23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/2020 I visited a car new dealership to purchase one of the two XXXX 's for sale. I made it very clear on the website which vehicle I was interesting in purchasing. The sales person indicated that he would pull the SUV up front for me to see. 

After talking for about 30 minutes the sales person agree to accept {$5000.00} from my credit card and the balance I would electronically forward from the same credit union. 

They advised me that only {$3700.00} was available on my card. I authorized for the amount and I told the sales person to let go home to learn what had occurred because I made a payment the night  before. The salesman gave me the paperwork with the price, taxes and fees and it was then that I noticed a difference in the price that I was presented. The salesman was trying to sell me the other XXXX XXXX of the same year with a higher price. 

I went home and look at the two XXXX 's and the one I wanted and the one he tried to sell me. 

I emailed the manager of the car dealer to refund my money by returning the amount because I did not want the higher price SUV, the next day. 

I notified my Navy Federal Credit Union to dispute the transaction on XX/XX/2020. I learned the next week that I filed an dispute incorrectly, so I filed a dispute correctly. I did receive instructions to " freeze '' my account. 

I filed another dispute or questioning for a response. 

I was advised that it may take awhile. 

I purchased another newer SUV at another dealership on XX/XX/2020.
Product: Debt collection

Good Morning, I received a letter from XXXX XXXX XXXX XXXX XXXX firm, for the collection of a debt that was just an over sight on my part, from Mariner Finance for a total of XXXX. I contacted Mariner Finance to try to make up payments and then have them, to start taking automatic withdrawal from my checking account, and they refused stating that they would get in trouble for talking to me and stated I needed to talk to the attorney, in which I did contact the above mentioned attorney 's office and tried to set up the same arrangement, and they stated that I had to make the full payment, and I stated to them that I retired, but they refused to let me make any kind of payment, and refused to automatic take payments direct out of my checking account. They stated that they will sue. I do owe the debt and want to pay, but they refuse. 

Mariner Finance XXXX Attorney XXXX I am really trying to get this resolved. 

Thanks for your help
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both XXXX XXXX and XXXX XXXX about credit inquiries which I did not initiate. 
Both companies assured me they would correct these inaccuracies. in reviewing my credit reports with Transunion amd XXXX none of the companies involved have done so. 
XXXX XX/XX/XXXX and XXXX XXXX XXXX XXXX XX/XX/XXXX I have NOT applied for credit for over two years
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the XXXX home during the time 's that they claimed these account were open. They all need to removed. The medical record violate my right i did not give consent for them to use this information. Once they gave this information to the their party threy broke the contract. None of this is mine nor have they proved it. all the old stuff need to be removed
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681c-2 FTC VIOLATION . EXPERIAN, XXXX, AND XXXX FRAUDULENT REPORTING, FRAUDULENT ACCOUNTS, REFUSAL TO PROPERLY INVESTIGATE AND SUBMIT PROOF OF FINDINGS, REFUSAL TO REPORT FINDINGS, REFUSAL TO CORRECT AND REPORT TRUE CONSUMER HISTORY. EXPERIAN, XXXX, AND XXXX REFUSAL TO PROPERLY ADMINISTER CONSUMER ACCOUNT ; REFUSAL TO ACKNOWLEDGE CONSUMER COMPLAINTS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested vailadation on XX/XX/XXXX from XXXX XXXX XXXX. And was sent back a letter stating it was with XXXX XXXX. In which I, sent them a letter to validation and instead I, was sent a offer to settle. Either company has sent me any validation to this debt. Also, I sent XXXX XXXXXXXX XXXX another letter stating that the account is still showing a balance and can they send me validation again. Never received it. I then sent a letter to XXXX on XX/XX/XXXX for validation and the same results but they only sent me a offer for a new card on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX is also part of this is the same account on experian, i dont know how this happens but maybe explanes why my report is so crazy, they have me married to XXXX in wich we were divorced in XXXX  so my experian is all over the place they mess people up puttng my info available when i have not entered a contract with them to so, i will attach a copy of it i found at least 3 things off just a quick read im sure there is more. quikly what i noticed,, still married to XXXX, XXXX XXXX info is not correct ith dates are off saying it was closed 2 years ago on account XXXX XXXX XXXX oh here and i ower more then paid.. here is another account, XXXX XXXX XXXXXXXX was my account was payed and payed and closed on time in XXXX however some reason posted as negitive, XXXX from XXXX XXXX XXXX account numbers m XXXX XXXX has no info of mine as owner i dont know them for any services, and the other account number XXXXXXXX XXXX also not sure about that one either, this town if small and full of thorntons, i have applied for ssdi 2 years ago and fight for it i just just a letter said i been working last 2 years. but i havent i looked up the names they gave me and they are XXXX  resturants in florida and i live in illinois so someone been usin my info long time, and the tax refund this year was heald by irs because sme one try to take it and her had proven identy there,, so crazy seem to be the trend, i had no idea i has in over 20 data leaks or whatever called so i guess happened there, i am about to lose my home and everything else i have while these companys just run around doing what they want, thanks for any support XXXX
Product: Student loan

XXXX call made at XXXX pm Called in to inquire about a bill amount showing due. File status was on a {$0.00} payment plan notified 6 months past due on credit report on XXXX/XXXX/XXXX. I never received any calls about a delinquent status. Spoke with XXXX - XXXX was refused service after verifying full social and address. Date of birth incorrect asked for manager got a XXXX - XXXX. XXXX was refused service again after verifying full SSN asked for a XXXX XXXX was refused and told I will not be able to speak with anyone other than him. Would not provide a manger after multiple request. Would not provide manger ID after multiple request. Refused to provide address or phone number for a complaint department. I have filed a dispute with XXXX and possible fraud.
Product: Debt collection

XXXX XXXX  contacted my work number on Wednesday, XX/XX/2018. As I was off, they left a voicemail stating that if I did not respond immediately, they would be starting a verification of employment. I got the voicemail today ( XX/XX/2018 ), and called back immediately and left a message advising that I would like to make a payment arrangement of low monthly payments, as I was trying to get involved with a debt consolidation program. I received a return call from a Ms. XXXX or XXXX, but I had missed the call. I called back, and offered the same information I had left in my message. This rep rudely stated that she had already started the verification of employment process, because I did not call back yesterday. I told her I was not at work, and therefore would not have been able to call back, as I did not get the message until today. She told me they were going to start garnishing my wages, unless I paid the {$1300.00} I owed XXXX right away, or paid over {$170.00} bi-weekly. When I said I couldn't do either of those things, and again offered {$100.00} per month, she said she was putting me as " refuse to pay '', and would be garnishing my wages. When I cited FDCPA, she stated that they are not held to the FDCPA laws. I tried to explain that I was trying to find a debt consolidation program, and she said it wouldn't stop the garnishment. Her bullying and scare tactics caused me to have an XXXX XXXX, and had me in tears, because I can not afford to have money taken out of my paycheck.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, Experian, XXXX, and XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of accounts opened at XXXX XXXX XX/XX/XXXX, an auto loan account opened at XXXX XXXX XXXX  on XX/XX/XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, and credit card accounts opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, along with three unauthorized hard inquiries from XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent negative accounts appearing on my consumer FICO 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, or hard inquiries as reported. The aforementioned accounts, 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 US 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 reporting, credit repair services, or other personal consumer reports

I have asked XXXX, XXXX and TransUnion for a more than reinvestigation 6 times. I have not been given this. I have formally asked by mail, I have asked by phone and I have asked online. I have errors on my credit report that they refuse to fix. They do not offer me proof of investigation or proof of the original debt required under the fair credit reporting act. Their employees do the bare minimum of work and millions of consumers pay the price for their negligence. There is a fiduciary duty to uphold the laws set in place to protect people. It does not seem to matter. 


Several of the accounts have the wrong dates reported. By law, the first instance of an account being delinquent is the date in which the 7 year rule starts. Two accounts are more than 7 years old. They became delinquent more than 7 years ago. In order to keep them on my credit report, the reporting companies must provide a full accounting of the original account terms along with a full accounting of all payments. They must also have the correct legal name of an individual and the correct SSN and date of birth. If they can not provide ALL of these detail, under the FCRA a debt MUST be deleted. 

ERRORS : # XXXX. I have a closed credit card from XXXX XXXX  XXXX that is too old to be on my report. If the reporter fails to furnish all of that information and legally required documentation within a 30 day investigation period, the debt must be removed by the Bureau. 

# XXXX. I have a closed account from XXXX XXXX that is not only too old to be on my credit, but the sum of the original debt was fulfilled at auction and the company did not issue me the positive difference that they made of the vehicle which is illegal. 

# XXXX My legal name is incorrect. I have provided legal documentation of my name to these bureaus on more than one occasion and my name is STILL incorrect. Which is causing many errors in credit reporting. 

XXXX # I have a collection from XXXX XXXX XXXX that was paid to the original account holder. I paid my entire balance on autopay until I canceled the account in person at the California office. They must provide all original payment history to show that I did not. This account also has the wrong dates reported and was fully closed in XXXX XXXX after being paid in full. I did not have an account with XXXX in XXXX at any point in time.
Product: Student loan

Enterprise Recovery Systems called my employer asking for personal information. I am unaware of how they received my employer 's phone as well as where I am employed as I have not been employed there long. They had previously called my personal phone earlier that day and when I was unable to pick up they immediately began to call my work without me even hearing the voicemail from my personal phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, I recently reviewed my credit report and found an account that is inaccurate, and dont have a credit card for. I contacted the below creditors and they have NO proof I initiated such an account, nor written authorization and have failed to provide any permissible purpose. Since they do not have my authorization, written or verbal, I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following account I dont recognized : XXXX XXXX
Product: Credit card

I submitted a billing dispute for a charge on my statement that was not authorized. Billing dispute was closed and I was provided only a copy of an online receipt with the last XXXX digits of my card number. No other information was provided that supported the closure of the investigation or denial of my claim. I did not authorize this charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRUN DOWN BY Over 6 lenders, discrimination complaints against a federal government agency this was filed with the Federal Trade Commission and the Consumer Financial Protection Bureau. list of complaints never getting addressed. due to the lack of not getting Addressed, I collect countless documents and images and sent with complaint, sent letter to them send letter certified, they Received them and did nothing, to your office as well as the credit bureau. you office had over XXXX complaints not being address, the credit bureau reported debits valued when the reporting data is showing no payments every made, accounts were closed a-part of a XXXX home loan refi. checks was sent and data wasn't proved to them right. on XXXX and money was taken out off mine and my wife XXXX bank, after fight over 2 years with this matter your office failed to removed this wrong info, by blocking American XXXX act, and the fair debt collection practices act, i have sent-mail and emails to the following with no results, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, As you can see from the list provided I'm getting no were i asked your to call me when this happened in Utah and now its still going on i have ended up with a stress induce XXXX XXXX over this i ended up in small claim court were the dismissed after spending XXXX or more.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate credit reporting, erroneously reported information
Product: Checking or savings account

Filed fraud claim with chase bank for fraudulent charge. 
Frau claim was denied. customer support individual would only give minimal explanation as to why claim was denied. Customer support refused to allow to speak to manager.

Chase bank is attempting to deny a fraud claim and charge me for a transaction I never placed Attachment shows the email I received that made me aware of fraudulent charges, as shown in screenshot a different name ( other than mine ) was used to book a flight from a state I have never been to Chase claims I booked the flight and that my name was on the booking ( screenshot shows my name was not on the booking )
Product: Payday loan, title loan, or personal loan

I qualify for a unsecured personal line of credit and because of insufficient credit history they said that they denied me. I have 11 years of credit history and a qualifying credit score. I determined based off of the systems algorithm that they use that I was denied based off of race. Im a business owner and I make sufficient profits enough to pay back the line of credit monthly. I just wanted to establish more credit. I feel that this is unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX, this home was sold on XX/XX/XXXX. XXXX XXXX and Equifax are still reporting this closed account as being delinquent. The account was paid in full and fully satisfied on XX/XX/XXXX. Attached please find a copy of the XXXX settlement statement, Deed of Release, letter from XXXX XXXX and the credit report screen shot showing the issue. 
I am unable to obtain a mortgage due to this inaccurate reporting when XXXX Mortgage pulled my credit report Equifax was showing this incorrect information. I have contracted Equifax and XXXX XXXX myself and to date this issue is still not correct. I have filed prior disputes with Equifax and to date this issue has not been resolved. This is causing an undue hardship to my livelihood. 
The attached shows 90 days late and with last delinquent date XX/XX/XXXX. 
I would like all derogatory remarks removed from this account to show it was paid in full and closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone opened an account with XXXX XXXX  using my information I have disputed this with XXXX  XXXX, collection agency and TransUnion. 
I have demanded proof of the original contract proof of my driver 's license or other Identification used to verify my information.

No one is providing information to me I didn't open the account
Product: Vehicle loan or lease

I am writing account information to credit reporting companies. This erroneous reporting has significantly damaged my credit reports, as Kia Motor Finance falsely reported me as delinquent on my loan. 

Despite fulfilling my financial obligations and paying off my loan as agreed, Kia Motor Finance has erroneously reported my account as " charged off, '' tarnishing my credit history and causing significant distress and inconvenience. 

I entered into a loan agreement with Kia Motor Finance, and I am pleased to report that I fulfilled all payment obligations promptly. Furthermore, I fully paid off the loan before the agreed-upon term end date. However, despite meeting all contractual obligations and ensuring the loan was paid as agreed, Kia Motor Finance has erroneously reported my account as " charged off '' to credit reporting agencies. 

The false reporting of my account status as " charged off '' has affected my creditworthiness and financial well-being. This inaccurate information has hindered my obtaining favorable credit terms, secure housing, and access to other essential financial services. Despite my repeated attempts to rectify this matter with Kia Motor Finance, the false reporting persists, and the company has failed to take appropriate corrective actions. 


Despite my consistent and timely payments, Kia Motor Finance has consistently provided inaccurate information to credit reporting companies, tarnishing my creditworthiness and causing unwarranted financial stress and inconvenience. I understand that loan servicers must furnish complete and accurate information that affects a borrowers credit report, as mandated by federal laws such as the Fair Credit Reporting Act ( FCRA ). 

The inaccurate reporting by Kia Motor Finance has seriously affected my financial well-being, making it difficult to obtain favorable credit terms, secure housing, and access to other essential financial services. Despite my direct attempts to rectify this matter with Kia Motor Finance, the inaccurate reporting persists, and the company still needs to take appropriate corrective actions. 

I would like for the XXXX XXXX XXXX XXXX XXXX to investigate this matter thoroughly and take necessary actions to ensure that Kia Motor Finance meets all relevant consumer protection laws and regulations. I also request assistance in remedying the inaccurate information on my credit reports and restoring my creditworthiness.
Product: Payday loan, title loan, or personal loan

I used this company to buy new wheels and tires for my truck. On XX/XX/XXXX I agreed with https : //www.paytomorrow.com/ for total amount of {$1600.00} for over 24 months contract with 12 % interest rate. After paying first {$59.00} processing fee. First 12 months is {$130.00} and after next 12 months my payments will be {$99.00}. I signed my contract. I set up as automatic payments so on XX/XX/XXXX my first payment was taken out from my checking account. After paying 5 months straight payments I noticed on my monthly statement that my amount that I am paying off dramatically increased for the total of {$2700.00}. I contacted the company they told me that I have to first pay off lease amount for 12 months and the my next 12month I will be paying my original loan off. I did not agree with their decision its not fair and its a lie to the consumer face. Basically you paying off two loans. When I question the company they told me you signed everything your self and their is nothing they can do. As I remember there was no lease mentioned anywhere in my contract or even by there representative when I called to clarify loan terms with them before signing their loan agreement paperwork. So I am asking for your help to resolve this issue and bring justice to the hard working familys.
Product: Vehicle loan or lease

The total of {$18000.00} is a charge off. if this account was indeed charged off then why did I not receive a copy of a XXXX from the creditor they got a tax write off and I should not have this debt reported on my credit profile. Send me any forms or any documentation showing that you have the right to report this as a debt. If you can not do that please remove this account from my credit report immediately.
Product: Debt collection

I disputed with XXXX and it came back as verified. I asked the company to send me the agreement I signed stating that was my debt with their company. Also, I asked if they would send signedd paperwork stating I gave them permission to use my personal information from another company and report it on my credit file.
Product: Credit card or prepaid card

Reference Complaint # XXXX I checked to see if the payment in question had posted on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and it had NOT posted. 

Now, on XX/XX/XXXX the payment has posted and back-dated to XX/XX/XXXX. 

THAT'S NOT RIGHT!!!!!!! I made an online payment on XX/XX/XXXX to avoid late fees!!!!