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

I received a credit report notification from Experian. Upon downloading my report, I found a fraudulent personal loan on my account that was issued by XXXX XXXX for which I have no knowledge of. Upon calling XXXX and providing my name, they assured me that there is no personal loan under my name and that I should have Experian and XXXX contact them to remove the account from my credit report. I disputed this account with Experian and they said that this loan information came back as accurate with someone named XXXX XXXX ( under the impersonator address XXXX XXXX XXXX XXXX XXXX, CA XXXX ) opening a joint account at XXXX that has some association to my name I would like to file a police report of fraudulent activity and note that my identify may have been stolen and fraudulently used to issue a personal loan to someone who I do not know and have no association with
Product: Credit reporting or other personal consumer reports

After reviewing my credit report, I've discovered a couple of discrepancies in billing that need urgent attention. These inconsistencies highlight a significant failure in the creditor 's management of my account, for the accounts listed above. It's my right as a consumer to receive a credit report that is always XXXX accurate. I respectfully request that the mentioned accounts cease to negatively impact on my credit report or be promptly removed. Additionally, any remaining information lacking proper evidence or precise details should be promptly eliminated. Your prompt assistance and consideration in resolving this matter are sincerely appreciated.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-XXXX XXXXXXXX Account Number : XXXX Delete this account. 

4. there is some inaccurate information reporting. 
XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report. 

6. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX Date of inquiry : XX/XX/2022 Please remove it from my credit report.
Product: Money transfer, virtual currency, or money service

My PayPal account information was hacked after my XXXX account information was compromised. 

Within a few minutes, three large transactions were sent to an individual in XXXX, which drained my account. As soon as I saw the pending transactions, I tried to log in to PayPal to cancel/dispute the transactions. My password was locked. I had to reset password. Once I got in, there was already a pending dispute regarding one of the charges. I started a new dispute regarding the 2 others and referenced the pending dispute as well. 

Paypal stated that the transaction were authorized and closed the dispute without me having any option to escalate the dispute to a claim status. There is no option to appeal the closed dispute or to reopen a dispute regarding the transactions, once PayPal has closed the issue.
Product: Debt collection

ATG is reporting a debt under my SSN that does n't belong to me, they atempting to collect for XXXX XXXX XXXX XXXX
Product: Checking or savings account

PLEASE Reference complaint ID numbers : XXXX and XXXX FOR THIS INQUIRY Wellls Fargo sent a check to resolve complaint ID 'S above, This is unacceptable and I do not accept their resolution. Please see attachments! Check will not be cashed. 

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

The accounts below do not belong to me. They must be removed immediately. I asked the credit bureaus to furnish proof, provide my signature on any of these loans and they still have not. By continuing to report this they are arresting my ability to maintain employment and conduct commerce. I will file a lawsuit if they do not remove these items IMMEDIATELY! 
XXXX XXXX  XXXX XXXX XXXX - Balance : {$91.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$53000.00} Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$3600.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXXXX XXXX - Balance : {$1300.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX XXXX - Balance : {$1600.00} Date Opened : XX/XX/XXXX ; XXXX XXXX - Balance : {$100.00} Date Opened : XX/XX/XXXX ; XXXX XXXX XXXX - Balance : {$5000.00} Date Opened : XX/XX/XXXX ; XXXX - Balance : {$250.00} Date Opened : XX/XX/XXXX ; XXXX XXXXXXXX - Balance : {$1100.00} Date Opened : XX/XX/XXXX ; Chapter XXXX Bankruptcy - REMOVE IMMEDIATELY Date Opened : XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a house listed on XXXX @ XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ( XXXX XXXX XXXXXXXX ) that denotes the listing as follows : " Newly built for a qualified Veteran! Not for sale to general public. Must be owner occupied by a Veteran. Small home never lived in. Washer and dryer and storage shed will be installed, truly one of a kind!! 

Listing Provided by : XXXX XXXX XXXX XXXX XXXX '' We contacted our relator who contacted the listing agent. The listing agent provided information to call to query if eligible related to the listing above. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I called and spoke with this individual who simply identified herself as XXXX. She did not indicate she was from a mortgage lender. She accepted information on myself and my wife with what I thought was a screening related to the house ( Veteran information ). She NEVER explicitly advised this was to pull a credit inquiry. She NEVER contacted my wife directly to consent to this inquiry. I was NOT aware this was for a mortgage application or loan as she never identified herself as such. My wife called her directly later in the afternoon after receiving an email that her credit had been pulled. She answered the phone with " Hello '' to which my wife asked " Is this XXXX. '' Again, never identifying herself as a mortgage lender. Once my wife realized she pulled our credit, she queried the reason as we were under the impression she was screening for VETERAN eligibility related to the house itself. 

My wife called again later in the afternoon ( with myself present, on speakerphone, with XXXX XXXX ) after checking her credit report via creditkarma. My wife explicitly advised her credit was pulled with her date of birth and social security without consent. Same for me. There was no formal application with signature on either of our ends. My wife had never even spoken to her. My wife asked if there was a way for her to report the mistake to the credit union ( s ) directly to which she admits this was all just " confusion. '' She promised to shred our information and delete the 'application ' from her system. Again an application neither of us explicitly consented to for purposes of a mortgage lender/financing.

PLEASE ADVISE. We attempted contact with credit union ( s ) directly but was advised we needed to submit report to either the police or FTC. The FTC website brought me to this website once choices were narrowed down per the issue. 

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

On XX/XX/2018 I received an email alert from Experian notifying me my credit was ran, " Alert : Change to your credit file detected. '' Upon further research my report indicates " XXXX Card '' was able to view my credit file. 
1. I did not authorize this inquiry 2. I have a credit freeze in place with Experian Due to my concerned of fraud and identity fraud, that I have had a credit freeze on my account for many years. This is troubling, as I expect a credit freeze would prevent the release of my credit information. 



Thank you
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which are appearing to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise you will be in violation of the Fair Credit Reporting Act XXXX XXXX XXXX  Balance Owed : {$340000.00} XXXXXXXX XXXX XXXX Balance Owed : {$9800.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXXXXXX XXXX XXXXXXXX Balance Owed : {$1200.00} XXXX XXXXXXXX Balance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$190000.00} XXXX XXXX XXXX Balance Owed : {$340000.00} XXXX XXXX XXXX Balance Owed : {$9700.00} XXXX XXXXXXXXBalance Owed : {$10000.00} XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$2700.00}.
Product: Vehicle loan or lease

A loan for a lease buyout was approved, and check was mailed to the lease holder ( XXXX ). Problem is that the check was mailed to the wrong address. Now XXXX claims they never received payment so I am essentially 2 or 3 days away from defaulting on the lease buyout. I have tried to connect with Bank of America for more than a week and either they don't pick up the phone or they do not replied to at least XXXX emails I have sent the loan XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX XXXX and/or her XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I have escalated the situation within XXXX and was told a solution should be provided within 24-48 hours but that time has already elapsed without any updates.
Product: Credit card

I had purchased flight tickets on XXXX. They charged me for return tickets but issued only 1 way ticket. When I contacted the XXXX, they said they'll refund the balance. After waiting for a month and not receiving my refund I raised a claim with my credit card company. They closed the claim in 60 days without asking for information. When I enquired why the claim was closed, they offered to reopen the claim. After multiple attempts at contacting and resolving the claim the credit card company finally said they've closed the claim and timeframe to reopen the claim has passed.
Product: Credit card or prepaid card

On XX/XX/22, I filed four disputes with PayPal credit. 
Because four transactions were made without my permission as my XXXX account were hacked. 
2 cases were closed in my favor Case ID # XXXX and case ID # XXXX and it mentioned that Walmart issued a refund For those 2 cases of total amount of {$690.00} Till now PayPal credit is delaying and denying that and they still asking me for that balance. 
I escalated the dispute of the 2 other cases that were closed against my favor Case ID # XXXX and Case ID # XXXX In the total amount of {$450.00} All XXXX transactions were fraud!! 
And the reason that made the 2 first cases closed in my favor must be the same reason For all other transactions. It is fraud! 
PayPal credit keeps denying the claim and they ask me for the whole 4 transactions amount!! 
I am attaching the 2 dispute cases results that were closed in my favor I printed them out from my PayPal account and PayPal did not refund me till now
Product: Credit reporting

They said I lied on a job application saying no to being a XXXX and I got denied work. I did get charges but I have not pled guilty to them and I am not a XXXX yet. My attorney has already got all charges dropped but XXXX and I 'm still going through the process of getting the last XXXX dropped. The hireright company that claims that I am a XXXX also sent documents that there was no court sentence. If I was XXXX there would have already been a court sentence.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX has violated my privacy rights by reporting information on a closed account. 

15 U.S.C 1681 section 602a States that I have a right to privacy. 

This account has been paid and closed. 

XXXX has removed this item and I would prefer Experian and XXXX to do the same.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. Shows incorrect balance and the account shows incorrect late payments. Acct. Was granted for Financial Forbearance was granted 3-Times. By Santander Consumer USA. Financial Forbearance was granted for 3-Months Santander Consumer USA, It's Written in the Lease, No Late Payments and No Missed Payments will Not be Reported to the. credit bureaus, Santander Consumer USA, Reported to all three credit bureaus as 7-9, Late Payments. 
According to the Lease Agreement. When A Financial Forbearance is Granted, All Payments will be Added to Loan and must be paid at the back End of the Loan. 
Santander Consumer USA Also recently added {$750.00} In Collections Added to the Account. 
This is Incorrect info to the car loan. 
{$750.00} is from a old collections XXXX. 
XXXX XXXX XXXX XXXX XXXX. 
On XX/XX/2020 XXXX. Bal = {$12000.00} Loan Amy. = {$12000.00} Collection XXXX.Added = {$13000.00} Incorrect Collection Account was added in the amount of {$750.00} This should be Removed. 
This Information was reported by ; XXXX Request Corrections to be made with XXXX.
Product: Consumer Loan

On XX/XX/XXXX, I went to XXXX, located at XXXX XXXX XXXX, XXXX, NJ, and purchased a XX/XX/XXXX XXXX XXXX. On this day I gave XXXX XXXX " XXXX '' XXXX a personal check in the amount of {$2300.00}. On XX/XX/XXXX, I was contacted by XXXX XXXX XXXX XXXX and was advised that I had to return to the dealership and resign the documents, which I did. I noticed that the documents ( Bill of Sale ) I signed were under the name of XXXX Auto Sales. XXXX XXXX stated he and XXXX XXXX were partners and that as soon as they receive payment of the remainder of the money, I should get my permanent plates and registration and that the original title would be forwarded to the lien holder or given to me, depending on how payment is made. On XX/XX/XXXX, I went back to the dealership and gave XXXX XXXX and XXXX XXXX a cashier 's check in the amount of {$23000.00}. On this date I was advised that I should receive all documentations and permanent plates within two to three weeks. This was not the case. I called and texted XXXX XXXX and XXXX XXXX, on many occasions and requested the documentation and plates or my money back, plus interest, to no avail. 
On XX/XX/XXXX, I made a complaint with the New Jersey Department of Motor Vehicle, Investigations Department, which is being investigated by Investigator XXXX. On XX/XX/XXXX, I went to the XXXX Police Department to file criminal charges against the Dealerships ( XXXX and XXXX Auto Sales ), XXXX XXXX and XXXX XXXX. On or about XXXX, I met with Detective XXXX of the XXXX Police Department and filed a Theft by Deception charge against XXXX XXXX " XXXX '' XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX Auto Sales ). 
On Saturday, XX/XX/XXXX, my vehicle was repossessed by Ally Bank, who is the previous owner lienholder. 
On Monday, XX/XX/XXXX, I called Ally Bank and spoke with XXXX. I provided her with copy of the Bill of Sale and the checks. I received a return call from XXXX XXXX ( sp ) and was advised that they could not release the vehicle as they ( Ally Bank ) have not been paid. She also advised that the vehicle will be put to auction within 15 days from the repossession date. I tried working with Ally Bank to see if I can get the vehicle back as I need to get back and forth to work. She 's stated that she was sorry, but to there 's not much she could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with the credit bureau for a collections account with XXXX XXXX XXXX. I provided proof to them that I filed a complaint against XXXX XXXX XXXX with the CFPB and they agreed to stop collection on the debt and remove if from my report. After sending this information they updated the account as a paid collection instead of removing it which is inaccurate. This account should be completely removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 and XX/XX/2024, I sent letters regarding reported accounts without my consent. It violated my rights as a consumer. It affects my score and my credibility as a consumer.
Product: Debt collection

A Company called Apex Asset management is on my credit report trying to collect a debt of {$12.00}. I never heard of this company or do n't know what this is for or from. This is not me or my debt.
Product: Mortgage

I am currently working through the process of getting my home out of foreclosure. I am working with a Housing Counselor that is helping me mediate a loan modification with my mortgage company, Flagstar Bank. I was instructed to begin dialogue with XXXX point of contact person at Flagstar Bank. A letter was sent to me XX/XX/XXXX, notifying me whom my contact person would be, XXXX XXXX. Since that time, over three months now, I have been unable to reach XXXX XXXX. I am often directed to an automated message or an associate who is unfamiliar with my loan circumstances. I have been given incorrect information from other agents, and even reprimanded for requesting to speak to XXXX singular point of contact.
Product: Vehicle loan or lease

I have a car through XXXX XXXX XXXX I was making payments every 2 weeks like I was suppose maybe 3 times out of the 2 years I had had it never was a problem some new company comes in calls claiming to be XXXX XXXX XXXX I make payment over the phone like I usually  do some times check my account for my card it says XXXX XXXX so  I called them up asking who they were they told me XXXX XXXX XXXX went out of business that i needed to start paying them I said to them muy loan was not through them so let me see if I can get advice from a legal person only because I was making payments but nothing was never getting reported so I go to DMV to see if I have a hold(lien) on the car  the print me out a paper saying it's still in me and XXXX XXXX XXXX name so now I'm asking question they won't or can't answer no I'm like stuck because I'm making payments every 2 weeks or just putting the whole amount down in 1 payment for the month but it's
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022  
XXXX XXXX XXXX XXXX
unauthorized inquiryXX/XX/2022
XXXX XXXX XXXX  unauthorized inquiryXX/XX/2022
XX/XX/XXXXunauthorized inquiry
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted when my social security card getting stolen and I saw a list of derogatory items that are not mine including many inquiries. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. I have never given authorization to open any of these unknown suspicious accounts. 

XXXX XXXX {$46000.00} XXXX  XXXX XXXX   XXXX {$58.00} XXXX  XXXX {$2600.00} XXXX  XXXX {$1200.00} DEPTEDXXXX   XXXX XXXX {$1300.00} DEPTEDXXXX   XXXX {$3500.00} XXXX XXXX XXXX XXXX {$2600.00} DEPEDXXXX XXXX {$1000.00} XXXX  XXXX  XXXX {$1100.00} XXXX/XXXX   XXXX {$170.00} DEPTEDXXXX XXXX {$0.00} DPT ED/XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX, Experian, and XXXX for failing to correct inaccuracies on my credit report, despite my multiple disputes. 

The issues include : 1. Incorrect account dates ( opening and closing dates ).

2. Inaccurate balances that do not match actual amounts.

3. False late payment history that is not reflective of my account activity.

These failures violate the Fair Credit Reporting Act ( FCRA ) : Section 607 ( b ) : Credit bureaus are required to ensure the maximum possible accuracy of the information they report.

Section 611 ( a ) : Bureaus must properly reinvestigate disputes and remove or correct unverifiable information.

Section 623 ( a ) ( 3 ) : Furnishers of information must report accurate data to the bureaus.