23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I would like to dispute these inaccurate accounts on my credit report. 

XXXX : XXXX XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  Date of inquiry : XX/XX/year> TransUnion : XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/year>
Product: Debt collection

I never received as the summon declares the demand made for payment XXXX days prior to this summon. This is not the truth. I do n't know who Velocity Investment llc never heard of them. I had an auto account with XXXX XXXX XXXX. They claim I owe XXXX. I do n't owe this, amount this is not accurate. They are sending me to court and never contacted me before this time. XXXX sold them this account. I do n't want to communicate with Velocity or their representation lawyers either. I want XXXX to communicate with me about any debts that they feel I owe them. I sent a letter to Velocity and their lawyers to validate this debt they claim I owe. I do n't owe them anything. I never signed a contract with Velocity or their lawyers.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern regarding the late opening of accounts with your company. As a valued customer, I have always appreciated the quality of service and products provided by Credit Bureaus, but recent delays in account processing have been significantly inconvenient and frustrating. 

I submitted applications to open accounts with your company, providing all required documentation and fulfilling necessary formalities promptly. However, to my dismay, I have yet to receive confirmation of the account openings, despite the considerable time that has passed since my initial submission. 

These delays have not only disrupted my operations but have also caused financial implications for my business. I rely on timely access to accounts with your company to facilitate smooth transactions and maintain a healthy business relationship. The prolonged processing time is unacceptable and has tarnished my perception of your company 's reliability and efficiency. 

I urge you to address this matter with the utmost urgency and expedite the processing of my account openings. Prompt action to rectify this situation will demonstrate your commitment to customer satisfaction and help restore my confidence in your services. 

Please provide me with a concrete timeline for the completion of this process and any necessary steps I can take to expedite the resolution. Additionally, I would appreciate regular updates on the status of my account openings until they are finalized. 

Thank you for your attention to this matter. I trust that you will take the necessary steps to resolve this issue promptly and prevent similar occurrences in the future. I am asking for your assisstance to correct these fraud items in my credit file : XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$10000.00}.
Product: Vehicle loan or lease

I was denied credit for not having a strong enough credit score, but thats not true. The credit score reported was also incorrect.

Bank of America is the auto lender for millions of first time vehicle owners, many of them have no previous credit history. 

Also I have established credit - XXXX yrs XXXX mos is my average age if credit and my oldest account is XXXX XXXX XXXX with no late or missed payments. 

This would only be fair if 100 % of applicants were denied under the same circumstances, but because Bank of America does not accept my credit history - this is discriminatory.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and notice I had fraudulent accounts on my report. Please remove these accounts from my report they are hurting my ability to obtain credit.
Product: Money transfer, virtual currency, or money service

PNC changed thier policy and now I can not link my XXXX account.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a hard inquiry appeared on credit report. I contacted capital one, they claim no record exists for a hard inquiry. I have since frozen with XXXX bureaus. I feel it XXXX be fraud.
Product: Credit reporting or other personal consumer reports

I am reaching out to formally request the immediate blocking and deletion of the following accounts on my credit report due to a recent data breach that has exposed my personal information. In accordance with my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these accounts be removed to prevent any potential misuse and further harm. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

Bounce AI Inc reported to the credit services in XX/XX/2024 that I had an unpaid debt in collection for {$910.00} on a {$300.00} loan made to me from a company named XXXX XXXX XXXX XXXX XXXX. I contacted Bounce AI and XXXX  and XXXX XXXX XXXX and apparently someone made an online loan from XXXX XXXX XXXX for {$300.00} that they did not get any repayments for and turned over to Bounce AI Inc for collection after a couple of years of trying to collect. After trying to work with all three entities involved, I filed a complaint against XXXX XXXX XXXX ( complaint # XXXX ) and XXXX to get the negative comment removed from my credit report. All the detail of the history with them and Bounce AI up to the point of XXXX XXXX XXXX XXXX XXXX responding to the complaint and my acceptance of their resolution are in that complaint history. 
Their resolution was that XXXX XXXX XXXX XXXX XXXX investigated, could not determine how my information was obtained or used to obtain the loan but they " will be unwinding the transaction, instructing Bounce AI to remove the negative tradeline, as the original transaction is inconclusive fraudulent, '' Bounce AI then reported a change in the status of the debt from " in collection '' to " paid and closed '' instead of having it removed from my credit reports. It still is a negative comment on my credit and lowers my rating from Exceptional XXXX to XXXX at XXXX. 
I filed a 2nd dispute with XXXX  against Bounce AI on XX/XX/2024 after seeing what Bounce AI had reported. I received results of that this week and Bounce AI claims the information is correct and did not remove the negative item from my report. 
I did not make this loan. If they will follow the money, they will see that the {$300.00} did not go to me. I want this item removed from my credit report and there should be a penalty to Bounce AI for not following the information that XXXX XXXX XXXX said they would provide to Bounce AI to have the complaint against them resolved.
Product: Credit reporting or other personal consumer reports

I OBTAINED A CREDIT REPORT FROM EQUIFAX INFORMATION SERVICES LLC, REPORT # XXXX. AND I SEE A inquiry from XXXX XXXX ON XX/XX/year>, XX/XX/year>. I HAVE NEVER CONTRACTED WITH XXXX XXXX TO FURNISH ANY TYPE OF REPORT TO ANY COMPANIES.
Product: Credit reporting or other personal consumer reports

In 2013 I had to file a bankrupt XXXX  XXXX, I have only filed a single case, but on my credit report there are XXXX cases, one DISCHARGED and the other FILED Docket # XXXX = Discharged Docket # XXXX = Filed Explanation : the lawyer who handled my case mistakenly sent my case to the wrong court, which opened a Docket # XXXX, the court transferred the case to the correct court and closed this case, The correct Doccket is # XXXX My lawyer sent me a letter with proof that this file # XXXX is closed. 

Please request the 3 credit bureaus to update the correct information in my report Thank you so much
Product: Vehicle loan or lease

I went to XXXX XXXX XXXX in XXXX sc XXXX on XX/XX/XXXX. I went for an oil change but decided to trade in my car instead. I told the salespeople what I was looking for ( a bigger car and to lower my current loan ) I got both, but here 's the issue. During the sale, they kept showing me the price for the car, fees, etc. They never personally talked about or went into detail with the single paper of the final price ( including the APR ) the process at the end was being rushed. I ended up trading my XXXX XXXX XXXX XXXX XXXX XXXX XXXX miles for a XXXX XXXX with XXXX miles. I was expecting at least XXXX off my current loan. ( Oh and the salesperson XXXX guaranteed me at least XXXX for my car ) I got XXXX. His excuses was " I was thinking of a different model '' I went back before 24hrs looking to see if I could get a different vehicle, they told me they couldn't do anything because the paperwork was already filed with the bank. I called the bank and when I was asked to enter my ssn it wasn't on file. I understand I should of read my contract but I feel I was being misled through the whole process. I only got XXXX off my old loan with a vehicle with more than 2x more mileage!
Product: Payday loan, title loan, or personal loan

I borrowed money from this company but I can not afford to pay it back with the high fees. My checks were garnished from federal and state level and a levy is on my home. I have given everything out of my accounts and I have monthly payments garnished for the next few years and a levy on my home. Due to obligations with the government, I ask to pay pennies on the dollar for original amount borrowed. I really have nothing left.
Product: Debt collection

Reaching out to have this account ( XXXX XXXX ) removed as it has been paid in full. I have fulfilled my end of this account and it should not have gone to collection. Requesting this be deleted and removed immediately as it has caused major damage to my credit report. 

GENESIS CREDIT MANAGEMEN is the company that has the debt
Product: Credit reporting, credit repair services, or other personal consumer reports

Theyre different loans reporting on my credit. The loans say closed but the late payments still hurt my credit score I have already turned in police report XXXX still wont erase from credit report.
Product: Payday loan, title loan, or personal loan

My credit line amount is { {$1700.00} } in XX/XX/2023. 
My payment of {$110.00} has been paid paid semi-monthly since The fees and biking charges are { {$95.00} } each period. 
According to the Truth in Lending act there needs to be a break down on the statement of the amount of interest you are charging. I see in the farms and conditions I am signing say billing cycle charge can not be waived. Credit Fresh is in violation of the Truth in Lending act by not having a proper break down of the total number of payments. The withdraws dont even show a date on the statement, annuals percentage rate, and security interest disclosures. Credit fresh is using aggressive tactics and unfair loan termssuch as high interest rates and feesto take advantage of unsuspecting borrowers. Credit Fresh is going after the most vulnerable and least knowledgeable borrowers Regulation Z is a Federal Reserve Board rule that requires lenders to give you the true cost of credit in writing before you borrow. That includes spelling out the amount of money loaned, the interest rate, APR, finance charges, fees and length of loan terms. An unlawful loan may also be some form of credit or loan that disguises its true cost or fails to disclose relevant terms regarding the debt or information about the lender. This sort of loan is in violation of the Truth in Lending Act ( TILA ). 
My complaint is that it is taking advantage of me. Ive paid nearly {$1000.00} in biking cycle charges with only less than {$10.00} actually being applied to the principal balance. 
When asked for a revision to be made, they told me no, it is not possible. 
Credit Fresh not providing proper breakdown of payment schedule, interest rates and fees enticed and misled into me taking out a loan that carries higher fees than my risk profile warrants or that I are unlikely to be able to pay back and causing great emotional distress!!
Product: Credit reporting or other personal consumer reports

It was shocking and confusing to find inaccurate accounts on my credit report today, with absolutely no explanation for their appearance. I check my report regularly, and this is the first time Ive encountered these kinds of discrepancies. I refreshed the page, hoping it was just a browser error, but the incorrect information stayed there. Due to this situation, Im asking for a careful review of the documents Ive provided so I can move forward without having to deal with this kind of stress again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started a dispute with XXXX and Equifax. Equifax mailed a prove of identity, for th4 name XXXX XXXX XXXX. I am XXXX XXXX no middle initial, I don't have a XXXX for middle initial. I received dispute results from XXXX with information that I have no knowledge of, that does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In 2019 I was let go from my job while on maternity leave so there for bills got tight. I got in a program with chase which prevents my account from becoming delinquent. After advising of hardship I was put on payment plan and was told that my account would report past due. But after reviewing my credit report I discovered it was indeed reporting delinquent on my credit report for several months. 

I reached out to chase spoke to the credit reporting department and they acknowledged the issue that the representative set the payment plan due for a date after 30 days which it resulted in my account being reporting late every month which I was unaware of. 

This is an error by chase and not mines and should not was the consequences. These late payment hurts my credit score and chances of buying a home. I have showed exceptional payment through out my time with chase.
Product: Credit reporting or other personal consumer reports

Failure to investigate multiple times, failure to comply with FCPB results, failure to investigate at FCRA STANDARDS And knowingly reporting data that CFPB has found to be incorrect. Failure to assist with issue and failure to be in secure location when dispute was filed. Clearly at home with dogs barking so loud I couldnt hear. Stated CFPB follows different rules that Experian. Failure to look at datas submitted. Failure to resolve issues and attempting to get another 30 days following a failure to investigate at 15. This has been an on going issue for 14 months now. attached is CFPB REPORT that they ignored when submitted.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX account reported a late payment back on XXXX. This issue already got fixed by the store but only for XXXX. Please check your records and find this complaint in which you find an error and apologized for the late payment being reported. You stoped reporting this late payment only for XXXX but Equifax and XXXX still reporting it. Please update your UDF ( Universal Data Form )
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX : XXXX  wire transfer for {$10000.00} from USAA Annuities was sent to a Bank XXXX XXXX XXXX account but never received. 
XX/XX/XXXX : XXXX still not received, XXXX account statements faxed to USAA to prove there was no deposit. 
XX/XX/XXXX : USAA customer service requested a trace on the transaction. 
XX/XX/XXXX : Customer service calls to say that the transfer was returned and a check will be mailed to me. 
XX/XX/XXXX : Customer service states that the check was not mailed because they tried to re-wire the money and again it was returned. 
XX/XX/XXXX : Customer service stated that the check has not been mailed. We will escalate it. 
XX/XX/XXXX Customer service stated that check has not been mailed. We will escalate it. Give me your phone # and I'll call you when it's sent. 
XX/XX/XXXX : I have not received a check and it seems like they really don't care. 
Also : XXXX is not a secure web site. I could never safely log on
Product: Debt collection

Navient is calling anyone who is associated with me. They are giving personal information and information about the private student loan debt that a cosigner paid. A navient employee called an ex significant other of mine last week. He told him I owed a debt and was defaulted. He was asking XXXX for my personal information and telling him I would get sent to collections if he did not tell him my contact information. The private loan account is closed and charged off and has been since XXXX XXXX. My mother 's boyfriend XXXX also got a call about this same account and was told he needed to tell them my information or it was going to be very bad for me. This event happened last year in XX/XX/. Navient is breaking the fair practice laws, threatening people and making false claims while giving out my personal information.
Product: Debt collection

I was reviewing my credit file on XX/XX/year> when I came across a collection I have no knowledge of being reported by Radius Global Solutions. A debt collector can't report a debt to the three major credit reporting agencies, XXXX, XXXX, and XXXX, before first speaking to the consumer in person or by phone or mailing a letter or sending an electronic message, like an email, about the debt to the consumer and then waiting a " reasonable period of time '' ( at least 14 consecutive days ) to see if a notice of undeliverability comes back. ( 12 C.F.R. 1006.30 ( a ) ( 1 ) and Official Interpretation of 30 ( a ) ( 1 ) ). I never received the mini-Miranda disclosures ( 15 U.S.C. 1692e ( 11 ) ). I was never afforded my right to request verification or validity of this account. This account is not mine and had Radius Global Solutions conducted business according to the law, they would not be violating the law even further by inserting fraudulent information into my reports. Upon receipt of the information they claim is mine, I would have requested verification, and we would have concluded this indeed was not my collection account, thereby not negatively affecting my credit so unjustly. The account was reported XX/XX/year>. I have lived at the same place continuously for nearly a year and have had the same phone number for even longer but as I stated before, I had not heard anything about this debt until looking at my file this morning.I just purchased a truck and was wondering why my rates where so much higher than expected. A collection will do that you know.
Product: Credit reporting or other personal consumer reports

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

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

15 U.S. Code 1681a - Definitions ; rules of construction 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; The account is a direct breach of the FCRA PLEASE DELETE so we can avoid civil liability.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts below : 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

The United States bankruptcy court XXXX XXXX of Michigan states they do not report to credit reporting agencies. Nor do they update information directly to the Credit bureaus.I have supporting documents as well.
Product: Vehicle loan or lease

I was emailed by a address by XXXX that i was declined a loan due to certain reason. I have yet to ever apply for a loan and I believe it is a scam.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, and XXXX continue to report incorrect information on my consumer report that is causing confusion with my identity and mailing address. 

To put an end to the misconception my name is XXXX XXXX XXXX there should be no other spellings or variations of my name on my consumer report. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX there should be no other addresses listed on my report because these would be considered non mailing addresses and would cause a delay in me receiving my mail which is a federal crime. 

The credit bureaus are required to report 100 % accuracy are face penalties for each inaccuracy.
Product: Credit reporting or other personal consumer reports

Im reaching out for your help regarding the incorrect account listed on my credit report. This situation has damaged my reputation, and I urgently need your help. The way youve handled my credit report has left me struggling, as the inaccurate information has seriously XXXX  my reputation. Its crucial that these errors are corrected so I can move forward with my family.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX my PayPal , Inc. account was accessed through fraudulent means. At that time my PayPal account showed a balance of {$500.00}. The transaction details were as follows : Sent to an international account : {$500.00} {$3.00} ; XXXX XXXX Fee : {$4.00} {$37.00} XXXX Total : {$500.00} {$3700.00} XXXX I also filed a complaint with the XXXX Police Department for Fraud. 

At the same time this transaction occurred, the individual removed {$2800.00} from my debit card. I filed a complaint with XXXX XXXX XXXX Fraud Department. That is still ongoing pending investigation. This information is just being provided to support that someone other than myself completed the above transaction. As of XX/XX/XXXX, PayPal , Inc. filed a debt collection against me with XXXX XXXX XXXX XXXX for {$350.00}.
Product: Credit reporting or other personal consumer reports

Equifax continues to reportfraudulent inquiries on my credit file even after I sent them the FTC report. I even file a CFPB report XX/XX/XXXX, cfpb report number XXXX. I have already tried to have remove through Equifax website but they refuse to remove. 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

XXXX XXXX XXXX is reporting closed accounts as active with missed payments. The accounts attached to this complaint are not open. They are being reported on Equifax as though they were open.