23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

This morning, I saw unauthorized inquiries on my credit report, and Im clueless about their origin. Despite checking multiple times and refreshing my browser, they remain unresolved. I am extremely upset and demand immediate attention to the documents I provided to resolve this for good.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a few situations going on with my credit file. I have had a few addresses that need updated. My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX SS XXXX DOB XXXX THE FOLLOW ADDRESSES ARE NOT ACCURATE PLEASE REMOVE : 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 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 i HAVE SEVERAL NUMBERS THAT ARE NOT MINE ON MY FILES PLEASE DELETE/REMOVE THE FOLLOWING : ( 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: Vehicle loan or lease

I had a lease with auto trakk llc and my car got totaled out. Auto trakk llc told my insurance that i owed a balance of XXXX dollars and some change, but on my credit report it was reporting something different, even the lease supposed to be for 48 months but it was reported 56 Months this has been reporting like this since i had the car.
Product: Checking or savings account

XXXX stolen via fraudulent withdrawal out of state at a BMO Harris branch. BMO demanding I file police report. May not be able to. My local police ( XXXX police ) at first helpful then refusing to take report. May be out XXXX usd due to a technicality
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5-1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

XXXX hard inquired was also placed on my credit report that Im asking to be removed as well. 

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, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX is past the Statute of Limitations in Nevada where I received the debt. I no longer owe this and it needs to be removed off of my credit report. I have been trying for some time to get it removed and nothing has been done.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Unauthorized Reporting of Information on Credit Profile To Whom It May Concern, I am writing to dispute information on my credit profile that has been reported without my permission, which I believe violates the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ). The unauthorized reporting of this information is a violation of my rights as a consumer. 

Company ( Chrysler Capital ) account number XXXX. There are negative late payment reports being reported to my consumer report.

According to the UCC 2-725, which governs statute of limitations for breach of sales contracts, and UCC 3-118 , which addresses limitations on presentment warranties, the reporting of unauthorized information on my credit profile is not only a breach of contract but also a violation of the warranty of title, which requires that all claims on goods be disclosed. Additionally, the FCRA 1681s-2 mandates that furnishers of information to credit reporting agencies must have permissible purposes for doing so, and obtaining consumer consent is a fundamental requirement. 

I request that you promptly investigate this matter and remove the unauthorized information from my credit profile. Furthermore, I demand written confirmation of the removal and an updated copy of my credit report reflecting the changes made within the timeframe specified by law. 

Please provide me with any documentation or evidence supporting the validity of the reported information, as well as information on the source of this data. 

Failure to comply with my request within the specified time frame will leave me no choice but to pursue legal action to rectify this matter and seek damages for any harm caused to my creditworthiness and reputation. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion reported a 30 day late payment from XXXX in XX/XX/2019 and used this to lower my credit score by 120 points. My score dropped from over XXXX to XXXX. XXXX since has rescinded the information and has updated all the credit bureaus. TransUnion now shows all payments on time with XXXX. No other issues on my credit report yet they still show my credit score at XXXX now into middle of XXXX. Their low score based on the missed payment is still reflected even though the payment was updated to by XXXX as not. TransUnion does not provide any means to understand why they lowered my score by over 120 points for false report and then not at least update within a comparable amount once it is removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple accounts for false identifying information certified mail ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). I sent the correct information to the credit bureaus to remove the accounts with incorrect or fraudulent information ( XX/XX/2022 ), ( XX/XX/2022 ), ( XX/XX/2022 ). Instead of deleting the accounts from my credit file the companies updated information on the accounts which is a failure to investigate and fraud. I have submitted this complaint to the companies more than once and they still have not deleted the items. They are failing to investigate. This is a failure to investigate and a violation of the FCRA. 


I have sent this complaint to XXXX, Equifax, XXXX, XXXX, XXXX, XXXX, XXXX XXXX. 
XXXX/DEPT OF ED : XXXX XXXX XXXX XXXX, MO XXXX XXXX  XXXX XXXX : XXXX XXXX  XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX- : XXXX XXXX XXXX # XXXX, MI XXXX XXXX XXXX : XXXX XXXX XXXX, NC XXXX XXXX- XXXX XXXX XXXX XXXX, OH XXXX
Product: Debt collection

Unbeknownst to me, Portfolio Recovery Associates , LLC. filed a lawsuit against me without informing me. I received numerous attorney advertisements via USPS stating that Portfolio Recovery Associates has filed a lawsuit against me to collect a credit card debt. I went online to the XXXX XXXX Clerk of Courts website and saw that they violated HIPAA by sharing my doctors information and tests that were conducted on the credit card statement Portfolio Recovery Associates posted publicly for the whole world to see. This information should have been redacted. This has caused severe stress and anxiety. I am XXXX with a severe and debilitating illness. They violated my privacy and caused my health to decline even further.
Product: Student loan

I am a XXXX XXXX for the past 12 years, and I do not qualify for Public Loan Forgiveness because I consolidated my student loans with my wife in 2006. We now have an XXXX loan, and we have been told multiple times that we do not qualify for Public Loan Forgiveness. The only option we have is to do the Income Based Repayment plan, and the payment we make is {$1200.00} per month. This payment does not even pay the interest on the loan, so the loan continues to grow. We also can not afford to make this payment monthly, as it is the highest payment in our budget, which puts us at risk for default.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed inaccurate account information with Experian that was on my credit report. They responded at the end of their " investigation '' saying that they verified that the information was indeed accurate and up to date. Upon further examination, I notice many contradictory errors in regards to the derogatory accounts. I pulled my report directly from Experian, not a reseller. I've attached and notated all the errors and inconsistencies on my report. I reached out to the furnishers of this information to gain more clarity, with no success. So I requested that Experian share with me the documents that they should have in my file regarding these accounts, with no success. These accounts are inconsistent, inaccurate, and unverified and are causing me undue XXXX  and XXXX  XXXX. I'm trying to resolve this issue. But I know my rights and the law. I just want Experian to abide by the law as well. I also sent them a letter that the addresses that had on file weren't mine and also inaccurate. But again they refused to correct my report.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX, We had XXXX XXXX and heating out to check our furnace. He found that we needed a new hot water heater, and we went ahead and also had him install a new water softener. He told us we could apply online for financing thru Greensky. I typed in the exact amount of XXXX needed for financing. We were approved. Just got the paperwork from Greensky today, It states that they had approved us for a line of credit up to {$12000.00}! .We NEVER gave our approval for them to open a line of credit to us, we were NEVER told by XXXX that this was a common practice by Greensky . I called Greensky to ask what was going on and they would NOT give me ANY info on the account as it is in my husbands name only, and my husband is out of town. I was concerned that a payment may be due and can not access the account online, which she wouldn't help me with either. Our concern is that with this unauthorized line of credit, our credit will suffer. We have impecible credit scores and want to keep them that way. I have just read on CFPB in XXXX, XXXX, Greensky has been practicing this unlawful act of securing unauthourized lines of credit and actions have been enforced upon them to STOP, but we can assure you, that they are still unlawfully practicing the same way as I have the paperwork to prove it! We feel that XXXX holds responsibility in this also.
Product: Credit card or prepaid card

I received an Illinois Department of Employment Security ( IDES ) prepaid debit card by KeyBank on XX/XX/2020 and by XXXX XXXX  on XX/XX/XXXX. I did not request these cards. I am not unemployed. I reported the possible Identity theft and fraud to the IDES on XX/XX/XXXX. Please advise.
Product: Checking or savings account

I went to the Wells Fargo branch on XXXX XXXX XXXX in XXXX, GA on XX/XX/year>, to deposit a cashier 's check from another institution. The check was for {$20000.00}, and I wanted to make sure there wouldn't be a hold on the funds. The branch manager confirmed that there wouldn't be a hold, so she deposited the check and assured me that the full amount would be available by midnight on XX/XX/year>. However, when I checked the next morning, only a portion of the funds was available. When I called Wells Fargo, they said the remaining balance would be available on XX/XX/year>. I was not happy with this and felt that Wells Fargo had not been transparent with me. I expressed my dissatisfaction to a representative and explained that I could have taken my deposit elsewhere if I had known about the hold.
Product: Credit card

I received a call from Chase Freedom. They notified me that someone has attempted to open an credit card account using my social security number, name and date of birth. I had not. They cancelled the account. I received the actual cards in the mail a few days later. XXXX says my name, the other a false name, XXXX XXXX. Today I received yet another card from Chase Sapphire, that I did not apply for. I called to notify the company that it is not me. They told me the account was applied for XXXX XXXX, and the name and address was changed to XXXX XXXX on XXXX XXXX. I also have received a letter from XXXX XXXX thanking me for applying for a card and requesting a social number and mailing address from me. I have contacted my bank account and XXXX XXXX to receive a credit report and set up a fraud alert.
Product: Checking or savings account

My XXXX XXXX XXXX did not know what he was doing as he was clicking the " buy '' button on his XXXX controller and by mistake, charged over {$4500.00} to my debit card. 
The money came straight out of my checking account and when we called XXXX, they told me I had to call the bank to have them reverse the charges. Anyone can call XXXX and verify this is exactly what they tell you. As soon as we did this, XXXX cut all of the access off to my son 's XXXX. He lost every single game I paid for over the last 2 years. The bank declined the charge back even though this was an error and XXXX honored the mistake by cutting off his access to XXXX. 
My banker at the branch said this is not fair and had the fraud team open the investigation back up. She said, Truist will fix this. I put XXXX of dollars in the bank, I gave them my mortgage, car loans and business/personal accounts. 
The bank declined the dispute a 2nd time and XXXX said there is nothing they can do about it. So the money is gone AND the games are all cut off. So now I am out everything. This is highly unfair. If I file a dispute, I expect my money back. I give Truist all of my business and they do not even look out for me. They should be in big trouble for stealing my funds. I am filing as many complaints as I can. I want my {$4500.00} back. NOW.
Product: Credit reporting

I am listed as having an outstanding debt on a Holiday Gas Card that was opened in XXXX by my husband at the time. I am in a re-financing phase and have been told that I have an " outstanding debt '' with the Holiday Corp., according to the Credit Bureau. I contacted Holiday and, according to the Holiday credit manager, I never was a secondary on the account. I am listed as being " spouse '' at that time, but not a person who could charge and/or who was obligated to pay this credit card debt. I am now an " ex-spouse '' and the account remains open in my ex-husband 's name. I would like my name taken off of this credit card and my name cleared of any outstanding debt with this company.
Product: Debt collection

Yesterday I received XXXX calls from a debt collector XXXX XXXX XXXX XXXX XXXX stating that they were a law firm attempting to collect a debt. This is after a conversation I had the previous day ( different customer service agent/paralegal ) requesting an email with their original correspondence as I had recently moved. I did not receive this email. 

They called at XXXX, XXXX and XXXX ( yes I have the EXACT time, and the calls came to my employer ). 
During the first call the man refused to give me his name and literally YELLED at me screaming, " YOU KNOW WHAT YOU NEED TO DO, YOU JUST NEED TO PAY IT. STOP TRYING TO BUY TIME!!!! '' All I asked for was a copy of the original correspondence in regards to the debt that was sent to me. I asked for them to email this letter so that I could review it ( I mean who makes legal decisions without seeing something in writing? ) and he yelled, " SO WHAT ARE YOU GON NA DO?? IF I SEND YOU THIS EMAIL I WILL GIVE YOU XXXX MINUTES TO READ IT AND I WILL CALL YOU BACK. STOP TRING TO BUY TIME! YOU '' RE GINNA PAY THIS!!!! " Needless to say, I then hung up the phone. I was at my place of employment getting yelled at by a stranger that refused to provide the correct documentation in regards to the debt, and was yelling commands over the phone. They also threatened legal action and wage garnishment, and would not let me speak AT ALL. 

During the second call he called and said, " SO WHAT IS YOUR EMAIL?!? '' No hello, no can I speak so so-and-so or anything. I gave him the email and he began to yell again. " SO WHAT ARE YOU GON NA DO? YOU NEED TO PAY THIS NOW! YOU HAVE XXXX MINS TO READ THE EMAIL AND I AM CALLING YOU BACK TO ASK YOU HOW YOU 'RE GON NA PAY!!! '' I kept saying ( in a very low and calm voice because I am at work ) to " Please stop calling my job. '' He kept speaking over me and would not allow me to ask questions, so yes, I hung up. 

The third call went ignored. Did I mention hat they left a message on my SUPERVISOR 'S voicemail???? This is where it must end. I do n't care if someone owes {$5.00} or $ XXXX, there is no reason to yell and harass them at their place of employment. This company has crossed the line. I sent a cease and desist letter via email, AND CERTIFIED MAIL and received yet XXXX other phone calls this morning. 

So technically there are 4 issues:1 ) Frequent or repeated calls2 ) Used abusive language3 ) Threatened to take legal action4 ) Called after written case of communication notice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was provided false information about the program XXXXXXXX XXXX XXXXXXXX XXXX XXXX PROVIDED IN ORDER TO SIGN UP ME UP WITH A VACATION PACKAGE. Everything promised sounded too good t be true especially when she said we can book with any resort/hotel even outside of XXXX. My wife confirmed 3 times that this information was all ture and she said yes, after you become a member you will only have to call your reservation speciallist to book for you. this was important because we already had trips planned with resorts outside of the XXXX network so we thought and was assured that we would be saving thousands by simply joining XXXX. after we waited 30 days for membership to start I tried to book XXXX resort in XXXX and was told that is not in our network. I then advised them that we were assured this exact resort is in network by our sales agent before signing up, had she said it was not we would not have signed up. its now going on 3 months and they are charging me monthly even after my dispute and request to cancel this agreement being that we were misled in order to sign up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to TransUnion about the following inquiries on my personal credit report. I told them i dont have any open accounts related to these inquires. They referred my to the CFPB. By law they must be removed. There are the inquires on my TransUnion that must be removed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have tried to resolve this issue with both Fed Loan Servicing and the Dept. of Ed. In XXXX of XXXX the Federal Government announced a waiver of Public Student Loan Service rules in that previously discounted payments should now count. You still had to meet certain criteria, be in public service 10 years, make 120 payments etc. I have been a public servant for over 25 years. I had one direct unsubsidized loan with Fed Loan as of 2009. On and off I had to defer it but I still made payments as I could. At one point 2010/2011 I made 18 payments on a standard repayment plan, no one told me that these would not count towards my 120 payments. Until I called to check on my payment count, at the time there was nothing on their website to tell me that information. I was very disappointed and angry that I had been misled. I shifted over to one of the qualifying repayment plans and continued to make payments. I am still being told that I owe 19 payments but when I read and apply the new waiver rules I count at least 21 payments that should now count. I have provided highlighted payment histories to both Fed Loan and the Dept. of Education. But Fed Loan refuses to apply the new rules to may case and they close it without giving me a chance to question or appeal the decision. I have filed 3 complaints with the department of Ed. but have gotten no relief. I will write my Congress people next I guess.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX - Account Number : XXXX Unauthorized inquiries : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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/XXXX
Product: Credit card

Chime have taking thousands of dollars for years saying they payoff debt n talking over XXXX that and say fees. And not try to do nothing about but lie
Product: Credit card or prepaid card

Through a promotion of XXXX, I was matched with a Capital One XXXX card, which I then applied for and received. One of the benefits promised was supposed to be no annual fee for the first year and {$95.00} a year thereafter. The day I received the physical credit card there was a {$95.00} charge for an annual fee on the account. I called Capital One and after 20 minutes on the phone the best they could do was tell me that my complaint should be taken to XXXX. So I called XXXX and spoke to an offshore help line. After 20 minutes with them, a supervisor came on the line to tell me that since they hadnt charged me anything i should take my complaint to Capital One, and then he hung up on me at which point I heard a recording say thank you for calling XXXX. I will continue to follow up with Capital One another day, as Im not willing to give it another 40 minutes today, but I wanted to formalize a complaint as I smell a scam.
Product: Debt collection

I have been charged my Flex Deposit that has transferred the account to IQ Data stating that I owe them {$1500.00}. I am being fraudulently charged by XXXX company through another company that does not even exist and the charges should not be placed onto my credit report. I have filed a dispute through XXXX on XX/XX/2023 and received a notice back on XX/XX/2023 stating that the information is correct. When I moved into the apartment it was not clean things were broken that I had to personally fix out of pocket. When I left the apartment it was clean and no damages were done. I have photos of how the apartment was when I moved. I was never behind on rent and I also have a witness of all of this from XXXX of the property managers who works for the company
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled out an application for Macy 's Credit Card Macy 's sent me a letter back stating unable to approve application at this time. 
Reason was, no credit records returned from major reporting agencies. 
What would be the reason for not sending the Credit Report to Macy 's