23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I was told the credit card inquiry at XXXX XXXX on XXXX XXXX XXXX, XXXX, VA XXXX was a soft pull and wouldn't impact my credit. 

However, this information was false and my credit score was impacted. 

Not only that, but the cashier manually put in the card information and initiated the transaction without my consent.
Product: Credit reporting or other personal consumer reports

This account was paid to XXXX the original creditor paid in full this account should have never been a collection account, contacted XXXX and even went in to the office and got proof but this company is refusing to take this account out of the Collections from my credit report, I paid XXXX personally. This is against the law I contacted this company numerous times and they have failed to get this deleted and updated like I was told they would
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 at XXXX money was taken out of my account. I did not authorize or send anybody money, however my checking says I sent money to an individual named XXXX XXXX I tried contacting my bank ( Chime ) however they were not able to do anything and is currently under investigation. The person sent themselves {$2000.00} from my account which I did not authorize to do so. I currently have turned off all debit card transactions to avoid any further transactions. Chime is not doing anything to continue this investigation and they continue to ignore any complaints or concerns to help me with this fraudulent charge. I believe someone hacked/committed fraud to my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : 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'm writing to request the removal of multiple unlawful hard credit inquires from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

That called asking for myself I didn't agree and that wouldn't tell who it was and what it was for
Product: Debt collection

I was/am sick for a very long period of time. I have insurance through my dad and briefly through XXXX. I have barely been working throughout the past five years. This company without my knowledge unfairly took advantage of me and hurt my credit score with a bill that is not even valid and is many years old.
Product: Debt collection

My son with the same name as mine used my name to co sign for an apartment. He used my information without my permission. I have tried to resolve this and get this removed from my credit without success. Additionally I have filed a police report for proof. None of this has helped.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I sent a certified letter to Experian along with my driver 's license and social security card. They received on XX/XX/XXXX according to the tracking number. XX/XX/XXXX I spoke to a customer service agent and disputed the addresses and personal information being reported incorrectly. But still didn't adhere to my request. On XX/XX/XXXX I called in and spoke with someone in the fraud department to dispute my name and false address again. Instead of adhering to my request they're adding information. On XX/XX/XXXX I called in again to politely ask them to remove my middle name because clearly they added it from my driver 's license instead I was told by XXXX that they have to input all of my information. I told him to not add my middle name again because I don't use it instead he told me that he was doing it anyway. This credit bureau isn't doing anything but opening me up to more identity fraud like they did when I contacted them on XX/XX/XXXX. This credit bureau agency allowed a consumer to change all of my membership information to his which locked me out my account. I received an email from Experian on XX/XX/XXXX stating that I changed my password and if it wasn't me then respond to the email or contact them. I did contact them and one brave employee told me who did it, where it was done and the information it was changed to. I went and filed a police report then mailed it to Experian who never got so they say, but refuse to help me get all of my information corrected due to their security breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries below are suspicious to me. Please look into it and remove the unauthorized inquiries. XXXX XXXX XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

its a bunch i have hard inquires on here that was not done by me i called tried to dispute online nothing credit is still the same.. 

Also its address that are not mine on there as well as a ss number thats not mine on there as well... 


XXXX XXXX {$750.00} XX/XX/XXXX XXXX XXXX XXXX {$1200.00} XX/XX/XXXX XXXX XXXX {$580.00} XX/XX/XXXXXXXX XXXX XXXX  {$150.00} XX/XX/XXXX XXXX XXXX {$370.00} XX/XX/XXXXXXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX i have 23 inquiries that i did not do nor authorize to be done on my behalf.. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

FOR FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX I DO NOT AND WILL NOT AGREE WITH THE DECISION THAT WAS MADE ON MY LIFE BASED UPON MY CREDIT REPORT WHICH IS REPORTING FRAUDULENT ACCOUNTS. EXPERIAN YOU STILL ARE VIOLATING MY CONSUMER RIGHTS AND HAVE BEEN VIOLATING MY RIGHTS FOR QUITE SOME TIME. YOU ARE NOW SAYING THAT YOU REFUSE TO REMOVE ANY FRAUDULENT ACCOUNTS KNOWING THAT YOU CONTINUOUSLY BREAK THE LAW. AFTER ALL THE PROPER DOCUMENTATION THAT WAS SENT TO YOU. YOU ARE ALSO SAYING THAT IT IS OK FOR YOU TO BREAK THE LAW. AFTER YOU " RESEARCHED '' THE INFORMATION OF ACCOUNTS, DID YOU RESEARCH THE LAWS THAT WERE SENT TO YOU THAT YOU HAVE VIOLATED? YOU ARE NOW SAYING TO ME, THE CREDITOR AND THE CONSUMER, THAT YOU XXXX IS KNOWINGLY BREAKING THE LAW AND JEOPARDIZING THE INTEGRITY OF THIS COMPANY? LET ME REMIND YOU AGAIN EXPERIAN OF WHAT LAWS THAT YOU HAVE VIOLATED. ALSO YOU HAVE VIOLATED A CEASE AND DESIST AND YOU IGNORED MY FTC REPORT WHICH IS A FACTUAL AND CRUCIAL PIECE OF EVIDENCE IN THIS MATTER PERTAINING TO THESE FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE. VIOLATIONS THAT EXPERIAN HAS COMMITTED AND CONTINUOUSLY COMMIT : 1. THE TRUTH AND LENDING ACT-15 US CODE 1681 a 2. AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. 3. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 4.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 5. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 6. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 7. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 8. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 9.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 10. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ( what purpose do you have? ), 11.10. 42 USC 408 ( ILLEGAL ( FRAUD ) TO ASK FOR SOCIAL SECURITY NUMBER ) YOU ARE NOW SUBJECT TO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. AS I HAVE NOW GAVE YOU LAWS THAT ARE REAL LEGAL LAWS WHICH YOU HAVE INCRIMINATED YOURSELF AS COMPANY, TO CONTINUOUSLY COMMIT, WHAT WILL BE DONE ON YOUR BEHALF TO REMOVE ALL FRAUDULENT ACCOUNTS SUCH AS XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ( ALL FRAUDULENT ACCOUNTS THAT DO NOT BEAR MY WET SIGNATURE )?
Product: Credit card

In XXXX of XXXX some one opened a personal loan and credit card in my name. I informed them of this and they said since I still had access to my account it was a {$4000.00} personal loan and {$8000.00} credit card. I went in to make the complaint and they brushed me off and told me I had to pay all the funds back even though I had no knowledge or concern to open the accounts.
Product: Debt collection

In the past I have been a victim of identity theft, and recently my credit alerts have been warning me of another derogatory item ( AARGON AGENCY INC ) ( Account Number XXXX ) which has now appeared on my credit reports. Balance of {$1400.00} I have no acknowledgement of this fraudulent account.
Product: Debt collection

I disputed this alleged debt on XX/XX/2020 by certified mail return receipt Credit Acceptance had 30 days to respond to my dispute letter and report this alleged account to the Credit Bureau 's as a disputed debt by XX/XX/XXXX, XXXX Credit Acceptance has Failed to do both. Credit Acceptance has Fail to respond to my dispute within 30 days validating this alleged debt, Credit Acceptance has failed to report this alleged debt to the Credit Bureau 's as a disputed debt ( Violation of FCRA 623 ), as of today I haven't heard from Credit Acceptance or did they mark my credit report disputed.
Product: Checking or savings account

I applied for an Upgrade Rewards checking account ( serviced through XXXX XXXX Bank ). I sent in documentation via drivers license and live picture of myself. I called and was verified over the phone. I was told that it would take a few days and I would receive approval email. I received denial letter instead the next day. 

I called back asking for an explanation since it says Identity could not be verified Unable to find credit profile at bureau from XXXX 

I confirmed my XXXX profile is not currently frozen. I assumed it was a mistake since the information on my Drivers License matched my credit profile and I've never experienced this issue before. I talked with someone and he said he couldn't provide any more information and suggested I try again. I tried again, sent multiple follow-up emails to support and am still receiving the same notification ( attaching ).
Product: Credit card

I changed banks and forgot to change the autopay to new bank. I attempted to stop the current autopay but the payment system kept drafting the payment from the old account for 7 days after cancellation. Then would say that no payment is owed even thought there were no funds to make the payment and despite the cancellation and addition of new bank account. Then today I received a call that my account was in collections and a late fee had been assessed despite the system showing {$0.00} balance for the past week and not allowing me to make a one time payment. I escalate with Citi and they tell me this is my problem and that I should have called my bank to cancel the payment and switched before I changed banks. There was no way for me to make this payment until they called me on a collections despite multiple efforts on my part to make this payment.
Product: Debt collection

I rented an apartment from XXXX XXXX XXXX in XXXX XXXX, CA in XXXX of XXXX. I paid a {$900.00} deposit upon move in. During that time the property was sold to XXXX XXXX in XXXX. When I moved out on XX/XX/XXXX, they claimed I did not pay a deposit even through I provided them proof with a cancelled check. When I moved out, I paid a {$1200.00} termination fee. XXXX is claiming this amount is {$1800.00}. After they had me sign a new lease with them ... .they changed the {$1200.00} amount to {$1800.00}. When I moved out I had the unit professionally cleaned. XXXX claimed I did not clean it and charged me a bogus {$130.00} amount claiming they had to have it cleaned. I had already paid a cleaning service {$150.00} days earlier to clean the apartment. The rental manager ( XXXX ) ( XXXX ) XXXX told me not to repaint or fix small holes for pictures in the walls as I had only been there a short time. I was then charged {$120.00} for painting. I payed what was owed when I moved out including utilities and the termination fee on XX/XX/XXXX. I did not hear from them again until receiving a collection notice from National Credit Systems in XXXX, GA ( ( XXXX ) XXXX in XXXX of XXXX. When I call the apartment office, XXXX, the office manager referred me to XXXX at XXXX XXXX  XXXX ) XXXX I have left ( 4 ) messages for XXXX and he has never called me back. I have left ( 3 ) messages for XXXX XXXX from National Collections and she has never called me back. The collections amount is now on my credit report, and this is now keeping me from purchasing a home. I would appreciate any help to have this bogus charge of {$920.00} removed from my credit report. 
On XX/XX/XXXX, I provided both XXXX XXXX XXXX  and XXXX XXXX a detailed letter explaining the discrepancies that accompanied by check for {$74.00} for utilities owed through XXXX of XXXX. I resent this letter to both parties this month, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Affidavit of Demand by XXXX XXXX XXXX XXXX OF XXXX XXXX OF UNITED STATES The undersigned, XXXX XXXX XXXX, being duly sworn, hereby deposes and says : 1. I am over the age of XXXX and am a resident of the XXXX of XXXX. I have personal knowledge of the facts herein, and, if called as a witness, could testify completely thereto. 

2. I suffer no legal disabilities and have personal knowledge of the facts set forth below. 

3. Date : XXXX/XXXX/XXXX XXXX : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be errors. Here as follows are items in error : Creditor Name : Premium Credit Bureau XXXX XXXX XXXX XXXX, XXXX, FL, XXXX I am sending you a Letter of Demand Under Section 604 of the Fair Credit Reporting Act. I see you put an inquiry on my credit report. Please provide me Permissible Purpose of your inquiry. Please provide me proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FRCA section 623. Please provide me Written Authorization, the original contract copies of my signature that I initiated this Inquiry. I have been a victim of identity Theft. Please see my XXXX attachment ( Your Duties Under the Fair Credit Reporting Act ) concerning Fair Credit Reporting Act sections 604 and 605B laws. By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this re-investigation within XXXX days of receipt of this letter. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past XXXX months. 

FTC Identity Theft Report Number : XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX account # XXXX and XXXX XXXX XXXXXXXX account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. states i have the rights 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, credit repair services, or other personal consumer reports

n accordance with 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. 

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 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 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 information is inaccurate.
Product: Debt collection

I didnt know about this debt until it was already on my credit report- I did take my grand daughter to an emergency clinic where we met her dad. 
They had Medicaid and I didnt receive any bills. 
It is also on my credit report twice for the same amount and the same day The collection agency is Paramount Recovery
Product: Mortgage

In XX/XX/XXXX, I was behind on the payments for about 4 months and we sent a statement letter from LoanDepot about us owing {$27000.00} at the time. I requested a loan workout plan, so by XX/XX/XXXX, I received a letter stating they had received my inquiry for a loan workout. I have tried to get a workout plan for over a year but to no success. I was having medical issues due to complications of XXXX, which I caught in XXXX. I was admitted to XXXX XXXX in XX/XX/XXXX after having severe complications, because I started to have XXXX XXXX XXXX which XXXX triggered. I have been under several doctors ' care over the past two years, but recently over the past few months, I have been advised by my doctor that I will need to have XXXX XXXX. This is why I can't pay the initial payment amount for the mortgage and need the loan modified. I have been calling, pleading, and writing hardship letters to LoanDepot asking for a loan modification. I even reached out to HUD to get approved for mortgage assistance. I was approved for the assistance but LoanDepot will not sign the necessary documents to receive the funds or work out a plan with me. I have asked them to place the missed payments on the back of the mortgage loan. I was denied for everything I had written to them and suggested. I wanted to get my payments lowered for a certain amount of time until I was fully recovered from XXXX, but there was no help from them. I called them in XX/XX/XXXX and asked what solution they agreed to and they stated I would be on a XXXX Trial Payment Plan, paying {$10000.00} a month. That is {$4000.00} more than what I was initially supposed to be paying. This situation is stressing me and there is no way I can afford to pay {$10000.00} a month and have XXXX XXXX. This situation is stressful and I can not afford to lose my house, especially when I am trying everything to save my home from foreclosure. All I asked was for them to work with me on this situation. I would like a resolution that would benefit both parties.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of {$1000.00}. I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Mortgage

When we were selling our home in the summer of XXXX, in a very " hot '' market in our area, the Bank of America appraiser came back with an appraisal that was {$25000.00} under asking, claiming that it was based on the fact that he believed that we were in for an economic downturn in XXXX and that would impact housing prices. This was as opposed to valuing sales of similar properties in our area. I am concerned, as a XXXX homeowner, that we were discriminated against and believe we should be compensated for the excessively low valuation. We placed our home ( XXXX XXXX XXXX XXXX NH XXXX ) on the market for {$320000.00}. The valuation came in at {$290000.00}. We tried working with Bank of America to resolve but they refused a second evaluation, and refused to review the first.