23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I received credit denial for an auto loan from this bank from a dealership ( XXXX XXXX App # : XXXX ). Their reasonings for credit denial were based off of credit reporting for items that went delinquent due to unemployment delayed from a XXXX and several XXXX unemployment claims still unpaid and unresolved. And zero pandemic assistance received during the entire COVID-19 timeframe. Everything was delinquent and caused my credit issues because of delayed unemployment, delayed assistance, and I applied for thousands of jobs claiming to be hiring and they were not. I started doing XXXX XXXX XXXX of XXXX because I was homeless and sleeping at rest stops seeking help for shelter, etc. Or I was denied the jobs based off of EEOC violations. In which case, I have hundreds of complaints filed with all of these agencies that went unresponsive for a year or longer. 

I am owed roughly {$42000.00} to {$96000.00} in unemployment money. I wound up homeless and lost my FHA HUD backed mortgage waiting on nothing to happen. And my congressman sent the police to my home to have me XXXX  and committed for a XXXX XXXX versus resolving what I was contacting his constituent services about. Him and all other political representatives in my district and directors on all levels of government agencies received hundreds of letters, emails, calls, etc., from me and NOBODY responded over a 4-year period. Which prompted a congressional ethics complaint. Prompting me to go about this in this manner to prove a point to the lack of action and response from people who are supposed to be a service to the public and I was a taxpayer. And now am again. 

I'm not in my situation by choice. I didn't create this!
Product: Money transfer, virtual currency, or money service

I bought a machine thru XXXX and paid with PayPal. The seller sent me a COMPLETELY different machine than what I ordered and not only is it not what I ordered the machine I received is broken. I have gone back and forth since the day I received the machine with the seller, XXXX and ultimately filed a dispute with PayPal on XX/XX/. PayPal has pushed the resolution date back 14 times and is allowing fraud. Ive been given every excuse in the book even after Ive sent countless photos, videos to prove what I ordered and what I received are not the same and the machine is non functional. The seller finally agreed to refund if I sent the machine back but has given a non deliverable return address, again Ive screenshoted that the address provided is not a valid address to PayPal six times and theyve done nothing but protect this fraudulent seller.
Product: Credit card or prepaid card

This card was aquired at a time I was married to the mother of my children. She had used it on different occasions and I decided to fille for bankrupcy at the time and the credit cards where in the audit. I had this mention to the credit card company thus they terminating my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft for some time now, there has been fraud accounts on my profile and overtime the credit bureaus assisted me in removing them. I recently reached out to the bureaus to have these fraud items blocked/removed like the previous accounts before and XXXX  and XXXX  did their jobs in no time. Equifax on the other hand, has received my request to block these fraud accounts, through the 605 ( b ) laws, as I've sent in a FTC Law Enforcement Report, list of fraud item, and proof of identity displaying my I.D cards. Equifax continues to tell me over the phone that they are still working on their investigation and its been about a month since they've received notice. I have two separate confirmation # s for two separate occasions having to block these accounts. 4 days after receipt of block request using the necessary documents is as long as the credit bureaus have to remove the identified fraud items off a consumers report, that is law! That statement is not an opinion, these are the FCRA Laws, Law 605 ( b ). So why is this item still on my report? Because Equifax is WILLFULLY and KNOWINGLY being negligent of identity fraud. This has to stop!
Product: Debt collection

Back in XX/XX/XXXX, IQ Data called my cell phone requesting a payment for a debt that accrued through my old apartment complex. I was unaware of the debt due to me giving proper notice to vacate the property. When I was contacted via telephone I was told that if I didnt pay my debt that my kids would never go to college because they were going to make a permanent mark on my credit report. I began to seek legal advise regarding this issue. I was unable to follow through with hiring a lawyer. On XX/XX/XXXX I paid my debt off. I was told that this would be taken off my credit report and that the debt was settled. 

In XX/XX/XXXX I applied for a rental property and was denied due to this still being on my credit report. It is showing a large sum being due. I called the IQ data on XX/XX/XXXX to inquire why this was still showing up on my report. They stated that although the debt was settled and i was not responsible for further payment, I still had a portion that needed to be paid off. I have the receipt of the payment I made back in XX/XX/XXXX, it shows a XXXX balance remaining and releases me from this debt. 

The amount that was due was {$1100.00}. The amount settled on and I paid was {$940.00}. This was paid on XX/XX/XXXX. I have been denied housing because of this company. They made sure to keep up with their threat of permanently ruining my credit report. I will not be able to rent a property or get approved for a loan to purchase a house due to this. The companies information is listed below. 

I.Q. DATA INTERNATIONAL, INC. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX XXXX   XXXX, XXXX, WA XXXX HOURS : MONDAY-FRIDAY XXXX TO XXXX PST TOLL FREE : XXXX OR ( XXXX ) XXXX FAX : ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is on my credit reports all information reported must be accurate this is identity theft I never owned signed a contracts or possessed the vehicle this violates contract law universal law fcra and fdcpa and the ucc I will go to the fullest extent of all law and order to correct this matter of not corrected in 15 calendar days of this notice this serves as a quasi contract from silence in every attempt that's been made to correct this in civil regard
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off a consent agreement to a company called XXXX. I paid off a XXXX balance in two years once I paid this account off it took me two months to get the account removed. Once the account was removed my credit SCORE dropped XXXX points!!!! ic There is no logic in that. 

This was done by Equifax.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX XXXX XXXX XXXX THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, Experian, and XXXX have 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

CREDITOR HAS VIOLATED THE FCRA REGULATION V/ FCRA SECTION 623 ( A ) ( 7 ).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. 
I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. 
IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CAN NOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX 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: Debt collection

I demand this be DELETED from my credit score. I am being XXXX  with phone calls at all hours of the day. This collection was paid to the original creditor by XXXX XXXX long ago.
Product: Debt collection

My information was used to obtained services to opened an account ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX that I was unaware of and gave no permission to do so. The account was opened on XX/XX/XXXX with a Credit limit {$4000.00}. It currently shows on my credit report since XX/XX/XXXX an outstanding due balance of {$6900.00}. This account was obviously opened fraudulently without my permission and need this account to be removed off my credit under the ( Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. The address used in associated with opening this account was XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. I have no knowledge of this address. This information is in violation for inaccurate reporting under FCRA. The reporting is negligent and erroneous data in the way the company is reporting this information and is in violation of the FCRA. XXXX, XXXX and Equifax is in violation of this reporting! Immediately remove this account from my credit file immediately within 30 days! I will file a lawsuit in this matter if this information is not removed!
Product: Debt collection

the credit bureaus XXXX, XXXX, XXXX  has been defaming my character and reporting false consumer credit transactions without my consent.I am victim of identity theft and i request these account be blocked from my credit file i have provided documents of identity theft and based on the consumer reporting and the fair credit reporting act i need the actin taken care of immediately
Product: Mortgage

I have a HELOC with them as well as my original mortgage. 

Sometimes when I have extra money, I pay it toward my mortgage, making an OVERPAYMENT. Dovenmuehle Mortgage is placing all my overpayments into a suspense account. They will not apply these funds to my mortgage. Instead, they are using the funds for their own benefit. 

I have spent hours on the phone trying to resolve this. Their reps don't even know what a suspense account is and they don't care enough to find out. When I ask for a supervisor I am always told they are not available but will call me back. I've never been called back. This is just a ploy they use to get you off the phone without resolving your issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following credit inquiries currently listed on my Trans Union, XXXX, and XXXX credit report are unauthorized and not my credit inquiries : XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XXXX. XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX, XX/XX/XXXX, and XXXX XXXX, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My credit report contains incorrect personal information. I've included my documents to help you make the necessary updates
Product: Debt collection

After multiple investigations and sending certified letters. It is evident that my FCRA rights and need to remove XXXX XXXX. My FCRA rights have been violated and if XXXX XXXX isn't removed immediately my attorney will have to file a lawsuit in XXXX County, GA. 

Ive created 5 disputes since XXXX and this credit reporting agency is violating my rights and is not taking my facts seriously. 

XXXX  is continues to report inaccurate information. This account appears on XXXX XXXX report as well so why does the responsibility show individual? Again this company refuses to report accurate information. 

Exeter shows {$7500.00}. The amount shown by XXXX XXXX is {$7600.00}. Again this is all incorrect. XXXX XXXX and Exeter have a contract agreement for {$7600.00} dated in XX/XX/XXXX ; however, as shown in the statement the amount is shown as {$7500.00}. 

XXXX XXXX doesnt have a contract for {$7500.00} yet this is the amount Exeter shows which is the original creditor. 

XXXX also shows as a collection from XX/XX/XXXX-XX/XX/XXXX but how can this be when the account shows an open date of XX/XX/XXXX. Another inaccuracy. 

In addition, the first date of delinquency was XX/XX/XXXX as shown on the XX/XX/XXXX PDF. Therefore, this account should be removed because of the first date of delinquency. The statement also shows late fees and charges as of XXXX. 

XXXX shows that this account is on record until XX/XX/XXXX. Thats another inaccuracy as it should be deleted bc of the first date of delinquency. 

I'm not asking for an investigation as it is apparent XXXX XXXX does not take this seriously. This account needs to be removed based on multiple inaccuracies and the first 30 day late was in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to solve this problem for some time with the credit reporting agencies and the corporations and debt collectors they allowed to put inaccurate items on my credit report without permissible purpose. They have continued to report items as well without my permission and not being 100 % accurate under 15 US Code 1681e ( b ). 

I am a litigious consumer meaning I am unreasonably prone to go to court to settle disputes and am in the process of taking legal action in this matter to enforce my rights under FCRA and FDCPA. This is my official notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an inquiry on XX/XX/2022 from { XXXX } On XX/XX/2022 and XX/XX/2022 as well as XX/XX/2022 I submitted Written evidence as well as documents showing that the information that is being reported is incorrect I am not familiar with this inquiry 100 % no accurate chamges have been made to my report since I have submitted this evidence
Product: Credit reporting or other personal consumer reports

These companies broke the law and violated 15 USC 1681 ( a ) ( 1 ) & 15 USC 1681 ( e ) maximum accuracy compliance and procedure they hired XXXX, XXXX, and XXXX who are furnishing inaccurate and unverified information on my consumer report. Proof of inaccuracies is attached ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX, bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( KASHABLE LLC ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX ) LAST REPORTED DATE XX/XX/XXXX. ( date last active ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) reporting differently on each bureau ( XXXX  XX/XX/XXXX ), ( XXXX XX/XX/XXXX ), ( XXXX XX/XX/XXXX ) This is making me lose confidence in the banking system due to these violations. I the consumer does not grant XXXX, XXXX, or XXXX the permission to furnish these inaccurate reports I demand that they delete this account from my consumer report. in accordance with the fair credit reporting act convergent XXXX, XXXX, and XXXX has violated my rights. 15 USC 1681 section 602 A. States I have right to privacy 15 USC 1681 section 602 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit that is not mine I need this off my credit report since it does not belong to me in any shape or form I have not applied signed or used an account like this. 

XXXX/XXXX - XXXX
Product: Checking or savings account

Back in XXXX, my debit card was pre charged for a hotel stay. During the check in process, the hotel cancelled this stay due to the fact I had a cat with me. When I had made the reservations their online page stated they are pet friendly or I never would have made the reservations. Nonetheless, the hotel reserves the right to cancel.

After 2 weeks and the funds from the cancelled reservations still had not reversed, I contacted my bank, BMO Harris. It took another 5 weeks after I reported this for BMO to issue me a provisionary refund. 
As of last night ( XX/XX/23 ) BMO reversed the provisionary refund, leaving my account negative {$500.00}. 
I had filed a police report in support of my claim. I provided BMO with a copy of the cancellation email I received from the hotels cancellation. I did everything they requested in order to receive my money back. Only for them to reverse the refund.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair credit Reporting act XXXX Account # XXXX 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: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report and request its deletion in accordance with the Fair Credit Reporting Act ( FCRA ) and other relevant laws. This letter pertains to my rights under the following statutes : This Debt has been resolved and yet XXXX XXXX XXXX hasnt removed this account from my credit report! Its reporting on XXXX and XXXX Relevant Legislation : 15 U.S.C. 1681 : General provisions and definitions 15 U.S.C. 1681e ( b ) : Compliance procedures 15 U.S.C. 1681s-2 : Responsibilities of furnishers of information 15 U.S.C. 1681i ( a ) ( 5 ) : Reinvestigations of disputed information Disputed Information : Upon reviewing my credit report, I found the following inaccurate and potentially fraudulent information : Creditor Name : XXXX XXXX XXXX Account Number : [ Number ] Date Opened/Inquiry : XX/XX/year> Reasons for Dispute : Inaccurate Reporting : Under 15 U.S.C. 1681e ( b ), it is required that credit reporting agencies maintain maximum possible accuracy. The listed items do not meet this criterion.

Obligations of Furnishers : As per 15 U.S.C. 1681s-2, the furnishers of this information are required to report accurate data. Their failure to do so necessitates the deletion of these entries.

Reinvestigation Requirement : In accordance with 15 U.S.C. 1681i ( a ) ( 5 ), I am requesting a reinvestigation of these entries and their subsequent deletion.

Supporting Documentation : I have enclosed copies of the following documents to support my dispute Action Requested : I formally request that you : Delete all the disputed accounts on my credit report. 
Ensure that all inaccurate information is permanently corrected and removed. 
Provide me with a corrected copy of my credit report reflecting these changes. 
Refrain from re-inserting any incorrect information unless it is verified as accurate.

Legal Rights : Under FCRA 611 ( 15 U.S.C. 1681i ), you are required to investigate my dispute and correct any inaccuracies within 30 days. Additionally, under 15 U.S.C. 1681e ( b ), you must ensure the maximum possible accuracy of the information reported.
Product: Vehicle loan or lease

XX/XX/XXXX sent Ford Motor Credit notice to rescind any written or verbal contracts with my signature. And to return the securities and FRN ( USA dollar bills ) payments made over the length of the establishment of this account. 
A registered securities was mailed out and accepted on XX/XX/2024, been over 30days. 
Ford Motor Credit per CFPB responded with a letter informing me that they will not stop receiving and selling my securities fraudulently. This fraudulent debt thats continuingly collecting interests and principal on behalf of my signiture.
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. Upon reviewing my updates, incorrect information was found in my reports. The TransUnion 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 XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX XXXX  Inquiry Date XX/XX/XXXX ; XXXX Inquiry Date XX/XX/XXXX