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

I checked my consumer report on XX/XX/XXXX and seen that Experian XXXX Equifax are reporting a bankruptcy chapter 7 on my credit file ( XXXX XXXX XXXX XXXX, XXXX  XXXX  # XXXX ) DATE FILED XX/XX/XXXX, XXXX XXXX XXXX -XXXX  IDENTITY THEFT! Its quite clear that my identification was used by XXXX consumer reporting agency to obtain my credit report to another consumer reporting agancy without PERMISSIBLE PURPOSE which constitute Aggravated Identity Theft, XXXX15 USC 1681q Obtaining information under false pretenses!! I DID NOT GIVE ANYONE PERMISSION TO PULL MY CONSUMER REPORT, ,In accordance with the written instruction of the consumer to whom it relates 15 USC 1681c-2 Block of information resulting from Identity Theft, I did not give Experian & Equifax permission to pull my consumer report this is IDENTITY THEFT!!!! Please remove the bankruptcy and these inquiries XXXX XXXX  XXXX XXXX XXXX XXXX, ,XXXX  XXXX  XXXX
Product: Debt collection

I had two capital one cards one in XXXX and another in XXXX the XXXX which is pass the 7 year make to be collection upon should be removed from credit report as per the fdcap federal state and also in nys this account is two old to be collection upon if not removed from my credit report i can and will bring a federal law suit aginst the collection agent and also it is against the law to report as a open account when the account is closed
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Checking or savings account

I received an email from XXXX saying someone was trying to use my account to buy crypto. Someone called me named XXXX and set himself out as a representative of XXXX. ( At that time I had tried to close my coinbase account several years earlier and it was restricted ). I found out later this guy was a scammer and scammed me out of {$1200.00}. Chime Bank has denied all of these fraudulent transfers saying they were not an error. Basically saying i'm the one that did all this. I've sent them multitudes of emails denying this I've already closed. My secured credit card with them and my savings account and as soon as all my debits are out of my account I am closing this account. I've been victimized first from the scammer and now from my bank
Product: Credit card or prepaid card

XX/XX/XXXX-XX/XX/XXXX Accounts were opened in my name using my identifying information. I notified company fraud department to dispute accounts and was told that accounts were mine. I requested validations for the accounts and still have not received validation. The accounts are still being reported negatively on my credit reports.
Product: Checking or savings account

With Chase Bank I tried to have them unlock my checking account and they told me that the account had been closed I asked them why they said they could not tell me. But after 10 days they would send me my funds that were available
Product: Debt or credit management

This company ( Tomoboost ) provides credit reporting on large credit lines as authorized users for $ XXXX. The service began to fail on reporting approximately XXXXXXXX XXXX After multiple complaints, and no updates, they did give me 2 free months. The service is still not fixed 8 months later and they just charged me again. They refused to refund the most recent charge even though the service still is not reporting on any bureaus.
Product: Debt collection

My roommate and I paid to break our lease from our former apartment in XX/XX/year> ( we have confirmation of all of this ). The apartment claims that there was a glitch in the system that caused us to receive a final statement of {$3800.00} that still included this fee and the last months rent on it that we had already paid. They were extremely unresponsive ( we have proof of all the times we reached out ) but they told us it would be resolved since we paid it already. In XXXXXXXX XXXX XXXX my roommate received a letter stating we owed the debt from our final statement to the company that I am filing this complaint against. We sent them the proof that we paid it and they said that they couldn't prove that that payment was for the debt and that our apartment had to reach out to them or our credit score would suffer. As I stated before, our apartment complex is extremely unresponsive and would not answer them or us. My roommate and I sent the collection agency an email stating that we would not be paying the debt back as it was false and it was past the time frame that the collection agency has to prove that we actually owed the debt. They then put it onto both my credit score and my roommates credit score, dropping the scores that we had.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting due to non-compliance with Transunion, XXXX, XXXX. They have failed to remove fraudulent information that is still reporting on my consumer reports. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. It has been more than 45 days without a response and I am requesting that the fraudulent items be removed from my reports. According to federal credit law spelled out in the Fair Credit Reporting Act ( FCRA ), a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed.
Product: Credit reporting, credit repair services, or other personal consumer reports

All state credit bureau made contact on two phone lines on Wednesday XXXX XXXX 2017, after we have requested through various sources for them not to make any contact. Though one call was not accepted due to our agreement, a call on our second line was recieved and XXXX agreed to settle the balance in full though a one time payment in exchage for removal of all references to the credit reporting agencies. The business said it would not formally do a pay for removal but that one the debt was paid, they instructed us to dispute the information and they would then allow the debt to be removed. this agreement was given on a recorded line by both myself and the business and multiple representatives have confirmed. we also have received this agreement with an expiration date of XXXX XXXX in writting from the business. In good faith i will make arrangments for the debt to be paid as we agreed and request that the business remove all references of the above mentioned account from all credit reporting agencies within 30 days and then resume our no contact agreement and make no further contact or attempt to collect on debts allegedly owed even though no contract exsists between the pittmans and all state credit bureau inc. While All-State Credit bureau inc is  already in violation on FDCP law XXXX. Communication in connection with debt collection because they have attempted to make contacted after being asked not to in writting, we will not at this time pursue legal action as long as all parts of our agreement both written and verbal on recorded line are honored. if not we will invoke our right to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my most recent credit report, your company is currently reporting to the credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report. 

The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the main credit bureaus. 

The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Time is of the essence so I would greatly appreciate a response from you within thirty ( 30 ) days.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of this year, my mortgage was sold from Dovenmuehle Mortgage, INC to XXXX XX/XX/XXXX. At the moment, my loan was in forbearance. Prior to selling the loan to XXXX Dovenmuehle reported my loan as 120+ delinquent, which was not true as it was under forbearance as per the terms of my agreement with Dovenmuehle . 

I have been trying to request this correction from Dovenmuehle for over 5 weeks. On my report, the account indicates that it has been closed with a {$0.00} balance, but my credit score is still 70+ points lower than it should be due to their error.
Product: Credit reporting, credit repair services, or other personal consumer reports

Thank you for taking the time to reinvestigate my recent complaint XXXX. The account XXXX XXXX XXXXXXXX has been removed from my XXXX credit file due to the inaccuracies that I have made you aware of. According to 15 USC 1681s-2 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. 

At this time, I am requesting to have the account removed indefinitely from my credit report and I would like an updated copy of my credit report sent to the address above once the account has been removed. I eagerly await your response!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian. One of three reporting bureaus you tell us to call is a fraud. Impossible to request a fraud alert or credit freeze. They just hang up on the caller.
Product: Debt collection

This morning I received a call from XXXX of the Utah Higher Education Assistance Authority -- a collection agency contracted by the state of Utah. He contacted my employer for garnishment on A LOAN THAT NEVER EXISTED. 

He had my name wrong, my SSN wrong, said I attended XXXX XXXX University ( never did ), that I owed {$250000.00} ( never took out a loan ), and that Ive been in default since 2007. All wrong. Since I didnt cooperate by giving him my true information he said he was issuing a garnishment order on my pay. He was belligerent and didn't care that all his information about me was wrong. 

I called another person at his agency, who confirmed that he does work there ( UHEAA ). She said he violated several company rules. Then I spoke to a person from XXXX XXXX XXXX who said these companies use scare tactics to get money from people who don't owe and that it's becoming a national epidemic. 

Please investigate the Utah Higher Education Assistance Authority, as " XXXX 's '' tactics amount to coercive fraud.
Product: Checking or savings account

On XX/XX/year> I deposited a certified and verified funds cashiers check from a business transaction into my business account at BMO Bank in XXXX XXXX, CA. The bank indicated because my account is still considered new, there will be a 10 day hold on my deposit. On the 10th day my cashiers check was fully cleared as promised. As I started to pay my contractors by cashier check, etc. I received 2 phone calls from the branch manager ( XXXX XXXX XXXXXXXX XXXX XXXXXXXX ). I was asked what was the purpose of the cashier check. I told the branch manager why I received the cashier check which was for the sale of one of my trucks that I own for my business and the same buyer loaned me money for a future business venture with the same business. I was told my account will be frozen until I provide proof which is beyond ridiculous. on XX/XX/year> I visited the branch in XXXX XXXX and provided the requested documents ( Bill of sale & notarized loan agreement ). The branch manager reviewed my legitimate documents and decided to call me on XX/XX/year> to tell me she will be keeping my account frozen for the next 90 days for further review.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit got XXXX.cuz of a XXXX XXXX XXXX XXXX XXXX made mi company collecting on a disputed nonowned debt .i would like my credit restored by the nonlicensed debt collector tryn to XXXX me up with life thru XXXX credit controlled '' units 0ver.25centts.points im idtheft victim already struggling my score wass at XXXX this XXXX freal by a XXXX michigan hospital white ran with wanton full intent too cause me harm for reporting the XXXX for n too the state n federal government.please stop reporting calln hassling threatening this is result of idthegt i contacted several times the hospital n still recently had XXXX XXXX out of me at XXXX XXXX XXXX XXXX XXXX on XXXX # XXXX # 2017 XXXX XXXX XXXX XXXX for 'denial of excercising my constitutional right to leave the facility XXXX over hr n half XXXX XXXX XXXX  security guards threatening nurses n XXXX XXXX XXXX.n XXXX so i know how XXXX retaliatory hospital unregistered n illinous can be XXXX n battery by violent injection this is similar billing XXXX harm to cause monetary harm to XXXX but noncompliying debt collecting nonbond authority with federal gov when colecting is serious offense tho
Product: Credit reporting or other personal consumer reports

Dear XXXX or Equifax This is Information on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I Am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error, nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to request to block the identified transactions. The identified transactions are not information related to any transaction made by me as the consumer : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XX/XX/XXXX {$1700.00} XXXX XXXX  ( Original Creditor : XXXX XXXX ) XXXX : XXXX, XXXX : XXXX, Equifax : XXXX XX/XX/XXXX {$110.00}
Product: Payday loan, title loan, or personal loan

They are using fraud and fear tactics. Threats of criminal prosecution
Product: Debt collection

Discover PL has put and account into collections several times for the same account. At one point, Discover PL file d a suit in a court that was more than  XXXX  miles from my home. I had no way to attend, had I known ( I was never contacted or served ). The judge ended up dismissing the  suit. Discover PL continu es to report this account, even though a judge has dismissed. Perhaps they have filed a suit again, I do not know as I have not been contacted, just like before. But no w Discover PL is   reporting to  XXXX  as a delinquent account and as a new open collections account at the same time.  XXXX  allows it because it 's fro m Discover PL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called and tried to get the unauthorized inquiries removed and they would not.
Product: Credit reporting or other personal consumer reports

Inaccurate, fraudulent, abusive. Damage my opportunity to get credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX is still showing that I have loans with them, and I do not. 

My loans were transferred to another servicer, XXXX, and consolidated. The loans were paid off through the consolidation. They show {$0.00} on XXXX  and the department of Ed sites.

I have no loans with XXXX. In fact, I cant even login into XXXX because I literally dont have an account with them. 

I have disputed the reporting 3 times. The second time they changed the report to show about half the loans as closed and {$0.00} balance.

I think they are trying to keep the door open for collections on forgiven loans, and I refuse to be enslaved by a private corporation. 

XXXX and the reporting agencies must change my report to accurately reflect that these loans have been paid off because according to the Department of Ed, I owe {$0.00}. 
As such, XXXX and the credit reporting agencies are in violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Consumer Financial Protection BureauXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Complaint Against Capital One Regarding Account Closure Dear Sir/Madam, I am writing to file a formal complaint against Capital One for what I believe to be an unjust and poorly communicated closure of my credit card account. 

I have been a reliable and timely customer, consistently making payments on my Capital One credit card. Recently, I was issued a new Quicksilver card by the same institution. However, to my dismay, I discovered that my previous card had been closed without sufficient notice. 

As an active business person managing numerous accounts, I admit to inadvertently making payments from accounts that were not active. This error led to transactions being reversed an issue I was unaware of due to a lack of communication from Capital One. Despite their claim of sending a letter, such traditional methods are not only outdated in our digital age, but also less reliable compared to digital communication channels, which I regularly check. 

I believe this matter could have been easily resolved through a simple phone call or an email, both modes of communication that are more immediate and convenient in todays fast-paced world. My mobile number is always available and within reach, and I am surprised and disappointed by the lack of direct communication from Capital One. 

The abrupt closure of my account, without proper digital notification or a personal outreach, has caused me considerable inconvenience and potential harm to my credit score. I request the CFPBs assistance in investigating this matter and urging Capital One to reconsider their communication practices for such significant actions. It is vital for financial institutions to adapt to modern communication methods and ensure that customers are adequately informed about important changes to their accounts. 

Thank you for your attention to this matter. I look forward to a resolution that acknowledges the importance of effective and timely communication between financial institutions and their customers. 

Sincerely, XXXX
Product: Debt collection

I.Q. DATA is refusing to satisfy a judgement they hold against me with XXXX XXXX XXXX XXXXXXXX They satisfied 1 of the 2 judgements they had against me. Ive verified with the court in case there was court error and there response was that the plaintiff ( iqdata ) still has an active judgement against me and they need to contact the court stating its been satisfied.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the below creditor and they apparently have NO proof I have initiated such inquiries, nor written authorization and have failed to provide permissible purpose. Since, they do not have my authorization, written nor verbal I am asking you to kindly DELETE these inquiries from my credit report immediately as there is absolutely no evidence of my authorization, nor permissible purpose. 

According to my research, under Section 604. Permissible Purposes of Consumer Reports 15 U.S.C. 1681b ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S.C. 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete. 

The following inquiries are at issue : XXXX XXXX, XXXX XXXX, XXXX, XXXX CREDIT, XXXX, XXXX XXXX, XXXX MORTGAGE, XXXX
Product: Vehicle loan or lease

I ordered a XXXX XXXX XXXX on XX/XX/XXXX and applied for a loan with Alliant Credit Union that initially approved my XXXX XXXX XXXX. The transaction from Alliant to XXXX XXXX XXXX to the delivery guy and then back to me all confirmed ( even on their XXXX.XXXX  platform ) that the transaction from Alliant to pay the full amount of the XXXX XXXX  XXXX was paid in full, showing on my profile that at delivery I owed XXXX {$0.00}. I took screenshots of the {$0.00} owed to celebrate the victory of my delivery scheduled, withy profile showing the trade in of my XXXX XXXX for {$1000.00} and XXXX XXXX insurance task completed. A few days before delivery/pick up, Delivery Specialist, XXXX, from XXXX calls me to inform me of the loan suddenly not being approved even though my profile and all of my paperwork showed that I owed XXXX {$0.00}. In the same week one of XXXX 's finance personnel from XXXX XXXX tells me that finance was " squared away '' and that we were " good to go with everything ''. Weeks turned into months, and I applied more than once with Alliant Credit Union for the Auto Loan with denials the second and third time all while the model order and vin that I ordered sat in transit, reflecting the total amount of the car being owed again. All screenshots can be viewed here of before and after transactional discrepencies that contradict original documents and agreements made. XXXX : XXXX Emails and confusing text messages of the XXXX and Alliant Credit Union staff can be provided via XXXX XXXX, XXXX XXXX XXXX, or any other cloud service of your choice.