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

The following inquiries are on my credit report. I have no knowledge of these inquiries. 

XXXX XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX XX/XX/XXXX XXXX XXXX  ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XXXX XXXX, XXXX XXXX XXXX XXXX  ( Bank XXXX XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX, XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX Balance : -
Product: Credit reporting or other personal consumer reports

Im fed up. The accounts that are still in pending litigation on my credit report have been a constant source of frustration. Ive made numerous attempts to get this corrected, and nothing has been done. Its maddening that Im still dealing with this issue, especially since its unfairly hurting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6600.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5200.00} -This is not my account. 


-- XXXX XXXX XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$35000.00} -This is not my account. 









-- OTHER ACCOUNT XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a loan amount of {$350.00} -This is not my account. 


-- COLLECTION ACCOUNTS XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4700.00} -This is not my account. 

XXXX. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7400.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to setup an online account with Transunion. I sent in all the required documentation to fulfillment. I've spoken to fulfillment on multiple occasions and their final message to me on XX/XX/21 was " Hello, We regret the misunderstanding. We review your account and your credit file and found that due to lack of credit information on your file the online access might not be available for you at the moment. Also, please know that because of the type of freeze placed was for a minor for security purposes this might also make difficult to access the freeze online. The best option for you will be to manage the freeze over the phone by contacting TransUnion at XXXX XXXX XXXX XXXX Please make sure to have your pin number with you when assisted by one of our agents. 
XXXX ''
Product: Vehicle loan or lease

Westlake Portfolio Management purchased my loan from XXXX XXXX in XX/XX/XXXX. I think XXXX went out of business. From the first statement an additional {$3000.00} was added to my loan balance. It still appeared after my 72nd payment of the 72 I had contracted for. 

On XX/XX/XXXX, I sent a letter to Westlake asking for my title after the 72nd payment and why there was an additional {$3000.00} on my account in the form of a balloon payment. I never agreed to any balloon payments nor was there any in the original contract I signed with XXXX XXXX. 

Since XX/XX/XXXX I have called twice and sent an additional letter in mid XXXX asking for copies of the documents proving the legal existence of the additional {$3000.00}. 

As of today XX/XX/XXXX, I have received NOTHING from Westlake related to my lawful request. By not providing the requested documentation, Westlake is in violation of the law. 

I think Westlake is running a scam
Product: Debt collection

On XX/XX/2021 I pulled my credit report to see a collection account from Kingston Data & Credit with a balance of {$1600.00} listed. I have absolutely no knowledge of this debt or company. On XX/XX/2021 I drafted a validation letter, not to be confused with a verification. Requesting they provide me with competent physical evidence that I had any legal obligation to pay their company. On XX/XX/2021 I sent my validation letter out via USPS Certified mail, after tracking my letter I see the company received it on XX/XX/2021. Under the FDCPA laws Kingston Data & Credit has failed to responded to my validation letter in the legal allotted time which is 30 days of receipt. Kingston Data & Credit has also violated my consumer rights under the FCRA & FDCPA by continuing to report negative information to the credit reporting agencies causing a detriment to my personal credit while in the process of disputing this information. This debt is now unverifiable.
Product: Credit reporting or other personal consumer reports

Experian failed to remove inaccurate accounts on my report I have disputed
Product: Debt collection

Louisiana Recovery Services is reporting to XXXX, XXXX XXXX XXXX that I owe a " Medical Debt '' to them for {$510.00}. 

I have not signed any contract with Louisiana Recovery Services for any services at all.

Nevertheless, Louisiana Recovery Services should NOT be in receipt of my medical information. This is a violation of my HIPPA rights & subtitle D of the ARRA, SEC. 13401. Enforcement of penalties against me is covered under the penalty rules of the Omnibus Final Rule effective XX/XX/XXXX interpreting and implementing various provisions of the Health Information Technology for Economic and Clinical Health Act of 2009 ( HITECH Act ) as issued XX/XX/XXXX and the penalty rules of the FCRA and FACTA including FACT Act changes final rules effective XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have requested an investigation on my credit report from the EQUIFAX, XXXX and XXXX regarding possible fraud accounts on my credit report, and they have not sent me information on investigation status or accurately verified information regarding these accounts. I would like theses accounts removed if there is any incorrect or missing information as it is injuring me commercially. Per, The Fair Credit Reporting Act and 15 U.S.C Sec.1681i ( a ) if these accounts are not 100 percent accurate then I can have them removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have had a JPMorgan Chase Credit Card for over 15 years and have always made monthly payments on time with this card, as well as all the other credit cards I maintain. This JPMorgan Chase card has an Interest Rate of XXXX % for years and I finally decided to call JPMorgan Chase to inquiry about getting the rate reduced. After being put on hold for about 2 minutes by the CSR ( XXXX ) on XX/XX/2018. The CSR informed me that the current rate is the best rate I can get. By my account, and the 3 National Credit Bureaus my credit is rated as Excellent, and therefore, I Do Not Believe JPMorgan Chase acts in Good Faith with the FTC CARD Act of 2009 in doing a Fair and Honest review of Card Holders accounts. By reading recently about XXXX actions " related calculating the APR didn't properly reflect the full benefit should have received for good behavior, such as paying on time ''. XXXX is issuing refunds to customers whose APR should have been lowered. I strongly believe that JPMorgan Chase also is not doing a Fair and Honest review as required by the LAW.
Product: Payday loan, title loan, personal loan, or advance loan

National Credit Adjusters LLC have obtained my personal information from a company without the consent of the consumer ( ME ) in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a copy of the 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please delete account from your records. Company has also violated 29 U.S. Code 1109 - Liability for breach of fiduciary duty.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 reporting or other personal consumer reports

XXXX XXXX compliance letters were mailed out to all 3 credit bureaus on all of these following dates. 
XXXX XXXX XXXX XXXX XXXX They seem to refuse investigating my accounts considering all the stall letters I've received.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last 36 months I have had a blank credit file it does not show my name or my account closed or otherwise and it automatically says they can not give me a score ( obviously since it doesnt show I exist. I have written them called several times spoken with supervisors as recent as today and still no resolution Both Equifax and XXXX however does not give me access to any online account info at all nor do they respond to my calls or allow me to input my personal info to get a live person or respond to my letters
Product: Credit reporting

I had my purse stolen in 2007. They never found the person responsible. I cancelled everything, credit cards, debit cards etc. My social security card was in this purse as well as my license. Several years later I was contacted by certified mail and told I needed to appear in court in XXXX maine. It stated I had a very large medical bill I had not paid. I called the lawyer representing the medical facility and explained it was not my bill. He took some information then and asked me if my identity had been stolen. I did n't think so, because there were no other things showing up. Since then there is a different name aka on my credit report and many, many accounts that are not mine. They are actually fairly good credit. My debt to income ration according to this report is extremely high. In actuality my debt to income is extremely low. I have tried to dispute this with XXXX. I even tried to go through XXXX XXXX. At this point the horse is out of the barn, so to speak, so XXXX XXXX does n't do me any good. I have read up on this and found that I have a crossed credit or something. They say it is the most difficult to fix. Any help you could give me would be wonderful. Thank you
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding inaccurate information on my credit report maintained by TransUnion. On XX/XX/XXXX, I initiated contact with TransUnion to address the following inaccuracies in my credit report. Despite the passage of time, TransUnion has failed to respond to my inquiry. Enclosed are the details of the erroneous information and the necessary corrections : Account Not Late XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$540.00} Description : The account in question was never late. Please correct/update this inaccurate information on my credit report. 

Account Not Mine - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$250.00} Description : The account in question does not belong to me. Please remove it from my credit report. 

Account Not Mine - XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$470.00} Description : The account in question does not belong to me. Please remove it from my credit report.
Product: Debt collection

LVNV Funding LLC is trying to collect a debt not owed, my identity was stolen and used to open this account as a result I have frozen my credit reports. I do not know this company and do not have a contract bearing my signature with LVNV Funding LLC
Product: Credit card or prepaid card

If consumer closes an account and demands it to be removed or deleted from his credit report and there's no financial obligation left on that particular account, credit bureaus and credit card companies should be forced to remove account if its requested by the credit card holder. 
I closed two of my accounts : XXXX XXXX XXXX and XXXX XXXX XXXX, because of high interest rates and frivolous charges that were being applied monthly and yearly. Both of these credit card companies are still on my credit report and showing late fees that is most definitely affecting my credit and hindering my chances of securing a loan for my daughter 's education in the future. 
Thank You!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent accounts on my credit report, which I reported to BXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX, yet they are not removing these fraudulent accounts. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have no right to refuse to remove these fraudulent accounts because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX have refused to do this. The followings are the fraudulent accounts : XXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX opened XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were opened at an address where I have never lived at and it has nothing to do with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Report. 

This was a corporate account and mistakenly reported on my profile. Had your record-keeping been accurate, and where is the proof of payment history? The XXXX Credit Bureau is willfully in violation of FCRA and condoning illegal behavior, they MUST remove this collection account immediately.
Product: Debt collection

By email, on XX/XX/year> I sent Credit Control a very detailed debt validation and cease and desist order. 

Today, they violated the cease and desist order by emailing me another collection email. 

As of today, they have not provided any information to me to validate the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto lease with TOYOTA MOTOR LEASING. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Account : TOYOTA MOTOR LEASING XXXX Date opened XX/XX/2017 Balance {$7000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

BSI Financial has reported our credit late for 120 days. This is incorrect for the following reasons : 1. We were under COVID Forbearance for 3 months and BSI wrote us a letter stating NO negative credit reporting was to be made XXXX, XXXX, and XX/XX/2020. Instead, they DID report us late during forbearance and for XXXX and XX/XX/2020, which has denied us the ability to buy another home. 

2. We sold our house in XX/XX/2020 and made FULL PAYOFF to BSI on XX/XX/2020. BSI reported us late in XXXX AND XX/XX/2020 which is inaccurate. We informed BSI in XXXX the house had been sold and they still reported us late. We have not been able to buy a house because of the BSI mistake and BSI is completely unresponsive to our multiple requests for correction. 

Our credit was reported 120 days late and based on the aforementioned information this was incorrect. We have tried several times to correct this and BSI customer service employees continue to send several requests to their CREDIT DEPARTMENT which never corrects their mistake. 

BSI should honor their promise to us and rectify this issue so we can move forward and buy another home. This mistake has had a profoundly negative impact on our lives.
Product: Debt collection

Although I took my daughter to XXXX, on XX/XX/XXXX we left his office before any service was provided due to lack of hygiene XXXX general bad hygiene practices and inappropriate office practices ( inappropriate magazines in the children 's waiting area ). Immediately following the experience, my XXXX insurance company suggested I file a complaint with the Virginia Department XXXX XXXX XXXX. The case number is XXXX. Although XXXX XXXX XXXX provided NO service at all, his office fraudulently charged my supplemental XXXX plan and collected money for service he did not provide. Additionally, he has been fraudulently billing me {$14.00}. When I received a collection letter from Transworld Systems , Inc on XX/XX/XXXX I immediately tried to call Transworld. I tried several times, but was disconnected when I opted to speak with a representative. When I received another letter dated XX/XX/XXXX I attempted several times, again, to reach a representative with Transworld. On XX/XX/XXXX, I finally gave up trying to reach Transworld, and I called XXXX office directly to dispute the validity of this charge. I spoke with XXXX XXXX and also XXXX XXXX. XXXX XXXX called me back shortly after I spoke with her on XX/XX/XXXX and indicated that XXXX XXXX XXXX would not be pursuing collection, however, today, I received another Transunion Statement dated XX/XX/XXXX.
Product: Credit reporting

I am requesting that TransUnion immediately update and correct the address listed on the TransUnion Credit File to read : XXXX XXXX XXXX Ct XXXX, XXXX, WA XXXX. My Social Security # is XXXX and my Date of Birth is XX/XX/1988 in case it is needed to correctly identify me in their system.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX OF XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX SELF-REPORTED Account Number : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX Account XXXX : XXXX ; XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX