the check.     The business responded by saying they would not be reissuing the check in the amount of  XXXX  but they would reimburse me for the return item fee for {$12.00}. I have yet to receive any correspondence from them since I last spoke with the customer service representative on   XXXX   XXXX   XXXX
Product: Credit reporting or other personal consumer reports

THIS IS NOT AN ATTEMPT TO VERIFY ACCOUNTS ON MY CREDIT REPORT. 

The following accounts are charge offs. A charge off is considered a certificate of indebtedness, which means it is income so it must be removed from my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please have all accounts removed from my consumer credit report According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' it is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' I have not given financial institution written instructions to report these account on my credit report.

Last but not least these credit reporting agencies are violating the Privacy act of 1974 ( 5 U.S. Code 552a ).

This act states that no agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains, unless disclosure of the record would be ( 12 ) to a consumer reporting agency in accordance with section 3711 ( e ) of title 31. 

Please force all XXXX reporting agencies to delete all of the above accounts immediately.
Product: Credit card or prepaid card

Within the past five years, I opted out of receiving credit card solicitations with the Federal Trade Commission. Capital One has violated that twice. The first time was about a year ago ; the second time was yesterday. This is the only company that has violated the ban.
Product: Credit reporting, credit repair services, or other personal consumer reports

Presto Auto Loans is reporting a title loan to my credit report, I did not authorize the company to report this to my credit. The information reported is incorrect and I have requested multiple times for this to be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted disputes and a FTC report for fraudulent accounts and hard inquiries on my credit report. 

XXXX - Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX {$2600.00} XXXX XXXX XXXX {$330.00} XXXX XXXX {$650.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} XXXX XXXX Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts XXXX XXXX XXXX XXXX {$1600.00} XXXX XXXX {$650.00} XXXX XXXX {$1000.00} Equifax - Accounts : XXXX XXXX {$650.00}
Product: Credit reporting

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX Dob XXXX SS # XXXX Read the LETTER I SENT 10 TIMES I understand that some people can not read so I wrote it so very simple people could read remove ALL ALERTS FROM M CREDIT PROFILE!!!!!!! 

YOU Have MY ID Attached so do n't play that game of we do n't have your id on file you also have my utility bill you have my drivers license attached Yes - YOUR STATEMENT - XXXX-EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC OUNT DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. 
VERIFY ALL IDENTIFYING IN FORMATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This phone number continues to call me, after I have notified them they have the wrong number. They call multiple times a day.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of time
s. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts. 

Acount name : XXXX Account number : XXXX
Product: Debt collection

Got a letter in the mail of a supposed debt collection agency accusing me of owing them money. I do not know who they are and will not respond unless required by law or court to do so. I am not aware of any of the parties on the letter so Im assuming it to be fraud. I also searched Thomas George Associates Ltd. on XXXX and many people said similar things to my current situation. They have horrible reviews and a lot of people are not happy.
Product: Debt collection

BMW Financial Services called my cell phone at XXXX on Tuesday XX/XX/2018. A voicemail was left. The number that appeared on my caller ID is XXXX. The person who left the voicemail is named XXXX, and it was requested that I return his call to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this is my SECOND time reporting this request. I ask to have the following account, names and addresses listed REMOVED IMMEDIATELY as they're reporting inaccurately. I am a victim of identity theft and DID NOT make any of these unrecognizable charges. I ask that the items be deleted from my credit report as soon as possible. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I urgently request the items to be removed as soon as possible. 

Accounts Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$460.00} Account Name : XXXX XXXX  XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$250.00} Account Name : XXXX  XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$250.00} Account Name : XXXX XXXX Account Number XXXX Account was open : XXXX. XXXX, XXXX Account Balance : {$200.00} Account Name : XXXX XXXX Account was open : XXXX. XXXX, XXXX Account Balance : {$220.00} Account Name : XXXX Account Number : XXXX Account was open : XXXX XXXX, XXXX Account Balance : {$0.00} Account Name : XXXX XXXX Account was open : XXXX XXXX, XXXX Account Balance : {$100.00} Account Name : XXXX & XXXX Account XXXX : XXXX Account was open : XX/XX/XXXX Account Balance : {$400.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was open : XX/XX/XXXX Account Balance : {$820.00} Account Name : XXXX XXXX XXXX Account Number : XXXX Account was open : XXXX XXXX, XXXX Account Balance : {$920.00} Hard Inquiries Inquiry Name : XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX Inquiry Name : XXXXXXXX XXXX XXXX Inquiry Date : XXXX. XXXX, XXXX MY NAME IS XXXX XXXX. The names listed in my report are incorrect and do not belong to me. Please see my drivers license and social security card. Please remove the name reported incorrectly. 
Names reported : XXXX XXXX, XXXX MEJIIAS My current home address is XXXX XXXX XXXX XXXX XXXX PA XXXX. The addresses reported in my report are incorrect, do not belong to me and need to be removed from my credit report as soon as possible. 
Addresses Reported incorrectly : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Debt collection

I'm in receipt of a collection notice from XXXX XXXX XXXX XXXX XXXX ( See attached ). I've responded to them via telephone and wrote them a detailed email ( See attached ) of all the circumstances surrounding this alleged debt.
Product: Credit card or prepaid card

I am a Citi credit card holder ( XXXX cards ) and have had numerous issues with the mobile app providing me with inaccurate information. In a nutshell, I make numerous payments an the app, which provides a Before Payment amount and After Payment amount. The following day, the actual amount is always different ( higher ) from the After Payment amount noted in the app. I have screen shots to support this. Citi insists that the app is working as designed and that pending payments may impact the actual balance. It is important to note that at NO TIME does the app display a message that the actual balance could be different. I started my complaint in XX/XX/XXXX via email to XXXX XXXX, XXXX XXXX. XXXX XXXX from the XXXX XXXX XXXX left me a voicemail on XX/XX/XXXX stating that he and a colleague did find the problem and that " indeed something odd going on within the actual algorithm or the coding behind that. '' I reached out many more times and no one would acknowledge the message about a coding error in the app. I requested a corrective payment again and rec 'd a response on XX/XX/XXXX that the app is working as designed and no corrective payment can be issued. Their response includes " we certainly regret any confusion regarding the voice message left by our representative on XX/XX/XXXX. We have forwarded the details of your request to our appropriate departments for potential future enhancement of this process which may include pending transactions in the future balance figure displayed as part of the payment flow. '' It is unconscionable that a a multinational investment bank and financial services corporation would feel that providing the consumer with an accurate balance after payment on the App is a " future enhancement. '' What?? I am a single mother of XXXX teenage daughters and I am trying to make ends meet. I made a large number of payments while prioritizing debt reduction only to find out that the data given by the bank through their own mobile app was inaccurate. Additionally, once the CEO 's colleague, XXXX XXXX, told me that they identified a problem with the algorithm/coding on the application, I felt relieved that they would finally make me whole. They have swept aside the comment about the coding error and the inaccurate information on the App displayed after payment. There could be thousands of other consumers who have been impacted by these XXXX issues.
Product: Payday loan, title loan, or personal loan

Made a purchase on XX/XX/XXXX with affirm for {$670.00} and the proceeded to cancel the order the next day. I received emails from the sight stating Id have a refund in 7-10 days. After 7 days I contacted affirm and was told to forward refund emails and that if the didnt receive the refund a dispute would be opened. After another call Im being told its my responsibility to get the refund for them which is impossible I have reached out to the company many times and nobody answers the phone only email. There now trying to make me responsible for the the loan on items I never received
Product: Debt collection

Went to hospital Got tests done on my son Was not sent a bill saying I owed money to the hospital. 
Then just got a flag on my credit report while I 'm trying to buy a new house that we owe {$3100.00} and its flagged for XXXX which I took my son to hospital in XXXX.