23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I applied to be pre-qualified for an Auto Refinance Loan. When i apply by myself, I am approved. However, when my girlfriend, that is a XXXX  resident, is added as a joint applicant, we are denied. 

She has a credit score of at least XXXX, a salary of {$37000.00} and does not have any major loans or debts with the exception of one credit card at {$8000.00}. My credit score is XXXX, my income is {$77000.00} and my rent payment is only {$500.00}. 

We applied for a loan at Capital One for {$22000.00} and were denied. Reference number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a collection account that was put on me by XXXX XXXX back in XX/XX/XXXX that I had no knowledge of receiving because I changed my address and moved out of state in XX/XX/XXXX. Even though I have filed numerous disputes to all three credit bureaus stating my claim and included information, I also payed the debt in full to the collection agency, it still is showing as a negative account as a paid charge off on my credit and has caused me to not achieve my credit score and goals that I want. Also the XXXX Credit Bureau is showing that the account is only 2 years old and that is not accurate, the account is nearly 7 years old. I would like this collection account removed completely from all three bureaus. Here is the account as shown on my experian credit report. 

XXXX XXXX Account Number XXXX Account Type Unknown Terms 1 Month Date Opened XX/XX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a charge-off Status Updated XX/XX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Ownership Individual Original Creditor -  Company Sold-to - Original Amount {$170.00} Comments
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX on XXXX XXXX XXXX and Consumer Portfolio Services financed it. I am an XXXX XXXX XXXX and my work stopped as soon as the shelter in place order went into affect. I told the lender what happened and that I would be signing up for unemployment. They have called me every day including Saturday 's since then. In California Self Employed people could not even sign up for unemployment until XX/XX/XXXX. I told them that calling every day was harassment and to stop. They gave me an extension on XX/XX/XXXX but my account was immediately overdue the following day and they started with the calls every day after that. I still have not received unemployment or my stimulus check. I don't know if what they are doing is illegal, but it is a terrible way for a business to behave during a national crisis
Product: Debt collection

I am filing this CFPB Identity Theft Affidavit to report a fraudulent account appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. This fraudulent account consist of MIDLAND CREDIT MANAGEMENT I HAVE KNOW NOTHING OF THIS ACCOUNT AND HAVE NEVER APPLIED FOR IT. A FTC complaint has also been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, THE CFPB block this erroneous information appearing on my consumer credit report that is the result of identity theft and fraud
Product: Credit reporting or other personal consumer reports

XXXX has my student loans on my report as negative and late payments. They have XXXX on there which I never owed because it was always in forbearance, and now the company isn't even operating and it's still on my credit XXXX as a late payment and that's not accurate. 

XXXX XXXX is also inaccurate as I consolidated all of my loans, and I owe nothing on the loans, this information is all inaccurate. 

XXXX is inaccurate as I have proof that I closed the account and sent over the information to them and the balance is still on my account. XXXX XXXX XXXX states that I owe them and that is also inaccurate information, it is not my account, XXXX in the amount of {$710.00} I have a medical bill on my credit that I also do not owe and have disputed and they still report it as mines. XXXX in the amount of {$830.00} The US department of EDUCATION IS also all inaccurate as I have consolidated and this information is not correct on my credit XXXX Please note that these negative marks are found on my credit reports on all three credit unions including Experian and XXXX as well. The fair credit reporting act along with the local state laws, require fairness on my reports to which they have not been fair or accurate. 

THANK YOU
Product: Checking or savings account

The refused to refund my money from a scam Ive been fighting since XXXX of XXXX. And twice now Ive requested information regarding money missing from my account and the advocate will give me a generic response that when I question it showing proof I was sent back to automatic chat bot and can not get help. It has now totaled almost {$300.00}.
Product: Debt collection

I have issued a cease and desist letter for myself and my workplace. I requested all information about this debt as I have not received anything that validates this debt. The letter and request has been sent by certified mail and will reach them in time before our hearing next week. I have received nothing but garnishment notices from this company and they continue to harass me, embarrass me, and create an unjust amount of hardship on my life.
Product: Money transfer, virtual currency, or money service

I am writing in concerns with a fradualent charge totaling to the amount of XXXX XXXX My name is XXXX XXXX and I am a XXXX XXXX from XXXXXXXX XXXX that works at XXXX XXXX # XXXX, who since the benefits, decided to bank with XXXX  who is in relation with XXXX XXXXXXXX XXXX. On XX/XX/XXXX XXXX XXXX $ dollars was added from my bank card which was linked to my Cashapp and was used to buy XXXX at XXXX and then transferred out my account. On the same day XX/XX/XXXX XXXX another transfer of XXXX $ was transferred from my account to my cashapp to do the same process. Then on XX/XX/XXXX XXXX XXXX $ was then added to cashapp and bought XXXX  to be transferred out in the same fashion. When I realized what happened I immediately contacted cashapp to dispute firstly through the app which is the most frustrating thing ever. Then I decided to just call, the representative was unable to understand my claim due to a language barrier and told me to wait for an email to be updated on the issue. I was unable to provide any details or screenshots and they denied me the next day. I asked for documentation and they told me they could no longer do anything which I tried reopening the case and to no avail receiving the same automated response of denial. At this point I seen forums saying to reach out to their actual bank in this situation due to cashapp being the worst in disputes. So I called XXXX over the phone to file a fraud dispute claim then I was told I will be updated through email on updates on the claim. On the phone the representative told me, The provisional credit would have been issued on XX/XX/XXXX, and I asked for confirmation multiple times and he said yes. I was very concerned and wanted more help due to the amount taken from me but the XXXX agent rest assured I will be okay. Then days later I had no update, so I then called to see a status and through email I was told my provisional credit would be issued on XX/XX/XXXX and no additional documents were needed. I asked constantly if they needed anything whatsoever they said rest assured nothing else is needed. More time passed I asked on an update and the representative XXXX XXXX he stated, As informed earlier in the previous message, your provisional credit is going to be on XX/XX/XXXX which is XXXX business days. Best in this manner seemed to come off as rude saying again it will be on XX/XX/XXXX then XXXX days before the date I was denied the credit in panic I emailed XXXX and texted the XXXX support chat to get more clarification more evidence to see the problem but still I have yet got a resolution I was banking on this money at this time for bills. After countless attempts I didnt know who else to turn to. Now Im in a state of limbo for basically all my savings for charges I havent authorized.
Product: Credit reporting or other personal consumer reports

I paid my XXXX XXXX  off in XXXX of 2024. This company continues to report a balance owed which is detrimental to my credit and reputation. I have repeatedly contacted them directly and also disputed through the credit bureau. They refuse to correct the information and I have given well over 30 days at this point. This is a violation of my consumer rights and the FCRA. I demand they delete the tradeline from my report immediately. If not, I plan to file a lawsuit against this creditor and the credit bureaus for violating federal law for inaccurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CFPB, I would like to investigate the account listed below as if is not reporting correctly on my credit report XXXX XXXX XXXX I am feed up with the 3 credit bureaus Equifax XXXX XXXX, and XXXX for not responding and rectifying my problem in a timely manner and not following the laws and rules that they agree to. I sent out letters to them on XX/XX/2022 and XX/XX/2022 and still haven't had anything done these accounts showing on my credit report is not correct. I'm asking your company to handle this matter and get these credit bureaus to correct these inaccurate accounts. From my understanding this law FCRA623 ( a ) ( 8 )
Product: Mortgage

Upon trying to setup my account information after my loan was sold to Chase, I was informed that my external account was in use by Chase, however I nor any family member have a Chase account. After calling I was informed that I simply need to add XXXX to the account number. Upon trying to deduce exactly why my external account information was being used the senior online associate continued to avoid the question and upon further requesting information the senior associate disconnected the line. After calling back and being routed and rerouted I was told to send an email. Im astounded by the lack of concern with system noted fraud and identity theft
Product: Debt collection

CREDIT COLLECTION SERVICES is a result of identity theft. I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$130.00} does not belong to me. This account was fraudulently opened through this company in XXXX XXXX XXXX an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXX my credit score with Equifax was XXXX, in XXXX it decreased by XXXX to XXXX, in XXXX it increased by XXXX pts to XXXX, in XXXX it decreased by XXXX pts to XXXX give or take. When I called Equifax, the Equifax representative could not explain what happened. There is no reason for my credit score to decrease like this. According to a source that I use, it showed me that the reason for my Equifax credit score decrease was because of my XXXX/XXXX  Account Number XXXX, it showed that the date reported in XXXX was XXXX and in XXXX it was XXXX. The other Account is XXXX, Account XXXX XXXX, the date reported in XXXX was XXXX, the date reported in XXXX was XXXX. 

I noticed that these accounts were put in a bankruptcy back in XX/XX/XXXXalone with some other accounts and I believe that these accounts may be getting re-aged by the different dates I noticed Equifax are putting in them, I disputed these accounts, because they are not showing accurate information concerning dates and balances even though it was filed in a bankruptcy, but this should not cause my credit score to go down. I did the same thing with XXXX  and my credit score has only gone up. 
I have disputed the inaccuracies with these accounts that were put in bankruptcy more than once and it is still showing inaccurate and incomplete information. The same amount my credit score has decreased with Equifax, it should have increased by the same amount, my credit score should be in the XXXX at this point, I have not been late on paying any of my bills, my revolving accounts are paid on time and they have been paid down some more, my installment accounts have consistently been paid on time and more. 

Documentation of proof can be provided upon request if needed.
Product: Student loan

Received and submitted paperwork for XXXX and XXXX XXXX several time only to be told that it was the wrong paperwork or sent to wrong department. It was paperwork they provided and sent per their instructions. XXXX XXXX received an email stating " The application was received on XX/XX/XXXX. The application is under review. A letter of determination will be sent when the review has been completed. '' I have not received a letter of determination. Placed a call in XXXX to inquire and was told that the review had not been completed. Called in XXXX told by XXXX that these loans were being reviewed for discharge and I shouldn't worry about the disability. After further questioning he said he could see where the Disability had been turned in and was under review but it was in the wrong department. I was transferred and repeated the above and was told that they would need to send via mail the disability paperwork. Have not received it but yesterday a letter dated XX/XX/XXXX that states the loans have been turned over to Navient Recovery their collections department. 
I am the co-signer these loans originated in XXXX, XXXX, XXXX. The person the loans were issued to has continually said that she was told and sent email that confirmed the discharge of all her loans including the 3 I am on. When they were forwarded to me by her it only shows one of the 3 loans I co-signed for. When I asked Navient for confirmation of her claim I have received NOTHING except repeated automated phone calls and request for payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seven years from the original delinquency date of the debt after which it was never again current. 

XXXX XXXX XXXX XXXX is using charge off date not original delinquency date to determine the 7 year mark and has refused to remove this old debt from my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX  fl, XXXX, XXXX XXXX XXXX XXXX XXXX fl XXXX XXXX XXXX XXXXXXXX XXXX XXXX sc XXXX XXXX XXXX XXXX XXXX, fl XXXX, Accounts, XXXXXXXX XXXX XXXX, XXXX  XXXX, XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX According to the fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to request the reinstatement of my accounts with XXXX XXXXXXXX and XXXX XXXX XXXX  XXXX, which was recently suspended or deactivated which I did not request to be done also did not authorize anyone to delete it. 

Accounts Details : Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Email Address Associated with Account : XXXX I kindly ask for your consideration in reinstating my account. If there are any steps or additional information needed to facilitate this process, please let me know, and I will promptly provide what is required.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

XXXX was previously deleted from my credit reports due to the account not being mine. The account has now reappeared to my Equifax as a delinquent account. This account is not mines. The balance on the account is XXXX.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED FRAUDULENT INQUIRIES. 
TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see attached Credit report. 
I noticed some inaccuracies and would like them investigated Fair Credit Reporting Act gives me the right to have accurate reporting on all bureaus reporting. The attached will show Huge inaccuracies across the board. Rendering it almost impossible to find a place to live or a better job. 

Also if the XXXX XXXX bankruptcy is XXXX .Please remove it from the remarks and my report entirely
Product: Debt collection

These companies are reporting fraudulent inaccurate information on my credit report. 
I have requested that they provide the purchase agreement to show full ownership of such account and all other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting or other personal consumer reports

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


Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

This account was created from drs it shows up on my credit as the exact same amount billed on the same day two times. Somehow they have put a duplicate charge on my credit report for the same date time and amount. I have disputed this and they sold off the account numerous times then added the two together and took XXXX dollar off after I disputed the double charge to get around what they are doing. They keep reposting this incorrect information on my credit report by selling it every time I dispute it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or prepaid card

My credit report is reflecting incorrect information with my  credit score  being affected due t o JC Penny reporting late payments on an account I had. I have reached out to JC Penny customer service directly and was told they would note my account and update their system and as a courtesy correct this. It has be  en 30 days and the i nformation is still the same with no correction on my credit report.
Product: Mortgage

My mother applied for a mortgage with Jersey Mortgage Company. The mortgage broker XXXX XXXX contacted me asking if I would consider being a co-applicant with my mother on her mortgage. I explained to XXXX XXXX I have a XXXX credit score and XXXX in student debt and I do not feel comfortable assuming more debt. XXXX XXXX continue to call me at work assuring me he would only run my credit for informational purposes to give me an understanding of what I could possibly qualify for. 
Somehow the mortgage was issued under my name and I received a phone call from XXXX XXXX agency in XXXX New Jersey. 
The employee asked me to meet her in XXXX XXXX XXXX  to sign mortgage closing documents. This sounded very absurd to me considering I never agreed to be a co-applicant on my mothers mortgage. I have been unsuccessful at disputing this error with the credit bureaus. I am requesting immediate deletion of this error made by the mortgage company. Please check payments made on this mortgage account which were paid by my mother XXXX XXXX the sole owner of this mortgage.
Product: Debt collection

This debt is unknown, owner of this credit report has no knowledge of all the parties involved. Owner never lived in that state where apparently debt originated from. Owner never engaged in XXXX, nor lived in that state. Remove this from my Credit report, until we dive into what is happening, to prevent more casualties this is causing on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXnsurance gave me a quote on increasing my auto insurance and they automatically applied it to my account when I noticed about 2 days later I immediately called and canceled it. The information reported is false.
Product: Credit reporting or other personal consumer reports

I sent a dispute letter to Experian, XXXX XXXX, and XXXX in about XXXX or XXXX of XXXX, disputing accounts that are not mine, yet they verified them as belonging to me. This is stressing me out. Please help me with this.