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

On XX/XX/XXXX, my wife and I purchased a XXXX XXXX XXXX from XXXX XXXX in XXXX, TX. We choose to finance through the dealership. Upon selecting the vehicle, agreeing on a price and beginning the process of purchasing, we were required to sign a document authorizing them to run a hard credit check. At this time and before signing the document I verbally confirmed with the salesman ( XXXX ) and the finance manager ( XXXX XXXX ) with XXXX XXXX that my credit report would only reflect one ( 1 ) hard inquiry. Both confirmed that there would only be one ( 1 ) hard inquiry. XXXX XXXX XXXX took an audio recording of the conversation which should confirm this statement. On XX/XX/XXXX, after the purchase was completed, I noticed on XXXX XXXX that I had received three ( 3 ) hard inquiries from this transaction. According to the XXXX details shown on this service, the three ( 3 ) hard inquiries were from the following vendors : 1. XXXX XXXX ( XX/XX/XXXX ) 2.  XXXX XXXX ( XX/XX/XXXX ) 3. XXXX XXXX ( XX/XX/XXXX ) Upon noticing this, I contacted XXXX XXXX XXXX with XXXX XXXX to attempt to resolve this without filing a formal complaint on the following dates : 1. XX/XX/XXXX - Phone call - left a voice message 2. XX/XX/XXXX - Email to XXXX XXXX 3. XX/XX/XXXX - Email to XXXX XXXX To date, neither XXXX XXXX XXXX nor any other employee with XXXX XXXX has returned my calls or emails to fix this issue. The contact information for XXXX XXXX is as follows : - Phone : XXXX - Direct ( XXXX XXXX ) :  XXXX - Email : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1700.00}, {$22000.00}, {$20000.00}, {$0.00}, {$0.00}, {$5700.00}, {$400.00}, {$500.00}, {$92.00}, {$710.00}, {$2300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXXXXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1700.00} -This is not my account. 

2. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$22000.00} -This is not my account. 

3. XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$20000.00} -This is not my account. 

4. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO ACCOUNTS 6. XXXX XXXX XXXXXXXX, XXXX. with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5700.00} -This is not my account. 

7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$400.00} -This is not my account. 


-- COLLECTION ACCOUNTS 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$500.00} -This is not my account. 

9. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$92.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$710.00} -This is not my account. 

11. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2300.00} -This is not my account.
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  Bankrup tcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number 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 or other personal consumer reports

My wallet was stolen a while ago and it contained all of my personal information which included my identification card and social security card. My credit has been misused so much and I have filed countless disputes which lead to nothing being resolved. Eventually I was forced to file Bankruptcy thinking it would come off my credit. Now I have a Bankruptcy to add to the fraudulent accounts on my credit. I even filed a claim with XXXX when my information was breached. My end result with that was nothing as well. I just want these fraudulent account deleted off of my credit. This is effecting myself so harshly. There is XXXX accounts from the same exact company. I've contacted them and filed a dispute with bureaus countless of times.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Payday loan, title loan, personal loan, or advance loan

One main financial, I had insurance in case I lost my job or was laid off at any time. I was sick and out of work. They put up a judgment against me instead of complying with their insurance payments. I once started paying back to the company they sold my information too. Then I was sick contacted XXXX XXXX and associates, they said oh it's fine contact us once you get back employed. They started a garnishment behind my back after I contacted them multiple times. I keep all correspondence because of scammers like the two companies.
Product: Debt collection

On XX/XX/XXXXXXXX  I was served a court summons from a company Midland Credit Mgmt regarding a debt/bill in the amount of {$2000.00}. the originator of mention debt is a company by the name of XXXX XXXX XXXX XXXX. I have never solicited, requested or conducted any business or transactions with this company the original date of alleged transaction was XX/XX/XXXX. the accompanying documents only illustrate the alleged billing amount no detailed itemized invoice showing how funds/monies were distributed and what they were used for. Since the time of summons I have had 2 court dates XX/XX/XXXXXXXX  and XXXX. To dispute those charges the latter date was final judgement where I was found liable for those charges. I went both times representing myself they had legal representation. I find this an injustice and I will not stop pursuing avenues to clear my name until I am fully vindicated for this grave error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent multiple letters and had several phone calls with various agents regarding this issue. The company has ignored all factual information provided and demands. 

I have filed two separate disputes with credit agencies-regarding inaccurate reporting to credit agency. Results from disputes filed show additional inaccuracies. first dispute filed XX/XX/22 second dispute filed XXXX/XXXX/22
Product: Credit reporting, credit repair services, or other personal consumer reports

There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2019, Absolute Financial Services ) add a hard inquiry on my credit reports. 
But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. 

To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

We filed a previous complaint with Chase Bank. Our issue was not resolved to our satisfaction. In fact, they escalated it to their " executive office ''. Assuming our complaint was responsible for the horrible, rude service we received when they contacted us. We kept asking to speak with a supervisor and were constantly told they were the executive office and it could not be escalated further. When they admitted they had supervisors, we commented we had yet to speak to an XXXX XXXX XXXX XXXX XXXXess the person whose signature was on our letters, which is XXXX XXXX. The last person we spoke with was XXXX XXXX never a full name ), who blatantly told my husband he could not speak to his supervisor. This speaks to a horrible culture where staff are terrified of their management and taught to treat their 30 year customers rudely and with disdain. This entire issue began in XX/XX/2020 and continues today. If you go online, the first screen that pops up is to go paperless. You must be very careful not to ignore this screen because it has paperless as a default, NOT your default preferences. They should not be able to change your preferences, but they do so stealthily. They are trying to trick you into this, then if you miss something, they XXXX your credit. Further, when you go into different account screens just wanting to access your documents, you have to go through this entire charade again. One mistake and your default preferences are altered to their liking. This is absurd, and an abuse of their corporate responsibility to their customers who are the only reason they exist.
Product: Debt collection

Received letter from US Department of Treasury Fiscal Services today XX/XX/19 that my refund was applied to a debt to US Department of Education ( XXXX ) XXXX. I called the Department of Education and spoke to 2 agents and both stated that the agency did not withold my refund. I called the US Department of Treasury Fiscal Services and the number was an automated line ( XXXX ) XXXX and it stated to call ( XXXX ) XXXX Coast Professional Inc. in regards to the money. I called and spoke to an agent named XXXX who was very rude and spoke in a harsh tone to me and told me that she could not tell me anything about the reason why my money was taken and told me to call ( XXXX ) XXXX. Then hangs up on me. I called the number but the female agent that answered told me that it was the wrong department and for me to call Coast Professional Inc. I told her I just got off the phone with them and spoke to a XXXX and was told by her to call this number. I then asked for the Supervisor and he came on, named XXXX and he said he couldn't tell me anything about why my money from my tax refund was withheld. Then I hung up and now I am filing this complaint. They took {$7600.00} and are refusing to tell me why. In addition, the letter from the Fiscal Services states, " Before sending a debt to Fiscal Service, an agency must send notice to you. '' My husband and I never received a notice from Coast Professional Inc. about any debt nor about our tax refund getting garnished prior to the letter received today XX/XX/19. This should not be allowed and this is theft.
Product: Debt collection

Last week they spoke to my daughter ( who answered my phone as I wasn't there ) and gave her specific details about what I owed, that legal action would be taken, that I twice tried to defraud the company, that my payment was declined. They also contact my father, who I would never use as a reference. They also contact my sister, after she told them I was not at that number, and left her very rude voicemail intended for me ( knowing it was not MY phone number ) that they were seeking legal action against me. 
On initial phone call I asked for letter, or written proof of who the original creditor was and they would not give it to me. They said it was from 2016 but used an address that I have not lived at in about last 13 years.
Product: Credit card or prepaid card

I started to appeal to this bank at least two months ago, if not more in regard to the impending interest that would be expiring in 18 months from the date of purchase and that would be this month, in XX/XX/XXXX. They outright denied my requests. I just signed into my account and to my absolute shock and horror I seen that my min payment had gone from {$67.00} per month to {$320.00}! I didn't even understand how this was possible and looking further into my statement activity online I seen I was just assessed XXXX in interest this month. XXXX?? 
I knew i would be assessed interest but i thought it was somewhere in the realm of $ XXXX {$1500.00} which is still not ideal but of course not at all what this is. 
There is no way I can afford this. Are they kidding me? I appealed to them to work with me and they would not. I am not going to jeopardize paying my housing expenses, which includes my rent and basic bills to survive in order to pay {$320.00} per month in a min payment. There is just no way possibly we can do it. I contacted them online tonight. I told them if they do not do something to lower this to less than half of this amount, then I guess I will be forced to go into settlement. It is not something I wanted to do but they are leaving me no choice. I am in a hardship. My car was involved in a hit and run accident last month which of course I can prove. My insurance company denied my claim and I have to pay to have the car repaired as it is a lease. This is setting us back considerably as we have to take money from a very modest 401K, exhausting it in order to pay for the repairs as we don't have it. I am on SS XXXX with one other income in the house. Period. This is not affordable.
Product: Checking or savings account

On XX/XX/year> at XXXX AM EST I called Capitol One Bank seeking to get any information possible about where my paycheck was. It took one hour and 57 minutes for my call to be answered. My employer paid me my normal biweekly deposit on XX/XX/year>. The deposit has not been made available to me by Capitol One. I was told that a third party vender was to blame. I asked when I am going to get access to my money. I was told we don't know, we are working on it and no guarantee could be made when or if my paycheck would be available to me. I complained to the agent that they had charged me a service fee overnight for my credit card also held through them but could not give me my pay check to even pay it. I was told to file a complaint.
Product: Debt collection

I sent a certified letter to XXXX XXXX XXXX on each attempt dated XX/XX/18, and XX/XX/18 to XXXX XXXX XXXX for Validation of the alleged debt that they claim I owe to their company and that is appearing on my credit report. I specifically asked for a signed agreement and other supporting documentation as proof of claim of the accountancy. The request was not adhered to. XXXX XXXX XXXX have been reporting alleged charged off debt to the credit bureaus as verified and I am asking that the alleged account be deleted 30 days has passed each attempt to retrieve the information. The account was never verified nor validated.
Product: Credit reporting or other personal consumer reports

I'm writing this letter to inform you I have found inaccurate information on my credit report. The following information is fraudulent and I have no relationship to it. Please remove the following information from my credit report immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

XXXX was never authorized to force a checkcard payment on the date the loan was due nor were they authorized to process a checkcard payment for the subscription fee. They were only authorized to withdraw the money from my checking account via XXXX. The debit card was only authorized as a method to receive funds borrowed. 

You can only contact them via chat which I tried several times with no response.
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 need to be investigated and corrected for 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I am writing to formally lodge a complaint concerning several inaccuracies and fraudulent items on my credit report. These issues include multiple attempts to add inaccurate addresses, collections, and charge off that I suspect to be fraudulent in nature. These inaccuracies are significantly impacting my creditworthiness and financial standing. I urgently request your immediate assistance in investigating and rectifying these issues in compliance with the Fair Credit Reporting Act ( FCRA ). 

Below, I have outlined the specific inaccuracies and fraudulent items that require your prompt attention : I observed multiple attempts to add inaccurate addresses to my credit report. These addresses are not associated with me, and I have not resided at these locations. It is essential that these inaccurate addresses be removed from my credit report. 

I have enclosed copies of documents that substantiate my claims, including [ attach copies of any relevant documents. 

As per the FCRA, I demand that you : Initiate a thorough investigation into the accuracy of the disputed items and the suspected fraudulent inquiries without delay. 
Notify me of the results of your investigation within the legally mandated 30-day period. 
Correct or remove any inaccurate, incomplete, or fraudulent information from my credit report. 
Failure to address these issues promptly and in accordance with the FCRA can result in legal consequences. I trust that your agency will handle this matter with the utmost professionalism and in full compliance with the law. 

Please provide me with written confirmation of the actions taken to resolve these disputes, along with an updated copy of my credit report reflecting the necessary corrections. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX Balance : {$2600.00} XXXX XXXX XXXX Balance : {$6500.00} XXXX XXXX XXXX Balance : {$44.00} XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance XXXX {$24000.00}.
Product: Checking or savings account

I initiated a funds transfer from my Chase checking account to my XXXX XXXX XXXX XXXX Checking account on XX/XX/2020 for the amount of {$2000.00}. It is XX/XX/2020 and it is still pending. I contacted the bank several times but they are denying to give me a reason as to why they are holding my funds and not initiating a transfer. This is my money and I find it unacceptable for them to hold my funds without any justifiable reasons. I called at least 9 times and I was either put on hold for an hour or more and calls were conveniently being dropped without any solution. I finally went in-person to the branch in XXXX, CA, but they were unable to give me a reason for the delay in transfer. Out of frustration i am filing this complaint. I need some answers as to why my funds are being held. Please help. Thank you. 

Transfer reference number is XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent all three credit bureaus a letter via US Certified mail mandating that they " investiage every piece of information '' regarding the accounts in the letter sent. In addition, here are the Tracking # 's to the letters sent out : XXXX Letter Tracking # XXXX Transition Letter Tracking # XXXX The FRCA defines " investigative consumer report '' as " a consumer report or portion thereofin which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. '' The credit bureaus stated my account was verified that is false because they did not do a proper investigation according to the law I mentioned above. Lastly, every piece of information on these account in question is not reported 100 % Accurate ; According to the FRCA 15 USC 1681 everything has to be 100 % Accurate. ACCOUNT IN QUESTION : XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

In XXXX my house was broken into and my personal checks and security card and old drivers license was stolen. have submitted documentation to XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX I submitted documentation to the collection agency and also submitted a dispute with XXXX credit bureau. XXXX XXXX responded back to the credit bureau indicating that my address and name match their records, however, they have NOT responded back to me with any status at all. I understand that my name and address match their records but I am a victim of Identity theft and that 's why I sent their company a copy of my police report, XXXX and also my drivers license. As of today, which is XXXX XXXX I have not received a response from the company and I would like to have this Collection Account removed from my credit report with XXXX credit bureau immediately.