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

I have prev talked to reps at equifax and sent letter disputing inquiries and they remain reporting them on my credit file they removed the accts due to the fact that they were not mine and the company like XXXX verified that but they left the inquiries attached to them the only inquiry i should have is XXXX from XXXX XXXX XXXX XXXX that XXXX is valid ... ... but the one from XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are not valid
Product: Credit reporting or other personal consumer reports

Inquiries from XXXX XXXX XXXX on my credit report I never applied for a car.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B mandates the removal of any erroneous accounts from my credit report. Could you review the documents? Some of the listed accounts contain inaccuracies in the reporting, including incorrect amounts and dates.
Product: Vehicle loan or lease

I visited a Toyota car dealership in XXXX XXXX, XXXX  called Toyota XXXX ( XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXXXXXX ) on XX/XX/2022 and saw a XXXX XXXX I've contacted them again in about XXXX days and they told me the car I saw was already sold. They told me that if I want the car I'd have to come and make a deposit so I get the car in the next shipment. 
So I've visited them again on XX/XX/2022 and paid a {$5000.00} deposit and signed couple of papers for the car. I've been told that the car would arrive XXXX XX/XX/XXXX ( " in XXXX  days max '' was the exact words by the salesman ) the latest. I've followed up with them almost everyday until XX/XX/XXXX, the same answer I get was " it should be on the truck arriving today ''.

One thing I forgot to mention was that the VIN number put on the initial contract is different than the actual VIN number of the car I was supposed to get. When I said that to the salesman he said " Oh we will have to redo some paperwork to fix it don't worry ''! So I was sold a car that didn't even exist! 
On XXXX  XX/XX/2022. I went to them and told them I don't want the car since they have been so irresponsible with the paperwork and the promised delivery time. They told me OK and they took my debit card ( the same card I paid the {$5000.00} with ) to accounting office and then gave it back to me and told me your refund should be issued in around XXXX  to XXXX business days. 
Now I'm writing this on XX/XX/2022, little over a month from the day I was told that the refund will be issued, and still I haven't received my refund. I've contacted them thousands time and I always get ditched. 
And to make things worse, I see a car loan with XXXX XXXXXXXX XXXX in my name for a car I didn't even purchase!
Product: Checking or savings account

I had the POA on my brother 's checking acct. at Wells Fargo Bank, and he passed away XX/XX/2022 and even though I had a living trust document, that left all my brother 's possessions to me, as the sole beneficiary, they would not let me have the money. It's only {$400.00}, but it's the principal of it. I went to the bank in XXXX, Ca. 3 times by appointment, I don't have the dates but they should. It was soon after his death in XXXX. I had to pay for his funeral and cleaning up his house out of my own pocket, and they were so rude at the bank.
Product: Credit card or prepaid card

BRCLYSBANKDE is reporting on my personal credit file. This account is not charged to me. My record shows that this account was Paid as agreed and Balance is 0. Please delete this account immediately. 

( BRCLYSBANKDE XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft there are fraud accounts and inquiries that are on my report I have reached out to Equifax and they are not helping I need help to clear these matters up please remove these items i reached out to Equifax several times informing them of these fraud items as well that XXXX does not work i paid Equifax for over a year to have a account that do not work each time I called in I was passed around and hung up on please help to remove these fraudulent items XXXX  XXXX Inquiry : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

Citizens Bank sent me a new debit card for my checking account indicating there was an issue with the card. They never identified the issue but I am assuming it was a security breach. I received the card and activated it but it did not work. I went to the branch in XXXX XXXX XXXX on XXXX XXXX to get this remedied. They claimed to have fixed the problem and I gave the card to my husband to leave town for XXXX  with my children. He got to XXXX and the card did not work. HE HAD NO ACCESS TO OUR MONEY. I called the XXXX number XXXX XXXX and spent 30 minutes on the phone and was told the issue was fixed. He again tried to use the card and it did not work. I called the XXXX number on XXXX XXXX and spent 1 hour on the phone to get the issue remedied and was again told they had fixed it. My husband tried the card again and the again the card did not work. I called the XXXX number again on XXXX XXXX and spent another hour on the phone and was told they were sending me a new card by overnight mail. At this point my husband had to borrow money from a friend because he could not access our account that had over {$40000.00} in it. It is now Tuesday, XXXX XXXX and the card has not arrived despite assurances that I would have the card by Friday XXXX XXXX. I am again speaking to Customer Service and they are telling me the card has not been SENT!!! I am incredulous and can not believe that I do not have the card. I am now being told that their own fraud department continues to stop the card from being sent to me. The card was placed on fraud hold 4 times last week despite my calling each time and giving them every bit of information asked for. They can not explain why there fraud keeps stopping the card. This is an absolute abomination. I still have no card and no assurance that I will get a card anytime soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, After disputing account XXXX XXXX  ACCT # XXXX multiple times I filed complaints with CFPB for the account with XXXX, and Experian. Complaints and complaint results are attached. Both claim to have verified and updated the account, however, the account as of my credit report on XXXX  still has inconsistent information with both bureaus which include, the monthly payment, balance, date last active. Clearly after many disputes and my last complaint the account still is not reporting accurately. This is gross negligence on behalf of the credit bureaus and a violation of my consumer right.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXXXX/XX/XXXX - Closed acct Never received a XXXX cancellation of debt form. FCRA XXXX XXXX 15 u.s. Code ss1692 ( a ) XXXX XXXX XXXX XXXXXXXX XXXX acct {$380.00} Never received a XXXX cancellation of debt form FCRA XXXX XXXX 15 u.s. code ss1692 ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX acct {$21000.00}. Never received a cancellation of debt form XXXX. 15 u.s code ss1681b ( a ) ( XXXX ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$990.00} Pursuant to the fair debt collection practices act 15 USC code1692. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1200.00} according to FCRA XXXX XXXX it is illegal to report anything on my credit report without my permission. Regulation F 12 CFR part 1006
Product: Debt collection

I have gotten 2-3 calls every day for the past year, at least. They come from different numbers every time, but they are always from Portfolio Recovery. They are extremely annoying and often push through my Do Not Disturb. I have told them to take me off their call list, but they just started to call more.
Product: Checking or savings account

On XX/XX/XXXXXXXX I went to Chase Bank in XXXX Indiana to obtain {$240.00} from my Business Account. The clerk & I had an argument & told me to get out of the branch. Next day,XXXX I went to a different Chase in XXXX XXXX Illinois to draw my {$240.00} from business account. Then, I tried to do bank transaction with my personal account, & I found out my account was not active. Branch manager called costumer service to find out & I was told that Chase Bank decided to closed my account & didnt want to do anymore business with me. I requested my for my funds but they said the bank will send me the funds in 7/10 business days. I called them again, I was told to go back any Chase bank & I will be a the branch manager discretion to give my funds {$5400.00} or not. Anyway I have told different versions by different employee but I never got my funds, a date, neither a reason why Chase close my account nor why I can draw my funds.
Product: Credit reporting or other personal consumer reports

After carefully checking my credit report, I have learned and been shocked that I have been a victim of identity theft, my personal information has been used to apply for a card. I found fraudulent inquiries on my credit report.Please dispute and remove listed fraudulent inquiries from my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

My credit agency XXXX reported that my credit score was dropping due to a past due amount that was reported to Stern Recovery Service on XXXX XXXX XXXX XXXX 's behalf. I then contacted XXXX XXXX XXXX XXXX XXXX XXXX where XXXX confirmed the bills were for a {$290.00} blood work performed with my annual physical ( covered by my XXXX  ) and another lab that was not performed so there should be no interpretation of it. XXXX referred me to XXXX XXXX billing where I spoke to XXXX who transferred me to interpretation billing, I was disconnected so I called back and spoke with XXXX again and XXXX who suggested to check XXXX to address billing concerns : my concern being reported to a credit bureau for a bill that should not exist, and I never received. Multiple times I have requested a statement from Stern Recovery Services and XXXX XXXX XXXX XXXX showing where this balance is coming from and have not received any response. Most recently I sent a certified letter to Stern Recovery Services requesting a Debt Validation letter. This was mailed on XX/XX/2022 USPS tracking shows the request was received on XX/XX/2022 at XXXX and was accepted by an individual at the office. I have still not received a response as of XX/XX/2022. 
TO RESOLVE THIS : I AM REQUESTING A LETTER TO SEND TO MY CREDIT BUREAU AND FOR STERN RECOVERY TO CONTACT THE COLLECTIONS AGENCIES THAT I HAVE BEEN FALSELY REPORTED TO.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act ; this creditor, XXXX XXXX XXXX along with Capital One has violated my rights under 15USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Debt collection

I contacted XXXX to discontinue internet service on XXXX/XXXX/16. I was told at that time I had a credit balance of just over {$77.00} and would receive a check in approximately 4-6 weeks. I turned in equipment to the XXXX XXXX office in XXXX TN on XXXX/XXXX/16. When I asked the lady who I turned the equipment in to if I had any outstanding balance, she said I had a {$77.00} credit and should receive a check in 4-6 weeks. I was shocked when I received a call from Afni Inc on XXXX/XXXX/16 saying they were trying to collect a debt from XXXX for {$32.00}. i have contacted XXXX twice already to get an explanation of why my account was 1 ) turned over to a collection agency when I had been told through two different XXXX resources that I had a credit balance ; 2 ) had an autopay on my account so that any outstanding balance due on my account should be charged to the credit card I had set up and had used for an extended period of time while I had service with XXXX. This is the second time I have had issue with XXXX either charging for services not received or turning a balance over to a collection agency when either no debt was owed or any balance due was misrepresented by XXXX representatives. Neither of the XXXX representatives have responded as to why my autopay method was not used if there truly was an outstanding balance after I was told by two resources of having a credit balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/1956 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX about these false negative accounts on my credit report last XX/XX/2022. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified.These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All UndeXXXX penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The XXXX Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. 
Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. 
This account is hurting my ability to obtain credit. It is my understanding that you will : -tinate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate : XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called XXXX XXXX and Equifax several times. Neither company respected the consumer laws when it comes to my privacy, reporting to me with having full disclosure now according to the FCRA under 15 USC 1681 ( a ) ( 4 ) infringed upon the right to consumer privacy. I never gave XXXX XXXX to report or house any information on me Equifax is violating my consumer rights by proper not investigating my consumer report correctly. stated in 15 USC 1681a-e The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
every consumer reporting agency shall upon request and subject to 1681 h ( a ) 1 of this title clearly and accurately disclose to the consumer. Both companies in several violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am a victim of identity theft. I was not aware of the following credit transactions on my credit report, nor did I provide consent for my personal and private information to be shared with any third party. The following information should be removed immediately. 

Names : XXXX XXXX XXXX, XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX Employers : XXXX Accounts : Inquiries : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/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 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 I have no knowledge of the above mentioned credit transactions between the listed companies/creditors and ANY third party. As I did NOT authorize these credit transactions and would like them to be deleted and blocked from my consumer/credit report immediately.
Product: Credit card or prepaid card

This charge was supposedly done on XX/XX/2018. However, I have had this issue way too many times with XXXX posting charges late, when I can no longer verify if they are legitimate charges or not. After dealing with this after receiving my XX/XX/18 bill, I ordered new cards from a new company and began using them XXXX XXXX. When the XX/XX/18 bill came, I called and verified that there were no pending transactions and that paying that bill in full would have it paid in full. Even though I was charged an {$87.00} " high risk transaction fee '' that was not supposed to be on my account. I closed my account on XX/XX/18 with the consumer advocacy department ( Ref : XXXX ). I have the confirmation of close email. The day after I closed it, it seems ANOTHER backdated transaction was put through with a transaction date of XX/XX/18 and posted on XX/XX/18 ) This is unacceptable. I no longer wish to do business with XXXX and will not deal with having backdated charges show up for the rest of the year. This needs to STOP. My account is closed, and no further transactions post to my account at all! I want to be DONE with this nightmare! I was told by the XXXX XXXX Department today ( XX/XX/18 ) that even though the account is closed, they will still post any backdated transactions - no matter how old - and bill me. They refused to even remove the backdated charge or the erroneous fee from last month. This is my second time writing with this complaint department about XXXX and their billing practices. I have disputed the charge formally, but doubt they will do anything about it.
Product: Credit reporting or other personal consumer reports

Ive noticed unrecognized hard inquiries on my credit report which are XXXX  XXXX on XX/XX/XXXX first access card XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some unauthorized inquiries on my report that I never benefitted from.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX/XXXX XXXX account for months. XXXX and XXXX have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXX. on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Mortgage

Bayview bought my mortgage from XXXX XXXX who probably bought it from XXXX  XXXX, FHA, to a HAAMP agreement XXXX, and XXXX XXXX XXXX ( undisclosed servicer after multiple emails requesting who they're servicing for, finally informed me that the owner is XXXX XXXX and this is within days of their 4th postponed sheriff  sale XX/XX/XXXX. Also informed by XXXX XXXX, in writing that, XXXX XXXX does not need to report to credit bureau. Bayview listed " closed/ transferred '' They refused to honor my HAAMP from Bayview , no record of payments, so many fees that were accessed after sale, XXXX has multiple different responses. XXXX XXXX said my taxes are {$1700.00} behind, requested my haamp agreement from Bayview ( even though they refused to honor it prior with a lady that tried to squeeze {$27000.00} to keep the haamp, 6 % interest, {$500.00} more a month, pay my own taxes. My house was sold, regardless under Bayview, according to XXXX XXXX at XXXX XXXX XXXX, and then it would be sold to them at XXXX XXXX who stated thet often the deed/ note. I received paperwork today from XXXX   attorney, XXXX XXXX, trying to make me sign papers to cover their lack of any credit, fraudulent reporting, and inflated fees with no explanation, after sale, but sheriff sale for {$1700.00}. Sheriff department told me XXXX XXXX told then to serve me at my old address from 11 years ago, an apartment, that A TENANT, not landlord stated I moved out 6 months ago. XXXX is trying to cover the lost deed on my property and deceitfully cover a swapping festival of selling the loan to same company, different departments, that even XXXX County Courthouse recorder of deeds was shocked. No liens. Taxes paid. Bayview is fraudulent. XXXX XXXX  is fraudulent. XXXX XXXX XXXX are documented lying on behalf of XXXX, XXXX ( XXXX immediately before ).