23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 
XXXX  XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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

A discover bank credit card was opened in my name on XX/XX/2020. This card was charged up to {$910.00} without any of my knowledge by another individual I have no contact with. I am unable to interact through payments or canceling the card as I have no knowledge of the full card number or account name it is under.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I was notified by XXXX that I would not be XXXX XXXX XXXX XXXX XXXX  because of a criminal record, reported by Hire Right LLC. The company then listed some charges that were supposedly against me. The problem is I have no criminal record whatsoever, never have and there no charges against me at all. I double checked with the police department. I have no charges. Simply because my name is on court papers as I was a witness to a situation and had to speak to the police and was sent on my way this company is tying me in with the charges that were pressed upon the actual offenders of the law. I was in no way charged, never have been. My record is perfectly clean. I tried explaining this to XXXX and even spoke with a support agent of theirs to show proof of my clean record and clean criminal report from the jurisdiction they were inquiring about but to no avail because they said they still cant hire me until it is taken off of my consumer report. I am highly upset however because it should have never been on my consumer report in the first place because Im not a criminal, I have no charges and no criminal record and simply because this Hire Right LLC company didnt do their due diligence in obtaining correct information Im now out of a job I was for sure going to get as stated by XXXX XXXX I am the mother of XXXXXXXX XXXX  that I care for by myself with no help and because of this company and their false info I cant earn extra money with XXXX who Ive been using for years. I only want the false info taken off of my report and if that cant happen I would like to know the necessary steps to take for legal action against Hire Right LLC for documenting me as having charged when I certainly do not and never ever had. Thank you so much.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter regarding my credit report with Experian. On XX/XX/XXXX, I contacted Experian regarding the presence of incorrect information on my credit report. To this date, I have not received any response from them. I wish to report the following inaccuracies and request the necessary corrections : Account Details : Account Name : XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Current Balance : {$25000.00} Remarks : This account does not belong to me and should not be on my credit report. I kindly request its immediate removal.
Product: Student loan

On a series of XXXX federal student loans with 2 discharge dates separated by a couple of months, I made over the 120 payments while discharge was being processed. Mohela owed me just over XXXX from making payments beyond the 120 required payments. I called multiple times to get my refund issued and they said they would send it. Now, 5 months later, they are now saying I am owed no balance as they get to keep everything paid to them up to the formal discharge processing. I then read to the agent the verbiage from Studentloan.gov verbatim, " If your qualifying payment total is at 120 or more, you can opt into forbearance and stop making payments on your loans. If you continue making payments, any overpayments will be refunded if you have no additional outstanding loans. '' Agent XXXX ( XXXX XXXX ) said I was incorrect and I would be getting none of my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018 XXXX  XXXX  Did not show me proof 609 act They responded but no proof with my name according to the 609 act
Product: Debt collection

Portfolio Recovery continues to contact me regarding a debt, that I have no recollection of and continues to report with the three major CB. I have filed several disputes asking for validation other than a bill from years ago. It seems as if they should have some type of signed contractual agreement entered into by me in order to continue their reporting and contacting me. According to Portfolio, they are attempting to collect XXXX for XXXX XXXX for a company called XXXX XXXX XXXX XXXX. I'm simply asking for proof that other than a bill from XX/XX/2012, ie a sign contract, just simple proof that it was actually an account that I am responsible for
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX  XXXX of inquiry : XX/XX/XXXX, XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX  Date of inquiry : XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX, XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account XXXX : XXXX
Product: Money transfer, virtual currency, or money service

On XXXX My coinbase account was restricted and I had no clue about why. As soon as I saw that my account was restricted I asked for support and thats when I found out that I had received an email on XXXX about information to verify my account. I have sent them all the documents they have asked for and they have failed to unlock my account. They keep on asking for more information to verify my account when I clearly provided everything they need. The people who apparently are investigating my case keep on saying that they cant verify my account. I have asked for a phone number to contact or an office to visit but apparently there isn't any. It is now XXXX and I don't have any access to my money.
Product: Credit reporting or other personal consumer reports

I have over 20 hard inquiries on my credit reports I did not authorize.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a complain with the CFPB about an issue I had with U.S. Bank ( details of that complaint below ). U.S. Bank stated they would resolve the issue back in XX/XX/XXXX, it is four months since that reply and yet nothing has been resolved from their end. I've tried contacting them via phone, but they refuse to acknowledge the complaint was ever received or " resolved '' and are insisting that it isn't in their systems. I have a written response from U.S. Bank that was sent through the CFPB, but yet they haven't done what they stated they would be doing in the letter as my credit inquiry is still showing up on my report.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/2023, I made a online payment of {$73.00} to Titlemax. I then went to the store located at XXXX XXXX XXXX, XXXX, XXXX. I made a cash payment of {$550.00}, The amount due was {$620.00}, which is what my payments totaled, My payment was not due until XX/XX/XXXX. A few days later I started to get calls from Titlemax, I told them that I already made my payment. The manager wanted to know when did I make it. I informed him that it was made on XX/XX/2023. He then informs me that my signature didn't go through. I asked him to stop calling me. I had made my payment on time. The calls continued. I then went to the store, receipts in hand. He again tells me that my signature didn't go through. I again asked that they stop calling me. I have received calls on a daily basis. I called again and asked that they stop calling me. The young lady that I spoke with said that she would note this to my account. The calls continue on a daily basis. I went again to the store and spoke again to the manager. I told him to stop calling me. I told him to stop harassing me. He left a voicemail threatening to take my vehicle. He said it was an IT issue. He then tries to pressure me into making another payment. This was XX/XX/XXXX. I told him I would not make XXXX payments in XXXX month. He said that's not XXXX payments in XXXX month. I told him absolutely not. He did this XXXX times. I told him that I would file a complaint. He said I can not in the state of Alabama. I told him that I can, and I will. The calls continue.
Product: Bank account or service

I tried to get a credit card with huntington. They told me to get the app because I 'm under XXXX. I got the app and it took me back to the standard huntington automated line. I then asked for customer service and they told me I had the wrong number and transfered me. After being transfered they had me speak to some man in the XXXX that I could barely understand. He proceded to tell me to go online and apply for a credit card and hung up on me. I am furious this needs solved this is unfair to people on their own under the age of XXXX trying to get a head start on life. I have a decent job and all I want to do is build my credit so I 'm better off by the time I 'm in my XXXX 's please help!
Product: Credit card

I received a refund from XXXX on XX/XX/year>. There was a {$0.00} balance on my account at the time the refund posted to the account. I spoke with a representative from Fortiva on XX/XX/year> to initiate the refund process. I was told it will take XXXX business days for internal processing and XXXX business days to receive the check in the mail. I followed up with Fortiva XX/XX/year>, I had to escalate the call since the representative told me inaccurate information and was told by a " supervisor '' that a check will be issued that day and normal XXXX Mail timeframe to receive. Upon speaking with someone today ( XX/XX/year> ) I was told that due to the amount ( {$2200.00} ) no check has been mailed and there is still internal processing that is needed before the refund can be sent. He mentioned he could not give me a timeframe on when it will be complete " maybe a few days '' This has become incredibly frustrating, I feel deceived and lied to. Every time I call I'm told different information. I simply want accurate information regarding this and my money refunded back to me.
Product: Credit reporting or other personal consumer reports

I am writing to report an issue with a loan serviced by XXXX XXXX, which has resulted in incorrect reporting on my credit report. Despite my diligent efforts to address this matter, the incorrect loan amount continues to reflect as late, although the payment has been made in full and on time. 

Specifically, I have reached out to XXXX XXXX to rectify this inaccuracy, but they have not taken appropriate corrective action. Additionally, I have disputed this error with the three major credit bureausXXXX, Experian, and XXXX the inaccurate information remains uncorrected. This error is negatively impacting my credit score and financial standing, and I am seeking the CFPB 's assistance in resolving this matter to ensure accurate and fair reporting.
Product: Payday loan, title loan, personal loan, or advance loan

I applied and received a personal loan from One Main financial and was sold add on services.
Product: Credit reporting or other personal consumer reports

I looked at my credit report and noticed everything still the same.. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX has voliated my right.

and according to 15 USC 168I 5 they are suppose to do this ( 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 promptly delete that item of information from the file of the consumer. 
The person has been notified by the consumer at the address specified the person for such notices, that specific information is inaccurate and the information is in fact inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I had opened two accounts with Popular Direct- {$50000.00} 2 year CD and Savings Account with {$5000.00}. Accounts were both opened normally without any issues in early XXXX. On XX/XX/XXXX, I asked about linking additional bank accounts to my savings account and I was informed that I could only link one account. Well, I had two already linked because each account was opened with money from a different bank. 

On XX/XX/XXXX, I asked for complete account number for my savings account and I was informed that they would not give me the number because they were closing my account. No reason was given. 

I was able to still access my accounts on XX/XX/XXXX, but on XX/XX/XXXX my access was blocked. No reason has been given. No formal communication has come from the bank - even though it has been requested three times now. 

I have no guarantees as to if I will get my money back. Customer Service says my accounts will be closed on XX/XX/XXXX - 10 days from now. And it will take another 3-5 business days from me to get my money. 

Customer Services response is that they can file a complaint. Thats it. 

How did they get a license to do business? 

And how do I get my {$55000.00} from them?
Product: Credit card or prepaid card

Charger 2x for the same payment to the same company and the company told me I had to call the XXXX XXXX XXXX because it was an issue with XXXX XXXX XXXX saying the payment did not clear and then took the same payment again. {$2000.00} was taken out of my card unauthorized to GM financial and GM financial is telling me they can not resolve it, XXXX  XXXX XXXX has to stop/cancel prevent the unauthorized charge from clearing. Now my family have no money and it is only XXXX? 
I tried to contact XXXX  XXXX XXXX customer service to decline the payment but was placed on hold for 2 hours and the phone disconnected so the issue could not be resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX : 1. Submitted on XXXX XXXX, 2023 File number : XXXX Completed on XXXX XXXX, 2023 ITEM IN DISPUTE : XXXX XXXX XXXX XXXX DISPUTE REASON : I have no knowledge of this account. 

CONTACT INFORMATION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RESULT : Disputed information was verified as accurate XXXX investigated your dispute but the information was verified as accurate. Other information was also updated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Today on XXXX i was alerted that there were XXXX hard inquiries on my credit report. i never authorized these inquiries and would like them to be removed from my credit report as soon as possible, thank you so much. 

XXXX - XXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

XX/XX/2020 they received and acknowledged my dispute to XXXX   XXXX & Equifax  and me requesting validation of proof of contract to show that the account is mine. The collections agency refused to send proof or verification and I want these items removed from my account immediately. 
XXXX XXXX XXXX  {$0.00} Depart of veterans affairs {$0.00} Department of veterens affairs {$0.00} Department of veterans affairs $ XXXX XXXX/ XXXX XXXX {$0.00} XXXX XXXX {$720.00} XXXX XXXX {$1200.00} I also asked for proof of late payments and was only told the account was verified and was never sent the proof for men XXXX XXXX  I want my payment history updated to paid on time for XXXX XXXX {$9300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. All the credit report companies Equifax, XXXX and XXXX are all reporting late payments on my credit report. 
XXXX All the credit report companies are reporting hard enquiries without my authorization.
Product: Credit reporting or other personal consumer reports

I have tried to resolve this issue with the company above that I have not sign any contract with are submitting collection on my credit report. After so many attempt they continuously damaging my credit report by submitting false claims even after I ask for the original contract it was never provided to me.
Product: Credit reporting or other personal consumer reports

XXXX Subject : Dispute and Demand for Reinvestigation of Items on Credit Report To Whom It May Concern, I am writing to formally dispute the accuracy of certain items reported on my credit file. Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I request that you reinvestigate the following items and provide prompt verification of their accuracy or remove them from my credit report : 1. Account Name - XXXX /Number XXXX 2. Account Name XXXX XXXX /Number XXXX 3. Account Name XXXX XXXXNumber XXXX Under 15 U.S.C . 1681i ( a ) ( 1 ) ( A ), you are required to conduct a reasonable reinvestigation of disputed information within 15 days of receipt of this notice. Additionally, under 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), if you can not verify the accuracy of the disputed information, you must delete the information promptly. 
Legal Precedents and Statute of Limitations It is critical to note that inaccurate or unverifiable information may not remain on my credit file. Furthermore, you must consider the applicable statutes of limitations governing the reporting of negative information : 1. XXXX v. Experian Info. Solutions, Inc., XXXX U.S. Dist. XXXX  XXXX : This case reaffirms the requirement for credit reporting agencies to ensure the accuracy of information and to remove any unverifiable data promptly. 
2. XXXX v. XXXX XXXX. XXXX, XXXX , 690 F.3d 1100 ( 9th Cir. XXXX  ) : This decision highlights the obligation to conduct a thorough reinvestigation, underscoring that failure to comply with 15 U.S.C. 1681i constitutes willful noncompliance, with statutory damages applicable. 
The urgency of this matter can not be overstated. The continued presence of inaccurate or unverifiable information on my credit report directly harms my financial standing and ability to secure credit. Delayed or incomplete action on your part would not only violate federal law but may also subject your organization to legal action and liability for damages under 15 U.S.C. 1681n and 1681o. 
15 U.S.C. 1681i ( 7 ) Additionally, I remind you of its obligation under 15 U.S.C. 1681i ( a ) ( 7 ) to provide a clear and complete description of the reinvestigation process. Please include a detailed summary of the procedures used to verify the disputed items, as required by law. 
Documentation To assist in your investigation, I have enclosed the following : A copy of my government-issued ID and proof of address Request for Resolution I expect a response within 15 days of receipt of this letter. Failure to comply with your obligations under the FCRA will leave me no choice but to seek legal remedies to protect my rights. Please notify me in writing of the results of your investigation and any actions taken or delete these items promptly. 
Thank you for your immediate attention to this matter. I look forward to your swift response.
Product: Consumer Loan

I co/signed for a car for my son in 2007 he and his wife left me with the payments that I could not make. The car was repossessed. The car agency called me after the repossession to inform me of what happened and asked me to make payments. The car was sold at auction but a {$10000.00} balance remained unpaid. This went on my credit and stayed on my credit for 7 years. I recently went to my credit union and they told me that the repossession has been reported again. It remains on my credit although its been over seven years. I am unable to use my credit due to this problem that will never go away. I am a senior on a fixed income who needs access to a good credit score, I pay my bills.
Product: Debt collection

I've filed complaints against the business about this debt, they didn't reply and it was turned over to the FTC. I also filed a complaint against the company trying to collect the debt originally, XXXX, who left voicemails telling me if I didn't pay they would hurt my credit and then sold the debt to someone else to collect now, who is saying if I don't pay it, it will be the same result. 

I joined on a free trial, I used the gym one time at XXXX and told the front desk employee it wasn't for me and I needed to cancel. She replied that no one was there that could handle that right now but she would take my info and when they arrived they would " take care of it for me ''. There was no additional information about needing to come back in, or check back, or etc. So I considered it settled and went about my business. 

3 months later the phone starts ringing about this membership I considered closed, pushing a ridiculous amount nearing {$400.00}. 

I called Aldous & Associates and told them I deny the debt, explained the situation and offered to settle the debt for a reasonable amount. They refused, told me it was all or nothing and that I didn't have recourse if I disagree with what they are asking for. 

The gym industry doesn't like to cancel people and its a running known situation some sit on cancels instead of doing them/communicating errors in process because overall they want collect dues. 

I feel this whole process has been predatory.