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

IVE TRIED CALLING XXXX TIMES REGARDING THE INQUIRES THAT ERE DONE FRAUDULENTLY TO HAVE THEM REMOVED AND TWO ACCOUNTS AND THEY ARE REFUSING TO HELP ME THAY JUST STATE THAT THE INQUIRES WILL COME OFF IN 2 YEARS AND TO CALL THE COMPANIES AND HAVE THEM REMOVE THE 2 ACCOUNTS EVEN AFTER I INFORMED THEM THAT I WAS A VITUM OF ID THEFT!
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may Concern, I informed the credit reporting agencies that the account XXXX balance {$320.00} account name XXXX  XXXX XXXX is an account that should not be reflecting on my reports because the account has been paid off. I asked that these accounts be verified and unfortunately they have not due to the affect that they still are reflecting on my reports as a collection account. I am asking that these accounts be removed immediately. I have proof that this account was paid XXXX. Also there is another account that needs to be removed from my credit report due to identity theft. The account name is XXXX XXXX XXXX. The account number for this account is XXXX, and the balance on this account is {$2100.00}. I never had this account and this account was not opened with my permission. Please remove as soon as possible. 
Also the only names that should be reflecting on my personal information on all three credit reports is XXXX XXXX XXXX. The only address that I should be affiliated with is XXXX XXXX XXXX XXXX XXXX. The only telephone number that I should be attached to on my credit profiles is XXXX only and the only Employers that should be listed is XXXX XXXX. Please update with all credit reporting agencies. 
Thank You with kind regards, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SC XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX ) XXXX Balance : {$1800.00} XXXX XXXXXXXX Balance : {$710.00} XXXXXXXX XXXXBalance : {$7900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

HI CRA ; EXPERIAN, XXXX ; ***See attachments*** I'm a little shocked and dismayed that this public still is reporting on my credit report even after i reached out the the credit reporting agencies several times, and it comes back as verified as accurate. Well, therefore, i took upon myself to contact the bankruptcy court which also confirmed that they do not report any information to any of the credit reporting agency. I then called credit bureaus which they said that it came from supplement credit reporting agencies such as XXXX. I then contacted XXXX, which I've attached the letters stating that they can't even find it in their entire data. I'm confused now. It's still reporting with multiple inaccuracies, misleading and incomplete information. Therefore it's impossible that it can be verified. Equifax went ahead and immediately deleted from my credit report. 

This is a violation of my consumer rights and i need this information removed from my credit report. I was made aware it may have come from a 3rd party furnisher XXXX XXXX. I contacted XXXX XXXX with my address, full name and full social security and they do not have any record of me on file. As you well know it is a violation of the Fair Credit Reporting Act to report erroneous, misleading, and incomplete information on a credit report, also, especially, when it contains multiple inaccuracies on reporting. I ask that you remove that BANKRUPTCY and delete it expeditiously from my credit report under the provisions of FCRA 609 ( e ) ( 15 U.S.C. 1681g ( e ) ) ..
Product: Credit reporting or other personal consumer reports

Citizens bank told me that I would not be marked as delinquent for XXXX  month mortgage forbearance due to short term hardship. Once the XXXX month period ended, they reported me instantly within XXXX business days as delinquent, when I paid back the full missed amount plus my next mortgage payment. I disputed the negative mark and called the bank, to which they told me the payment was due the day forbearance ended, but I was told prior I could resume payment on the XXXX of the month. I made payments on time and they still marked it as late.
Product: Payday loan, title loan, or personal loan

I was notified that my debit day was changed to wednesdays, so I chatted in to their customer service line as this was strange. My paydays are always friday like most of americans. They told me that since my bank would post the deposits on wednesday most of the time they changed it. I let them know that this does happen but in no way was it something that was guaranteed because it depends on the bank and they don't have to post on that day. They assured me that it would be fine and that if there were any issues of overcharges due to the date then they would help and change the date. 
Now that it has happened, they drew the money today wednesday XX/XX/21 and of course my bank hasn't posted the deposit yet. They refuse to change the date stating that its always on wednesday so they can't even though its obvious that is incorrect. They also won't credit the overdraft fees as promised because of their error. I have been in chat with them for 3 hours now and they won't even change the date. They say its based on an algorithm but obviously its broken because this has happened. 
They have made no attempts to assist and then managers have been worse then the agents.
Product: Debt collection

I moved out of an apartment without giving 60 days notice. I provided 30 days. I did not want to move but the living conditions became unbearable. There was mold. Maintenance never fixed anything. There was a large renovation that took place while living in the unit resulting in more exposure to the mold and changing the living conditions. The debt collectors called me I tried to explain the situation and I was told Im trying to run and not pay my debits, 2 different reps yelled at me degraded me and threatened to garnish me if I dont give them money within 24 hours. This list is so much longer!
Product: Mortgage

We/our client have been unsuccessful in a loan modification process that we have been attempting since XXXX 2015. We have submitted each and every request to Bank of America to no avail. We have provided documentation each and every time it has been requested and can not seem to get confirmation of documentation ( because there is an active cease and desist on the file due to litigation ) along with opposing counsel continually requesting the same documentation over and over only to consider they are not forwarding to their client 's for review. Our translation of the guidelines support that we are to have a dedicated individual reviewing the documentation and open communication re : same. Litigation is still continuing and we are not getting anywhere with the review.
Product: Debt collection

Have requested multiple times for detailed invoices reflecting the charges owed - have not received anything. Contacting the office via their XXXX # regularly puts you in a voice mail loop. I 'm considering this fraud at this point.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the credit bureaus ( XXXX, Experian and XXXX ). They have failed to remove information that was affiliated with personal details, that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to upload the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reported these are fraudulent inquires on my credit file. i did not authorized these inquires but these companies will not send me proof it was me, they refuse to remove them saying its accurate when it is not
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. 
While reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXXL Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX  XXXX Inquiry Date XX/XX/XXXX ; XXXX AND XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX Inquiry Date XX/XX/XXXX ; XXXX XXXX XXXX Inquiry Date XX/XX/XXXX 2020
Product: Credit reporting, credit repair services, or other personal consumer reports

Frauding scams using my credit files as XXXX listed business Frauding as : : : : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Then frauding scams using my birth certificate long form of doctor listed using XXXX XXXX XXXX as multiple XXXX XXXX Then fraud scams using XXXX XXXX. ( Frauding my immazation record of XXXX county Indiana ) Frauding scams using : : XXXX XXXX in Nevada frauding scams frauding XXXX Indiana Frauding scams using XXXX Indiana Frauding scams using XXXX frauding XXXX XXXX
Product: Debt collection

the company emailed me. enclosed a complete detail of what i owe with my personal information. they also identified themselves as a collection 's agency saying i owe them. this is 3rd party disclosure as they did not use any level of security identification processes at all.
Product: Credit reporting or other personal consumer reports

This CFPB COMPLAINT IS BEING FILED IN PURSUANT TO FCRA 605B ( 15 U.S.C. 1681 c-2 ) THAT YOU THE XXXX  XXXX   AND TRANS UNION CREDIT REPORTING AGENCY BLOCK INFORMATION APPEARING ON MY CONSUMER CREDIT THAT IS THE RESULT OF IDENTITY THEFT AND FRAUD WITHIN 4 BUSINESS DAYS OF YOU RECEIVING THIS COMPLAINT THIS FRAUDULENT INACCURATE AND FALSE INFORMATION CONSIST OF THE FOLLOWING ACCOUNTS :
 XXXX XXXX  ACCOUNT # XXXX  BALANCE XXXX  MONTHLY PAYMENT $XXXX XXXX XXXX XXXX ACCOUNT # XXXX BALANCE XXXX  MONTHLY PAYMENT $XXXX  
XXXX XXXX ACCOUNT # XXXX BALANCE XXXX  MONTHLY PAYMENT $XXXX    THESE ACCOUNTS HAVE RESULTED IN SEVERAL FRAUDULENT COLLECTIONS APPEARING ON MY CONSUMER XXXX  CREDIT REPORT
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I reviewed my consumer reports and noticed that i had one late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of ( XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. 
Please see screenshot attached :
Product: Debt collection

On XX/XX/XXXX, I received a call from a number identifying themselves as a representative of XXXX XXXX XXXX XXXX asking for my social security number. I was uncomfortable providing my personal information to a number and company I didn't recognize and asked for mail correspondence to confirm their existence. I received that letter on XX/XX/2020 indicating that I had owed XXXX ( account XXXX ) nearly {$150.00} for an unidentified service. I contacted XXXX to understand what the charge was for. I called multiple times and went to two of their local stores, each time being told that I did not have an account with XXXX. I filed a dispute letter with XXXX XXXX sent XX/XX/2020 and received by certified mail on XX/XX/2020 explaining that I had no services through XXXX except for my parents ' phone plan, but that my parents covered that bill and it would not be charged to me. 

I did not receive a response within 30 days nor have I received any response thereafter, and I allowed XXXX XXXX an additional month due to delays that may have occurred during the pandemic before filing a dispute with the 3 credit reporting agencies on XX/XX/2020. I learned following the filing of the dispute letter that this debt collection action was reported to the credit reporting agencies. I am awaiting a response from those credit agencies within the next few weeks. 

However, I received a letter on XX/XX/2020 from a group identifying themselves as CBE Group trying to collect the same debt. I am initially concerned that XXXX XXXX is trying to skirt the protections of the Fair Debt Collection Practices Act by assigning the debt to a new company after receiving my dispute letter, which put XXXX XXXX on notice that it could not make attempts to collect on the debt. I guess I now will have to dispute the debt with CBE, taking additional time and money. 

This complaint was further motivated by a call I just received today ( XX/XX/2020 ) from an individual identifying them self as a representative of CBE from phone number XXXX XXXX. This individual began trying to confirm my identification by listing part of my social security number and address without first confirming my identity. I told him that I was uncomfortable continuing the conversation and that all future communications should be by mail. I am VERY concerned that my personal information is being misused and may easily fall into the hands of others. 

I still have not received any information that I owe XXXX any money, and they have confirmed to me by phone and in person that I do not have an account with them. I have not received any services from XXXX outside of my parents ' phone plan. Now, my personal information is potentially being compromised, and I am dealing with 2 debt collection agencies without having been apprised of the grounds for the debt collection action.
Product: Debt collection

LVNV Funding is attempting to collect on an account from XXXX and the amount is incorrect. This company is currently being reported for indulging in malpractice and manipulating delinquency dates. The company has violated the FDCPA or the Fair Debt Practices Act.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER XXXX USC XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20XXXX XXXX account # XXXX reported an inaccurate 30 day late payment on my account. This account is in good standing and the balance has been paid down tremendously. This Late payment is hindering me from getting credit approvals
Product: Credit reporting or other personal consumer reports

Im asking Transunion for the longest to removed the 30 days late from XXXX XX/XX/XXXX open XX/XX/XXXX andXX/XX/XXXX open XX/XX/XXXX because I never late if you love XXXX have it correct pay a time but Transunion refused to up date my credit report.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified account listed below continues to report on my credit report in violation of federal law. I sent a letter to the XXXX credit bureaus but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If they do not validate this account, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiry on my credit report.Please dispute and remove listed fraudulent inquiry from my credit report XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit card or prepaid card

Its my card, however this company refuses to allow my any access to my statements/app to see my account or charges/my email is incorrect and they are sending my personal information to this random email. I have been trying to resolve this issue for months, they hang up on me, refuse to help, or put me on hold and never pick back up. I had XXXX horrible encounters again today and refused to help me. I had my lawyer write them with no luck with correcting my account. Please help me with this dishonest company!
Product: Credit card or prepaid card

I am at my wits end with Bank of America and I need assistance ASAP! 
I filed the following CFPB complaints : 1st Complaint - XXXX 2nd Complaint- XXXX The first complaint was closed and should NOT have as it has not been resolved. 

I initially called BofA on XX/XX/2020. I spoke to a young lady that I felt didn't know what she was doing. When I spoke to her, I told her that there were 26 Charges to Element Colors ( From XXXX XXXX ) that were FRAUD! A total of {$2500.00}. I also informed her that a charge for XXXX for {$2000.00} was also fraud. She advised me that she would report all of the charges and an investigation would be conducted. Fast Forward to today .... I have received credit for the XXXX charge and received a letter dated XX/XX/2020 informing me that the charge has been deemed as fraud. I have also confirmed the XXXX charge has been credited. MY ISSUE now is that the letters I have received mention NOTHING about the 26 Charges to Element ( made in XXXX XXXX ). These ARE NOT my charges and need to be credited ASAP! This is ridiculous! I need for BofA to conduct an investigation and issue a credit for the Element Colors charges ASAP. The letter from BofA dated XX/XX/2020 says there are no other claims, which is INCORRECT! BofA needs to pull the call I made on XX/XX/2020 to confirm this! I talked to the young lady for over an hour and she confirmed she would file a claim for the 26 Element Color charges and the XXXX Charge. I am starting to think that she did not follow through and that is NOT my error! BofA PULL THE CALL and do your JOB and Fix this! 

I also called BofA at XXXX today and waited on hold for an hour and a half, then received a message that the office was closed. I am frustrated because I reported these charges from XXXX XXXX and I am tired of waiting. I need this money! Please have BofA pull my initial call and conduct a proper investigation. This is a Regulatory bank violation and I am about ready to get a lawyer.
Product: Credit card or prepaid card

My business checking account was debited by American Express for purchases I did not make on my Amex Hilton Honors Card in 2018. I have called Amex many times and submitted documentation but the issue is still unresolved. American Express continues to ask for sensitive bank documents which they know my bank will not provide in order to avoid reimbursing me. These are the dates and amounts debited from my checking account by Amex.

XX/XX/2018 {$35.00} XX/XX/2018 {$50.00} XX/XX/2018 {$320.00} XX/XX/2018 {$200.00} XX/XX/2018 {$150.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX  XXXX Date Opened : XX/XX/2018 Balance : {$14000.00}, XXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2018 Balance : {$14000.00}.
Product: Vehicle loan or lease

To whom it may concern, my name is XXXX XXXX, Im writing and sending these documents to you because of the lack of professionalism of Honda South Dealership and Honda Finance. Im also disputing this contact with Honda America South and Honda American Finance because the dealership didnt follow through the with arbitrary contact. This has been a nightmare for me dealing with these companies. Please read and look over the document and let me know if there is anything that you can assist me with. These companies are using the Honda brand and theyre rude, unprofessional, dont answer phone calls and lairs. 

I tried to purchase a vehicle on XX/XX/XXXX at The XXXX XXXX XXXX at XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX, I was told by the sale male that the vehicle is new and it while to be set up. The salesman asked if I would come and pick the car up on Tuesday or If I can wait until Wednesday, she would have the windows tinted. I agreed to pick the vehicle up on Wednesday XX/XX/XXXX ; I pick the vehicle up at XXXX. I drove to the nail shop, after leaving the nail shop on way my home around XXXX the car stopped several times on XXXX XXXX XXXX. I was almost hit by tracked trailer and cars, as I was trying to move over to the shoulder of the highway, after finally on the shoulder of the highway, I texted the sells person with pictures about the vehicle, I then tell the sells person I want to rescission my contact I wish no longer to purchase the vehicle which by law can do so. The sell men asked me to bring the vehicle to the maintenance department on XX/XX/XXXX. That morning, I got up and drove the car to the maintenance department. The car stopped several times. After finally getting the car to the maintenance department. I was told that it was a result of a faulty battery on XX/XX/XXXX. I stated then that I didnt want the car and I want my XXXX car back. Thats when the salesperson lied and told me that my car which was trade an in was sold XX/XX/XXXX which the trade in car wasnt sold until XX/XX/XXXX. 
The communication with this company sucks. I called and left messages for the XXXX, sales manager, and the finance manager, no one called me. I asked for the owners information as well and no one has given me that information. 
XX/XX/XXXX -The salesperson texted me and said it was a faulty throttle, they replaced the part and its fix the car less than XXXX hours. I told the salesperson again my concerns and that I wanted to speak to the XXXX because I didnt want to drive this vehicle at all. He asked when I could come to the dealership, I told him Monday XX/XX/XXXX. 
XXXX the dealership the salesperson and I were waiting for the XXXX, I was told he was in a meeting after sitting there for over an hour, I finally left. I informed the salesperson again the I wanted to speak with the owner, and I wasnt driving that vehicle, my life was in danger and this vehicle wasnt for me. 
XXXX of today, I still haven't spoken with the managers, XXXX nor the owner of this company and I'm still without any vehicle.