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

I applied for an auto loan and was denied because the vehicle is considered a commercial vehicle and I would need to apply and fill out documents for a commercial vehicle loan. The bank should not have pulled my credit report because they never attempted to process my loan. It was denied because the wrong forms were filled out. Please remove this hard inquiry from my account.
Product: Credit reporting or other personal consumer reports

Did not consent to unauthorized inquiries the inquiry was not authorized. Also, the inacurrate addresses 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 IL XXXX XXXX XXXXXXXX XXXX  XXXX, OH XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 13th 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 of CREDIT BUREAUS. 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 an alleged fraud Pursuant to Section XXXX of Fair Credit Reporting Act : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XXXX XXXX Inquiry Date XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA I'm entitled to XXXX dollars per violation and clearly they violated my rights. According to law 605 b from the FCRA nothing should get reported to my credit report without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019, the President XXXX XXXX  the XXXX XXXX   for a month and a half. Because of this I couldn't maintain my mortgage because we didn't get paid 2 checks. XXXX put me on a Forbearance plan until XX/XX/2019. Those missed months will be worked into a Home Modification plan in XX/XX/2019. When XX/XX/XXXXcame, XXXX XXXX took over from XXXX with my account and start the process for Loss Mitigation plan. I was to maintain my $ XXXX monthly payment and try to catch up the {$8000.00} balance from the miss months. I was told that because I'm in this process of sending documents to their underwriters and maintaining my monthly payments. They wouldn't report any 30 day late payments. Well I didn't miss any payments and I just finally paid the entire balance in XX/XX/2019. They are still working on my Loss Mitigation/Home Modification package. Last week, XXXX account report a 30 days late from XXXX XXXX on my Experian and XXXX and dropped my score 64 points. This should be removed based on the information I stated and was told. I'm including documentation.
Product: Credit reporting or other personal consumer reports

I have identified the following incorrect accounts and request that they be updated or removed : XXXX XXXX XXXX Balance Owed : XXXX XXXX-The number of late payments is incorrect. I never missed a payment. Please adjust immediately. XXXX XXXX XXXX XXXX : $ XXXXYou are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 
XXXX XXXX Balance Owed : {$16000.00} XXXX XXXX XXXX Balance Owed : $ XXXX XXXX Balance Owed : $ XXXX XXXX XXXX Balance Owed : $ XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX Balance Owed : $ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigated and deleted for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022
Product: Debt collection

I purchased a car a XXXX XXXXXXXX XXXX from American car financial company, 2 months before they closed their doors forever due to filing bankruptcy and abandoning their car lots i had paid my car off, then all of a sudden i see Westlake pm saying i owe them car payments, i told them i don't my car was with American car financial and not Westlake and I'm not repaying for a car i have paid off, from that point they put it on my credit report which i disputed and XXXX and XXXX took it off at first then put it back on there and that's fraud, XXXX is reporting i owe Westlake pm the total amounts of {$19000.00} and XXXX is reporting i owe {$23000.00} and this is all fraud and reporting as bad debt charge off and XXXX is reporting profit for loss, and that's fraud as well. 

At this point i can not get another loan or lease because of this fraud activity, i never had or did business with west lake pm or financial and i want my {$1000.00} dollars a day from XXXX and XXXX for allowing the fraud activity to happen on my credit profile which is totally a FCRA violation. and since Westlake pm is reporting profit for loss, i was never given or sent or mailed a 1099-c which is a cancellation of debt and according to F.C.R.A. section 623 ( 15 U.S.C. & 1681s-2 ) since i never got a 1099-c this is fraud not just on my credit profile, but to the i.r.s. and to the credit buraus and since i have been injured in this blatantly damaging to me and my credit i am requesting compensation of {$1000.00} a day that this fraud reporting have appeared on my credit report.
Product: Checking or savings account

When ever I open any form of a credit or bank account XXXX early warning system, reports so incorrect and miss use of there power because Not one single person is checking on the fact that I was avictim of the XXXX breach and XXXX XXXX Breach to also be top off by my realtive whom I share the same name as well as DOB, and Social security number being swapped around.thusfore if the credit bureaus and ers were properly doing there job they would have caught my aunt using my name as well as my Social Security Number and other vital information was on the dark web for sell and yet coupled with the knowledge of this the**MASSIVE ISSUES** I'M BEING HEEALD RESPONSEABLE FOR MY IDENTITY BEING OFFERED TO WHOMEVER BECAUSE OF BOTH EQUIFAX AND XXXX XXXX, NOT HAVING A MORE SIGNIFICANT DATA PROTECTION FIRE WALL AND OTHER ADVISIVE SECURITY BASE TO PREVENT THE CONSUMER OF BEING UNWILLING PARTICIPATES IN THERE GAME AND SPOKEN TO AS THOUGH WE WERE THE SUSPECT.ALL CREDIT BUREAUS KNOW THAT I WAS A victim of identity theft due to the fact that my aunt was perpusly willfully and premeditatedly using my identity and commiting fraud against stores and shop owners as well as several bank institutions. My family and the late judge XXXX worked tiresly to prevent me from being a unwilling and unparticpant yet no one has decided to go on with doing what is the right thing to do and correct all the wrongs they have allowed to go on ruining my life and my credit. I'm asking for all corrections and experid be removed and strickened from my reports, public and private within the,30 day time frame alotted by law.if you have any questions please feel free to contact me again via phone @ XXXX Sincerely Mom
Product: Credit reporting or other personal consumer reports

I was shocked to see inaccurate accounts appear on my credit report this afternoon, and I have no idea why this is happening. I regularly check my credit report, but this time there were discrepancies that I didn't expect at all. I even tried refreshing my browser, thinking it might be a glitch, but nothing changed. The inaccurate accounts remained, which is incredibly concerning. Because of this, I request that the documents I've sent be thoroughly reviewed so that I can have peace of mind and not have to worry about this again.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's been 121 days and no response from the credit bureau. The letter is attached of what I sent. 

Also, I was denied a home loan because no records can not be located with the account numbers that is being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX Account # XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several 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 an alleged fraud or extortion. 
XXXX SELF-REPORTED XXXX Balance : $ XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported XX/XX/XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$170.00} XXXX XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint for myself because I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX I Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX BANK Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXX AUTO Date of Inquiry XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report and noticed some things that were reporting incorrectly. I sent multiple letters to XXXX, XXXX, and Transunion asking them to validate the Bankruptcy Account and investigate the completeness and accuracy of the accounts. However, I waited the required amount of time, and everything was updated as verified. I then sent letters to the bureaus asking for their method of verification and a description of the investigation based on 15 USC 1681 ( 7 ). The response I received was it was verified through XXXX XXXX. After this, I requested a copy of my consumer report from XXXX XXXX and verified if this account was actually on the report and it wasn't. I also called XXXX XXXX to confirm this information and I was told that there was no Bankruptcy showing on my consumer report and that they did not receive any request from the credit bureau requesting for verification of this account. I am beyond upset and frustrated, that a company that is supposed to report complete and accurate information on my customer report, can flat-out tell me false information and then verify the validity of this account. I also sent a letter to the Clerk of Courts for XXXX XXXX XXXX XXXX appearing on customer report that is reporting ), who states that they do not furnish debt collectors or credit bureaus any information. This is in direct violation of 15USC 1681 ( 7 ). They have also violated 15 USC1681 ( 5 ) and USC 168e ( b ), just to name a few!

As you can see, this has been an ongoing battle for many years trying to get this corrected. At this point, after all I have done to get this matter rectified, it makes no sense!
Product: Checking or savings account

On XX/XX/10 I noticed 3 unauthorized transactions in my Chime checking account, I filed a dispute with chime for these 3 charges totaling {$1200.00}. With in 3 hours of my filing the dispute Chime close the dispute and found against me saying no error occurred. They did not even give me time to submit my proof before closing the dispute. 

I want Chime to actually dispute the charges and do their job as a financial institution. I want the {$1200.00} credited to my account while they investigate
Product: Credit reporting or other personal consumer reports

I applied in XX/XX/XXXX and was waiting on background to get back I told him I had XXXX XXXX but was hoping this XX/XX/2024 would be expungement and he said my XXXX shouldnt be. Problem well since XX/XX/XXXX Ive been waiting and kept waiting had me waiting and nothing no reason why and what was that notice first since them there is something on my credit that keeps rejecting me of any employment why does he give me adverse letter with motive or anything and he doesnt even have a background report I feel someone is unsung my report improperly matter I have bills to pay daughter to take care of
Product: Money transfer, virtual currency, or money service

on XX/XX/XXXX I received a refund for XXXX. I made the purchase through PayPal so the refund was sent back to PayPal. PayPal sent the refund to the card that I made the purchase with. That card was with my bank and that account had been closed. the bank stated they would have returned the refund bc the account was closed. I called PayPal back and they assured me the refund hadn't been returned. My bank also told me they needed a XXXX digit transaction ID so the could track the refund. I contacted PayPal and the person I spoke with sent me a XXXX digit transaction ID. I tried to give that to my bank but it wasn't the correct number. I called PayPal again and told the lady i need a trace request sent to my bank. She told me I would have the refund in 24 to 72 hours. Instead I got a message that the transaction was successfully sent to the the card that I used and gave me a XXXX digit reference number to give my card provider. I called the bank with that number and that was again not the right number. I called PayPal again and spoke with someone in the dispute department and he said he sent in a request for a XXXX digit trace number. the message I got after that was the same message I had received the time before. I went to the main branch of my bank and they explained to me the PayPal needs to contact the bank the use and get the trace number from them. I called PayPal again and got a supervisor on the phone.. the supervisor told me they are the bank and the two numbers they gave me was all there was. I told him I just googled PayPal and they are not a bank and I told him what bank they used. After I said that, he told me that PayPal has done all they can do for me. It has been well over a month of me trying to get my money returned to me and I am extremely frustrated with PayPal bc they seemed like they either don't know how the company works or they don't care to solve the problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I requested an investigation of accounts listed on my credit report with tracking number XXXX. Again on XX/XX/XXXX I requested a reinvestigation of accounts listed on my credit report with tracking number XXXX. XXXX XXXX XXXX - XXXX. On XX/XX/XXXX I requested an additional investigation with tracking number XXXX. Additionally on XX/XX/XXXX I provided documentation and a request to the credit reporting agencies via USPS Certified Letters with tracking numbers XXXX, XXXX, and XXXX to remove late payments that should not appear on my credit report. 

Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not give any Credit Reporting Agency written instructions to furnish this transaction on my credit report.

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report CLEARLY STATES : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;
Product: Debt collection

I received a voicemail from a XXXX XXXX, indicating that I would need to meet her at my home on Thursday with valid ID in order to sign for " certified documentation. '' She then proceeded to leave me a number to the mediation office, along with a claim number. She said that I had been " notified, '' and she would see me on Thursday if she did not receive a Stop Order. The phonecall was very threatening. I immediately called the number she had given me, and received the voicemail for someone named " XXXX. '' There was no last name or no company name listed. I left him a voicemail telling him not to contact me again about this issue. Despite that, he called me back after 5 minutes. He informed me that he was from XXXX XXXX in XXXX XXXX XXXX, but would not give me a physical address. He said his name was XXXX XXXX. He said that he was trying to collect a debt from Mypaydayloan.com. I have filed a separate complaint against them. I asked XXXX XXXX AGAIN not to contact me about this issue.
Product: Debt collection

The debt, Belk account was settled and paid with a collection Agency, in XX/XX/XXXX and XX/XX/XXXX, with confirmation numbers and check numbers. I have sent this information to another agency who is trying to collect on the debt, each time I call to verify it 's been taken care of and collection attempts to stop, I keep getting information that is incorrect. The original debt collection agency was XXXX XXXX. I was told on more than one occasion that they could not give me any information because it was archived and they gave me other phone numbers to call. One was the original credit card company and when I called their number the recording stated that they were not taking calls at this time. This was on a Thursday, before XXXX CST. Finally I was able to get in touch with their dispute department, via internet and email, I did get a response that the debt was paid in full along with the account number. I am still having issues with the NEW Collection Firm.
Product: Credit reporting or other personal consumer reports

Information regarding these accounts are inaccurate. whether they are included in bankruptcy still reporting my credit report. I disputed these accounts and XXXX has not attempted to remove nor correct any information, it just says consumer disputed, which I would like to be removed also These accounts include : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Im requesting this derogatory remarks be removed or corrected immediately as it is affecting may chances of acquiring goals I want to achieve. XXXX violated my rights as a consumer as well as federal laws
Product: Credit reporting, credit repair services, or other personal consumer reports

A bankruptcy is being reported on my credit report stating the state of Florida Bankruptcy Court has furnished information which is false! I have a furnish a letter by the Bankruptcy Court which has indicated that they do not and I repeat do not give any information to third parties or therefore any one, and therefore has violated my rights. Under the credit fair act section 15 u.s.c.1681 sec a states I have a right to privacy. 15 u.s.c. states a consumer reporting agency can not furnish an account without my written instructions. In providing this information to XXXX and also XXXX has removed the information from my credit report. I would greatly appreciate if you would do the same thing based on the information provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 -Capital one Account # XXXX Inaccurate -XXXX XXXX  ( Original creditor : XXXX XXXX ) Account # XXXX Inaccurate -XXXX  Account # XXXX Inaccurate -XXXX Account # XXXX Inaccurate XXXX Account # XXXX Inaccurate XXXX XXXX Account # XXXX Inaccurate -XXXX XXXX Account # XXXX Inaccurate XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) Account # XXXX Inaccurate All accounts and inquiries have inaccuracies. 
The report reference # XXXX. 
Report date XX/XX/2023 All personal information have Inaccuracies. 

I sent the credit Bureaus letters asking them to verify the debt on my report. They have sent back stating that everything is verified correctly. My credit report are still showing inaccuracies. 
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 information is inaccurate.
Product: Credit reporting

The name XXXX XXXX is not me and should be removed from my report please and thank you.
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the inaccurate reporting of an account on my credit reports, which is associated with XXXX XXXX XXXX XXXX and has been managed by your organization, Medical Business Bureau. This erroneous reporting has had a detrimental impact on my credit standing and necessitates urgent attention to rectify the situation. 

Upon reviewing my credit reports, I have identified discrepancies in the reporting of the account attributed to XXXX XXXX XXXX XXXX. These inaccuracies have adversely affected my creditworthiness, warranting immediate action to correct the record. 

In light of these concerns, I hereby request a comprehensive investigation into the account in question. Additionally, I kindly ask that you provide written documentation to substantiate the validity of the reported account, including but not limited to the following : Signed contracts or agreements relating to the services provided by XXXX XXXX XXXX XXXX. 
Valid photo identification associated with the account holder. 
Detailed records of service dates outlining the nature of services rendered. 
Comprehensive documentation indicating payment dates and amounts made towards this account.