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

I did not consent to, or authorize nor benefit from any of the following Inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

An account was fraudulently opened using my first name, a different last name ( XXXX ) and my Social Security number with XXXX XXXX Bank in XXXX. The address on the account was in Indiana. I live in California. The account was originally sent to collections with XXXX XXXX XXXX. They filed a claim with the XXXX XXXX XXXX XXXX in Indiana. I never received notification of the debt or court case. 

Since I was not properly served or notified, and was not able to dispute the debt, a judgement was placed against me, and my wages were garnished. Once I received notification of the garnishment, I disputed the account with XXXX XXXX. They stopped the garnishment process. 

In XXXX of XXXX, I was notified by my employer that my wages were to be garnished again for this same debt. I contacted the current collection agency, LVNV Funding and the attorney from XXXX and XXXX to notify them the account was fraudulent. The funds that were garnished in XXXX have been refunded and paid back via my payroll check. At the request of LVNV Funding, I sent a copy of a police report that was filed, along with a fraud affidavit to their office to have the debt be recognized as identity theft. This request was denied by LVNV because there were payments on the account, and there was a court order for the garnishment. 

1. The payments made on the account where the result of the garnishment. I did not willingly make a payment and have never accepted responsibility for the debt.

2. The judgment was made by the court because I was not properly served and did not have the opportunity to present any evidence that the debt was not mine 3. The name on the account does not belong to me. I have never gone by the name of XXXX XXXX. 

4. I have never lived at the address on the fraudulent account. 

5. Documents supporting these claims have been sent to XXXX as the account administrator for LVNV Funding.
Product: Checking or savings account

I was charged for something that I did not even ask for and XXXX is refusing to give me a refund. 

The cashier made a mistake and did a money transfer ( which is not what I asked for ) instead of printing out two money orders. 

She was embarrassed about not knowing how to do a refund or how to fix the situation, so she told the manager that I asked for a money transfer ( which I did not ). 

I disputed it with my bank but they denied my claim due to " XXXX sent us an invoice for two money transfers ''. Even though I asked for money orders not tranfers, and I did not receive anything that I paid for that day at XXXX and my account is now negative over {$3000.00}.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is a company which the CFPB has sued due to unfair, illegal, and predatory lending practices. Yet, XXXX XXXX is still getting away with fraudulent and criminal activity by negatively reporting a totaled vehicle as an open, late account for 4 years! I have submitted a letter of proof to the CFPB from XXXX XXXX, stating that I paid off and satisfied this account. However, XXXX XXXX is still negatively reporting the account as late! In addition, XXXX XXXX has began garnishing my paychecks monthly. 

Under 15U.S.C. 1681e ( b ) : Accuracy of XXXX XXXX, I am requesting that the XXXX XXXX account be closed and removed from my credit report due to the false and inaccurate reporting of the this account. In addition, I request that the garnishment on the behalf of XXXX XXXX be stopped altogether.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX reported a collection account to all 3 major credit bureaus. I disputed the item and XXXX and XXXX deleted the collection account from my report. XXXX provided me with their " investigation '' results almost immediately upon me filing my dispute and advised the item was " verified as reported '' and that the account in collection belongs to me. 
I am afraid to continue to dispute this item for fear that out of spite the collection agency will re-file their report of this account that is not mine to XXXX and XXXX and I will be back at square one. Can a collection agency do that? What are my rights to demand XXXX stop reporting a collection account that XXXX and XXXX  investigated and determined it is not mine and deleted it?
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX a direct dispute was made to Experian regarding a discrepancy whereas XXXX is reflected on my credit report. I do not have nor have ever had a credit card account with this bank. The account belongs to a relative not me who added me as an authorized user however the credit bureau posted this account without proper data and the bank was never authorized nor issued my social security number and accessed my information without permission which is nefarious. I have a statement from XXXX dated XX/XX/2023 acknowledging proper request to remove my name and they concluded that it was removed. However, upon disputing with Experian credit bureau they denied removal of the account which is a discrepancy and egregiously unprofessional after all the formal steps have been taken and proven. I find Experian to have exhibited negligence in handling this predicament. 

Ive contacted XXXX and XXXX regarding this same incoherent reporting of this XXXX account and it was rectified.
Product: Debt collection

My credit sucks now and I'm being held back getting a job because I'm a XXXX XXXX  The company I worked for burned me out. They send me on an extra run. I started falling asleep at the wheel. I pull over truck over so I don't wreck and kill some innocent person. The police roll up on scene. Tells me to go to sleep for a few hours which I do. My company fires.me for doing the responsible thing. I get denied my unemployment by the cpany which.i save them a wreck and lawsuits and keep myself out of prison. For following a lawfully.order make sure I don't get my unemployment rite away so I cant pay my bills for 4 months now. And now I have people or companies won't give me a job now this is in XXXX American No one wants to wait to get paid.but everyone is making me.wait to get my $ that I am totally entitled to. So you being the government. Do something
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX I pulled my credit report from the 3 major bureaus and i had a bunch of addresses that were not mine, I waited an entire month for the bureaus to write me back only to say they had an incorrect social security number.
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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX and list of Inquiries. 


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

I went to try and purchase a vehicle and they pulled my credit report they said they were only going to pull my credit report one time and they ended up pulling my report multiple times with other lenders. 

XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX XX/XX/2021 XXXX  XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XX/XX/2021 XXXX/XXXX  XXXX  XX/XX/2021 XXXX  XXXX  XX/XX/2021 XXXX XX/XX/2021 XXXX XXXX  XX/XX/2021 XXXX XXXX XXXX/ XX/XX/2021 XXXX XXXX XXXX XX/XX/2021 XXXX  XXXX XXXX XX/XX/2021
Product: Credit reporting or other personal consumer reports

This morning, an unfamiliar inquiry appeared on my credit report, and I don't understand why. I routinely checked my report, but strange discrepancies suddenly showed up. Even after refreshing my browser, the unauthorized inquiry didnt disappear. Im beyond frustrated and insist that my submitted documents be reviewed in detail so I never have to deal with this issue again.
Product: Credit reporting or other personal consumer reports

My ex husband fraudulently reported child support payments in XXXX states at the same time on the same child. Missouri should not be reporting since I am currently paying Texas and have an active case with Texas. 

XX/XX/XXXX called Missouri child support Missouri child support XXXX Having interm contact Texas to resolve issue. 

XXXX. XX/XX/XXXX. XXXX Missouri XXXX support XXXX XXXX she would escalate the case and fix the problem by stopping the reporting, getting in contact with Texas XXXX interm office. 


XX/XX/XXXX case # not given when asked. Case worker replied that I just need to pay the money until Texas can prove I am current. 

XX/XX/XXXX XXXX CT XXXX XXXX 
XXXX XXXX XXXX ex husband ) phone called made requesting a XXXX? 
XXXX. 
On XX/XX/XXXX XXXX XXXX sent out payment history to XXXX XXXX, MO. 

TransUnion has foxed and then started reporting again.
Product: Debt collection

I was approached via phone and email by a collection agency posing as a law firm in the collection of a debt from my business. They offered little detail about the identity of the debtor and used words that indicated they were representing a law firm. 

In an email they sent to my personal email address, the subject matter was " XXXX CASE # XXXX '' The collection firm represents themselves as The Leviton Law Firm and is using a false representation by implying they are communicating with me as an attorney. Their tactics are aggressive and not consistent with the Fair Debt Collection Practices Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account is open and current NOT CLOSED. Aldo the balance showing is incorrect. I am attaching the documents to reflect. The 1st attachment is the incorrect one and the 2nd is what should be reflected
Product: Credit card

Had my XXXX XXXX send a full payment check ( {$3500.00} ) based on the last statement I received ) to TJ Maxx/TJX Co to pay off and close my account on XXXX XXXX2023. 
-Got XXXX statement with same debt showing. Called, was told the check was not received. Called back, was told the check could take 15-30 days to process because it was for more than I normally paid. 
-Called back and was told I didn't owe {$3500.00}, so was issued check # XXXX in the amount of {$200.00}, but still my initial check was not recieved. 
XXXX23 received letter stating they could not find the check, so they were re-billing my account for {$3500.00}. 
XXXX23 was told that the holdup was because a check was sent, and that I could pay the new balance of {$2800.00} via credit/debit card. Which I did pay via my XXXX. 
XXXX23 was told they received the {$3500.00} payment on XX/XX/23. 
-I requested a refund of the {$3500.00}, because I had paid them what they told me I owed them -- {$2800.00}. Received check # XXXX dated XX/XX/23 refunding the check they had said they never recieved! 
XXXX23 TJX sent another statement re-charging me for {$3500.00}. 
-I called speaking with a manager for 35 minutes who said she found the error and that new documentation would follow. 
-My next statement had an amount due of {$720.00}. When I called the manager back She told me that each time I called to dispute, they put a {$360.00} 'credit ' on my account! Not only was I not informed that was being done in previous conversations, I never requested it! It was done only the 2 times I spoke with the credit manager! 
-When I asked why they would put a crdit on my account that I was trying to pay off, she said that was how they do business. I told her I had paid off 2 other Synchrony Bank-funded accounts, and had NO problems with them accepting my large payments or crediting my account! 
-Since that conversation, I continue to recieve statements with late charges and interest added each month. 
-Bottom line, because I am over XXXX, I feel cheated, penalized and taken advantage of -- told her so -- and told her I could NOT and would not pay them any more money as I am on fixed income and had borrowed money to make payments to XXXX other creditors with which I no problems. 
Please help me cause this is showing up as 'delinquint ' on my credit reports, and is causing my rating to be reduced. 
-I am starting with your company, but will contact the officers of TJX Co. and Synchrony Back to let them know how their customer are bing treated.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern I have tried contacting all credit bureaus about unauthorized hard inquires on my credit report please help the applications I applied for with my credit union shows decline due to too many inquiries I have tried everything please help. <P/>XXXX shows XXXX disputed TransUnion disputed XXXX disputed I am trying to re establish my credit and I ca n't move forward with multiple inquires
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX 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 XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I DISPUTED THIS ACCOUNT, TRANSUNION COMPLETED THEIR INVESTIGATION ON XXXX XXXX I AM REQUESTING A DESCRIPTION OF THE PROCEDURE THAT WAS USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION THAT I DISPUTED. 
WHO DID TRANSUNION INTERVEIW REGARDING THIS ACCOUNT HOW DID YOU COME TO THIS DETERMINATION..

15 US 1681I ( A ) ( 6 ) ( B ) ( 3 ) THIS SAY IF I THE CONSUMER REQUEST A DESCRIPTION OF THE PROCEDURE THAT WAS USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION THAT I DISPUTED. BY LAW YOU ARE REQUIRED TO RESPOND IN 5 BUSINESS DAYS.
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

There is a debt collection of {$23000.00} posted on my credit report. This collection was reported by Hunter Warfield, LCC and they reported that XXXX XXXX  was the original debt collector. 
XXXX XXXX and XXXX at XXXX are two different apartment complex. I lived at XXXX at XXXX owned by XXXX XXXX  and not at XXXX XXXX owned by XXXX XXXX. 
I believe I was falsely accused of this debt and I am not liable for this debt. I live with XXXX XXXX  XXXX for XXXX years and my rent, late payments and other charges never added up to XXXX, XXXX. I would like this debt collection to be deleted from my credit report.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. 

I am filing this Affidavit to report 5 fraudulent account ( s ) appearing on my consumer FICO XXXXcredit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of : A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX under the XXXX. A Credit Card opened at XXXX XXXX on XX/XX/XXXX under the XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA. 

These accounts have resulted in several fraudulent chargeoffs, fraudulent late payments, and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, late payments, or chargeoffs as reported. The aforementioned accounts, collections, and chargeoffs appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, late payments, and charge-offs are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the aforementioned fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Debt collection

RECEIVABLES PERFORMANCE  XXXX   XXXX   XXXX   XXXX   XXXX , WA  XXXX  Negatively reporting to my credit on   XXXX   I request validity of debt including signatures and invoices of debt. I never received any written knowledge of this debt.
Product: Vehicle loan or lease

I purchased a new vehicle from Chrysler XXXX XXXX XXXX XXXX XXXX auto loan from Chrysler Capital XXXX The loan was paid in XXXX. I am in urgent need of the title because I am moving out of the state of XXXX  and the state will not allow a vehicle to be transported out of state without a title. The DMV informed me that Chrysler is holding the physical title and if they will not provide it, then I will have to request a duplicate title from the state by providing a release of lien from the lien holder ( Chrysler ). 

I contacted Chrysler on XX/XX/XXXX. I was told they are putting the title in the mail the same day. What I received ( mailed on XX/XX/XXXX ) was a copy of the financing agreement stamped " paid in full ''. I have tried to call back several times since. It is nearly impossible to get a live person on the phone - their phone system keeps asking for the account number and when entered it says the account number is invalid and keeps asking to enter a valid account number. The account number is listed on several documents, yet the system does not recognize it because the account has been paid and closed. Yet the phone system keeps asking for it and will not allow to continue without providing a different number. I have spent over 15hrs in the past two weeks trying to get an answer over the phone from Chrysler . 

On the last call to Chrysler Capital on XX/XX/XXXX, the highest level manager they would allow me to speak with could not confirm if they have the title or if it has been released. They do not know if the title is electronic or physical, but insisted it was electronic despite that the DMV says the title is physical and not electronic. In every conversation they provide different information and refuse to provide anything in writing. 

I am in a difficult position, because I can not get a duplicate title without a release of lien. In two weeks, I will be forced to abandon the car when I leave the state because I can not take the car out of state without a title. I do not know what to do and desperately need help.