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

HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX  WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

PLEASE SEE ATTACHED LETTERS.
Product: Vehicle loan or lease

I received a pay off quote on XX/XX/XXXX for my XXXX XXXX XXXX. I git approved for the XXXX payoff from my credit union. I.mailed the check off to them on Thursday XX/XX/XXXX. I called them all the following week and they kept saying they hadn't received the check. I finally demanded that someone reach out to the dept that the checks go to and pull my check and post it. They are trying to say I still owe money while they held the check up deliberately to get more interest in my opinion. The check is dated for XX/XX/XXXX, so the check is within the 10 day payoff quote. I need them to release my title and clear my loan
Product: Credit reporting or other personal consumer reports

XXXX, I formerly disputed the inaccurate information reported on my credit report under the fair credit reporting act ( FCRA ), specifically referencing 15 u.s.c 1681 2 A ( i ), 15 u.s.c.1681 E ( B ), and 15 u.s.c 1681 S ( 2 ). THESE CHARGE OFF Accounts 1 ) XXXX XXXX XXXX 2 ) XXXX 3 ) XXXX XXXX XXXX XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX 6 ) XXXX XXXX XXXX 7 ) XXXX XXXX  XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX 9 ) XXXX  XXXX 10 ) XXXX XXXX XXXX XXXX 11 ) XXXX 12 ) XXXX XXXX XXXX  XXXX XXXX These Debts is considered Charged -Off However, This is actually considered income because I should've received a 1099-C for them all in order to account for them as income. This is not a charge-off. I'm requesting that all 12 accounts is removed because it isn't debt this is considered Income and Income should not be reporting on my credit report.
Product: Vehicle loan or lease

XXXX XXXX and XXXX XXXX has placed a lien on my vehicle amounting to {$10000.00}. Initially, when I took my truck in for repairs, I was quoted a maximum cost of {$5000.00} by XXXX XXXX. However, upon completion of the repairs, I received an invoice for {$10000.00}, which I disputed due to the discrepancy between the quoted and billed amounts. Unfortunately, I did not receive any written documentation to support the initial quote, and I had placed my trust in the company. 
Prior to the accident, I only owed approximately {$4000.00} to XXXX XXXX XXXX. I have now received a Notice of Sale, and I am deeply concerned about the potential loss of my vehicle. I have made multiple requests to both XXXX XXXX XXXX XXXX and XXXXXXXX XXXX and XXXX XXXX to assist me in resolving this matter without incurring additional storage and late fees, but they have been unresponsive and unwilling to cooperate in halting the sale of my truck scheduled for XX/XX/year>. 
This situation has caused me significant stress and has adversely affected my health. I am committed to fulfilling my financial obligations and seek your assistance in this matter. 
Thank you for your attention to this urgent issue.
Product: Credit reporting or other personal consumer reports

I recently discovered multiple unauthorized accounts on my credit report, suggesting possible identity theft, as I never approved these accounts. I previously reported this issue and now formally request their immediate removal. These inaccuracies are causing significant distress, as they do not accurately reflect my credit history or financial responsibility. Resolving this matter has been difficult, and if it remains unaddressed, I am prepared to take legal action to protect my rights. These errors are severely affecting my ability to achieve important financial goals, such as purchasing a home and supporting my family. I urge you to address this issue without delay.
Product: Credit reporting or other personal consumer reports

I am victim of identity theft due to XXXX data breach and these accounts were opened fraudulently. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

XXXX XXXX XXXX  ticket from XXXX XXXX for XXXX season only. XXXX XXXX XXXX charged my Discover card for the 2024 season {$98.00}, the first of 4 installments on XX/XX/XXXX. When I tried to cancel subscription XXXX said it was on an automatic renewal and could not be cancelled even though the XXXX season had not started so I placed a dispute with Discover and since there were 3 more installment payments due, Discover put a " stop '' on all XXXX purchases so I wouldn't be billed for the remaining payments. 

On XX/XX/XXXX, XXXX XXXX XXXX charged the same Discover card again for another installment of {$98.00}. When I called Discover about this I was told that since XXXX could not get the payment to go through, XXXX used another merchant number so the charge would go through. 

I have sent Discover the documents they requested verifying that I cancelled my XXXX XXXX XXXX and XXXX XXXX  ticket subscription on XX/XX/XXXX. Discover made a decision not to accept the dispute from XX/XX/XXXX so they have charged me for the 2 payments of {$98.00} totally {$190.00}. 

I have since had to cancel my Discover card since that was the only way to prevent XXXX from making another charge of {$98.00}. 

I tried to remove my Discover card from my XXXX account but they won't allow you to do that unless you provide another credit card to your account.
Product: Credit reporting or other personal consumer reports

I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX XXXX XXXX XXXX Balance {$13000.00} Open Date XX/XX/XXXX XXXX XXXXXXXX XXXX  Balance {$910.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$4700.00} Open Date XX/XX/XXXX XXXX XXXX XXXX  Balance {$4100.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$1400.00} Open Date XX/XX/XXXX XXXX Balance {$580.00} Open Date XX/XX/XXXX XXXX XXXX Balance {$350.00} Open Date XX/XX/XXXX XXXXXXXX XXXX  Balance {$290.00} Open Date XX/XX/XXXX XXXX Balance {$28.00} Open Date XX/XX/XXXXXXXX XXXX Balance {$0.00} Open Date XX/XX/XXXX Inquiries XXXX Date XX/XX/XXXXXXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX  Date XX/XX/XXXXXXXX XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX XXXX  Date XX/XX/XXXXXXXX XXXX Date XX/XX/XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX with Account # XXXX is not my account I have informed the company of the identity theft situation and the account is still on my credit reports.
Product: Vehicle loan or lease

Made defer arrangements car payment with Ally Financial by phone. Their representative who acted on their behalf said eligible, sent paperwork, and I sent $ $ as told to make active defer as told. Case # XXXX. Two month defer beginning and including XX/XX/2018 if I sent in {$160.00} and I did and got confirm for that. Was told I have to pay more money to them XX/XX/XXXX for {$110.00}. Ally harassment of me non stop. Two sample days on phone harassment : XX/XX/2018 : XXXX XXXX., XXXX XXXX   ; XXXX XXXX  phone calls. XX/XX/XXXX : XXXX XXXX, XXXX XXXX  ; XXXX XXXX Harassment began day after they got my . Tried working with them calmly when they began harassment. Did not work. Advised them not to call any more. Did not work. Began yelling and cursing at them doesn't work. Put phone status on not accepting any calls. Now they are sending threatening letters and got my first one on XX/XX/XXXX in PO Box . It is dated in XX/XX/XXXX and telling me I have until XX/XX/XXXX or they will take action. They also charged my checking account after date of defer causing more fees to me. XXXX XXXX XXXX vehicle
Product: Credit reporting or other personal consumer reports

I have submitted two CFPB complaints, XXXX & XXXX - Equifax XXXX & XXXX XXXX and still to date I am yet to receive what was requested by law from these XXXX agencies. XXXX has complied. The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority. 

EQUIFAX AND XXXX are obligated by the FCRA to report accurate accounting. I have advised them of the accounts that resulted from fraud. By LAW, these companies had 4 days to remove the items, to date they are not removed. A FTC fraud report was filed along with CFPB and a statement from me the consumer. I am now requesting EQUIFAX AND XXXX to remove accounts immediately. I am not asking for an XXXX XXXX. SAID companies are liable under the SEC to follow certain rules. EQUIFAX Commission number XXXX, XXXX XXXX XXXX XXXX. I will be filing form XXXX treasury omb forms to audit consumers account. EQUIFAX AND XXXX are securitizing consumers data yet refuse to provide correct resolution per the LAW. Again, per, XXXX XXXX XXXX XXXX XXXX XXXX The Consumer Financial Protection Bureau ( CFPB ) has supervisory and examination authority over our business and has in the past, and may in the future, initiate enforcement actions with regard to our compliance with federal consumer financial laws. Actions by the CFPB or other regulators against us or our executives could result in increased operating costs, reputational harm, payment of damages and civil monetary penalties, injunctive relief and/or restitution, any of which could have a material adverse effect on our business, results of operations and financial condition. 

The CFPB is authorized to prevent unfair, deceptive or abusive acts or practices through its regulatory, supervisory and enforcement authority.
Product: Credit card or prepaid card

XXXX uses dishonest and misleading language to describe the status of payments made against outstanding balances on their in-store red card. I have experienced this problem on several occasions, most recently regarding a payment today, XX/XX/XXXX that, according to XXXX, posted to my red card, meaning that the money was taken from my registered checking account by XXXX and used to pay down my balance. When I verify this information online using the my red card service, the payment in question is listed as posted along with the transaction number. It is not listed as pending, and the amount of the payment has been deducted from my outstanding balance on the card. 

However, no money has been removed from the checking account that I registered at XXXX. This is the one and only method that I authorized XXXX to use to conduct this transaction.

As a consumer, I rely on accurate and timely information regarding my transactions. I do not appreciate XXXX representing a transaction being completed, which is what I can only reasonably assume they mean when they say, posted, when this is ostensibly untrue because no funds have been removed from my checking account. I dont understand what the issue is here because its a simple matter of changing their language to make it accurate instead of misleading. My guess is that they keep it this way so that people are more likely to XXXX up and overdraw on their checking account balances, like I have several times in the past because of this very issue. But, I cant be sure. Thank you for your consideration.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days.

To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX - XXXX XXXX, IN - XXXX XXXX - XXXX XXXX - XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed these fraudulent accounts and inquiries on my credit reports and I've disputed them several times with the companies and XXXX, XXXX and XXXX and they are still stating these are mine without properly verifying. Please remove the following fraudulent accounts and inquires immediately, thank you. 
Accounts Opened Amount XXXX XXXX XX/XX/XXXX {$2100.00} MACYS/DSNB XX/XX/XXXX {$890.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$120.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$760.00} Hard Inquiries XXXX XX/XX/XXXX XXXX DBA XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Several requests that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXX Balance : {$1000.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$310.00} XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

Hello, I have an auto loan with Bridgecrest for about {$13000.00}. 

Due to a combination of extreme circumstances, including my job requiring me to go into the backcountry off grid and my father passing away, I missed several of my monthly payments, to the point where I'm about {$2000.00} behind. 

Additionally, while inflation and the cost of living has drastically increased, my salary has remained the same. Given these higher expenses, the auto loan was harder and harder to afford. 

Still, I have saved about {$5000.00} and I am trying to pay Bridgecrest that amount, which is {$3000.00} MORE than what I owe. They are refusing to accept anything other than {$13000.00}. 

Bridgecrest said they " charged off '' the loan and that they want to repossess the vehicle. I asked them multiple times for a reinstatement quote and they refused. I asked them if I could pay {$5000.00} to them immediately, and they refused. If I lose my vehicle I will lose my job, i absolutely can not lose it. All I want to do is pay what I owe and they won't let me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the Creditor and Credit Bureau more than twice and no response and the issue is still unresolved. This is defamation of character. I would like proof of the original documentation with my signature to prove that this debt is my debt.
Product: Debt collection

I was told to submit a claim form last year which I did on XX/XX/XXXX. I waited and after several months I received a check on XX/XX/XXXX. Their letters claimed I would be receiving around {$210.00} when I finally received the check it was for {$170.00}. Where is the {$33.00}? I need assistance because I have a feeling I 'm going to get the run around with the company.
Product: Credit card

I received my statement from Discover Card in XX/XX/XXXX. I noticed a charge from XXXX that I didn't make. I don't shop at XXXXXXXX XXXX. I went online with Discover Card and disputed the charge. They said they would investigate. On XX/XX/XXXX their answer to my dispute came in the mail. They determined that I was liable for this unauthorized charge. On XX/XX/XXXX I mailed them a letter stating my disagreement with their decision I never got a response. I paid the {$250.00} to preserve my credit rating, stopped using the Discover Card and froze the account. I figured I had learned a lesson to not deal with Discover and was going to let it drop. But their lir on their commercials " YOU WILL NEVER BE RESPONSIBLE FOR UNAUTHORIZED PURCHASES '' was more than I could stomach there for I m filing this complaint. They should not be allowed to lie like that in their commercials. Thank You, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As I reviewed my recent report, I have found an erroneous unknown inquiry reporting on my Experian Credit Report. The payment history is incorrect. I was never late on this account. I've already sent a request to Experian to correct and update this matter but I am not sure if they have conducted a thorough investigation for this item : XXXX XXXX, XXXX XXXX Inquired on XX/XX/2020 XXXX
Product: Debt collection

Company alleged that I owed $ XXXX+ on a payday loan, despite the fact I have never received a payday loan. 
They were extremely aggressive and hostile on the phone and threatened to take legal action. 
They never disclosed the " mini-miranda '' or that this call was to collect a debt. 
They also called daily, sometimes multiple times, leaving messages each time they called. 
When I asked to receive debt verification, they claimed that they had already mailed documents previously, but I never received any such documents. They refused to send me any documentation or verification and only got more hostile on the phone. 
Most distressing was that they had personal information including name, address, bank information, and social security number. 
This was most definitely a debt collection scam.
Product: Credit reporting or other personal consumer reports

When My Sister Ran My Credit When I Was XXXX From Hospital On XXXX ; I Have An Account In Collections I Have No Knowledge Of.. 

I Am Not Liable To This Debt Nor Did I Have Or Signed A Contract With Progressive Insurance.. I Requested Original Contract But Was Informed And They Provided Nothing.. Nor Even A Response To My Request.. XXXX And XXXX XXXX Have XXXX Account On My Report
Product: Credit reporting or other personal consumer reports

Hello, after looking over my credit report I am upset. All these inquires where not permitted by me. Not only are they incorrect, by them reporting and being visable this is commiting aggravated identity theft. These are unathorized and were not verified by me. I have called the credit bureaus send over 13 letters. Please remove these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

American Express ( AMEX ) XXXX XXXX has placed a corporate business debt onto my personal credit report as of XX/XX/XXXX and my credit report has plummeted over XXXX points. In XXXX, AMEX closed my platinum, XXXX, and XXXX card after I paid off the previous two. Additionally that year, they stripped my online access to pay my XXXX card online. After several failed attempts over the phone of them walking me through a website that clearly did not allow me to pay my credit card bill they offered to enter me into a payment relief program that was automatically drafted from my accounts each month. 

I was aware that this was a scam used meaning they really wanted me to provide automatic payments via one of my checking accounts and not allow me to pay online as is my preference and how my business pays all of our bills. In the Spring of XXXX, my business hit another pitfall with clients terminating their contracts and leases early. Therefore, I was unable to make my obligation of paying my bills but explained to AMEX that if they allowed me online access that once money came in I could pay them, however they insisted that I give them an online account from which they could withdraw monies from. We were at a stand still. 

As of today, XX/XX/XXXX another AMEX employee just hung up on me after gaining all of my new information for work address, email, phone, personal address, SSN, and date of birth. He has yet to return my call to discuss removing this business information from my personal credit account and adding to my business account. He informed me because it was a small business account that they could do it, meaning place business debt onto my personal credit report. I explained that it is a violation of my personal credit as outlined by the consumer financial protection board and is considered incorrect, fraudulent accounting. That's when the phone hung up. I'm even unsure if my conversation was valid with an actual employee, when I was transferred 4 times within a 3 minute timeframe with AMEX. Likewise, upon my first two calls with reps at AMEX, no one could even find a debt because it is not in my name but established with my business. 

All of this could be resolved and the debt can be paid if AMEX would allow online payment of account, but somehow they believe removing access to systematic payments to be punishment for going through business slumps.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX  Date of Inquiry XX/XX/XXXX ; XXXX XXXX Date of Inquiry XX/XX/XXXX ; XXXX  Date of Inquiry XX/XX/XXXX ; and XXXX XXXX XXXX Balance : {$55000.00}.