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

Hi I am submitting this XXXX XXXX without any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX XXXX over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XX/XX/XXXX n cant provide to myXX/XX/XXXX daughter PLEASE HELP ME PLEASE
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed account, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the listed account from my file. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022, XXXX letter from XXXX stating I applied for credit, and I did not apply for credit. 

A XX/XX/2022 Fraud Hard credit hit from XXXX showing on my Equifax report, I did not apply for and credit with XXXX
Product: Credit reporting or other personal consumer reports

Reporting Act 611 ( a ) ( 7 ) and Section609 ( a ) ( 1 ) ( A ) -Please be advised that under Section 611 ( 5 ) ( A ) ( 7 ) of the FCRA you are required to DELETE all information that can not be verified
Product: Vehicle loan or lease

XXXX of 2022 I purchased my car from XXXX XXXX I have been paying on time for 2 years and have barely made a dent in the balance I still owe over XXXX the payments go mostly to Interest. I am trying to get a new vehicle and I am upside down cause I will have over XXXX to roll over to the new car loan. This is a 72 month loan and after 2 years I am very positive I will not be done paying n 3 years.
Product: Debt collection

Hello, Here we have a complaint about debt and disclosure. So I had a care credit card account with Synchrony bank and they sold my debt to a party that was not a " party '' listed in our original agreement nor is there listed in the agreement any clause that allows disclosure of my personal information to any third party. I suspect this is happening to all consumers of credit cards and it must be stopped. It's no wonder how identity theft happens so much because credit card companies that we trust have the ability to sell our social security number and other info to anybody when the agreement needs to specify all parties. 

My issue in particular relates to my debt being sold to XXXX XXXX however their information doesn't show up on my credit report, it just says sold to another lender and doesn't provide any name. When I called Synchrony bank they couldn't even explain to me this XXXX XXXX   address but they gave them my social security number and my address and information. 

This is very harsh for all people to have their personal info juggled by random companies who we cant hold accountable because there isn't an agreement between us listing their name. 

This issue has stopped me from getting credit and has caused me strife.
Product: Debt collection

I attempted to email MRS XXXX XXXX regarding an alleged {$50.00} debt, however their return email was sent back to my email as undeliverable. I also tried calling them 3 times and each time waiting on hold about 7 minutes before being disconnected and hung up on. 
I also contacted the original creditor XXXX XXXX and they verified that I do not have any accounts that are past due and that it may be a spam or potentially fraudulent attempt to collect on a debt that is not actually owed. They state the debt as being an account with XXXX XXXX but I have never had an account with XXXX XXXX. I am not sure who this collection company is or what their attempt is, I just don't want others to fall victim to schemes and scams like this. There's too many terrible people trying to steal other peoples hard earned money we don't need companies like this taking advantage of people that may not know better and end up paying on a debt they don't really owe.
Product: Credit reporting or other personal consumer reports

All 3 companies REFUSE to remove the invalidated inaccurate XXXX XXXX XXXX 
Some charge offs and late payment history Ive sent more than 5 letters Made more than 6 complaints with the companies yet all I get that is accurate when its not. Ive filed a fraud alert/ my complaint from the ftc .
Product: Credit reporting or other personal consumer reports

Subject : Late payment Account # XXXX XXXX XXXX XXXX ; Account # XXXX I am writing to formally dispute a late payment entry on my credit report, which I believe is incorrect. Upon reviewing my credit report, I noticed that [ XXXX XXXX XXXX XXXX Account # XXXX ] reflects a late payment for the period of [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ] [ XX/XX/XXXX ], under account number [ Account Number XXXX ]. 

I respectfully request that you review and investigate this matter, as I believe this entry is inaccurate. [ Include any details about why you believe the payment was made on time, such as receipts, bank statements, or account records. ] Under 15 U.S. Code 1681e B- Compliance procedures It states ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

According to my records, the payment for the aforementioned period was made by Debit card on time and was processed without delays. If there was any delay, I kindly request further clarification or supporting evidence from the creditor regarding this claim. 

Please update my credit report accordingly by removing this inaccurate late payment entry, as it does not reflect the true status of my account. 

Thank you for your time and consideration. 

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

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617/// THIS COMPANY IS REPORTING AN ACCOUNT ON MY CREDIT THAT IS NOT MINE/INACCURATE.FRAUD. I DID NOT GIVE NY PERMISSION TO REPORT THIS ACCOUNT AND I WAS NOT NOTIFIED THAT THIS ACCOUNT WAS OR WILL BE REPORTED TO MY CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXXXXXX XXXX XXXXXXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

XXXX XXXX XXXX  Account # XXXX, has violated my rights. 

XXXX XXXX XXXX Account # XXXX, has violated my rights. 

DEPT OF ED / XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. Stayed I have a right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

PayPal has been holding my money for XXXX weeks after I sold services to a client. The client called PayPal and confirmed receipt of services from me but after multiple attempt to do so, PayPal refused to release my money. It has been XXXX weeks and I have not received my XXXX which is on hold. They have verified me with my social security, phone number and address but they still are holding on to the money. We both called them but they still refuse to release the money. Meanwhile, paypa has charged me a fee of close to {$78.00} for the transaction for receiving the money but they still have not released my money in its entirety of of close to {$2400.00}. Please investigate their business practices which harm small business owners and other consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute the specific account in my credit file that does not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove this account : XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

I am writing to express my frustration and disappointment with Experians failure to address and correct flawed financial data in my credit report. Accurate credit information is critical for financial stability, and the errors on my report have negatively impacted my ability to secure opportunities such as loans, housing, and other essential services. 

Despite following the proper procedures to dispute these inaccuracies, including providing supporting documentation, the issues remain unresolved. Each time Ive contacted Experian, Ive been met with vague responses, lack of accountability, and no clear resolution timeline. It is disheartening to see such a vital institution failing in its responsibility to maintain accurate and reliable financial records for consumers. 

I rely on Experian to ensure my credit report reflects my true financial standing, and I am deeply concerned about the lack of urgency in addressing these errors. The failure to act promptly has caused unnecessary stress and financial hardship, leaving me with little recourse. 

I am requesting immediate action to thoroughly review my disputes, correct the inaccuracies, and ensure that these errors are not repeated. Furthermore, I urge Experian to improve its dispute resolution process and communication to better serve consumers like myself who depend on your service to manage their financial health responsibly.
Product: Vehicle loan or lease

Capital One on XX/XX/XXXX of XXXX has denied me an auto loan and access to my open ended credit plan pursuant to 15 U.S. Code 1602 ( g ) The term creditor refers only to a person who both ( 1 ) regularly extends, whether in connection with loans, sales of property or services, or otherwise, consumer credit which is payable by agreement in more than four installments or for which the payment of a finance charge is or may be required, and ( 2 ) is the person to whom the debt arising from the consumer credit transaction is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of indebtedness, by agreement. Notwithstanding the preceding sentence, in the case of an open-end credit plan involving a credit card, the card issuer and any person who honors the credit card and offers a discount which is a finance charge are creditors. For the purpose of the requirements imposed under part D of this subchapter and sections 1637 ( a ) ( 5 ), 1637 ( a ) ( 6 ), 1637 ( a ) ( 7 ), 1637 ( b ) ( 1 ), 1637 ( b ) ( 2 ), 1637 ( b ) ( 3 ), 1637 ( b ) ( 8 ), and 1637 ( b ) ( 10 ) of this title, the term creditor shall also include card issuers whether or not the amount due is payable by agreement in more than four installments or the payment of a finance charge is or may be required, and the Bureau shall, by regulation, apply these requirements to such card issuers, to the extent appropriate, even though the requirements are by their terms applicable only to creditors offering open-end credit plans. Any person who originates 2 or more mortgages referred to in subsection ( aa ) in any 12-month period or any person who originates 1 or more such mortgages through a mortgage broker shall be considered to be a creditor for purposes of this subchapter. The term creditor includes a private educational lender ( as that term is defined in section 1650 of this title ) for purposes of this subchapter. My application/promissory note and or security gave consideration and secured payment, which now was stolen by Capital One and has been recorded as a book entry with the Treasury for their own personal gain. I received no benefit for providing my security to XXXX XXXX and no remedy to solve this matter. This is SECURITIES FRAUD which also violates their agreement with the SEC pursuant to Securities Exchange Act of 1934 and 240.10b-5 Employment of manipulative and deceptive devices. It shall be unlawful for any person, directly or indirectly, by the use of any means or instrumentality of interstate commerce, or of the mails or of any facility of any national securities exchange, ( a ) To employ any device, scheme, or artifice to defraud, ( b ) To make any untrue statement of a material fact or to omit to state a material fact necessary in order to make the statements made, in the light of the circumstances under which they were made, not misleading, or ( c ) To engage in any act, practice, or course of business which operates or would operate as a fraud or deceit upon any person, in connection with the purchase or sale of any security.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX I received several harrassing calls back to back from this company. The company went on to reach out to family members that I did not use as references and told them that there is a legal complaint filed against me. By doing this the company is tarnishing my name and reputation by making people think I have committed a crime. I called this company back to see what this was all about they claimed to have sent me paperwork in XXXX that I never received. They then threatened to place a lien on my home and vehicle. I would like this collection matter closed out with this company due to their unlawful practices. I would like this company removed from my credit report and I would like them to cease and desist. I am also looking into taking legal action due to defamation and harassment.
Product: Checking or savings account

On Thursday, XX/XX/XXXX, Chase shut down all of mine and my wife 's accounts without notice. In total, we have lost access to a personal checking account, business checking account, saving account, and two personal credit cards each. After repeated attempts to contact the bank, all of the supervisors have been either unable or unwilling to provide any insight into the unilateral account closure. The only explanation they shared is : " The banks exercised its right to shut down your accounts in connection with another account that you [ the account-holder ] have closed. '' We did not close down any of our accounts, however, and so the bank 's explanation can not be true.
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After conducting further online research, we connected with more than 10 other account-holders that experienced similar unexplained account closures within the past year. So far, the only common denominator we 've been able to uncover between our accounts is a religious affiliation. We are all XXXX. At this point, absent a further explanation from the bank, we have been forced to conclude that our accounts were unilaterally closed for reasons relating to religious discrimination.
Product: Vehicle loan or lease

I signed a lease with Ally for 24 months. 
I made 24 payments. 
Last payment made was on XX/XX/2020for the month. So the lease ends onXX/XX/2020.

Before lease end, I get in touch with Ally and they were gracious enough to give me a month free. This puts me out to XX/XX/2020.

Then I was offered an option to extend my lease up to 5 more months if i wanted. I choose to do 1 more month and that puts XX/XX/2020. 

This means, I owe one more payment and it will not be due until XXXX. 

Instead this whole time, my online account reflects issues with my account and shows I owe ally a lot more than I actually do. I get in touch with them through online chat on XX/XX/XXXX and again on XX/XX/XXXX and both time was assured, they will clear it up and its just slow right now due to Covid-19. I take their word for it. I save the chats for reference. 

Then on XX/XX/XXXX I get a collections call. Now they are calling me to get paid. Get paid the money that i do not owe them. 

I called them. I was transferred 3 times. The last person kept asking if i could hear them. No one else had issues hearing me, but this person just let me sit there for 5+ mins. while i wanted for her to be able to hear me. Finally she was able to hear. No idea how. The whole time i can hear animals in the background. I think she was at some kind of a farm ( irrelevant, but wanted to mention it ).  She got back on the call and without helping ... just said I am transferring you to collections and just transferred me. The music played for 5+ mins without me being transferred and finally I hung up. 

My account is still in limbo. I am afraid these guys are going to send this to collections and thats the last thing i wanted to do.
Product: Debt collection

This Item showing on my credit report on XXXX such as : LockHart, Morris & Mont XXXX # : XXXX oringinal creditor : XXXX  account type : collection date opened : XX/XX/XXXX oringinal balance {$1500.00} terms : XXXX XXXX payment history delinquent on : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX contact information : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Moreover, this account was deleted previously do to class action lawsuit reasons then it was later reinserted under a different balance amount? 
I therefore demand proper documentation of the litigation results to validate or verify this item?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a bankruptcy in XX/XX/XXXX. This bankruptcy was discharged 9 years ago. I have attempted numerous times through XXXX and Equifax to have this removed from my credit reports and both XXXX and Equifax refused to remove this past bankruptcy. The most recent dispute that was declined with XXXX was XX/XX/XXXX and the most recent for Equifax was on XX/XX/XXXX.
Product: Debt collection

I just want a formal apology from ARstrat for their innappropriate harrassment for 4 months. Once I paid them to get them off my back and told them I was going to file a complaint - I finally got my money back from them for money I never owed. They have been very rude and harrassing innocent people putting me through 4 months of " XXXX '' - I feel I should be compensated for their wrongful doing, no follow-through. No one should have to go through this torture for a {$10.00} copay that was paid on day of actual visit - despite the medical billing office saying they have spoken to ARstrat to clear this up - ARstrat denies all such communication with billing/doctor 's office. Still waiting for formal apology from ARstrat!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/year> Subject : Formal Dispute of Inaccurate Information Under 15 USC 1681e ( b ) and 15 USC 1681i ( a ) ( 5 ) Dear Sir/Madam, I am writing to formally dispute an account listed on my credit report. I have identified several inaccuracies associated with a late payment on my account, which I have detailed below : Creditor Name : XXXX XXXX Account Number:XXXX Date of Late Payment:XXXX According to 15 USC 1681e ( b ), credit reporting agencies are required to follow reasonable procedures to assure maximum possible accuracy of the information contained in consumer reports. Additionally, 15 USC 1681i ( a ) ( 5 ) mandates that any disputed information found to be inaccurate or incomplete must be promptly corrected or deleted from the consumer 's credit file.

The inaccuracies in this account include : Please delete this Late payment for incorrect information. 
Given these discrepancies, I am requesting that you either update the information to reflect accurate details or remove the account entirely from my credit report. Failure to comply with the above-mentioned statutes will necessitate further action. 
Please be advised that if my request is not satisfactorily addressed within 30-45 days from the receipt of this letter, I will proceed with litigation to seek {$1000.00} in damages for each inaccuracy on my credit report as provided for under 15 USC 1681n and 15 USC 1681o . 
Attached, you will find copies of my credit report highlighting the inaccurate information, as well as any supporting documentation to substantiate my claim. Please conduct a thorough investigation and respond in writing to confirm the resolution of this matter. 
Thank you for your prompt attention to this important issue. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The Consumer Reporting Agencies are not only willfully but negligently reporting negative information to my credit file. After numerous attempts at communication with them, they have not responded in accordance to the Fair Credit Reporting Act and have extremely affected my ability to extend credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under the FCRA all credit agencies must furnish a consistent and fair credit report. upon reviewing my file i show several inconsistencies among the agencies and i've tried disputing separately but the agencies refuse to correct errors on my report.
Product: Consumer Loan

I have Auto Loan with Wells Fargo Dealer Services and I have been paying on the loan for 2 years and making more than the min payment for 90 % of all payments made and they are not applying the extra to the principal as I have requested. I have called several times and they are not making the notes on my account. With every payment I call and they advise that I need to wait until that next payment posts to the account. 
This is allowing Wells Fargo Dealer Service to collect more interest and I currently have XXXX sitting in a Suspense account not being applied but being used to reduce the next payment due.