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

I am reaching out for assistance for removing of inquiries that were not authorized by me. I did not apply for credit nor give anyone permission to apply for credit using my personal information for XXXX, Experian and XXXX XXXX. I am requesting each of the credit reporting agencies remove the below inquires immediately from my credit reporting due to FCRA if information is inaccurately reporting it needs to be removed. I am not reaching out to each creditor because they are not reporting the information XXXX, Experian and XXXX XXXX is reporting the information and need to correct the information. 

Experian : XXXX  XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I experienced an unexpected temporary financial hardship and I contacted Beneficial to explore options. The representative that I spoke with suggested that she could offer a deferred payment plan. Notably, I fulfilled the requirements of the payment plan. However, upon a recent review of my credit report, I noticed that Beneficial reported my account delinquent during the deferred payment plan period ( XXXX and XXXX ). 

Though I appreciate the deferred payment plan, I am upset that Beneficial failed to disclose that they would report the account delinquent to the credit reporting agencies during this period. Indubitably, if I had known that the account would have been reported as delinquent to the credit reporting agencies - I would have borrowed the money from a friend or a family member.
Product: Debt collection

A Subsidiary to CL HOLDINGS LLC by the name of JXXXX XXXX XXXX , XXXX   has placed a debt on my credit report. This report is inaccurate and I have attempted to contact XXXX XXXX XXXX for debt verification as they have never contacted me. They have never responded with information regarding this debt and have yet to remove this from my report. The account looks to be tied with XXXX XXXX. However, I have not had an account with XXXX XXXX since XXXX ( which I had closed with a balance of {$0.00} ). The report states this account was opened XX/XX/XXXX. XXXX XXXX XXXX seems reluctant to remove frivolous, unsubstantiated claims of debt and is damaging my credit without cause.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice while several laws were being broken under FCRA by your company. This has caused me financial injury, defamation of character, unable to get a job with a newborn baby arriving soon, and the inability to apply for credit under my consent and authorization. This has hurt my ability to obtain credit. My family and I are suffering due to this. You are in direct violation of the FCRA if these unauthorized inconsistencies are not removed. This leaves me exposed to being a victim of fraud again. Your company is breaking the law! The dates on the accounts that need to be removed are reporting different dates, that is a huge FRCA violation. Thank you for understanding these violations and these inaccurate fraudulent accounts that do not belong to me.
Product: Credit reporting or other personal consumer reports

Im writing today to voice a concern about an issue which the credit bureau has not complied with. This account is in litigation. Under current codes i have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Bureau has yet to remove the item nor done any level of investigation to support their position. I need this account removed due to the rules of estoppel. 
XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I contacted US Bank 's subsidiary " Reliacard '' under the impression it issued debit cards according to US laws. I have not received a card in the mail as promised by representatives on XX/XX/XXXX that informed me my card would arrive XX/XX/XXXX, then again XX/XX/XXXX that it was just shipped that day. Since the subsidiary offers an expedited card with a hefty fee that is needed in this undercover recession, I noticed the company is using the approach of confusion to cause frustration into their compelling in need of the money for a card scheme. I live in the US and USPS run on normal schedule, I just don't U.S. Bank pretending to send something as they hold my money hostage.
Product: Vehicle loan or lease

I purchased a car from Carvana and gave yet to receive my car as promised on XX/XX/XXXX. Included in the attachment is an account of what happened. My delivery of my XXXX XXXX XXXX XXXX has continuously been pushed back and effected me a great deal. At this point apologies and excuses arent helping. Give me my car. Now I have loan payments coming up for a car I dont have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried NUMEROUS TIMES to get my PAYMENT HISTORY corrected with They continue to go in and make changes that make matters WORST! They are NOT being legal, honest or FAIR! 

I am asking that you hold them accountable and make them take those late payments OFF! I have NOT been late on my payments and their continual ERRORS and MISREPORTING make me further confirm that THIS INFORMATION IS NOT CORRECT! 

I WANT THESE PAYMENTS DELETED FROM MY ACCOUNT. I WANT THE ENTIRE ACCOUNTS DELETED AS THEY ARE NOT REPORTING CORRECTLY BY LAW AND THEY DO NOT REFLECT ME AND MY CREDIT HISTORY. 


I HAVE ATTACHED DOCUMENTATION THAT SUPPORTS THE ERRORS THAT ARE BEING MADE ON MY ACCOUNT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries by several companies I did not authorize. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX  ( XX/XX/XXXX ) XXXX line ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX  ( XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  ( XX/XX/XXXX )
Product: Credit card

Nothing happened but I am writing to shame Home Depot for sending out notices to card holders stating they will start charging a whopping 29.99 % interest beginning XX/XX/year>. Highway robbery and, of course, this will hurt the " little '' person who has home damage from tornadoes, hurricanes, storms, etc. Home Depot is just in time for the tornado season.

Shame! Shame! Shame! 
Regards
Product: Credit reporting or other personal consumer reports

tried to reach out to credit acceptance multiple times so that i could get the original contract that was signed for this auto loan, and they would not provide me with any info at all. they are trying to sue me for the payments, but they never reached out to me at all about the car. every time i call they give me the run around and no info about the loan at all.
Product: Checking or savings account

I opened a checking account with Bank of america in XX/XX/XXXX with direct deposit! Met requirements for new customer promotion I never received it! I XXXX XXXX XXXX XXXX around XXXX XXXXand didn't deposit for several months except for trying to Pay the service fees when i could to keep it open! Around about XX/XX/XXXX I went back to work bank of america said my account was closed so I opened another one and let them know about not getting the new customer bonus they said they would put the offer in for this account! After about a couple months I noticed on the app that the other account was still opened and they was charging me a service charge and it was in the negative! I had a meeting with them and didn't know how it happened but they resolved it and closed it! I mentioned the bonus again because I had already met the qualifications and they first said I wasn't eligible because I had opened two accounts but I explained that I wouldn't have opened another account if they wouldn't have told me the other was closed so they said I had met the qualifications! And I would get it in a few months! Now there back to saying I want get it because I opened up another account!
Product: Credit card

I signed up with XXXX XXXX/XXXX/XXXX. After getting XXXX three times in two months from this gym I complained to the manager and they canceled my account and credited me the amount that was charged to my account. Over the past four years I have canceled my credit card and have been issue new cards with new numbers at least 2 times maybe more. I do this whenever their was a major data breach with any of the companies I have done business with. I typically to not go through my credit card statement with a fine tooth comb, I glance through it, making sure nothing major is sticking out every month. After the XXXX XXXX ordeal I decided looked at this month statement a lot closer and noticed I 'm being charged {$65.00} per month from XXXX XXXX. I contacted the gym to inquire about the charges. They were shocked I have been charged and advised me to contact my credit card company. I contacted my credit card company and this is what I was told. Regardless the amount of time I have canceled my card in the past few years and had new numbered card sent in its replacement if their was a merchant who has been charging me every month they will continue to allow this charge as a service to me regardless of the canceled card. If I have ever done any business with any company in the past with any of my canceled cards they will allow the charges to go through. ARE YOU KIDDING ME? 
What is the point of canceling the card? 
I was advised I should hire someone to go through my credit card statement every month if I 'm worried about the charges. 
Year to date for XXXX I have spent $ XXXX so far on this card I average $ XXXX a year on this card and pay it off every month. For me to go through every charge every month will take hours and hours of my time. 
The whole reason of canceling a card is to stop unauthorized charges form continuing to happen. I asked them to provide me the contract by where I agreed to allow them to allow charges to my canceled card. They do not have this agreement. 
I requested the agreement by where this merchant was allowed to charge my current account? They do not have this either.
Product: Debt collection

NCB Management Services continues to report inaccurate unverified information about me to XXXX XXXX & XXXX. I wrote the company, they received my letter XX/XX/20, and replied with a letter dated XX/XX/20. The letter stated that they were unable to substantiate the allegations in my dispute. I requested that they send me the Original Documents or Contract with my Signature on it verifying {$3500.00} reported debt with them. No requested supporting documents were included nor was original document/contract/substantiation referenced in the letter dated XX/XX/20. NCB not only continues to report unverified information to the 3 Credit Bureaus but they also report monthly late payments. ( Please note that I made 4 disputes XX/XX/20, XX/XX/20, XX/XX/20, & XX/XX/20 with the 3 Credit Bureaus all resulting in Dispute resolved ; reported by grantor remarks, no changes made, no deletes/no removal, and no supporting documentation received )
Product: Credit reporting, credit repair services, or other personal consumer reports

Our loan was transferred to XXXX XXXX  XXXX in XXXX. Our payment amount was made in the correct amount of {$2700.00}. On time for months. Company has been reporting us late since they took it over in XXXX saying that we didnt pay enough money ( even though it was the exact amount on the statement ) so they didnt apply the amount until we payed our mortgage the next month and so on. Company will not fix it claiming our payment has always been {$290000.00}, even thought we have statements from them showing {$2700.00}.
Product: Credit reporting or other personal consumer reports

i looked over my report back in XXXX, and noticed some things are incomplete and not accurate. i sent a letter to XXXX on XXXX and asked them to investigate the completeness and accuracy of my report. i received the results and noticed they did not fix anything. they are breaking federal law According to 15 USC 1681e ( b ) it states this ( B ) accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer/individual about whom the report relates. 

According to 15 USC 1681i ( 5 ) it states this ( 5 ) treatment of inaccurate or unverifiable information ( a ) in general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information has been modified or deleted from the file of the consumer.

According to 15USC 1681s-2 it states this. ( A ) reporting information with actual knowledge of errors 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. 

This is unfair. If they are doing this to me imagine who else they are doing this too. 
Can you please fix this
Product: Mortgage

I am currently in foreclosure mediation. Please take the time to read my attached PDF file. THANK YOU!
Product: Credit reporting or other personal consumer reports

This is my numerous 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, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXXXXXX Balance : {$5800.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$140.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$460.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2800.00} XXXX XXXX XXXX XXXX : {$230.00} XXXX XXXX XXXX Balance : {$40.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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. 

1. XXXX  XXXX Account # XXXX 2. XXXX Account XXXX XXXX 3. US DEPT OF ED Account # XXXX 4. XXXX XXXX XXXX Account # XXXX 5. DEPT OF ED Account # XXXX
Product: Mortgage

I closed on my first house on XXXX XXXX of 2016 and my mortage company Ditech has not paid my property taxes for 2016. They have had the bill since XXXX of 2016 and I have been getting the run around over the phone with them. I am about to have a lein on my property
Product: Mortgage

My mortgage was bought out by JPMorgan Chase Bank, N.A.. My escrow account is incorrect. I was told XX/XX/24 it would be corrected by XX/XX/24. On XX/XX/24, I ws told it would be done that day. Today the supervisor, XXXX XXXX told me she didn't know when it would be done? I am overpaying about $ XXXX. There is about {$1500.00} overpayment in the account. They have all the necessary information to correct this.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts : TXXXX 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

Paramount Recovery Systems Collections account did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information to the credit bureaus they are in VIOLATION of my HIPAA rights. Paramount Recovery Systems Collections account is VIOLATING The HIPPA Acts of 1996 by providing and disclosing personal information to XXXX & XXXX. This is a violation of my consumer right to privacy by having Paramount Recovery System listed on my credit report. This is a violation of the law 15 USC 1681-Congressional finding and statement of purpose. Paramount Recovery Systems Collection, XXXX, and XXXX are violating my privacy and fairness by having these negative collection account on my credit report. I never gave authorization for it to be on my credit report. These companies are treating me unfairly and being impartial to me knowing they are in VIOLATION of the law but yet still having this negative account on my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

When contacted, they refused to take negative mark off debt even though it has been paid.
Product: Debt collection

XX/XX/XXXX : I rented a van through XXXX at the XXXX XXXX XXXX in XXXX, NC. I returned the van on the XXXX. ***There were no incidents or damage to the vehicle while in my possession. *** XX/XX/XXXX : I received a damage claim from Alternative Claims Management. They also called me, left me voicemails, and sent me an email with a request for my insurance information as they are processing a claim relating to my rental. 

I called the XXXX XXXX XXXX XXXX location only to be put on hold and then disconnected during the first three calls. On the fourth call, I actually had the opportunity to talk to an attendant, who after hearing my issue, put me on hold for 7 minutes only to disconnect me. I called back twice after that only to immediately get placed on hold and then disconnected. 

So, I drove down there to talk to someone in person. Waited in line for 30 minutes. Talked to XXXX behind the counter. I showed him my documents : the copy of the rental agreement and the letter from Alternative Claims Management, and my proof of trip coverage through another agency ( XXXX ). When I asked for an incident report he just gives me a blank stare. When I explain that they filed the damage claim through this site and that I'd like to see the claim, he said " we don't have that here. '' He asked if I took pictures of the van when I returned it. I did, but then deleted the video once I had the clean receipt. ( Now that it's been OVER 30 DAYS since I deleted the video, I can not retrieve it. ) He reviewed the Claim letter and said, " they're just asking for your insurance. '' I replied, " yeah, but whatever damage occurred didn't happen while I had the van. '' He handed me a customer service card and stonewalled me. 

I called the number, only to receive a voicemail prompt from XXXX XXXX XXXX and her voicemail box was FULL. Fortunately, she provided an email address within her message. 

XX/XX/XXXX : XXXX XXXX responded to my email inquiry and was at least able to inform me of the " body damage '' to the vehicle and provided some specifics there ; however, she couldn't be of further assistance because she doesn't handle claims. 

XX/XX/XXXX : I attempted to return XXXX 's call at Alternative Claims Management. Only that he wasn't available. The gentleman said that he's doing a damage claims investigation and wants my insurance information. He forwarded me to XXXX 's voicemail and I let him know that I was returning his call. 

I left requests for : the incident report ; time/date-stamped photos of the damage ; proof of repayment for damages ; repair cost ; and the vehicle utilization log from XXXX-present. 

XX/XX/XXXX : I opened a claim with the trip insurance company via XXXX - XXXX . They provided a claim number and said that they need the incident report and damage estimate. I emailed those requests to Alternative Claims Management on XX/XX/XXXX. 

On XX/XX/XXXX, I receive another claims notice with a damage estimate attached. I forwarded this to the trip insurance company XXXX . 

I will send a letter of dispute via certified mail on Monday, XX/XX/XXXX.