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

I am requesting to you that I want you to help me eliminate the inaccurate items on my credit file. The particular item 's position that are recently filed on this credit document has a seriously unfavorable impact on my capacity to attain a guarantee on the latest request on my credit report, be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedback about this concern. The following items should be removed quickly : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX  XXXX XXXX Balance : {$260.00} ; XXXX  XXXX XXXX Balance : {$1300.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXXXXXX, XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX, TN XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX TN XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX 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 XX/XX/XXXX ; XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX, XXXX ; XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXXL XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

REMOVE HARD INQUIRY with a Company that does not have any account with me. 
They can not remove this from my credit report because they don't show any account on there records. I did not allowed this company to pull my credit report. When I tried to call this number they ask for an account and gave my social security number NO RECORDS FOUND. 
I am asking Transunion, ( XXXX XXXX FILE : XX/XX/XXXX Confirmation # XXXX ) to stop reporting this information on my credit file since it in inaccurate. 
XXXX XXXX File XXXX : XXXX Date Created : XX/XX/XXXX Transunion and XXXX is XXXX this inaccurate information to remain on my credit report investigate, remove and delete. 
XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, XX/XX/XXXX Location XXXX XXXX XXXX XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX Inquiry Type Individual
Product: Credit reporting or other personal consumer reports

The existence of these unauthorized accounts and inquiries has caused me significant XXXX  regarding my financial well-being. It is essential that my credit report accurately reflects my financial history, as it informs potential lenders of my financial management practices. Therefore, I am requesting an immediate investigation and prompt removal of the following inaccuracies and unauthorized accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I applied a credit card from capital one after activation I use it a couple time. Then the day after I tried pumping gas it got declined, didn't know what happened I got no notification at all even with all alerts on in the account to text/email. I called in to find out what wrong they said my account is restricted, I needed to submit some documentation for additional verification and they going to send me an email with a link to do so. I waited 2 days for the email and didn't receive any. So I called in again to ask they said the same thing will send me the email, I even confirm my email with them. It been couple days now I still didn't get any email or text from them for me to resolve the issue, just like how they but a restriction on my account without any notice at a time that i only have that credit card on me to pay gas, i had to call on around to find help. The only text alert I got is the balance which I use before the account being restricted.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

An account showed up on my cbrs that does not belong to me. I've never done business with either company listed.
Product: Credit reporting

there was someone trying to open an account in my name from target corporation, which resulted in a inquiry from XXXX placed on my credit report. The company XXXX sent the information over asking Equifax to remove the inquiry. I am even the information over by certified mail, but Euifax refused to removed the inquiry. Equifax violated the fair reporting act.
Product: Vehicle loan or lease

XXXX 's XXXX XXXX, which is now XXXX, will not work with me in completing this lease agreement. Considering I have not had this vehicle in my possession the last few years .... 
I was the cosigner for a girlfriend who I am no longer with. This was her vehicle. She left the XXXX XXXX XXXX abandoned. She contacted me to get the vehicle. Knowing that I'm on the lease also knowing this could affect my credit, I stepped forward and tried to make multiple attempts with the company to resolve this matter. I continually get pushed around in different directions. They keep asking me to go in to redo the lease ( for purchase ) which makes no sense I feel that this lease is fraudulent due to different amounts shown, amounts not adding up correctly. Please help me. I feel that I am being ripped off by this company. THANK YOU FOR TAKING THE TIME TO LOOK INTO THIS. 

Date of purchase : XXXX XXXX XXXX XX/XX/XXXX Amount total of vehicle : {$15000.00} Hidden fees total : {$9200.00} Total amount I owe for this vehicle : {$24000.00} New Copy of paperwork recieved XX/XX/XXXX showing an amount of : {$25000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

hello i have a couple things i want wiped off of my credit because i am not resposible for opening these accounts. There is a autoloan and credit card with navy federal XXXX XXXXXXXX XXXX. There is also a personal loan with XXXX XXXX. that took place in XX/XX/XXXX. XXXX there is an overdue XXXX account with alot of late payments that i had nothing to do with from XXXXXXXX XXXX  that i need off. It was opened XX/XX/XXXX. There is also a dent buyer account that is {$500.00} past due on my experian report, from XXXX XXXX XXXX ( XXXXXXXX XXXX ). I would like all of these that arent mine wiped off, and any other accounts that i didnt list to stay on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I borrowed {$12000.00} USD from a loan provider by the name of XXXX XXXX while attending XXXX XXXX XXXX. That loan was in deferment and during the COVID 19 pandemic, the loan provider claimed that I'm a delinquent. This goes against former president Donald Trump 's executive order to place all student loans on temporary hold. They've ruined my credit. I no longer owe them money either. This must come off my credit report because it's unethical of them to go against the president 's order and we were in the middle of a pandemic. I can not resolve the issue via the credit reporting bureau.
Product: Credit card

I had a credit card with USAA then they cancelled it. Acct no.XXXX was wondering what happened. Then I recieved a letter from Office of Personnel Management that my Identity had been breached, I have tried to contact them directly and through the Credit Bureau, But they say I owe some XXXX .... This is redicoulous
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the XXXX Credit Bureaus to update these erroneous items. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

I have tried to have Equifax remove XXXX off my report since last year, the account was fraud and it is still showing open with no info since last year. I got in touch with XXXX age they informed me to dispute the account on my credit report and I did as told. on there end and they are no longer reporting anything about the account due to it was fraudulently opened. I have disputed this account numerous times with Equifax and they keep coming back saying the account is being verified. At this point I feel like they are not doing there job due to how can an account come back verified when I have Informed them that it was fraud multiple times. the account was closed and nothing has been reported on the account since 2019. I need this account removed ASAP Account to be removed off my credit report. Due to the account was opened fraudulently.
Product: Credit reporting or other personal consumer reports

I am writing to file a complaint regarding Volkswagen Credit and the third-party debt collector handling my account from XXXX to XX/XX/year>. 

During this period, I requested forms and letters related to my account, including notices of sale or auction, which I never received. This lack of communication denied me the opportunity to return the vehicle or address the debt appropriately. 

Additionally, I did not receive the required IRS Form 1099-C, as stipulated under Section 6050P of the Internal Revenue Code ( 26 U.S.C. 6050P ). This form should be issued when a debt is discharged or closed out, as it may need to be reported to the IRS as potential income. The absence of this documentation leaves me unable to properly address the tax implications of this matter. Lastly I had gap insurance that goes toward the loss of vehicle that was added to my initial contract. The balance does not reflect I request an investigation into these practices and a resolution. I need this account removed. 

Thank you for your attention to this matter.
Product: Vehicle loan or lease

The company was notified on, XX/XX/2023, XX/XX/2023 and XX/XX/2023 XXXX certified and registered mail. regarding notice to provide all documentary evidence from the public and private side from the XXXX per the XXXX accounting principles generally accepted in the XXXX. XXXX has no knowledge of nor has XXXX  ever revealed or disclosed to XXXX never intended to agree to or consented to any trust relationship or creation of trust between XXXX and XXXX. XXXX XXXX is participating in deceptive contracts that DO NOT comply with TILA, BILL OF RIGHTS, BILL OF EXCHANGE ACT OF 1882, 12 USC 5531 ( D ), 15 USC 1962E FALSE OR MISLEADING REPRESENTATIONS, 12 USC 1431, 12 USC1435. According to the regulations set forth by the Federal Communications Commission ( FCC ), I am entitled to request and receive a physical, signed copy of the contract in question.

In accordance with FCC regulations, the specific code or provision that grants me this right is outlined in Title 47 of the Code of Federal Regulations ( CFR ). While I do not have the exact code at hand, it is my understanding that the FCC ensures consumers have access to signed copies of contracts, especially those related to telecommunications and related services. 

This is a breach of contract and an adverse action for exercising my rights. 

Consumers also have rights under the Fair Debt Collection Practices Act ( FDCPA ), a separate federal law that regulates the practices of debt collectors. Under the FDCPA, if you request validation of a debt within 30 days of receiving the initial communication from a debt collector, the collector must provide you with certain information, including a written verification of the debt, if requested. However, this does not necessarily require the collector to provide the original signed contract or " wet documents. ''
Product: Credit card or prepaid card

Wells Fargo charged a late fee on my credit card on the date the payment was due. I saw the additional {$25.00} on my balance and there was no activity whatsoever. Not one person I spoke with could tell me what the {$25.00} additional balance due was. I closed my account due to the extreme hassle of having to do business with Wells Fargo. I found out a week later that the charge was actually a late fee, posted on XX/XX/2018. My minimum payment was due on XX/XX/2018. I was online to make the payment when I saw the additional balance ( I had not used the card in over a month ) and tried to find out what it was. See attached copy of my XX/XX/XXXX statement which shows my payment due on the XXXX of each month and the late fee posted on XX/XX/2018.
Product: Checking or savings account

On XXXX I noticed of several fraudulent transactions to my Cash.app account I called them immediately and requested the transaction cancelled or reversed because of fraud and blocked my account from all card transactions All of them where reversed outside of a XXXX transaction with XXXX XXXX XXXX 

I requested the documents used to make the decision and they sent me a transcript of the transaction claiming my claim is denied because I made the transaction. 

This is not correct. I did not do this transaction I have called every week for two months letting them know that my card was stolen and I did not authorize this transaction There was no signature requested by merchant or pin capture.
Product: Debt collection

I am XXXX years old living alone on social security. I learned Judgment XXXX issued against me. I tired to make payments but unable to pay rent, buy food or cover my XXXX XXXX XXXX, medicine and had to stop. These high payments toward the Judgment made it impossible for me to pay for medication that is over {$1000.00} per pill. 

Without correcting the reporting of this Judgment the sale of my deceased brother 's estate is prevented. That property ; XXXX XXXX XXXX XXXX NJ. fell into disrepair and is in bank Short Sale. 

It must close Title so the outstanding mortgage debt will be discharged. If not - it goes to Sheriff 's Sale. Its mortgage debt will liquidate the value of my deceased brother 's home at XXXX XXXX XXXX. XXXX, NJ and there will be nothing left to help settle the judgment since this property has equity and I have nothing. 

I tried to ask New Century Financial Services to help correct the report but they do not answer my requests. I contacted their law firm XXXX and XXXX but found my letters were never answered since they closed business. The Estate 's real estate broker discovered the name of their new firm but they have not answered. 

A credit disaster can be stopped if they release only XXXX XXXX XXXX from the Judgment so its not sold at Sheriff Sale. Sheriff Sale takes away all the remaining estate 's value in XXXX XXXX XXXX. XXXX NJ. Judgment XXXX needs to be specifically placed against it alone. 

Credit reporting has to show its released from XXXX XXXX XXXX XXXX NJ and specifically..record Judgement XXXX on XXXX XXXX XXXX. XXXX NJ. 

My brother XXXX XXXX. I am the only heir and struggling to complete a short sale to avoid a deficiency judgment against what is left in the Estate. 

The only thing of value I have is what will come from the sale of XXXX XXXX XXXX. XXXX NJ. I won't be able to make any payments on the XXXX if the short sale fails and a deficiency judgment is placed on XXXX XXXX XXXX. XXXX the remaining value of that property will be lost. 

I want to settle what is owed on the judgement but without New Century Financial Services cooperation in updating the  reporting with a specific property lien, I have no prospect of having any money in the future to make a settlement of payments of the judgment.
Product: Credit card or prepaid card

This account was opened after the company originally closed my original account after investigating that a representative did inform me it would not be closed. Now, with this account I went over the credit limit in XX/XX/2018, I called to rectify the situation and asked why there was a hold on my account that representative informed me it's nothing to worry about. I inquired if my account was closed he stated NO. That same week my account was closed. I filed a XXXX   complaint and the rude rep. stated it was my fault and nothing can be done. I fell behind on payments due to being treated rudely and being provided false information. I was offered a lower payment online and accepted, yet it somehow did not go through. I called the company in XXXX, XXXX, XXXX and XXXX. Each time got conflicting information. I made a payment in XXXX and I asked the rep. if it would be shown as a payment for that month and they stated YES. Well, it was not. The company stated it wasn't the minimum due, I filed another XXXX complaint asking a supervisor to pull all calls and provide me a transcript. That was denied. One rep called me and when I called back never returned my call. I was told first and foremost my account would NOT be closed yet it was. I made a payment to defer a charge off and was assured by the rep. though it isnt the full minimum they work for what fits my budget. Yet, it's being spinned in a whole other direction. They violate fair business practices and need to do a full investigation on my account which will show dates I logged in to set up payments.
Product: Debt collection

XXXX XXXX hasnt followed federal evidence procedure XXXX in producing original wet signature on original debt instrument that contracts alleged debt. Furthermore with a cease and desist from both me and said entity this debt must be removed from my credit as it pertains to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX XXXX  ). Any communication about a debt direct or indirect made to a CRA about a disputed debt that hasnt been validated is in direct violation of FDCPA.
Product: Credit reporting or other personal consumer reports

I am writing to request the removal of a CHARGE-OFF showing on my personal EXPERIAN credit report from XXXX  for {$42000.00}, the late payments was made on a business account not personal account, that should not be co mingled or mixed together. 15 6802 which states that personal information can not be shared legally with a third party. The information being shared is business information, not personal information. The two should not be linked 15 USC 1681. 15 USC 6802 and 6803 commerce and trade and is titled obligations with respect to disclosers of personal information it stated that denial institutions are not allowed to disclose non public personal information to non affiliated third parties without providing consumers without a notice that complies USC 6803 of the title. The notice must also explain how consumers can exercise their non disclosure options.

This account was NEVER a personal account but a Business account and should ONLY be reported to my Business credit report. I never gave permission for my personal information to be shared with any other agency. This is inaccurate AND UNFAIR credit reporting and should be removed immediately.
Product: Credit reporting or other personal consumer reports

I noticed that there were some inconsistencies on my credit report. This is damaging my credit score and needs to be looked at immediately. See items listed below. 

Account - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX phone # XXXX. 
Account number XXXX They are reporting 3 different current balances that are all different, as well as 3 Original balances that are total different, the opened dates are different, the last reported are all different, last payments are not the same or accurate. Charge offs should not have past due balances because they are late by default and all XXXX have past due balances. As well as each one of reporting that I owe a different past due amount. XXXX has 24 late payments attached to this account when there should be no late payments on charge accounts. This has impacted on other credit decisions I have applied for and have been denied. And continues to impact me negatively especially since I have not only the charge off but also each late payment that gets reported. This isn't just a reporting one error on their part this is numerous errors. This is inaccurate reporting therefore please remove this account from my credit report or update it to paid as agreed due to my FCRA right. I have been affected for a long time already due to this account. The law states that only accurate information is reported and published for consumers to see. Nothing that is reported from this company is accurate and they have violated my rights. Please send verification this account has been removed. Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

Fourth response to remove unauthorize inquries off my credit file. " Dear Sir or Madam : As they refered to me as a Ms or Mr .. I am a man and was born a man and i find that an insult from the burea indicaticting that. 
Federal law prohibits you from inquiring about my credit history without a ) being an existing creditor with a lawful interest, and B ) without my written authorization otherwise. You inquired on the following dates : XX/XX/XXXX, XXXX, XXXX, as evidenced by a copy of my credit report, a copy of which is attached here to for your reference. Its shows XXXX inquries on my credit report and some is duplicate. 

I have pursued an amicable resolution of this issue on several occasions, yet the problem remains. Within ten ( 10 ) calendar days from receipt of this letter, provide me with a photocopied authorization form, bearing my signature, which authroized your inquiry into my credit file. 

If I do not receive same on or by the aforesaid time, I will commence legal action against you. A copy of the suit, completed but not yet filed, is attached hereto for your reference. I reserve the right to amend such action, at any time and without further notice to you, to include damages not limited to defamation of character and humiliation. ''