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

Data breach! Unable to get logged on to their website. " Unable '' to provide a free annual credit report online.
Product: Credit reporting or other personal consumer reports

MY PERSONAL INFORMATION WAS INVOLVED IN BOTH NPA AND XXXX XXXX XXXX. I OBTAINED A COPY OF MY CREDIT REPORT AND IDENTIFIED ACCOUNTS THAT I HAVE NO KNOWLEDGE OF, NOR HAVE I EVER OPENED. I CONTACTED EACH BUREAU BY PHONE AND FOLLOWED BY CERTIFIED MAIL REQUESTING VERIFICATION OF EACH ACCOUNT. EACH ACCOUNT IS UNVERIFIABLE BUT STILL REPORTING TO MY CONSUMER PROFILE. I HAVE THE RIGHT TO PRIVACY AND HAVE NOT GIVEN ANY WRITTEN PERMISSION FOR THIS INFORMATION TO BE FURNISHED TO MY PROFILE WHICH IN VIOLATION OF 15 USC 1681B FURNISHING ACCOUNTS IN DIRECT RESULT OF IDENTITY THEFT IS IN VIOLATION OF 15 USC 1681 C-2 EACH BUREAU HAS THE RESPONSIBILITY OF REPORTING MAXIMUM ACCURACY, REPORTING INACCURATE ACCOUNTS IS IN VIOLATION OF 15 USC 1681EB . DUE TO THE NEGLIGENCE OF EACH BUREAU IF NOT CORRECTED WITHIN 15 BUSINESS DAYS I WILL BE SEEKING MONETARY COMPENSATION OF {$1000.00} PER VIOLATION AND LEGAL ACTION
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive requested Equifax to investigate an account on my credit report It has been over 60 days and they have yet to provide information or even do an investigation., Ive included a copy of the credit report with the information highlighted that is inaccurate They are reporting the payment status on a closed and paid in full account as a " charge off ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  was paid electrically on time every month, including my XXXX & XX/XX/2021 payments. XXXX then returned these payments about 10 days after receipt. XXXX  says my XX/XX/2021 payment was not received on time so they destroyed my credit. XXXX XXXX  XXXX XXXX XXXX XXXX 2 official payment transmittals which clearly documented my timely payments, yet XXXX still refuses to remove the late payment from my account. After contacting all XXXX credit agencies and submitting the payment transmittals to them the 3 credit agencies will not remove the late payment either. I then sent credit agencies a letter from XXXX XXXX in which XXXX  confirms they received my payment on time but XXXX  and the 3 credit agencies all refuse to correct my account 's payment history. I've spent over XXXX hours trying to resolve and filed numerous complaints with XXXX  and the 3 credit agencies and they still refuse to acknowledge my payment was timely and have refused to restore my credit. I have uploaded all supporting documentation which unequivocally proves all my payments were on time.
Product: Debt collection

XXXX XXXX XXXX XXXX is reporting on my credit file. I have tried numerous times to get information from them but no answer. I have also disputed this account with the bureaus and the account is being validated but no proof has been sent to me. 

They are a collection company and reporting not only a balance but also a " past due '' balance as well as a late payment on XX/XX/2018. Collections agencies should not report a 30 day late as it is already in collection. 

The account needs to be reviewed for deleted or prof needs to be submitted to me as to the validation of this debt and payment history would need to be updated right away. 

I have attached a copy of my credit report which shows how the account is reporting on my credit. Page 1.
Product: Credit card or prepaid card

On XX/XX/XXXX I made a payment of XXXX to the credit card account with truist. It was never applied but paid to their app system. I called and they lied and claim they never got the payment. I have proof attached here it was made and went through.
Product: Money transfer, virtual currency, or money service

Synchrony Bank, servicer for PayPal, despite my repeated messages, has not responded to my requests for status of XXXX refunds for the return of merchandise consistent with applicable store policy : ( XXXX ) {$100.00} refund processed by XXXX XXXX and ( XXXX ) XXXX refund processed by Walmart.
Product: Mortgage

I placed 10 calls to the mortgage company in the months of XXXX, XXXX, XXXX, and XXXX of XXXX. The mortgage company placed a forced placed policy upon our property for the period of XX/XX/XXXX to XX/XX/XXXX without notifying us. They didn't notify us they were going to do this until the policy period had ended. The policy was back dated and written on XX/XX/XXXX. I checked with my insurance company to get a policy for the period and no one is permitted to back date a policy. I believe this to be a predatory practice to collect a premium that is 4 times the rate of my homeowners policy.
Product: Mortgage

o/a XX/XX/2022 XXXX XXXX starting charging me fees when i wrote to them they reversed those fees. However most recently they have charged me XXXX of fees without providing an explanation of those fees per RESPA. I spoke to them today XXXX and they still couldn't explain why they were charging me fees. The fees that they did say were reimbursed have not been shown to me in detail. I have also submitted a complaint to VA on these presumed deceptive practices.
Product: Vehicle loan or lease

I purchased a vehicle on XX/XX/XXXX XXXX XXXX XXXX vechile identification number XXXX from Ganas Auto address XXXX XXXX XXXX XXXX Ca XXXX I payed XXXX I was in desperate need of car due my previous car was at the shop due to vandalism and pcm module computer was not working/ I made a claim with XXXX XXXX and need to report them too On XX/XX/XXXX the check engine light pop on, the heater stop working and the themther light came on every time I drove it longer then 15 minute When purchasing this vechile I called the police after paying my second payment on XX/XX/XXXX of XXXX. XXXX dollars Now today is XX/XX/XXXX I payed two payment of XXXX dollars on XX/XX/XXXX and XX/XX/XXXX I called several times about this car and how I want to a different car and they got over. Every week I complain to them spoke to the corporate and more and it just seem like a scam and more Can you help cause now I have loaner car but the payment time isnt right They want to now pay for collateral XXXX insurance when I have insurance full coverage on another vechile thats at the shop due vandalism and more This company is taking my money Cybercrime due my phone be hook up to car or usb cord charger connected to my phone and phone been having problems since I hook it up. 
The guy who gave me the loaner car even said this aint right Every time I call the XXXX or XXXX administration they give me run away and money they also advise me I have warrant coverage up to 11 months or depending on mileage I contact the company the insurance advised me to go XXXX XXXX on XXXX they even advise me to go back dealer cause they cant fix it due how many problems and codes the car had P00B7 insufficient coolant flow p0106 map sensor performance P0171 fuel trim system lean p0326 knock sensor performance p0324 knock sensor module performance P0420 catalyst system low efficiency p0496 EVAP system flow during non Purge P1101 intake air flow system Found coolant reservoir extremely low added about two quarter of water, XXXX XXXX for further diagnostic due to multiple codes Store XXXX XXXX XXXX XXXX Ca XXXX I took the car back dealer and the maintenance guy supervisor help me with loaner but the XXXX and company is getting over and just keep working me out my money, having me on bus paying payment and more Making me take time off work to come up there and have me walking around town I need your help this is a corporation scam They couldnt gave me better car They are working me out of money due to me being XXXX woman along with they hack my phone when singing on Bluetooth along with they continue tell me I got warranty but theres no warranty they want me pay for collateral insurance I have full coverage with different company They continue to have come up there every other week and there the ones who commuting these crimes
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2022 Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
Account Number : XXXX Please remove it from my credit report. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
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, Equifax Credit Reporting Agency block information appearing on my consumer credit report that is a result of identity theft and fraud within 4 business days. Your reckless credit reporting allows for Companies to set their own profit margins in the activity of predatory lending which is a federal crime. This fraudulent inaccurate and false information consists of my personal information such as the address ( XXXX XXXX XXXX XXXX, OR XXXX ) date reported XX/XX/XXXX also, ( XXXX XXXX XXXX XXXX XXXX, NY XXXX ) date reported XX/XX/XXXX also, ( XXXX XXXX  XXXX XXXX XXXX AR XXXX ) date reported XX/XX/XXXX also, ( XXXX XXXX  XXXX XXXX XXXX, AR XXXX ) date reported XX/XX/XXXX. This fraudulent, inaccurate, and false information that consist of a personal credit card account XXXX XXXX  opened XX/XX/XXXX under the account number XXXX. A personal loan Avant under the account number XXXX. date opened XX/XX/XXXX. XXXX under the account XXXX date opened XX/XX/XXXX. Another loan is reporting as XXXX XXXX the acct number is XXXX date reported XX/XX/XXXX. These accounts abov3e have resulted in several fraudulent inquiries and fraudulent collections appearing on my consumer FICO credit report. In your criminal behavior in running your company on a day to day basis. I want to remind you a consumer can not be denied credit based on a credit score. Credit Reporting Agencies illegally spy on consumers for profit. If a consumer transaction is made by the element of a consumers Name, SSN and Signature debt can't technically exist. The Federal Reserve Act secion 12 part 1 says the only entity who can deny a consumer credit is the Board of Governors not you or Banks who powers are outlined in 12 USC 1431. You discriminate against consumers for profit violating the Equal Credit Opportunity Act routinely.
Product: Credit reporting or other personal consumer reports

Ive contacted XXXX several times about these unauthorized inquiries on my credit, as well as submitted an FTC report and they still have not removed these inquiries from my credit report as requested : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/2020 I filed a complaint of fraud. Someone in XXXX was using my Direct Express without my permission. Direct Express was very good, getting money back to account very fast. They then issued me another card # XXXX XXXX XXXX XXXX but it would not work. Issued another card # XXXX XXXX XXXX XXXX which I was not able to use. After many times of calling Direct Express and holding an average of 45 minutes, the line was disconnected. I wrote them a letter about the situation but was never answered. I need my money, that is my bill payment money. I do not what to do. My balance is about {$1700.00}. What should I do.this is upsetting me so much. My SS # XXXX. 
Regards, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently send few documents proving that I never did bankruptcy and show letters from the XXXX XXXX XXXX XXXX XXXX stating that they never reported that to Experian and I asked them to remove this incorrect information off my credit report and they refuse to do so and i asked for the details stating to show me that they reached out to the courts and they have never showed me proof of them reaching out but i have proof that i requested from the courts stating that they never reported it to any of the credit bureus. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I received a call from the XXXX XXXX police department ( came from that phone number ) and the person left me a voicemail saying he was sargeant XXXX XXXX with the XXXX XXXX sheriff 's office and needed to speak with me regarding an ongoing case. He provided a cell number to call him back at. I called back and left a voicemail and he then returned my call and said I had jurty duty that I didn't show up for and therefore was being given XXXX citations. He provided citation numbers and told me that I needed to pay these fines and meet with a judge in order for it to not remain on my record OR I can have it remain on my record. He provided me with another Officer in the Treasury Department, XXXX XXXX and an email address ( XXXX ) to send payment to through zelle. He said once payment is received, I will receive a notification and be transfered to his receptionsit to set up a court date with the judge via XXXX. I sent money and then they hung up. I have contacted my bank, XXXX XXXX and they said they can't do anything to help me. I have tried requesting a refund through Zelle but now the recipient is no longer regsitered with Zelle. I filed a police report but they haven't done much at all either. 
XXXX XXXX told me that they could not help me because the money was sent through Zelle and had already been processed so they couldn't refund or cancel the transaction. Clearly the recipient of the money had some sort of bank account and was able to receive the zelle transaction so was that account holder legit or did they falsify information to get a bank account? I feel that there should have been some sort of protection that verifies account holders and accounts before sending money.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress For those violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Consumer adjustment company has violated XXXX laws by reporting collection debt on my credit report.
Product: Credit reporting or other personal consumer reports

These hard inquiries are fraudulent and do not belong to me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TRANSUNION has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXXXXXX XXXX XXXX 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and I have been a victim of fraud. I need the mentioned hard inquiries removed from 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 They do not belong to me, I will never authorize them
Product: Money transfer, virtual currency, or money service

XX/XX/2023 XXXX EST Amount = {$570.00} Seller advertised concert tickets on XXXX. After agreeing to a set price of {$550.00}, we exchanged PayPal information. At this point, {$550.00} was transferred via PayPal to the seller. After numerous texts to have the tickets transferred, they asked for a " show merch-fee '' of {$200.00} additional. Seller was reluctant to transfer tickets until the {$200.00} dollars of additional fees were sent. At this point, we believe this activity to be very suspicious, therefore, I contacted both XXXX XXXX and PayPal to stop payment as we never got what was advertised. Subsequent, seller was contacted on numerous occasions to cancel transaction, but I never got a response and was ghosted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} Equifax : XXXX {$1000.00} XXXX XXXX {$1600.00} ( did not provide me proof of signed HIPPA ) XXXX : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Product: Credit reporting

My home mortgage bank dose not report every payment I made to my home loan. 
I have payed 7 months on time and they have only reported 3 payments and that is effecting my credit score.
Product: Vehicle loan or lease

hello, last XXXX of XXXX i was looking for a used car online and came across a XXXX XXXX XXXX  for {$16000.00} with XXXX miles. i got a call from the third-party dealership saying they can get me approved for low interest rate and monthly payments i HAD a credit of XXXX or XXXX at the time. in XXXX or XXXX of XXXX i noticed my loan amount was {$29000.00}. 
{$13000.00} more of what the car was listed for ( {$16000.00} ) I didn't notice this until afterwards i was just so happy excited this was my first loan ever .when i asked the bank why did they give me so much of a loan they told me they were told the car was XXXX plus tax fees ; when i contacted the bank they asked for proof of the vehicle being listed for XXXX and i have it and sent it then i was asked to show proof of the dealership confirming in text messages saying the car was XXXX and i absolutely have that proof also. after i sent all the proof they asked i was told that it wasn't enough to open a case and they're going to close it. my monthly payments were {$750.00} i was given a XXXX % interest rate. i was only able to pay from XXXX XXXX XXXX after that i started having alot of trouble paying they repossessed my car and my personal property in the car also they sold all of my belongings which isn't fair, if there's anything anyone can do to help sue them please contact me thank you also the bank is saying i owe them XXXX. which is ridiculous because the car I received had NO accessories in the car nothing!!! i was charged a lot for something that was nothing i was harassed with numerous phone calls Monday thru Sunday from XXXX. CONSISTANTLY the same XXXX people only call i was ignored about my complaint. i never received all of my paperwork. when i called the dealership the next day about my papers i was told " that's too bad it's not my problem that's yours I'm on vacation in XXXX " i almost forgot this but i told the first representative who called me from the dealership i decline the offer and didnt want the car but then i received a private call about XXXX minutes later stating she was a manager from a bank and i was approved. but come to find out she wasnt a bank manager she was the other representative who worked at the dealership. she was pretending to be a bank manager and lured me into a trap basically.
Product: Credit reporting or other personal consumer reports

I have not supplied under the doctrine of estoppel by the silence XXXX. v XXXX ( XXXX ) XXXX XXXX | presume that no proof of the alleged debt. Nor therefore any such debt in fact therefore exists. ( Please remove this account before I seek litigation for defamation of character ) XXXX XXXX XXXX Balance {$10000.00}, XXXX XXXX XXXX XXXX Balance {$720.00}