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

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
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
Product: Debt collection

On XX/XX/2018, about three months after moving out of XXXX XXXX  XXXX apartments  in XXXX I noticed a derogatory remark on my credit report saying I owed {$97.00} in utilities and it had gone into collections. Over the 12 months of living at XXXX XXXX  XXXX apartments, I paid all my rent and other fees on time and was under the impression that nothing else was owed so this came as a shock to me. I contacted XXXX XXXX XXXX apartments and they said they had sent letters to my apartment after I had moved out which would explain why I never got any notice. 

I have also sent letters to National Credit Systems - the creditor for this debt - asking for this derogatory mark to be removed from my credit report once I pay the amount owed but I've heard nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

This unconfirmed account listed below continues to report on my credit report despite the previous written requests, in violation of federal law. I dated the previous letter I sent to the XXXX and TransUnion Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be validated ( A ). I will take legal action against you if you do not guarantee this account. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Account number XXXX is reported on all credit bureaus as a charge off, account sold, and with a balance. 

This account has been disputed through certified mail and i have never received any original documentation verifying this debt. 

I'm unable to cite the exact FCRA information that states the above erroneous information should have already been removed. 

Please assist or advise in the removal of this account from XXXX, XXXX, and Equifax credit bureaus.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX
Product: Vehicle loan or lease

This company is abusing people Santander Consumer USA I took a loan for XXXX and I payed the dealer XXXX dollar down payment on XX/XX/XXXX For a XXXX XXXX XXXX ( used car ) I payed 5 years 6 months XXXX   and stop paying on XX/XX/XXXX .. because the remaining balance in the loan for the car after I payed XXXX was XXXX y surrender the car to them they reportedly as reposes. Almost 30 % interest and hidden fee. They wanted me to pay off the car if I put XXXX dollar more. A XXXX XXXX XXXX is becoming almost XXXX thousand dollar for a use car?? This company is abusing people. Should be off the market. This loan is still on my credit report after 7 years it's supposed to be deleted after 7 years. Loan started XX/XX/XXXX and end XX/XX/XXXX XXXX.please help fix this ..
Product: Vehicle loan or lease

We purchased a car through XXXX XXXX XXXX that was financed through Westlake Financial in XXXX 2015. We had to pay {$7000.00} cash down and another {$2000.00} to XXXX XXXX XXXX to sponsor the deal. After a year of payments and no tage, I contacted Westlake Financial and asked if they could assist with getting the tile or if they had th etitle to the car. Westlake informed me that they did not have the title, but would be able to get it for me. They wanted me to sign some documents to suspend the loan payments. Three months after signing the suspension documents, I called Westlake Financial and spoke to XXXX XXXX and was told that the title had not been obtained. Westlake ten stated that they could pick up the car and at the time that they had the car in their possession, they would then mail e a check for my money. The Westlake agent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket osts so far - {$16000.00}. The interest rate on Westlake 's loan was : 20 % /.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I sent transunion a response letter about inaccurate, unknown, and incomplete items on my credit report, and today XX/XX/2021, and 70 days later, I still have not received a response from them. They completely ignored me. Section 611 ( a ) states that failure to investigate the disputed item within 30 days gives a reason to immediately remove said items from my report. It has been 70 days, therefore I need these items deleted promptly. It is exhausting and stressful, I have been going back and forth with Transunion, I demand these account to be removed immediately or I will file for litigation due to the constant stress this has caused me.
Product: Money transfer, virtual currency, or money service

I had set up direct deposit to Coinbase and {$2300.00} was transferred to them on XX/XX/2024. However, my funds are not available. Coinbase said there was some sort of glitch that prevents my money from being available but hasn't resolved the issue. I have had multiple phone conversations with them and email exchanges but yet not remains unresolved. Case # XXXX is the official case number in the Coinbase system.
Product: Credit reporting or other personal consumer reports

I am filing this FTC Identity Theft to report 1 separate fraudulent accounts appearing on my consumer FICO credit report which I do not recognize as reported and which are the result of identity theft and fraud. These fraudulent accounts consist of a CREDIT CARD opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that akk collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 usc 1681b ( a ) ( 2 ) " Permissible Purpose of Reports '' I never gave Equifax my written permission to furnish a consumer report on me. I have reached out to you ( equifax ) and submitted several disputes advising you to immediately delete this information. On XX/XX/22 ya 'll sent me the Investigation results claiming to have verified the following accounts but how? you dont have my permission to furnish the account information on me. You failed to properly investigate my concerns regarding the inaccurate reporting of these accounts. You mention in the Investigation results that you " verified '' this information from the original source. Well pursuant to 15 usc 1681e you are required to verify by a way of personal interviews, with my neighbors, my friends. None of my family has contacted me stating Equifax has attempted to verify these inaccurate accounts reporting. You clearly have violated the law. I being the consumer/natural person am the only one who can verify this and I NEVER EVER gave you my written consent to report these accounts. I am demanding these accounts be removed.
Product: Debt collection

My car loan was sold to another company ( Santander Consumer USA ) after my car was deemed a total loss. I was never notified that the loan was being transferred or that the account was placed into collections or a charge-off. When I contacted the company after noticing that my credit score dropped over 50 points, they were unable to give me proper information or documentation that the account received payments from my insurance company or GAP company. I even called both of these companies to verify that the payments were actually made and each company verified the dates and amounts paid to my original loan company. Unfortunately because the account was sold during this process, my original loan company has no further information and said that the new company would be able to verify everything but was not able to. I spoke to several representatives who placed me on several holds for long periods to speak to managers since they didn't have information about the account being placed into collections, payments received, and was even hung up on while waiting for resolution. They did offer me a settlement, but that will not help out with the damage to my credit after trying so hard to repair it from a divorce. To reduce conflicts and because I was afraid that interests and late fees would apply, I continued to make a payment in XX/XX/2018. They said that once they received the account, it was already a charge-off / in collections. How is this possible when I made payments while waiting for the insurance company to send their settlement check and my GAP coverage to send theirs? Again, the company is unable to give me answers and only offered settlements for the account.
Product: Payday loan, title loan, or personal loan

The bank OneMain Financial Group, LLC NMLS # XXXX had a link on my XXXX   XXXX  account stating that I was prequalified for a unsecured $ XXXX at a high apr of 21 % of which Im sad to say I was willing to accept due to my legal fees that I have to pay for issues concerning problems with my ex-wife. Anyway I fill out the application and it says Im approved. Upon reading the terms it now states that the rate is 25 % and a secured loan and they need my all the information concerning my motor vehicle, insurance and drivers license. This bank expected me to put my car up against their 25 % loan. They pulled a bait and switch. I can only imagine how many people they do this to. Please investigate them. I did not accept the terms of this scam so theres not much more that I can provide but this is definitely a terrible thing to do to someone. If someone has a car loan and then does this. My goodness.
Product: Credit reporting or other personal consumer reports

I am a victim of a data breach and identity theft. As a result, the following unauthorized inquiries and accounts have appeared on my credit report. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that you block and delete the listed accounts and inquiries from my credit report immediately. 
Unauthorized Accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXte : XXXX
Product: Credit card or prepaid card

Citi Bank again same time as last year cut my credit card limit by over XXXX XXXX XXXX  within two days of paying it off. I am accountant I use my cards through the year and pay them off during tax season, I have never missed a payment nor been late. I make over XXXX XXXX XXXX XXXX  a year, there is no reason to cut my limit so drastically without any warning and right when I pay it off. This continues to hurt my credit score rating and my life by showing my credit limit needs to be cut when in fact it doesnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth 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 XXXX XXXX XXXX, GA XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX, XXXX XXXX XXXX GA XXXX XXXX XX/XX/XXXX. XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$700.00}, XXXX XXXXXXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Y XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX MULTIFAMILY XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$820.00} past due as of XX/XX/2021. 
Account TypeCollection Balance {$820.00} Date XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. 
Account XXXX XXXX {$850.00} Date XXXX Dispute
Product: Mortgage

I successfully qualified for a HELOC loan from Regions Bank. During the loan process I was quoted rates for their Loan in a Line program verbally. At the time they were : 1. 3 year 3.375 % 2. 5 year 3.625 % 3. 7 year 3.625 % 4. 10 year 4.125 % When I went to closing on the HELOC loan the contract read rates much differently : 1. 3 year 5.65 % 2. 5 year 6.05 % 3. 7 year 6.75 % 4. 10 year 7.45 % I questioned the rates and were told these were n't the rates and they called the bank to get the current rates, which were the same as the lower rates listed at the top. I said that the contract did n't reflect those rates. I was told that once the funds were disbursed ( if I closed ) the rates would be the verbal rates. I told them I did n't think they were lying, but the contract did n't reflect what they were telling me. They asked if I would close if they could get a letter specifying the verbal rates were good for 30 days. I said yes. The next day the bank refused to put the verbal rates into writing and thus I did n't close on the loan. I only had 7 days to try to come up with financing or lose my deposit I had on a piece of land ( {$19000.00} ). During the next week Regions called to tell me the verbal rates had gone down and asked if I wanted to close the loan. I told them not without the rates in writing. Due to their verbal rates not matching their contract, I was not able to close the loan and thus loss my {$19000.00} deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Formal notice that you have failed to respond in a timely manner to my dispute letter of XXXX, deposited by registered mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XX/XX/XXXX ), you may be liable for your willful non-compliance.
Product: Checking or savings account

Since my TD account has overdraft fees and overdrawn due to fake checks that scammed me in 2022, my accounts are both closed in checking and savings accounts and therefore can not be able to open not even a standard account in any of these local banks that we all use to protect our money! My account has been closed not locked but closed and banned, and this requires a solution as soon as possible because these mainstream banks are the forefront of the future and Im basically put out of it. Therefore a solution must be presented by you guys the heroes! Need you now!
Product: Credit reporting or other personal consumer reports

I checked my credit report this morning and I was shocked because there are inaccurate accounts on mine. I have no idea why this happened to me because I have no knowledge regarding any of these accounts so please check the documents I've sent.
Product: Money transfer, virtual currency, or money service

From XXXXXXXX  i was XXXX  in the XXXX XXXX XXXX XXXX I have documents to prove I was. A person at my apartment with me on XXXX she took a old iphone that should have been reset and logged out but was somehow still connected to my current phone. So while i was in XXXX  this person without my authorization or approval fraudulently transferred money from my chime account to another chime member. I e never met the person the money was transferred to. They are not in my contacts and we have no previous transactions. I never semt anybody through my chime account. There were 4 transactions between XXXX - XX/XX/year> for a total of {$800.00}. I was in XXXX  and I never have and never will give someone authorization to do anything with my account. I am single and my money is mine nobody else. I did file a police report also.
Product: Credit reporting or other personal consumer reports

I applied for a homeowner 's assistance program for my home equity line of credit account ending in XXXX back in XX/XX/year> with fifth third bank. The customer service rep was supposed to send me an application for that account, but she sent me an application for my first mortgage account instead. I then contacted the bank once I realized the application was for the wrong account and was sent another application for the correct account ending in XXXX. I completed the application and forwarded it back to fifth third. 
I was approved for the hardship assistance program and made my 3 trial payments. During the application process the bank was not supposed to report any delinquencies on my loan to the credit reporting agencies during the application approval process or my entry into a trial period plan but they did report that I was120 days late for these months XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. This has greatly impacted my credit score severely.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX I've contacted them for the last year or so telling them I didnt open the credit card and it was linked to an address that was included in a police report from someone who stole from me years ago, even then I offered to pay off balance to get it removed from my report, and when I offered they told me they would not remove even after they incorrectly reported info, ation to my credit report that resulted in me getting denials for a car I wanted because they had the credit card down as a repossession on a car loan also XXXX XXXX  as well someone marked a late payment on my account without any proof payment was late I have never payed late on the account im requesting removal. 

XXXX  XXXX XXXX XXXX XXXX XXXX XXXX keeps reposting to my credit reported after successful disputes
Product: Checking or savings account

I had opened XXXX claims with Bank of America on XX/XX/XXXX, within 2 days they said that I authorized this transaction. I never authorized this transaction totaling to {$25000.00}. This was taken from my savings account and Bank of America has not investigated this claim properly. Per the electronic funds act states as long as I report it to bank of American within 60 days Bank of America can not hold me liable for no more than {$50.00}. I want proof that I authorized this transaction. I never gave Bank of America or fierce technology permission to access my account nor withdraw funds from the account. I have filed an XXXX referral form, an ftc report, and I will be filing an intent to sue if this claim is not investigated properly. This is extremely unprofessional on behalf of Bank of America as now they are attempting to close my banking accounts from this incident as I am a victim of theft. These claims need to be investigated properly like they would do with a customer that has been with them as long as I have. Lastly I demand to know how they deemed I authorized these charges because I have not consented anyone to speak on my behalf let alone authorize charges to my savings account.
Product: Debt collection

I recently discovered XXXX accounts reported on my credit report from a company call Alcom. I didn\\\'t recognized those transaction and i filed a disputed. While in dispute Amcol send me two letters requesting payment from medical bills incurred by XXXX XXXX. this letter that came in the mail violated the debt collection act the provided any debt collection agency from contacting a disputer when the deb is in dispute. The act provide penalties for companies that violate the statute. however this company stated that they don\\\'t go by the debt collection act. they said they only go by their company policy. Furthermore, this debt does not belongs to me. This medical bill belongs to XXXX XXXX and they should charge or attendt to collect the bill from her. I never sign any documents nor summed responsibility for any bill of anyone. I demand Amcol to immediately remove the information from all credit report agency affecting my credit between 30 days. failure to comply they will be subject to all penalties by law and actual damages not limited to punitive damages for acting with knowledge and malice. XXXX company is required to act diligence in verifying the debt. they do not have not right to collect debt from anybody else that have not incurred the debt. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason I am writing to you is to inform you that TransUnion is not Adhering to Credit reporting laws in my Case. I sent my identity theft dispute to this company on XX/XX/2019 with my dispute, I attached all the relevant documentation to prove to them that I am A VICTIM OF IDENTITY THEFT. 

I know the law gives this company around 4 to 5 days to completely block all fraudulent information from my report but until now, this company is still showing this fraudulent account. For yet another time, my personal information was compromised and as a result, this FRAUDULENT ACCOUNT was included on my credit report without my consent or authorization. 

I want to state it crystal clear here that I did not benefit with anything whatsoever from this fraudulent account included on my report. Below is the fraudulent account that I need to be removed Asap : XXXX XXXX : XXXX See documents attached.