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

There are XXXX fraudulent XXXX accounts being reported on my credit bureau reports. XXXX is a XXXX XXXX credit card ending in # XXXX and the other is a XXXX XXXX XXXX account ending in XXXX. I have sent several notices to all XXXX national credit bureau agencies Experian, XXXX and XXXX XXXX advising them that they are fraudulent accounts and have demanded validation from the creditors. Unfortunately, to no avail I have not received any information and they are both being reported as derogatory accounts. This is having an adverse effect on my credit rating. The accounts appear to have been opened by someone in my family and or household who has access to my personal information. This violates federal law under the FCRA and FDCPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX XXXX XXXX in XXXX and the school closed in XXXX, applied for a student loan forgiveness and I was told I cant get it
Product: Credit reporting, credit repair services, or other personal consumer reports

I loaned a car with Automotive credit two years ago i got into an accident XX/XX/2021 and therefore no longer had the car i spoke to a representative at the company and explained i no longer had the car and i provided my total loss paperwork to prove it. the agent told me i should be fine and i dont have to worry because i no longer had the car. my account with them is closed but is showing several months past due and the past due months were all the months i didnt have the car. and is tarnishing my credit by showing those past dues. i would like to have those past dues removed so i can go back to my previous credit. so i opened a dispute ive disputed this account 3 XXXX and have provided documents that i was never past due on this account but it hasnt made a change. someone please help me with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, California XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute the negative items listed on my credit report. Upon reviewing my credit report, I noticed two negative items that require immediate attention. 

Firstly, I found an inquiry by XXXX XXXX , XXXX on XX/XX/XXXX, which was not authorized by me. I have no recollection of authorizing this credit pull, and therefore, I demand that it be removed from my credit report immediately. 

Secondly, I noticed an account listed under the name of XXXXXXXX XXXX XXXX XXXX XXXX XXXX with an account number of XXXX. I do not recognize this account and kindly request that you investigate whether it belongs to me. If it does not belong to me, please delete it from my credit report. 

I understand the importance of maintaining a good credit score and I am taking the necessary steps to resolve these issues as soon as possible. I would appreciate your prompt attention to these matters and the removal of these negative items from my credit report. 

Thank you for your cooperation in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Regardless of multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The 3 Credit Bureau failed to comply with the Fair Credit Reporting Act, 15U.S. Code 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statues. Please remove the following accounts completely from my credit reports. 
XXXX XXXX XXXX  and XXXX XXXX XXXX.
Product: Checking or savings account

I opened a 4 month CD account with a deposit of {$8000.00} Wells Fargo on XX/XX/XXXX. 
4 months at a rate of 4.16 %. Maturity date was XX/XX/XXXX. 
4.16 % of {$8000.00} = {$330.00} WHICH I DID NOT RECIEVE. 
Wells Fargo deposited {$110.00}. 
I have made several calls and even went to the branch located at XXXX XXXX XXXX XXXX, XXXXXX/XX/XXXXThey filed a claim on XX/XX/XXXX over the phone at the branch and still no reply or response from anyone. 
Wells Fargo also renewed my CD account with out my consent or permission. 
I have until XX/XX/XXXX to decided if I wanted to renew it or not and I don't. 
I would like to file a suit and complaint.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. Pursuant to 18 USC 8. the list of account below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681b 2. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX 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.

15U.S.C 1681c. ( a ) ( 5 ) Section State : no consumer reporting agency may make any consumer report containing any of the following items of information anu 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 to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.XXXX, XXXX. 
Other reason Submitted XXXX/XXXX/XXXX  Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX/XXXX  Other reason Submitted XXXX XXXX XXXX Other reason Submitted XXXX  XXXX  XXXX  Other reason Submitted XXXX/XXXX  Other reason XXXX/XXXX  XXXX  Other reason
Product: Vehicle loan or lease

Due to lack of unemployment i lost my job couldnt keep continue making payments to the loan on the vechicle anymore I called to have the vechicle to be voluntarily repossed and the respresentative that work at westlake financial services stated that they didnt won't the car because it was a useless piece of XXXX because it is an XXXX  and they couldnt do anything with it and also stated that they werent picking up the vechicle! I CALLED THEM MULTIPLE TIMES ABOUT THIS REPOSSESSION AND THEY HAVE NOT REPOND TO PICKING UP THIS VEHICLE! This is absurd! I, in good faith called them to pick this vehicle up at XXXX XXXX XXXX XXXX, Tn XXXX. 

etc these are some of the recently dates i corresponded with them 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 - XXXXXXXX XXXX 12 POTENTIALLY NEGATIVE MONTHS Credit usage 99 % Balance {$6400.00} Balance updated XX/XX/XXXX Credit limit {$6500.00} Account info Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Revolving Payment summary XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX - - XXXX XXXX CO XXXX XXXX XXXX XXXX CO XXXX XXXX XXXX CO XXXX - - XXXX - - - XXXX - - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - - XXXX - XXXX - XXXX XXXX XXXX CO - - PAYMENT HISTORY LEGEND Status Charge-off Status updated XX/XX/XXXX Past due amount {$6400.00} Highest balance - Monthly payment - Additional info Responsibility Individual Account Terms - Company sold - Original creditor - Comments CHARGED OFF ACCOUNT ACCOUNT CLOSED BY CREDIT GRANTOR Your statement - Contact info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX PA XXXX Phone number ( XXXX ) XXXX THE DATE OPENED/DATE CLOSED/ LAST PAYMENT DATE IS INACCURATE ON THE CREDIT BUREAS.ALSO THE ACCOUNT NUMBER IS INCOMPLETE THIS IS GROUNDS FOR REMOVAL.DUE THAT FACT IS CLAIMED AS FRAUD FROM A FEDERALLY PROTECTED CONSUMER IT MUST BE REMOVED FROM CONSUMERS REPORT ACCORDING TO " FAIR CARES ACT '' ANYTHING A CONSUMER REPORTS AS FRAUD MUST BE REMOVED FROM THE CONSUMERS CONSUMERS REPORT WITH IN 4 BUSINESS DAYS OF FRAUD RECEIPT RESPONSE DISPUTE 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft. not later than 4 business days after the date of receipt. 
It has been 30 days and you are in VIOLATION of this law because I am a victim of identit theft!! Please delete these items as soon as possible! 
These accounts should not be furnished on my consumer report as they are in VIOLATION! 
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consume I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I have submitted valid complaints against Experian and now I can no longer get through to a representative to check the status of a previous dispute. When I call Experian at XXXX MY only menu option is for a copy of my credit report or about my credit freeze. When I call Experian from my daughter 's phone the menu options are extensive! 

Because of my limitations on the Experian menu I am unable to check the status of MY report. The same report that Experian allows Companies to say whatever they want about me and my credit. The companies can reach them but I can't. 

Experian needs to explain why the amount of a debt from XXXX XXXX is different from the other 2 bureaus and then, they need to remove this debt as it is fraudulent. I have provided Experian with the documents I have provided to XXXX XXXX  and it needs to be noted that I have NOT RECEIVED ANY documents from XXXX XXXX in reference to the debt they claim that I owe. 

This is turning into a legal matter.
Product: Credit reporting or other personal consumer reports

There are unauthorized hard inquires from XXXX. XXXX, XXXX XXXX, and XXXX XXXX. I did not apply for these credit cards, and called Transunion on XX/XX/XXXX to file a dispute, but they ignored my complaint and the hard inquiries remain.
Product: Mortgage

My property is a association maintained property which means they do all the maintenance such as cutting the grass and trimming of tress on a timely manner. This happens even when a property is for sale ( such as mine ). As confirmed by en email from the property XXXX there has been cases where a bank sends a company to cut the grass and trim the trees not realizing the property is a association maintained and the company charges the bank even though they dont do any thing ( my case ) I am demanding for Ocwen to refund me {$210.00} that they have charged me ( it is not my problem that the company XXXX is a dishonest company and charged them for the work never done ) .To cover themselves they even took some before and after pictures which is in black and white and you cant see any thing from them. That is not my issue and i need my refund as i paid a fee of {$97.00} a month to association for them to this work which has been done since i bought the property. i will hire an attorney to take legal action if they are not refunding my money now.i have send the email from the association manager with all above information to XXXX office of the consumer ombudsman as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed some discrepencies on my credit files and found out I was a victim of identity theft. I notified all 3 credit bureaus, the police, and the FTC, as well as, file numerous complaints via this forum and all I have not received any responses. I have not received any proof that these accounts are mine because they are not. The accounts and inquiries I have noticed and have been trying to remedy are below : XXXX XXXX XXXX XXXX OPENED XX/XX/XXXX Florida Dept of Revenue XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX Inquiries XXXX  XXXX Opened XX/XX/XXXX 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 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   XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX my vehicle was repossessed after being late 6-7 times in over 3 years. Payment was made on the loan in XX/XX/XXXX and the Lender was contacted to confirm the status of the loan. Per the Lender my vehicle was repossessed after 72 days of being late, although I had made payment on XX/XX/XXXX and arrangement to make additional payments to become current. 

Just prior to the issues I made contact with the Lender in XX/XX/XXXX and XX/XX/XXXX to discuss a temporary employment issue that I was experiencing and make payment. I advised that my financial issues were temporary and requested my loan be adjusted to allow me to catch up on the late payments. I was advised at that time I did not qualify. The Representative was also asked if I was in any danger of repossession and I was advised that I was not, however I was 53 days past due. 

On the date of repossession I placed a call to the Lender to discuss what had occurred and find out the amount needed to recover my vehicle and find out why my vehicle had been taken. The Representative asked a series of questions and when I was asked why I had been late 6-7 times. I advised her that work had become slow and a temporary lay-off, this caused me to be late. Additionally, I was asked to provide a reason about late payment dates over a year ago and when I advised her that I could not recall what occurred over a year ago, the Representative advised me that I did not qualify for recovery and needed to pay the entire loan balance in the amount of + $ 20k, because I could not answer her questions. When she was advised that I do not understand why they were demanding a full payment the Representative stated, " Well since you do not know why your were late and could not answer my questions, you will need to pay the full amount. '' The Representative refused to except my source of income information, indicating that there was nothing that could be done because I just did not qualify. 

When I asked to speak with a Supervisor I was advised that none were available and that someone would call me back. I never received a call back. I subsequently called back several times and was advised by various representatives that the determination had been made and I would not be able to recover the vehicle without full payment. 

As I further reviewed the account it was discovered that my principal balance never decreased and that the daily interest rate calculated when payments were late absorbed the payments made over the course of years. The principal balance decreased. The interest rates were predatory and the charges were not fully disclosed, without explanation from the Lender. The loan origination amount was {$20000.00} with the current balance at this time being {$20000.00}. This would appear that only {$220.00} applied to the purchase of the vehicle in 39 months.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX XXXXXXXX - XX/XX/XXXX - {$370.00} XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$340.00} INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Debt collection

Penn Credit Corp contacted me at my employer a few weeks back. This was after repeated phone calls on my cell phone previously. I told them they ca n't contact me at this number, as it 's a business line. My employer does n't allow phone calls not related to the business. On the XXXX/XXXX/XXXX they once again called me at my work. I once again informed them they ca n't use that number to contact because it 's not allowed and had to end the call before I got caught. Tonight, XXXX/XXXX/XXXX they once again called me at my employer around XXXX and I explained for a third time they ca n't call me at this number and how it 's not allowed. The woman tried telling me nobody contacted me before and nobody was told they ca n't use this number. I checked my XXXX XXXX report and they reported they had contact with me and lied saying resolved and that I disagree when we were never discussed anything besides the line they were calling me on is forbidden.
Product: Checking or savings account

Chime financial INC I have disputed charge on XX/XX/XXXX for merchandise I never received, also I contacted the merchant and no response and I disputed my charge with chime and explained that the merchant was unreachable and its been over XXXX  days and still resolution cause they tell me there waiting on the merchant to reach out yet I didnt or couldnt get temp credit cause they say that the charge does not qualify for it and I have disputed charges to chime multiple times that I didnt authorize and yet I lose every dispute and lost hundreds of dollars and its insane I feel like XXXX getting robbed of my money but major banks when there disputes I get temp credit and the issue is resolved in days or week
Product: Credit reporting, credit repair services, or other personal consumer reports

ChexSystems is inaccurately and negatively reporting old information in order to keep certain demographics in a constant negative status. ChexSystems is using racial discriminatory, redlining practices to falsely and negatively report based upon race in order to keep certain demographics in a constant negative status. ChexSystems is inconsistent with actual fair and equal reporting standards. 
ChexSystems must cease and desist negative reporting on my profile and report positive in order to be consistent with similar reports that reflect the same information.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX which claim I owe for a collection account XXXX XXXX XXXX XXXX, {$1200.00}, account XXXX. ) XXXX XXXXXXXX, {$1200.00} account XXXX. XXXX XXXX XXXXXXXX, {$2100.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and Fair Reporting Act, along with 12 CFR 1006.34 ( b ) ( 5 ) which explain that a collection agency can not place a collection on a consumer report without first providing validation. I must be given the chance to dispute according to 12 CFR 1006.34 ( c ) ( 4 ) ( 1 ). Also, a collection agency has no authority to furnish ant account to a consumer reporting agency without providing any and all disclosures required by lawand they are in clear violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-s2 ( 7 ) ( A ). Please also be aware that any negative marks found on my credit reports ( including XXXX, Trasunion and XXXX ) from your company or any company that you represent, for a debt that I owe, is a violation of the CFR, FCRA and FDCPA : therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Product: Debt or credit management

Nothing happened Im just trying to fix my credit there are a lot of things on my credit Im trying to get my score to XXXX I would like to buy a house and I do have two evictions that I want off my credit as well a lot of credit debt I would like to remove negative items
Product: Credit reporting or other personal consumer reports

This is a request for a reinvestigation to dispute the inaccurate reporting of the account referenced in the attached dispute letter. Upon reviewing my credit report, I found several discrepancies that violate the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and my rights under the Fair Debt Collection Practices Act ( FDCPA ). I demand the immediate deletion or correction of the erroneous information. Also without my written consent you are committing aggravated identity theft according to 15 U.S Code 1681 no permissible purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account for XXXX XXXX was closed XXXX of XXXX  an account was opened by XXXX XXXX, without notification, my signature, my knowledge or permission. 

Closing and account affects my credit score, along with opening another account. 

I had not used XXXXXXXX  one time since my original account, which was automatically closed after a year without use. I understand and am okay with that on my report. 
What I am not okay with is XXXX opening a brand new account on my credit when I had not once agreed to any of this, this is fraud, this is illegal in fact. They opened a brand new credit account without my knowledge and are affecting my financial situations. 
I received a letter from XXXX XXXX saying they reached an agreement with a new company and this is standard. This is not standard protocol to just open accounts under peoples social security numbers at will.
Product: Credit card

The BofA website is too complicated. Can not figure out how to setup automatic credit card payments or if I am enrolled in automatic payments for my credit card. I call BofA and was transferred to 4 different departments to get this information. I was finally email instructions that do not work.