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

TITAN RECEIVABLES INC ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$2500.00} - The entire account status that is currently reporting on my own credit record is having a grave damage impact on my personal capability to obtain approval to obtain a new loan request, please be sure to have evidence that this has been recorded accurately in accordance with the Fair Credit Reporting Act procedures, it's really a very serious matter to mis-report. I desire to ask your verification of the above mentioned item also. If you can't examine this information as being 100 % exact I highly recommend you delete this straight away. 
Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX You have incorrect information on my report this is the wrong docket number. This is a violation Remove Immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

Issues with equifax reporting mixing up account disputing wrong account Dispute my positive accounts losing 20 point after paying down positive account and next account I've paid to XXXX balance score drop 49 point
Product: Credit reporting, credit repair services, or other personal consumer reports

A online store - amazonstorecard.com - uses unethical finance charges to gouge customers. An example is they neglect and refuse to honor good faith late payment fees i.e XXXX dollars for the first month regardless of any payments made. For example a XXXX dollar item with coupon was billed XXXX dollars after 3 month. This lending company is a scam. My credit score is fair due to a XXXX dollar item. 

Please respond, P
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX and Equifax have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXXXXXX XXXX XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  XXXX - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX  - XX/XX/XXXX - THIS COMPANY IS IN VIOLATION OF 15 USC 1681N THESE FRAUDULENT INQUIRIES MUST BE REMOVED IN 4 DAYS 15 USC 1681C-2- This account is inaccurate and fraudulent. I? m seeking Litigation. Please delete at once. 

XXXX XXXX, XXXX, and Equifax have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the data is inaccurate.
Product: Credit reporting or other personal consumer reports

Experian XXXX XXXX XXXX XXXX, TX XXXX Subject : Dispute of Unauthorized Credit Inquiries Dear Experian Dispute Department, I am writing to formally dispute the following unauthorized inquiries listed on my credit report. According to 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report under certain permissible purposes. I have reviewed my credit report and found several inquiries that I do not recognize and did not authorize. 
The inquiries in question are as follows : Hard 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 I request that these inquiries be removed from my credit report as they do not meet the criteria outlined in the Fair Credit Reporting Act ( FCRA ) for permissible purposes. Please investigate these inquiries and provide me with the results of your investigation.

I appreciate your prompt attention to this matter and look forward to your response.

Best
Product: Debt collection

This is concerning a XXXX hospital bill and XXXX prior to admission. However they claim the hospital doesn't pay the doctor, who has to separately bill? Insurance information wasn't even provided to them. This occurred a year ago exactly. XXXX has a XXXX bill including what they are trying to separately double bill for. XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I provided my insurance information to XXXX XXXX in XX/XX/XXXX. XX/XX/XXXX the debt appeared on my XXXX XXXX and XXXX credit report harming my scores drastically. I have perfect credit! The dates in question and XXXX visit appear on XXXX invoice, stating Not A Bill. This appears to be an attempt at Fraud towards a protected class. It makes no sense that billing would occur this way, when insurance is provided at time of service. To retaliate by impacting my credit when I'm insolvent anyway but have full insurance is ridiculous.
Product: Mortgage

My loan servicer for my mortgage was bought out by Newrez on XX/XX/XXXXXXXX XXXX XXXX XXXX. Prior to the acquisition I had scheduled my normal mortgage payment with the old servicer XXXX. I promptly contacted the old servicer to cancel my old payment which was via a web inquiry, but the old servicer forwarded all calls and web inquiries to the new company. I was not able to access the website anymore nor call them to stop this old payment. I then contacted the number to the old servicer which only connected to the new company on XX/XX/XXXX XXXX XXXX When I called they told me that they could not find my old payment and it would be either transferred over potentially, or canceled, and I should see it soon but to call by the end of the week if I did not see it on my Newrez account. I called again on XX/XX/XXXX XXXX XXXX  and I was told that my payment was canceled. I then got notification that my payment I had set up for the prior servicer was about to be drafted out and it would be posted tomorrow on XX/XX/XXXXXXXX XXXX XXXX XXXX I then contacted the company for the fourth time and they told me again that they couldnt see it. I was charged 2 times even though I tried 4 times to stop it. I had no way to stop the payment and all calls and inquiries led me to the new servicer that either lied or was ignorant of how to stop an old payment. Im now double drafted waiting on a dispute because my 4 attempts to stop it were frustratingly fruitless. It is contrary to law to deny anyone the inability to stop an ACH payment by simply being ignorant of it and shutting down access and contact information for the old servicer. Hold them accountable. I now have 2 payments for {$3200.00} just as I feared. Im disputing the one I could not cancel but the fact that I had no ability to cancel the old one 4 times is criminal.
Product: Checking or savings account

On XX/XX/XXXX there was a withdrawal of {$200.00} on an ATM in XXXX in XXXX XXXX and another one of {$800.00} in XXXX XXXX XXXX in XXXX, the scammer also transferred my savings to my checking account to add to the account. I called to make a fraud claim and they gave me a provisional credit until they saw it was fraud or not, so the provisional credit made the scammers bought stuff from the next day from pending to granted. On XX/XX/XXXX they also stole and bought {$950.00} worth of XXXX  in XXXX and then got gas for {$110.00} in XXXX. All of this was pending but the provisional credit that the bank gave me, approved the payments of all that the scammer bought, they said it wasnt fraud because the card was used physically even though I had my card with me and I have a XXXX XXXX, there was no reason to go to one ATM to another.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/year> I wired {$22000.00} from Wells Fargo Bank into an account with XXXX  XXXX XXXX. I was informed by the person I sent the money to that the funds were not available and that the account was closed. I then called Wells Fargo and opened a complaint because I was told by my bank that a reverse transfer could not be done. 
I continued to call Wells Fargo every other day to ask for status only to hear excuses and that it would take 10 days. After the ten days of repeated calling, my case was transferred to a different office ( escillations ) and they added 10 more days to my complaint and still no money. All this time and never received any information or formal communication from the bank. On XXXX XX/XX/year> I received a call from a third office who told me there was a new case # and I would receive written communication NLT XXXX XX/XX/year>. 
I have a bad feeling that I will never see that money again. 
XXXX
Product: Credit reporting or other personal consumer reports

I contacted this credit reporting agency back on XX/XX/2024, with the attached Notice. This notice was informing them that I have attempted to remove the attached items from my credit report after I had contacted the related companies to dispute these items and received NO response to my request to verify these debts. The credit reporting agency has provided no valid response and failed to honor the law and remove these items as required. In some cases, they responded with some vague and incomplete response that they had contacted the company and " verified '' something. However, I have received no such documentation of any verification and still have received no documentation from either of these companies verifying that I have an existing debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a car accident on XX/XX/XXXX where I hydroplaned. No other car was involved. The car was taken to an impound lot by the XXXX police. Within the hour, I filed a claim the same day with my insurance, XXXX of which I had full coverage. The car was totaled and undrivable. Capital One Auto was the lien holder to which I was current and ahead on my loan payments through XXXX of XXXX. 

The car remained in impound for 3 weeks and we contacted Capitol One to make sure they knew it was under an insurance claim. On XX/XX/XXXX, I received a letter from Capital One stating I had unpaid fees which were impound fees and repossession fees due to the fact insurance never picked up the car nor looked at it. I called that day and was told to have insurance contact them which I did. However, Capitol One did not hold the car for insurance. They picked up the car out of the impound and charged me with impound and repossession fees and SOLD the car for scrap. Again, my car payment was ahead and up to date. During this time, XXXX said they would take care of the fees, look at the car, etc. But every time we called Capital One we were transferred at least 3 times to different departments as no one could give us an answer as to why they were selling the car, even though it was under an insurance claim. In XXXX XXXX my credit report took a hit. Capital One placed a Repo and Charge off on my credit report causing it to drop over 100 points. Since the car was totaled, I had to get a new car but was unable to finance a new one since my credit had taken such a huge hit and had a repossession on it which is still there. I have not been able to finance a car, and this has place a huge burden on me and my family as they have had to be the ones to help with a new car. 

You will see from the attached document on XX/XX/XXXX, that it states, I had no unpaid late fees or past due payments. And then, in XXXX they send me a letter to tell me how stressful losing a car can be and to work with my insurance company. What a joke - 4 months later. 

Finally, after 4 months, at the end of XXXX, XXXX paid out the claim and fees owed on to Capital One. We have disputed the credit report with Capital One and they are refusing to take this Repo off my credit and stating it is accurate. I am still not able to finance a car as the creditors see that and think I wasnt responsible for my car payments, even though again, I was current and ahead on my loan payments. 

Thank you,
Product: Debt collection

I had a past due loan that was set to be sold on XX/XX/2023. I paid the total remaining balance on XX/XX/2023. My XXXX account shows fully paid off and the payment was 100 % cleared on XX/XX/2023. XXXX then sold the debt on XX/XX/2023 after they already received the payment in full. On XX/XX/2023, I received a phone call from Velocity Recoveries stating that I owe them {$13000.00}, which is the amount that I paid to Upstart to pay off the loan. For more than three weeks I have been in communication with XXXX  and Velocity, and they both do not have answers. XXXX told me the loan should not have been sold, it was then sold. XXXX told me they are going to recall the loan, it was not recalled. Due to this, they inaccurately reported my account as past due and sold off, when in fact I paid them in full before the sell-off date and I confirmed with my bank that the payment cleared before the sell-off date. I am still receiving calls from Velocity telling me I owe them the {$13000.00} that I paid to Upstart, again before it was set to be sold to Velocity. XXXX refuses to confirm that they received the payment in full. This is negatively impacting my credit and mental health.
Product: Credit card

XXXX This was the last complaint number for cfpb. The company responded stating XX/XX/23, that if the {$550.00} provisional credit they had isssued while investigating was found in my favor that the provisional credit would be permanent & the fees associated with this fraudulent transaction would be removed & my account balance {$0.00}? I also received two letters dated XX/XX/23 one stating that the {$550.00} was found in my favor the second letter stating I was mailed out a new replacement card? But I called & was told my account is in the ally bank collection dept? No card has been sent to me?? Conflicting information from ally bank?
Product: Debt collection

First, Received calls from debt collector for the amount of : {$2000.00} from a XXXX  account in my name. So, I know I have not used XXXX in like many years and then I was under the name XXXX XXXX. So my Credit report shows on XX/XX/2020 a transaction with XXXX XXXX  XXXX. On the other part report date XX/XX/2020 an address associated my current name XXXX XXXX as : XXXX XXXX  XXXX XXXX, XXXX, XXXX. I have never been to Georgia let alone live there let alone during the hight of the pandemic! I was home here in XXXX XXXX XXXX I tried to get the address off of my credit report. I tried calling XXXX to figure out how to get into my old account and they said I have no account? Even in that old account I would have been XXXX XXXX with a very old Credit card I no longer have. I am debt free. My credit report is very clean and I have a very high credit score. Please help me get rid of these people. How in the world did they associate a XXXX XXXX from XXXX, XXXXXXXX with me here in XXXX. I only ever lived here and even ran a business etc. Thank you for your help!
Product: Debt collection

This account was removed from my XXXX credit report, this is with attempted fraud, because they want to charge it twice.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following fraudulent accounts from my credit file. As a victim of a data breach, I did not authorize the creation or association of these accounts. Pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request the immediate removal of these items. 
Fraudulent 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraud address on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX texas i have 7 inquires on my equifax credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and there is account fraud account XXXX  XXXX  for amount {$100.00}
Product: Credit reporting

" Trans Union had a glitch in their system that violated the rights of their consumers under section 6.11. As a result, I have been gravely affected and my score is suffering as a result. No notice was ever given which is also a violation and I am requesting that ALL inquiries be removed : XXXX XXXX/XXXX/XXXX XXXX XXXX NA XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX
Product: Credit card or prepaid card

Credit Card is charged for services which company has not provided.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
XXXX. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX, FL XXXX XXXX. The following personal information is incorrect Account XXXX : PREVIOUS ADDRESS : XX/XX/XXXX XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 
XXXX there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Delete this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed that I have a fraudulent account on my credit report i did not have no knowledge and gave no authorization i would like this fraudulent account off my report the account is convergent outsourcing $ XXXX it was opened on XX/XX/18