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

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the XXXX, Equifax, XXXX credit XXXX agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$510.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

Recently I was wrongfully denied credit for a mortgage. To my surprise, the mortgage company said that I had a poor credit rating. When I investigated this issue, I discovered that Citi Cards is not reporting my CitiBusiness credit card account to the credit reporting agencies. The account 's high credit limit does not contribute to my credit utilization score as it should. I have a few other cards whose combined credit limits are much less than this account. On these cards I had taken advantage of 0 % interest offers, so over XXXX % of their combined available credit are in use. 

Citi Cards ' failure to report this card to the credit bureaus has seriously damaged my credit profile. This interaction with my mortgage company was highly embarrassing and negatively impacted my lifestyle. Citi Cards ' failure to accurately report my credit information to the credit bureaus has damaged my reputation and my good credit standing. 

I have pursued this issue with XXXX, XXXX, and XXXX. They say there is nothing they can do to get a company to report to them regarding an account if the the company does n't want to. 

I have discussed this issue many times with Citi Cards, and they refuse to report this account to the credit bureaus. I have been told that the reason this card is n't automatically reported to the bureaus is that they consider it to be a business card. However, the legal entity which holds this account is not a business, but is my wife and I, personally. The card is in the name of my wife and me, and the tax ID associated with the account in Citi Cards ' own records is my own personal Social Security number, not the federal tax ID of any business. Because I hold this account personally, and not through any business entity, I believe that Citi Cards is obligated under law to report this account to the credit bureaus that report my personal credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been violated by the Credit Reporting Agencies and Corporations by furnishing information on my consumer report without my written consent.

Per 15 USC 1681 ( a ) 2 ( a ) ( i ) ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Your company has violated my consumer rights by furnishing information such as payment history, which are considered transactions or experiences between the consumer and the person making the report. 

The accounts furnishing any late payments should be excluded and deleted from my consumer report. I did not give my written consent.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. 
Furthermore, their dispute resolution proces was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of identity theft. I found numerous accounts on my credit report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.
Product: Debt collection

On XX/XX/2020 I sent a dispute letter to XXXX XXXX and all 3 credit bureaus regarding a collection/charge-off. The account is posted on my report twice. XX/XX/XXXX and XX/XX/XXXX is together on one file while XX/XX/XXXX is being reported on another file. All together the account has a total of 5 inaccuracies. It is well over 30 days and the account still has 5 inaccuracies and it hasn't been updated or removed
Product: Credit card or prepaid card

Made a payment in mistake of {$1000.00} to American Express Credit Card ( XXXX ) taking care by XXXX on XX/XX/2022 from my XXXX XXXX  online account. That card was already closed. 

I put this issue to XXXX XXXX  at least 3 times and they said transaction is completed and money paid to American express. They are not giving me complete info. 

I contacted to American Express and they had no knowledge of that money, either by card number nor social security number. Remind it I have an active American Express card and I paid its bill of same amount of XXXX on XXXX XXXX in separete transaction. 

I also contacted with XXXX XXXX  many times and they also had no knowledge as well. 

End result I paid an amount to expired or closed account from XXXX online account and have no trail of money. I should get my money {$1000.00} back in my account.
Product: Payday loan, title loan, or personal loan

Rather then accepting payment through their online portal they would rather call I am not willing to give my personal information over the phone that the company should have in tge firt place. They said once you fall behind on payment that they shut It out and it was in my documents which it isn't and they still continued to send me emails saying how easy it was and to make a payment online which they locked me out of so they can litigate then arbitrate the matter.
Product: Credit reporting or other personal consumer reports

Equifax have to remove immediately the credit inquiries that I never recognize on my report that is fraud and they have to remove it ASAP. Does credit inquiries not done by me and I did not apply for none of those creditors so please remove it immediately from my credit report
Product: Credit card

I never tried to open an XXXX account but its on my report as I did in XX/XX/2023 I believe I want this off of my report
Product: Vehicle loan or lease

I am writing to lodge a formal complaint against Capital One Auto Finance regarding the unauthorized reporting of a charge off on my consumer report, associated with Account # XXXX. This inaccurate information has caused serious injury to my creditworthiness, leading to multiple account rejections, including my inability to secure a home loan. As a result, I request the immediate removal of the charge off entry from my credit report. 

Additionally, I seek compensation of {$8000.00} for the violations caused by this unjust reporting. The false charge off entry has had severe consequences on my financial well-being and personal life. Due to this violation, I have been unable to obtain approval for numerous credit accounts and financial opportunities, leaving me financially strained and dependent on my family for housing. 

The impact of this inaccurate reporting has been devastating, as I am currently staying with family due to my inability to get approved for a home. The strain on my financial stability has caused immense stress and arguments with my spouse, ultimately leading to our separation. This unjust reporting has disrupted my life and has made it extremely difficult for me to achieve stability and security. 

I urgently request the Consumer Financial Protection Bureau 's assistance in conducting a thorough investigation into this matter, ensuring that Capital One Auto Finance rectifies the unauthorized charge off entry and takes full responsibility for their actions. Additionally, I request your support in securing the requested compensation as a means of rectifying the damage caused and providing some relief in this distressing situation. 

Please keep me informed throughout the investigation process, and I anticipate a prompt resolution to this complaint. Your intervention is crucial in holding businesses accountable for their actions and protecting consumers like me from unfair practices. 

Thank you for your attention to this urgent matter.
Product: Debt collection

A lady by the name of XXXX XXXX fron central portfolio control, tele num, XXXX has continued to call me after speaking to the actual company about the situation. XXXX has also called my contacts I had filled in upon getting the loan without permission. I had missed her call again because of my phones virus detection, saying marketing, hence never answered my phone. XXXX left a voicemail so, I called her back. Once on the phone with her, she didnt want to hear a reason to as why because I owed debt and that the month is ending and they need a payment. I as of six weeks ago was laid of from my job and from a single income family with XXXX children, I told her that I will have no problem paying for the two missed payments that I missed. XXXX didnt want to hear this as she said, I do not care what you think of me or pretty much anything you have to say but youre telling me your not going to pay? I said, thats not what I said. She then started to become very angry and repeatedly said, your not paying, your not paying. I then asked, I have no information to who you are and who you represent. I also have no letter on this. Can you please mail me one? XXXX then told me that she is not a mail service and we already mailed one and I k now you have it. I daid to her, Im sorry but I do not. After yelling at me more she said well, since youre not paying this, cause I need a yes or a no from you, I am transfering you. Another very nice gentleman got on the phone, and I asked if he could mail a letter to me, and he said well, we just did yesterday and I will also email you as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I pulled my consumer reports and I have noticed once again that the consumer reporting agencies are not upholding their responsibilities by ensuring that my reports are at the maximum accuracy. My personal information has outdated addresses and incorrect names listed on there which need to be removed. There are multiple accounts where they have wrong open dates, reporting dates, credit limits, payment statuses, and etc. How can they keep saying that they are following their responsibilities under the FCRA but there are multiple inaccuracies on my consumer reports?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX reported to agencies that I was late on my payment when I was disputing the amount due. 
The car was purchased in MA and I paid sales taxes there. 
Thereafter the vehicle was moved to Texas where apparently XXXX XXXX XXXX XXXX paid again those taxes and passed to my account I disputed those extra charges since you only pay on one place.
Product: Vehicle loan or lease

I have visited XXXX XXXX ( on the last weekend to buy a new car from XXXX XXXX XXXX They had promised to charge interest rate@3.99 % on invoice price but the document mentions 3.99 % on all tax loaded price. And there was no agreement of down payment which is inserted in the final price financed as " Total Sale Price ''. 

I have completed loan application under financing through toyota finance but since it got late for the PDI inspection the delivery/ pick up is scheduled for Monday morning. 

Please advise us the options. Should we contest the anomaly in documentation? Are we under any legal bonding? Can we walk out on the agreement if we have not taken physical delivery of the car?
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I requested Equifax, XXXX and XXXX to investigate the XXXX XXXX XXXX account on my credit report for innacuracies as well as the XXXX XXXX and the XXXX XXXX accounts for innacurracies. These accounts are all reporting innacurate information and need to be corrected/ removed. I requested proof of the late payment from the creditor to validate the items. I have not received response from any of the bureaus. Im requesting this innacurate item to be removed from my credit report.
Product: Credit reporting or other personal consumer reports

After sending a lot of Dispute Letters and FTC reports, these negative items are STILL reporting. I am a victim of identity theft. The information attached below, which appears on my credit report, DOES NOT relate to any transaction ( s ) that I have made. It is the result of identity theft. I've also called on MULTIPLE occasions regarding the negative items that are reported on my credit report. These accounts are NOT MINE. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity and my Proof of Address.
Product: Credit reporting or other personal consumer reports

Kindly eliminate these inquiries. I possess no relevant information on this matter, and the company proceeded without seeking my approval.
Product: Credit reporting or other personal consumer reports

XX/XX/2023, I noticed unauthorized inquires on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be 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 these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$3.00}, XXXX XXXX XXXX XXXX : {$5700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 about XXXX eastern time i called XXXX  XXXX Equifax and XXXX  to kindly remove these account that arent mines and incorrect that are on credit report which is affecting my credit score but they were being rude, had me on wait for about 15mins and they just wouldn't comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

A collection company named Medi-Comm has reported a debt for a medical service I did not have with XXXX Medical Center. Ive contacted XXXX Medical Center numerous times trying to remove this with no avail. I contacted the collection company about the collection that was reported on XX/XX/XXXX ( report XXXX ) and they sided with the collection company. They disregarded my dispute twice without investigating the matter. I cited FCRA section 609 ( a ) ( 1 ) ( A ) which requires them to verify which they failed to do so with the original biller. The total amount of the bill is for {$660.00} for supposed services on XX/XX/XXXX.
Product: Prepaid card

My account has had an error with logging in to view my card info for about XXXX weeks now. I have called support and they were unable to fix it, so they opened a ticket for me ( XXXX ). I have been emailed the same copy and paste message repeatedly saying they will look into it within XXXX hours but nothing has been done. I have over {$2000.00} in prepaid cards that I am unable to access and customer service does not seem interested in helping fix it.
Product: Debt collection

I recently sent a complaint to you all regarding lvnv whom goes by two names resergant not being one thats reporting on my credit but in fact lvnv whom which I never done business with ever. My most recent complaint was closed because they sent a response back saying they bought this debt from XXXX XXXX and they have legal obligations to collect on this debt that was never properly verified, never received a notice and sent them a certified letter in the mail twice requesting a signed contract from me and lvnv or resergant whatever they go but an this debt they claim I owe was apparently sold almost over 6 years ago yet its funny how after I paid the creditor in full on XXXX XXXX all of a sudden they some how are trying to say I owe them money and collect on a debt that is not mined because they bought this debt from XXXX XXXX. I dont business with XXXX XXXX nor lvnv. My Question to resergant Im sorry lvnv when was notice sent to my current address? When was this debt validated? When have we been in contact besides the letters Ive sent and never received a response and based on the fair credit collection act you have violated and never properly validated a debt that does not belong to me nor you. I will not pay you any and now Im going to be forced to take legal action because not only has my credit be affected you all are fraudulently trying to collect money on a debt that was not properly validated nor did the consumer receive notice from lvnv for them to place on my credit report. They need to reach out to XXXX XXXX  and collect money from them because this debt was paid directly to the creditor and I refuse to be a victim to fraud. Yall have since sent me a signed contract stating yall can collect and still have failed to do so and a printed out bill does not validate any debt.
Product: Debt collection

XX/XX/2017 {$730.00} Portfolio Recovery That bill doesnt belong to me never made such spending and never used any credit from that company I have no idea why it stands on my report and I request urgent removal from my credit report Ive also tried to dispute through XXXXHowever I never received any email or mail regarding such bill.
Product: Vehicle loan or lease

This info below includes Safco as well, here is the situation Safco ... ... .I received a call from XXXX advising me my account was past due, and l told her no it is not, l told there there is an error, she told me l needed to contact Safeco, which l did on XX/XX/2020 who told me they will reach out to XXXX XXXX in the meantime XXXX told me that they would have repossessed and l told here for what was she talking about that l am 100 % current on my loan and payments. I am asking your department to get ask for an update of what the discretion is as Safco tols me it is not in arrears and that also they told me XXXX has not sent over payment l spoke to XXXX a supervsior at Safco. I have email confirmations on all payments. There calls are recorded on XX/XX/2020 l submitted payment, then on XX/XX/2020 l called to see what the problem was that my payment had not gone through the bank XXXX said it did not go through, so l said it never went to my bank as my bank verified they never attempted to send the payment to my checking account and that is what prompted me to call them, gave them the checking account info again and then on XX/XX/2020 get called from XXXX telling l was 3 months in arrears and was getting ready to have my car repossessed and told her my account is up to date, she tried telling me that both dates in XXXX did not go through and l told her that she told me on XX/XX/2020 that there might have been one number out, there calls are recorded l welcome they pull the call, on XX/XX/2020 she never said my account was in arrears which it is NOT it is current and up to date and l told her that l have all email payment confirmations, I called Safco and they told me it is not in arrears and that they will also call XXXX as XXXX has not been documenting in my account and Safco said have not sent over payments as well. The right hand does not know what the left is doing, l am asking they fix this error that has occured with my account and there company. Safco told me they have never reported, my discharge date to them as well.
Product: Money transfer, virtual currency, or money service

Its been multiple instances where there where unauthorized uses on my Zelle which I did not do nor accept this happened a lot
Product: Debt collection

I called Midland Funding to try and settle a debt on my credit report but when I called, they said XXXX XXXX XXXX owned it. When I called XXXX & XXXX, they said Midland Funding owned it. 

The Docket Number is XXXX Midland Funding Account Number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax refuses to delete multiple unauthorized inquiries from my credit report. There are multiple inquiries from the same company. The unauthorized inquiries must be deleted.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX