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

On Saturday, XX/XX/XXXX, I applied for XXXX XXXX, a program where one is given an installment loan on a XXXX cell phone. When applying you are submitting an application with TD Bank. I submitted my application and knowing my credit score was over 700 I thought I had no problem getting approved. I was then informed to call an XXXX before my application would be approved. I did so and the agent told me that my application was being escalated to another department for approval. I then received a call from TD Bank asking to call back, which I did and I was told they would have to run my credit a second time in order to make a determination. I informed them this would hurt my credit since it would be another " hard pull '' on my credit report, and I did not understand why they needed to do this. I was informed that they had to and they knew it would hurt my credit score but it was  required. I have worked very hard to increase my credit score and knew this would negatively affect my score. After again stating I did not understand, they would not agree to proceed. This I think is illegal to pull your credit twice in a row when this negatively affects people 's credit, and for no reason. I also do not understand why XXXX uses TD Bank, when I thought I was applying with them. Another person would agree not knowing and be negatively affected. Either approve the application or deny, but to state they needed to pull the report a second time when it would hurt my FICO score is not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX ; XXXXXXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX XXXX XXXX XXXX  XXXX Account XXXX : XXXX ; XXXX Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Account Number : XXXX
Product: Credit reporting or other personal consumer reports

XXXX  credit report shows hard credit inquiry from Santander Bank and I tried calleing them but they would hang up on me and not help me why they ran this hard inquiry on my credit without my permission
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened a discover credit card in my name fraudulently. Experian is still reporting this account. This is in direct violation of my consumer rights.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I fell behind on payments and this account was charged off XX/XX/XXXX with a balance of {$770.00} and this has been the charged off balance since XX/XX/XXXX on XXXX, XXXX and XXXX. I recently applied for a home loan on XX/XX/XXXX and 2 days later this creditor has added {$720.00} to the charged off balance and now today they have added {$34.00} to the charged off balance bringing the balance to {$1500.00} on all three credit bureau. They are inaccurately reporting the balance owed on all three credit bureaus and inaccurately adding more to balance owed.
Product: Credit reporting or other personal consumer reports

There is a collection account on my credit report from XXXX XXXX which lists Comenity Bank as the original creditor of the account. I don't recall having an account with your company. Can you please send debt validation for the account number XXXX. I will need to see the original contract bearing my signature because my information was compromised in the XXXX data breach. I will also need to see the forward flow agreement along with correspondence informing me that the account was being sold. If I had this, I would have known about this account and could have disputed sooner. Please inform me as to what the balance is and how much the account was sold to XXXX XXXX. Also provide me with the 1099 form since this account was written off. If you can not provide all of the information requested, and if you have not done an investigation into the XXXX data breach claim when I have already provided my claim number, then please contact the collection agency and have them remove this account due to inaccurate reporting.
Product: Debt collection

PLEASE BLOCK AND REMOVE Please take urgent action to remove the fraudulent inquiries from my credit report, as they were not authorized by me and are causing me significant distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX when XXXXXXXX XXXX  received notification ( from Experian ) that I had finally been able to afford to pay off two XXXXXXXX XXXX  accounts ( sold to XXXX XXXX ), XXXX took advantage of the notification from Experian that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX accounts sold to XXXX XXXX XXXX chose in less than 48 hours of receiving Experian delete request and proof both accounts were paid, XXXX knowingly and intentionally seized the opportunity to incorrectly report back to Experian " charge off '' status to Experian. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX had not reported to credit reporting agencies since XXXX, on either account. It was only when Experian contacted XXXX and notified them that I had paid both debts XXXX XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX reported back to Experian, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX about the response and change of status to charge off, XXXX phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX engages in predatory practices and that is why there are over XXXX complaints with XXXX I also recognize that because Experian has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original XXXXXXXX XXXX negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax sent an email about an update. The update does not make it clear what actions were or were not taken regarding my challenge of incorrect information being reported. 

CREDIT FILE : XX/XX/XXXX Confirmation # XXXX XXXX XXXX XXXX which is not the original debtor isn't reporting accurate information. Additionally Equifax lied on the update saying my concern wasn't clear. 

The concern is the date and this being outdated. Accounts must be removed according to the opening date. The opening date was XX/XX/XXXX.
Product: Debt collection

Franklin Collection Service has listed a balance of {$220.00} from XXXX as an original creditor on my credit reports. I have mailed Franklin Collection Services certified letters regarding this collection. This negative tradeline is currently on my XXXX and XXXX credit reports. Franklin Collection Services has not responded and has not contacted XXXX and XXXX to have this collection removed from my credit reports. 

I am asking for assistance in this matter of resolving this problem. Attached are my letters and certified receipts.
Product: Credit reporting or other personal consumer reports

In care of XXXX XXXX Dear sir : this is getting to be unacceptable. I have made complaints to this department that don't go anywhere My complaints are bused in the law, yet they continue to be ignored. Once again I will be quoting law. 

Improper use of my Credit Report XXXX is obligated by the FRCA to report accurate accounting, as the consumer I have advise that all the inquires reported was fraud. Said company XXXX days according to law to remove such items FTC fraud report was file on behalf of myself the consumer. I the consumer is now requesting XXXX to provide the documentation used to determine inquiries was indeed authorized by myself the consumer. XXXX has 15 days to provide me with the name of the person spoken to. documentation used, signed application with consumer wet ink signature. The consumer being myself is not asking for an e-Oscar report. If XXXX does not provide me with the documentation to show these inquiries were authorized by me the consumer, it must be removed asap. Said company is liable under SEC to follow certain rules. XXXX XXXX file # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina XXXX XXXX I will be filing form XXXX treasury omb from to audit consumer or my account. XXXX is securitizing consumers data yet refuses to provide consumer a copy of their Consumer File Not Consumer Report.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX XXXX. The information on my credit report is not valid
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I have been unable to access my online banking account for over a month. I called Capital One, and they escalated the request to " Tier II. '' I heard absolutely nothing from them. This call took place around XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I visited a Capital One caf account. The XXXX banker called Capital One, and they said that they were aware of the issue and they were issuing a patch that would correct the problem at midnight ( on XX/XX/XXXX ). He said it was a problem that had resulted after a system update, and had affected only a few dozen people. I was told that it would fix the problem, and on XX/XX/XXXX I would be able to access the account. I still can not. I called again today ( XX/XX/XXXX ), and all I was told was " they were aware of the problem and do not have an estimated time of resolution. '' It 's an online account, and I have no way to access it other than through the app. It 's exceptionally frustrating, and Capital One does not seem to be taking the matter seriously since it 's only effecting some of its customers. Can you assist?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX sunrise credit services, XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX. 

15 U.S.C 1681 section 602 A. State 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.
Product: Vehicle loan or lease

Imake a XXXX ' $ dollar payment to my car but the balance still the same Hyundai say he receipt the payment but the money never applied to my account my contract show is for 72 month I have my car for 3 months now the company say is only XXXX payment to finish my contract but the balance still the same
Product: Money transfer, virtual currency, or money service

I hired some movers outside of XXXX XXXX to help me move out of an old address to a new one that wasnt too far from the old one. 
Location is XXXX XXXXXXXX XXXX Ca XXXX 
I have a personal phone work phone and XXXX. In the midst of us moving my stuff around, my XXXX was tooken from one of them while I was not looking and I did not notice until a few days later after the job was done. But I had them working for me for about 3 days so when I asked if they seen it they said no. Then I figured out how to do the find my location on there and traced it back to a dump in an alley not too far from where the XXXX XXXX was. My cashapp was used multiple times to send money and transfer money. Without my consent. 
Cashapp refuses to help me get my money back or give me a refund. Its not fare to me especially in the time of the holiday season
Product: Vehicle loan or lease

Toyota Financial Services and its representatives at XXXX XXXX in XXXX, AZ refuse to sell GAP products to military members.
Product: Mortgage

Nation start has intensely avoided my complaint and ignoring my email, ignoring my voicemail, ignoring CFPB complaint See attached documentation
Product: Credit reporting or other personal consumer reports

Upon a thorough review of my personal credit report, I have identified several discrepancies. I acknowledge that errors can occur, but these particular inaccuracies pose a significant threat to my prospects of becoming a homeowner. I have conducted research on the dispute resolution process and understand that you are required to complete your investigation within a thirty-day timeframe. I kindly request that you invest the time and effort necessary to rectify and update the inaccurate information on my credit report. Given the current economic challenges we are facing, I can not afford to have erroneous data adversely impacting my credit score. I eagerly anticipate receiving an updated version of my credit report that reflects these necessary corrections within thirty ( 30 ) days. BANK OF AMERICA , 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. Also please note that I do not consent to an electronic communications. I request all responses be in writing throughtheusps and I'm the one filing this complaint, and I give Consumer Financial Protection Bureau ( CFPB ) authority to investigate this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX account # XXXX, XXXX XXXXXXXX XXXX account # XXXX, and XXXX XXXX XXXX account # XXXX, has violated my rights. 

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
Product: Money transfer, virtual currency, or money service

I have evidence on my phone. I did not approved the payments and I sent money to them and released they are scammed and they just kept wanting money and I want my money bank.
Product: Debt collection

I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXXaccount number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : XXXX. XXXX account number : XXXX Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

It appears that my my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of Equifax 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to Equifax to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. Equifax have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. Equifax will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.
Product: Payday loan, title loan, or personal loan

I am writing to file a complaint against Wheels XXXX Financial and their Director of Compliance, XXXX XXXX. My rights have been violated due to their harassing and abusive debt collection practices. 

XXXX XXXX has repeatedly called me at all hours of the night, despite the fact that debt collectors are not allowed to call debtors before XXXX XXXX. or after XXXX XXXX. in California without my permission. His calls have been threatening and harassing, and he has increased my balance significantly. The harassment has increased since filing my previous CFPB complaint. This complaint was filed due to balance discrepancies. As you can see, theres a lot of animosity and a significant increase. {$11000.00} increase from a {$2500.00} loan, with the vehicle reposed and never credited. In addition, many other factors were ignored such as my attempts to email the company for relief during COvID. In addition, the company allowed additional fees to incur by not providing the tow yard a key upon their request, resulting in the locks being cut from the door. The lack of response from LoanMart was a financial charge to me although both myself and XXXX XXXX XXXX confirmed she tried reaching the company. 

I have picture evidence and an email from XXXX XXXX in which he implies that I have no association with the XXXX XXXX as a member, and attempts to intimidate me. I believe this is a violation of my consumer rights, and I am deeply troubled by the behavior of XXXX XXXX and Wheels XXXX Financial. 

I request that CFPB investigate this matter and take appropriate action against Wheels XXXX Financial and XXXX XXXX. I also request that my consumer rights be protected, and that I be compensated for any damages or losses I have suffered as a result of their actions. 
Thank you for your attention to this matter.
Product: Credit reporting or other personal consumer reports

I contacted transunion about an unauthorized inquiry that was mad on my account. When doing so they stated I had to contact consumer relations and speak with them about it. When contacting consumer relations on Friday I made them aware that I was not the one that authorized this inquiry. When doing so I also informed them that this was a bank in XXXX when I called transunion prior to dispute the inquiry they gave me the information I needed to know. I told them that it was not me and I would not try to get a bank in a whole other state thats not even located where I am and how it didn't make sense they stated they would flag the account and notify the bank of the unauthorized inquiry, I am doing this complaint because I feel I shouldnt have to call multiple times on a inquiry that should have been removed once notified it wasn't authorized I already have fraud lock on my credit reports due to the issues of fraud in general. I have a etc report of the following inquiry that I did not authorize and need this removed from my credit report immediately. per fcra law information related to identity theft needs to be removed within 4 days.