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

XXXX XXXX XXXX  on XX/XX/XXXX my daughter purchased a car from XXXX of XXXX in SC. We filled out the application as my daughter being the owner and myself as the co-signer. The ran our credit and she paid her down payment of {$2500.00}. The next day she went to pick up the vehicle and XXXX sales man talked her into purchasing a warranty. Well the contract changed from daughter as the owner to the co-signer and put my name as the owner ( first red flag ). My daughter total the car on XXXX XXXX but the insurance company couldnt payoff the vehicle. Because XXXX of XXXX didnt have the title to the vehicle. Finally in XX/XX/XXXX XXXX of XXXX gave the insurance company the title but not after going o the DMV and lying about us purchasing the vehicle in XXXX to get the taxes paid on the car. Once XXXX XXXX XXXX XXXX got the check we asked about the warranty refund. It took them until XX/XX/XXXX to apply the amount to our account but it wasnt the full warranty amount. Then XXXX XXXX XXXX XXXX  charged off the account to handle the scandal. I contacted the company and spoke with XXXX that called the warranty on three-way. The company advised us that the warranty was voided by XXXX of XXXX and to contact them directly. So XXXX called XXXX of XXXX on three-way call and spoke with XXXX who XXXX that a representative from XXXX XXXX XXXX XXXX advised her to send the warranty refund minus the amount they owed the company from another consumer auto deal. And she thought it was okay to cheat me out of my full refund amount.
Product: Credit card

Arrived at XXXX XXXX from XXXX for a 4 day vacation on XXXX XXXX. The following day, XXXX XXXX, went to XXXX and when I attempted to pay with my Capital One Card, it was declined. I immediately called customer service and spoke with FRaud Supervisor XXXX who required I provide him with the place where my social security was issued and my driver 's license number. He informed me he would reactiviate my account. The reason the purchase in XXXX was declined was because I made a purchase in XXXX and now in XXXX. Later that same day another purchase was declined and when I called, I was told my card was compromised and nothing could be done until Monday to reactivate the card even though the questionable attempts to use the card were the only ones documented by me. Even though I informed XXXX and later XXXX that I will be forced to sleep in my car and cancel my vacation without the use of this card, they said nothing can be done until MOnday when management is present.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting incorrect info on my credit file which preventing me from certain credit options such as obtaining a mortgage. I have mailed a certified letter to Experian XX/XX/XXXX and also called multiple times to dispute the inaccurate info in which Experian alleged to verify however they do not. I have spoken to several reps as well a couple managers who informed me the credit bureaus only verify name, dob, ssn, and address NOT the accuracy of the debt nor do they request any documents to substantiate the alleged debts. I have requested in writing proof of the debt XX/XX/XXXX however I still have n't received any documentation regarding the alleged debts. Experian is reporting the same debt twice on my credit report which I do not owe at all however it causing the balance to double. Experian is reporting XXXX XXXX ( original creditor ) {$2100.00} and also reporting collection agency XXXX for the same debt in amount of {$2100.00}. This account was satisfied in XX/XX/XXXX and there is no balance owed however Experian only verified my name, dob, and ssn assuming the debt is accurate without any documentation. Experian is reporting collection agency XXXX XXXX {$730.00} for XXXX XXXX XXXX which is a debt I NEVER owed. I provided Experian documentation from BBB & Consumer Affairs supporting numerous complaints against the property management prior to the company submitting this erroneous debt in retaliation after I moved. The company violated FL Statue requirements for landlords to keep the unit safe from electrical issues, rodents, only bathroom plumbing, and numerous other hazardous life threatening issues. The BBB and Consumer Affairs has this documentation long before the false claims. The company also never returned my security deposit. XXXX XXXX is attempting to collect a false debt for a company that has violated housing regulations/requirements. I spoke with three reps since XX/XX/XXXX and have yet to receive any verification regarding this false debt. I spoke to a manager at Professional Debt on XX/XX/XXXX around XXXX and he informed me he could n't send me verification of the debt b/c I requested to not be contacted which I told him is a lie b/c they are supposed to verify the debt he purchased. He stated they did n't buy they are a 3rd party collection agency. I informed him to send it back to the property management company to verify in court b/c they are providing false information. He could n't do that either but expects me to pay a false debt that the property manager created in retaliation for complaints submitted. Experian is reporting a 30 day late payment for my last XXXX XXXX XXXX payment however I was never late and XXXX XXXX reps and manager XXXX verified on XX/XX/XXXX they never reported a late auto payment to the credit bureaus l. I request this inaccurate information removed from my credit file b/c it has been over 90 days since my original complaint with Experian. I also request the inaccurate addresses and employers removed from my credit report also.
Product: Debt collection

I noticed a debt collection on my credit report from XXXX for {$110.00} from the debt collector Source Receivables Management it says it was opened on XX/XX/year>. I have disputed it numerous times through XXXX XXXX and they keep denying my dispute when Ive contacted them numerous times explaining it was due to identity theft from when my information was leaked through a data breach in which Ive had to join a Classaction lawsuit just to try to get reimbursed from where a few accounts were opened with my information without my knowledge yet they still refuse to take it off of my credit report which has hurt my credit pretty badly..
Product: Money transfer, virtual currency, or money service

Chase has not responded to the suspicious activity I found on cards opened and closed in my name as per my XX/XX/XXXX credit report. The XXXX card opened in XXXX used an email address of XXXX and an address XXXX XXXX XXXX XXXX CT that was not mine or one I lived at. XXXX XXXX owns that email and used this card to embezzle funds from Chase to himself possibly posing as the merchant vendor. Please review the XXXX transactions on this card from the date it was opened in XXXX until I found it in XXXX and knew nothing about it. You are being scammed and sending money to a person and not to XXXX. Please review the transactions from XXXX to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, I discovered that my personal credit file has been given inaccurate information. The XXXX and TransUnion Credit Reporting Agencies continued to report unverified information without offering any of the legal requirements ' needed substantiation, in violation of the Fair Credit Reporting Act, 15 USC Section 1681i. The 2Credit Bureuas have failed to properly identify and present any verifiable proof within the required time frame permitted by law. The information below is false, and I never gave permission for my credit to be accessed. They have neither removed these inquiries from my credit report or given me a written authorization. I'd like the following questions to be stopped : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A judgment was received by this company illegally. They stated that the served me with notice of this judgment, however, this is a lie. The date they say I was served I was in bed recovering a XXXX. in 2013 I was XXXX, XXXX, XXXX XXXX. I could not have been delivered papers regarding this and there was no one else at my home who could have accepted it at the time they are stating. I was in bed, on XXXX and could not have walked down the stairs to answer the door. I did not even know about the court date or I would have shown up in court. They had to have lied in court and stated I had received notification.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Checking or savings account

Cash app decided to close and block my accounts due to fraud, terms and agreement. When in fact there was no fraudulent activity on the account only purchasing XXXX presents at a fair and transferring money to my daughter. After numerous tries for them to rectify and show me what is fraudulent they have stopped communicating with me. I also use this for my business and because of the block am now losing money
Product: Credit reporting, credit repair services, or other personal consumer reports

On the account listed below, I have never been late on my account, but it's being reported as late. You can see that i am always on time. I told the bureaus to investigate every piece of information on the account listed. 

According to the FRCA the term " investigate consumer report '' means a consumer report or portion thereof in which the 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 may have knowledge concerning any such items of information. 


ELAN FIN SVC XXXXXXXX XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Credit Card Credit Card Credit Card Bureau Code : Individual Individual Individual Account Status : Open Open Open Monthly Payment : {$61.00} {$61.00} {$61.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$980.00} {$980.00} {$980.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1600.00} {$1600.00} {$0.00} Credit Limit : {$1500.00} {$1500.00} {$1500.00} Past Due : {$0.00} {$0.00} {$0.00} Payment Status : Current Current Current Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : - - Credit card Amount in H/C column is credit limit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Two-Year payment history Month XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK OK XXXX OK OK OK OK OK OK OK 30 OK OK OK OK OK OK OK OK OK OK OK OK OK
Product: Credit card

I have a serious issue with an AMEX practice of false advertising. Bait and Switch. 

On the Delta website, AMEX offers a GOLD card with waived first year fee but if you accept the offer, AMEX then issues you a PLATINUM card with a yearly {$350.00} fee. 

The only way the consumer will know that AMEX switched the cards is if you pay VERY CLOSE attention during all of the application steps. On one screen AMEX says Congratulations, you have been approved! and they replace the word GOLD with the word PLATINUM, but they dont specify any other differences in fees at that time. 

We have called AMEX multiple times. We asked to file official complaints which I fear were not actually addressed. We only want for AMEX to honor the offer as it was listed. We dont want anything free. But the only answer we get from AMEX is Sorry customer, its your fault for not noticing that we switched out the card in the middle of your application. 

So, AMEX will lure you in with an offer and then issue you a different card with higher fees. Bait and switch. Unfair business practice. And AMEX claims that Nothing can be done.

Please AMEX, all we want is the card and benefits you listed in the offer. That seems like something you can do. I dont think this should require legal action or posting on social media sites to find a resolution.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX We discussed with a lady about helping us get a house. We continued to communicate and be in contact with the lady. On XX/XX/XXXX we sent the lady the {$1000.00} which was her fee for getting us the house through XXXX XXXX XXXX XXXX. On XX/XX/XXXX we were in contact. The last stated she would let us know once approved. I reached out on XX/XX/XXXX the last stated she should know something today and stated she would reach out to me. XX/XX/XXXX Asked the lady for an update and that I didn't hear from her the day before. She stated she forgot. She stated that she would get me approved. XX/XX/XXXX Lady stated she would call me, never received a call. XX/XX/XXXX reached out for an update. She promised she would call me never did. XX/XX/XXXX I requested me.momey back from her and she denied it. Reached out to cash app they requested I reach out to her. Then I reached out to Chime on XX/XX/XXXX regarding the incident. XX/XX/XXXX they gave me a claim number and stated someone would get back with me. They stated for me to explain what happened and attach documentation supporting my claim. XX/XX/XXXX they reached back out and stated they were denying me claim.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XX/XX/2024 as listed on my most recently reviewed consumer report, there are several frauds/unauthorized inquiries listed. As a reference, please see the inquire XXXX. The inquiry was not authorized XXXX XXXX XXXX  Date of inquiry : XX/XX/2024 Please remove it from my credit report. 
I am hereby notifying you that neither on those dates nor dates similar did I authorize any individual from the listed company to pull or review my consumer report. Additionally, I have not given Experian furnish this information. Having understood this is a violation of 15 USC 1681 ( B ) ( C ). Both together and separately my consumer and privacy rights are being violated. 
Unless you can produce any proofs or evidence that support your claim or show that you were right in your decision to furnish this information... please remove the above-mentioned inquiries within 15 days of receiving this letter. It is your duty to accurately report information and as of now, you are not doing that. I look forward to Experian resolving this matter with this initial communication. Should you choose to be willfully neglectful as it pertains to my file, I will file a dispute against you in small claims court seeking remedy for said violations. 
Warm Regards, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Product: Student loan

I got approve for borrower defense forbearance to delay my loan until 2023, however ECMC has refuse to remove default status on my loans, credit report and put my loan forbearance.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute inaccurate information reported by TransUnion on my consumer report, specifically regarding a XXXX XXXX XXXX identified as XXXX  XXXX Reference # XXXX, allegedly filed on XX/XX/year>. This information is incorrect and should not be reported on my file. Under the Fair Credit Reporting Act, specifically 15 U.S. Code 1681 ( a ) ( 4 ), consumer reports play a vital role in determining eligibility for credit and employment. Therefore, it is critical that the information contained in these reports is accurate. TransUnion 's reporting of an erroneous XXXX  undermines this principle and directly impacts my financial opportunities. The presence of this XXXX, which I dispute, demonstrates that TransUnion has failed to uphold the maximum possible accuracy. Furthermore, under 15 U.S. Code 1681i ( a ), I have the right to dispute inaccuracies, and TransUnion is obligated to conduct a reasonable reinvestigation. TransUnions actionsor lack thereofmay constitute willful noncompliance with the FCRA, as outlined in 15 U.S. Code 1681n. This provision imposes liability for willfully failing to comply with the requirements of the FCRA, including punitive damages. Alternatively, if the noncompliance is due to negligence, TransUnion may be liable under 15 U.S. Code 1681o, which provides for actual damages and attorney fees resulting from negligent violations.
Product: Payday loan, title loan, personal loan, or advance loan

I received an email from XXXX XXXX case # XXXX XXXX XXXX XXXX 
State I received XXXX which I never received. 

I have an family emergency and applied for loans so my personal identification is out there.

I just recently changed my bank account # number to protect me. The fraud dept is watching my account closely.

I have not been able to post on the 3 credit reports that my ID has been exposed and being used. 

Please help me Thank you XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

i have filed several disputes with Equifax, both online as well as called almost daily for awhile. i have faxed over proof from the credit union, written on the credit unions letterhead as well as the phone number of the credit union and the credit unions attorney confirming that it should be removed immediately and Equifax continues to maintain they're accurately reporting the credit union accounts and willfully continues to violate the FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my most recent credit report, I noticed that you are continuously reporting accounts with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Experian with regards to this issue and I have not received any response from them until this date.
Product: Credit card

I logged into my Synchrony bank portal to update my banking information and I edited my bank account. The references in the autopay portal and anywhere for that matter showed the new bank account ( see screenshots ). Despite the online portal showing ONLY the new bank account, they continued to debit the old bank account and apply late fees. In addition, they de-facto closed my account by limiting my credit to whatever was already owed.
Product: Debt collection

Best Egg XXXX has XXXX  dialed me about a past due debt ( not due ) excessively daily since XX/XX/XXXX. The majority of the calls have been unanswerable and that is why I assume they are roto-dialed calls. -- I have explained at least twice to XXXX Best Egg agents that my Best Egg account is not past due because their payments have cleared my bank account.I pay Best Egg online monthly and would like the excessive phone calls to stop. ( I just received another Best Egg phone call at XXXX XXXX. this morning XX/XX/XXXX during work hours. )
Product: Credit reporting or other personal consumer reports

" I would like to dispute an inaccurate, untrue, incomplete, untimely, not compliant, and/or possibly not even of my ownership of responsibility allegation of a derogatory item that I see you currently have on my credit report. While studying my report, I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, Metro 2 Format compliant or else wise compliant to every single one even each any and all of the regulations applicable laws and/or applicable standards of reporting of which you are undoubtedly mandated in your reporting obligation ( XXXX ) to obey without default or deficiency of any sort. 
The following challenged information is among such allegations of which each and one all require immediate deletion or removal from reporting otherwise. I demand rightfully that you do so today, even now and here! Below listed is the currently reported not yet proven valid nor demonstrated as being certifiably compliant reported allegation ( s ) of information that I mark as being in question. 

Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 NOTICE FOR REMOVAL OF INQUIRY REQUEST : According to Section 604 of US CODE 15 USC 1681 et seq., it is clearly stated that any entity requesting access to a consumer 's credit report must have a lawfully acquired and permissible purpose as outlined by the Fair Credit Reporting Act ( FCRA ). We demand to know if you and/or any other reporting party have provable and demonstrated lawful permissible purpose ( s ) for obtaining my credit report profile or any portion thereof. You must provide physically verifiable proof of this lawful permissible purpose, even if I have not authorized the inquiry or have no knowledge of it. Failure to provide such proof means that you must remove any inquiry reporting related to the event ( s ) in question. I am challenging you to demonstrate your mandatorily submitted permissible purpose proofs, and I hereby demand that you delete any such alleged inquiry reporting upon your failure to do so in a timely manner, whether willfully or due to your reckless ignorance.

I am concerned about potential harm caused by mixed or merged information, deviously reported inaccuracies such as status and activity dates, and balance and remark questions. These can directly affect my credit score, credit to balance ratio, debt to income ratio, and my ability to present my true creditworthiness for major loans such as for a vehicle, home, employment, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion twice over the phone and spoke with representatives who told me that for them to remove unauthorized inquires on my Transunion credit report, I had to contact the bank and get them to send me a letter, than send Transunion a letter. The other option was to file a police report. I told them it was against the law for them to deny this service as unauthorized inquires were affecting me and my credit profile. This is against the law for them to deny this upon request.
Product: Debt collection

This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. And I do not consent to an electronic communications. I request all responses be in writing through the USPS. 
The item is not correct and is causing me financial and emotional distress because of their derogative nature. The following items must be updated : MACYS/CITIBANK, N.A. XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.