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

I have recently been trying to repair my credit situation. I have learned that the list of company or banks have put a hard inquiry on my credit. I know this inquiry to be false because the date and companies list below i have NO knowledge of applying or giving my consent to any of the below companies. I have been working in XXXX for the past few years and currently still here in XXXX. I 'm wanting to get these hard inquiries off my credit report. I have tried calling the companies with phone number listed. But I havent had much luck getting though by phone due to the remote area I 'm working in. 

please let me know if you can assist me with getting these item removed from my credit report. 


XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and S & Ls XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, IL XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX CXXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXXL XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX
Product: Debt collection

I did not open this account. I contacted bank of Missouri they were not able to provide information. I have attached my ftc identity heft report along with my identification 15 USC 1681 Section 604 " States rights to consumers privacy ' Reporting agencies can not furnish a account WITHOUT my WRITTEN consent!
Product: Debt collection

1 ) XX/XX/2021 -- Fraudulent Bill Received Attempting to Collect {$27000.00} 2 ) Debt Amount Not Owed Due to Fraudulent Billing by Creditor and Creditor 's Violations of the Texas Deceptive Trade -- Consumer Protection Act and the Texas Debt Collection Act. 
3 ) We filed CFPB COMPLAINT ID XXXX SUBMITTED ON XX/XX/2021. 
4 ) On XX/XX/2021 we received an ambiguously worded notice from CFPB informing us that it is unable to send the report to the creditor. 
5 ) We have informed the Creditor in writing that we dispute the full amount of the debt due to the Creditor 's billing fraud.

6 ) We have received numerous calls from ProCollect, a collection agency, which leaves unwanted messages.

7 ) The Creditor has ruined our credit for this debt not owed.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding the negligent noncompliance of XXXX XXXXEquifax XXXX with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under Section 1681o, which addresses civil liability for negligent failure to comply with the requirements of the Act.
Product: Debt collection

XXXX XXXX XXXX in XXXX ga coded XXXX XXXX incorrectly. 
XXXX Charge turned over to collections is {$150.00} This was a no charge XXXX XXXX that she coded wrong. This is preventative procedure for XXXX. 
XX/XX/ order date. She used order diag as XXXX. 
I have repeatedly called so many times to her to correct. She finally corrected it but I dont know how it needs to be submitted to credit unions to remove it. She informed me that the code was changed. I have filed disputes to all 3 Credit agencies. 

XXXX has deleted from my account but the other two have not. 

This has reduced my credit score and I can not get it corrected. 

I can send the report if you let me know how Drs phone number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter serves as a formal complaint that you are reporting inaccurate and incomplete formation on my credit report. The notation of the following late payment is inaccurate. Please investigate and verify that all data for this account is reporting accurately including every notation date and balance whether reported or not. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2021 I filed a dispute with Equifax about the unverified account.Account number XXXX of {$130.00}. In these months I have not received a notice in 45 days and show that My dispute is even being investigated. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company in over 2 months as of today. Thank you
Product: Credit reporting or other personal consumer reports

I noticed this unfamiliar accounXXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit file. It does not belong to me so I made phonecalls and wrote letters to the companies referenced on the account from Experian bureau 's information. All the company representatives I spoke to couldn't verify my association with the account by my name, date of birth or social security number. All agree the account couldn't be mine because it's unverifiable. I informed Experian bureau of my findings but they are still saying it's verified and won't remove it, even though the account is inaccurately and unverifiably reporting.
Product: Credit reporting or other personal consumer reports

Getting unauthorized hard credit inquiries deleted from my credit report is the goal of this complaint. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
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 or other personal consumer reports

Transunion is reporting fraudulent inquiries on my credit profile after I have asked them multiple times to remove them. They are being paid by companies that I never did business with to report false information on my credit profile causing great harm to my credit and making me look bad to creditors. I have never authorized these inquiries, and I demand that they be removed off of my credit profile. IN know that factual information can be reported on my credit profile and that any inaccurate information must be removed. These inquires has caused me to be denied credit and has caused great financial harm because I can not obtain credit and was denied several loans due to this inaccurate information, they refuse to remove off of my credit report. I am asking that the CFPB make this company abide by the FCRA rules and demand them to remove the inaccurate and false information on my credit report. inquires listed below do not belong to me I never gave them permission to obtain my credit profile or gain access to my social security number. If they aren't removed, I will be filling an IRS form 3949 reporting them for unreported income, false/altered documents/ unsubstantiated income, and KICKBACKS, since these companies are paying Transunion to do business with them. I'm also demanding that Transunion pay me {$1000.00} for violation for failure to properly investigate! I will also be filling a small claims lawsuit in court and willing to take the case all the way to federal court for defamation of character because it looks like Transunion is refusing to remove these fraudulent inquiries due to their business relation with these companies if they don't remove them I'll file attached paperwork!!
Product: Vehicle loan or lease

I want to file a complaint against Southeast Toyota Finance is an operating division of World Omni Financial Corp . 
Account number XXXX, southeast Toyota financial is charging me late fees, on XX/XX/XXXX XXXX when and reality I made two credit card payments on XX/XX/XXXX 
They did not post my payments on my account, both payments are posted to at principal and not to balance when I made does payments I clear said one goes to principal other to regular payment. 
But in my opinion it does matter is other way to rip off people like many other This malpractices business must be stopped by the government in charge since is not only me there are many people suffering this late fees charges and other abuses from this bank World Omni Financial Corp . 
Is impossible to reach customer service and resolve the problem with them no matter how much information or proofs of payments from the bank you give them, they only want to charge late fees as much a possible to as many people they can, We are tired of see these answering over and over the same thing without resolving anything. 
Today XX/XX/XXXX did another payment of {$250.00} that include late fees when last month I did two payments of {$210.00} Anyway, like always nothing will happen and the best way to go is to court.
Product: Credit card or prepaid card

While I was working at XXXX 's Restaurant, I was receiving my payments through a myWisely card. On the day of XX/XX/2022 and XX/XX/2022 money was taken from my account that I did not authorize. I use the myWisely app to verify the dates and according to the app the money from XX/XX/2022 was in the amount of {$620.00} and the location says XXXX  XXXX XXXX XXXX XXXX XXXX XXXX On XX/XX/2022 {$610.00} was taken out of my account. The location for this unauthorized transaction says XXXX  XXXX XXXX XXXX XXXX XXXX. In total, {$1200.00} were the unauthorized transactions for those two dates. I contacted myWisely through a phone call on XX/XX/2022 soon as I could to dispute these transactions. They told me I would be sent a letter through the mail and gave me a case number. On XX/XX/2022 they emailed me a message saying that the investigation was finalized and they determined there was no error. Nonetheless, I received the letter they told me they would send and filled out the statement of fraud and sent them an email with this letter filled out and signed on XX/XX/2022. After sending this letter I received no response. I know for a fact this was a fraud on my account so I kept pressing the myWisely company by calling them. After that first call on XX/XX/2022 and sending them an email on XX/XX/2022, I called them another 3 times between XXXX and XXXX. The first time they told me they would send another letter so that I could dispute the transaction. I never received a letter and after 2-3 weeks I called them again and they told me they would send another letter. Again, I waited another 2-3 weeks and did not receive a letter. The last time I called them was on XX/XX/2022 and they told me the same thing. They said I would receive a letter in the mail and as of the day that I am writing this complaint on XX/XX/2022 I still have not received a letter. At this point it feels like this company is just straight up lying to me so they do not have to give me my money back. It is absolutely unacceptable I have called 3 different times, they tell me they are going to send a letter so I can dispute the transaction and they never send me a letter. At this point, I have run out of patience and it is the reason why I am writing this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with 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. 

Account Name : XXXX XXXX XXXX, Account Number # XXXX, Account Name : XXXX  XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX Account Number # XXXX, Account Name : XXXX XXXX, Account Number # XXXX, Account Name : XXXX XXXX XXXX XXXX Account XXXX # XXXX Account Name : XXXXXXXX XXXX XXXX XXXX Account Number # XXXX and Account Name : XXXX  and Account Number # XXXX Has 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 a 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 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 reporting agency if the person knows or has reasonable cause to believe that the information inaccurate.
Product: Debt collection

This debt references an amount owed to XXXX that is completely false. Payments were made to XXXX prior to ending that relationship and starting service with another provider.
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to a program through my church buying your first home and the lady gave me a list of things I needed to work on and while she was going over my credit I saw some things on there that I dont know nothing about Im trying to see how I have student loans when I never graduated high school because I had to drop out and take care or my child and they are XXXX, XXXX XXXX, XXXX XXXX. I also saw several Inquiries on there that are not mine 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. I have reached out and filed a complaint with the FTC and contacted the police here. Im doing this on my own and need your help with this.
Product: Debt collection

Santander is reporting a {$9500.00} debt that was covered. This debt is Santander 's tactic to defraud the United States IRS. I had a previous auto contract with Santander. I was in a non fault accident and the at fault person 's insurance in addition to my gap insurance paid the remaining balance on my account. Santander accepted the at fault insurance payment and the gap insurance payment. I do not owe Santander any money. I have no contract with Santander anymore. I requested validation of debt. I NEVER received any type of correspondence to even validate the fraudulent amount of {$9500.00}. They have violated many FDCPA violations. Santander has use my personal information to receive a tax write off for a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

609. Disclosures to consumers [ 15 U.S.C. 1681g ] A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer. 

XXXX XXXX/XXXX XXXX  Auto Dealers, Used XX/XX/XXXX XXXX  XXXX XXXX   XXXX Credit Cards XX/XX/XXXX XXXX  XXXX/XXXX  XXXX XXXX Collections Attorney XX/XX/XXXX XXXX  XXXX XXXX XXXX Credit Cards XX/XX/XXXX XXXX  XXXX XXXX Auto Financing XX/XX/XXXX XXXX  XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX. 

UNKNOWN CREDITOR : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX  XXXX XXXX  Account # : XXXX Account Type : Collection Bureau Code : Individual I Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX. 
No. of Months ( terms ) : - - High Credit : {$110.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX UNKNOWN CREDITOR : XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX  XXXX  Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$100.00} No. of Months ( terms ) : - - High Credit : {$100.00} {$100.00} Credit Limit : - - Past Due : - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Placed for collection - Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - UNKNOWN CREDITOR : CBE GROUP CBE GROUP ( Original Creditor : XXXX XXXX   XXXX  ) XXXX XXXX XXXX Account # : XXXX Account Type : Collection Bureau Code : Individual Account Status : Derogatory Monthly Payment : - - - Date Opened : XX/XX/XXXX Balance : {$590.00} No. of Months ( terms ) : - - - High Credit : {$590.00} Credit Limit : - - - Past Due : - - - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Affected by natural disaster Affected by natural disaster. 
Affected by natural disaster Subject has not satisfied debt. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX Date of Last Payment : - - - Two-Year payment history
Product: Mortgage

I have had a 30 year home loan at 4.5 % with Mr. Cooper since XX/XX/XXXX. I make the payments on time and regularly add another {$500.00} to the loan to further reduce my loan balance. I applied in XXXX of XXXX to refinance my current loan with Mr. Cooper to a Conventional15 yr Fixed loan at 2.25 %. This loan modification will result in the same payment amount I have been making for all these years. No change in my payment amount. Although I have a solid credit history and have a long unflawed payment history with this company they continue to find an excuse to approve the refinance excusing themselves by claiming underwriter requirements and XXXX XXXX and XXXX XXXX guidelines. Since my initial refinance application I have submitted document after document to complete this refinance process. Each time I complete one request they come up with some additional piece of information to again delay or halt the loan refinance. This is now seeming more like harassments then reasonable and justified requests. They themselves admit that there is no doubt I can afford the payments for this refinancing option, however they refuse to approve the refinance option further using the excuse that they must insure there is no criminal activity associated with this loan such as money laundering. I am a retired XXXX XXXXXXXX from the XXXX XXXX XXXX. I also am retired from the XXXX and am XXXX XXXX XXXX. Again, I can afford the new loan and this makes no sense based on my history and my current financial situation. There needs to be oversight and accountability to this lenders unscrupulous practices.
Product: Credit reporting or other personal consumer reports

I understand the importance of removing any inaccurate accounts from my credit report as mandated by FCRA 605B. Could you please take a look at the documents? I've noticed several accounts listed that seem to be incorrect, and this is concerning for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wan na apply for the auto loan, the lender can pull XXXX  and XXXX  easily. But Equifax is not allow any lender to pull my credit. I called them every day more than one month to solve this error, but the problem is still exist. All lenders said when they tried to pull my credit, block was there. Equifax agents told me my credits there, no freeze ... no block ... on their end ... and I can request the paper document through mail, but the lender do not accept any documents I offered, they just want pull my credit report online on their system. Also, when I log in to my Equifax online account, it always shows error message, it shows " please call customer service center ... '' I called dozens of times, the agents can't do anything, but I can't do anything on my end. " FROZEN '' status is still there on my end what I can see.
Product: Checking or savings account

I WAS XXXX XX/XX/2015 ON A XXXX XXXX XXXX BY CENTRAL XXXX XXXX BECAUSE I WENT TO THEIR STATION ASKING FOR ASSISTANCE TO OBTAIN STATEMENTS. ACCOUNT WAS CLOSED XX/XX/2015. I DO NOT KNOW HOW MUCH WAS STOLEN BY SOMEONE USING THE SECOND DEBIT CARD. BUT THE BANK CAN TELL WHICH CARD WAS USED. THE PERSON WAS TAKING XXXX OR MORE PER DAY WHILE I ONLY TOOK LESS THEN XXXX AT ANY ONE TIME PLUS IT WAS ALWAYS AN ATM THAT WAS USED AND IN PLACES LIKE XXXX WHERE I HAVE NEVER BEEN TO. THE CHARGES WERE DISMISSED IN COURT AT A VERY HIGH COST TO ME. AND IT TOOK THE XXXX PD HELPING ME TO EVER EVEN GET THE STATEMENTS. ALSO WHY WOULD I BE XXXX IN XXXX XXXX WHEN MY STATEMENT ADDRESS WENT TO XXXX XXXX ADDRESS IN ANOTHER COUNTY IS BECAUSE A XXXX XXXX WAS ARRESTED IN IN THE CENTRAL XXXX JURISDICTIONAL AREA. I HAD TO BE TAKEN BY XXXX TO XXXX XXXX HOSPITAL FOR A XXXX XXXX AS I DID HAVE ANOTHER XXXX  XXXX. A MAN AROUND XXXX WHO WEARS GLASSES AT XXXX XXXX XXXX ASSISTED IN THE OBTAINING OF THE SECOND DEBIT CARD.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam : I have repeatedly reached out to the credit reporting agencies ( XXXX, Transunion and XXXX ) regarding credit inquiries on my reports that are without a permissible purpose. According to the FCRA, the aforementioned credit bureaus must remove such inquires immediately. 

Here are the queries in question, along with the bureaus reporting them : XXXX  : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  Transunion : XXXX ( shows up twice ), XXXX XXXX  and XXXX  XXXX XXXX  : XXXX, XXXX XXXX XXXX and XXXX XXXX I am requesting these inquires be deleted immediately.
Product: Credit reporting or other personal consumer reports

The FCRA requires that information reported to the credit bureaus must be accurate and up to date. XXXX is missing my positive payment history from two bureaus and needs to be updated immediately so that it is reflecting accurately. 

Acct # XXXX is missing my positive payment history from equifax and experian and needs to be added immediately This account should be reporting identical accross all 3 bureaus so that it is accurate and fair to follow the laws of the FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 I sent dispute letters to Transunion, XXXX, and XXXX. Disputing the accuracy of the inquiry. It has been over XXXX  days and I have received no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX, XXXX  XXXX, has violated my rights. 
XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions