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

I am beyond frustrated because I found unauthorized inquiries on my credit report this morning with no explanation. I tried refreshing my browser, thinking it was a glitch, but the issue persisted. I need this corrected immediately, and I ask that my documents be reviewed thoroughly to resolve this once and for all.
Product: Checking or savings account

We went on the Wells Fargo Website and transferred money on XX/XX/2020 from XXXX, the money was taken from our XXXX XXXX XXXX XXXX account, however, it has not been deposited into the bank account. Wells Fargo has the funds and should be required to deposit those funds within a very short time frame. They should not be able to use money that is not theirs while assessing overdraft fees.
Product: Credit reporting or other personal consumer reports

I sent a letter regarding inaccurate and unknown things on my credit report. To this day over XXXX days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX i was contacted by XXXX  XXXX XXXX inquiring if i had opened an online bank account. I stated no. I was told an account had been fraudulently i opened using my information. I was also told a solicitation check bearing my information sent to my address by a company named MARINER FINANCE was deposited in this fraudulent account via an ATM Machine, hence creating some type of loan in my name. I subsequently was told by my UNITED STATES POST office that all our boxes had been shut down in the neighborhood due to mail theft, vandalism, stolen mail ongoing. I immediately located this MARINER FINANCE company branch and notified them of the IDENTITY THEFT & FRAUD. I obtained a copy of the fraudulent check from them. I then notified XXXX XXXX of fraud and filed IDENTITY THEFT WITH THE FEDERAL TRADE COMMISSION, POSTAL INSPECTOR & POLICE DEPARTMENT. I also froze all of my credit reports and placed fraud alerts. MARINER FINANCE refused to give me a corporate office to send IDENTITY THEFT reports, police reports to. I located the corporate company and mailed with tracking all reports and demand to clear account and my name. along with furnishers. Deceptively they have reported this FRAUDULENT account to my credit report transunion, maybe others now as well. they continue to send me mail, statements etc ... completely ignoring this is IDENTITY THEFT & FRAUD. Ignoring the police reports, federal trade commission reports, documentation provided to them Adding to this victimization of me as an IDENTITY THEFT VICTIM, the copy of the stolen check that I recived UPON MY FIRST NOTICE TO THIER LOCAL BRANCH, on the back information THE THIVES FILLED OUT- NOT my signature, NOT my email, NOT my birth date, NOT my phone number, NOT my handwrighting, Also state in several places '' 2 FORMS OF ID REQUIRED obviously that was not done.As per XXXX  XXXX XXXX fraud Department this was deposited into an ATM machine. This is the worst deceit i have seen from any company.RANDOMLY PRINTING CHECKS WITH PEPOLES SOCIAL SECURITY NUMBERS, PERSONAL INFORMATION ON THEM SHOULD BE ILLEGAL! I DID NOT REQUEST THIS NOR DID I HAVE ANY DEALINGS WITH THIS COMPANY EVER. HOW DID THEY GET THAT INFORMATION IN THE FIRST PLACE?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted a complaint XXXX requesting to have an investigation completed. As of XX/XX/2022, XXXX, XXXX and Experian has not completed the investigation. 

It has been over 30 days and all of these consumer reporting agencies are in violation. 

XXXX, XXXX and Experian have failed to promptly update and correct information it furnished to Consumer Reporting Agencies ( CRAs ) that it determined was not complete or accurate, and continued to furnish this inaccurate and incomplete information, in violation of the FCRA 623 ( a ) ( 2 ), 15 U.S.C. 1681s-2 ( a ) ( 2 )
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of credit report and notice several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate this item for me to ensure accuracy. Here is the item that I am asking you to verify as accurate. XXXX  XXXX # XXXX
Product: Credit reporting or other personal consumer reports

To Whom It XXXX Concern : I XXXX XXXX have a vehicle Loan with XXXX XXXX since XX/XX/XXXX for some reason my car loan is not reporting on all 3 of the Major Credit Bureaus. I have reached out to the credit bureaus by phone they are telling me that disputed the account, and it was removed from my credit report I didn't dispute the account to be removed from my credit report. I was disputing hard inquiries NOT XXXX  XXXX. I called XXXX XXXX to see why my account is not reporting they told me they are reporting it to my credit report each month. I would like for my account to be added back to my credit report. Its effecting my car credit. Also, I have hard inquiries that I didn't authorize or give my consent to pull my credit report. 


INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX STATEMENTS ARE ATTACHED TO THIS EMAIL
Product: Debt collection

i requested the name and address XXXX dates of breach with original creditor and the last payment date, they have not sent me in writting when was the last payment made with original creditor they sent me a notarized bill of sale and affidavit of sale of account when they bought account that do not state the account number or my name anywhere on it they also sent me purchase information and they refuse to fill out last payment date they are in violation of the Rosenthal Fair Debt Collection Practices Act.they are using unfair debt collecting practicez and i will continue to report them
Product: Debt collection

This happened like 7 years ago! 

i returned a phone before the 14 days grace period to return such a device, XXXX XXXX NEVER COMPLETED THE RETURN, 5 YEARS LATER THEY SEND ME THE BILL FOR THE PHONE THAT I RETURNED 5 YEARS BEFORE THEY ACTUALLY SENT ME TO COLLECTION, NOW MY CREDIT WENT DOWN THE HILL TO THE XXXX! LESS XXXX POINTS! FOR SOMETHINH THAT I DOT HAVE AND THAT I NEVER USED IT!!!!!!!!!!!!!!!! THIS IS HORRIBLE! I NEEE HELP TO REPAIR MY CREDIT, TRY TO CONTACR XXXX AND IS PTRACTICALLY IMPOSSIBLE, THEIR WEBSITE DOES NOT WORK! 

THIS IS HOW IT APPEARS ON MY CREDIT FILE Collections XXXX I.C. System, Inc XXXX to XXXX
Product: Credit reporting or other personal consumer reports

In XXXX I received a bank statement from XXXX XXXX stating that I opened a XXXX XXXX XXXX and the company name is XXXX XXXX XXXX XXXX. The statement said I had a balance of XXXX due, and I could see on the statement where the thief spent the money. I never opened an account with XXXX XXXX, so I contacted them and alerted them to have an investigation. Recently I contacted XXXX XXXX to know the progress and they told me that their investigation saw the account was paying back some money to the bank and the account that was paying back is also under my name. So they closed the investigation and still required me to pay back the money. The representative told me the bank that was paying back was XXXX  XXXX, and I never had a XXXX XXXX XXXX account either, so I contacted XXXX  XXXX and they are doing an investigation as well. Then I got back to XXXX XXXX for them to reopen the investigation and work with XXXX XXXX. When I contacted XXXX XXXX, the representative verified the information with me and I can know that the thief had all my information, including my date of birth, XXXX, address, and my name. Recently I also received mail from PNC Bank, with the thief opening another account under my name without my knowledge and permission. I checked the information on XXXX and XXXX, and I noticed that the person had requested several inquiries under my name, including XXXXXXXX XXXX XXXX  requested on XX/XX/XXXX, XXXX  XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX  XXXX accessed my credit report without my knowledge, XXXX requested on XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, my XXXX report was also requested several times, XXXX XXXX XXXX XXXXXXXX almost XXXX times since XX/XX/XXXX, PNC Bank XXXX XXXX on XX/XX/XXXX, my XXXX report was also requested multiple times without my permission. This information is based on the inquiries when I opened the XXXX credit companies my own and I froze all three of them. Thank you so much for the investigation, please help me.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer. 

Here are the report numbers : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed multiple inquiries on my Transunion report over 30 days ago that I did not approve of and I've gotten no response from the credit bureau and the inquiries are still there and they don't report as being disputed. 

I have also reached out to the creditors that did the inquiry and they couldn't tell me anything except that someone tried to get a car loan under my name. I asked for the credit applications with my signature and they couldn't provide anything. 

The dates for these inquiries are XX/XX/XXXX and XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Reported : XXXX. XXXXXXXX XXXX + {$4500.00} Closed XXXX XXXX XXXX Reported : XXXX XXXX, XXXX + {$4000.00} Closed XXXX XXXX - XXXX Reported : XXXX XXXXXXXX XXXX {$1800.00} Closed XXXX XXXX XXXX XXXX : XXXX. XXXX XXXX + XXXX ( XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX : XXXX. XXXXXXXX XXXX + Finance/Personal ( XXXX ) XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX Inquiry : XXXX. XXXXXXXX XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX XXXX : XXXX. XXXXXXXX XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX + Automotive ( XXXX ) XXXXXXXX XXXX XXXX  XXXX XXXX : XXXX XXXXXXXX XXXX + Automotive ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX  is claiming that this statement is there because of PennyMac Mortgage Company. However, I have never made a late payment with PennyMac Mortgage Company since my loan was transferred to the company. They claim they investigated this matter and PennyMac claimed that this information was true. The document provided from PennyMac shows my actual payment amount in some places incorrect. All payments through PennyMac Mortgage are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to PennyMac Mortgage have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If PennyMac Mortgage is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with PennyMac nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with PennyMac Loan Sevices for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.
Product: Mortgage

New american funding has handled my entire loan modification unprofessionally. They said it takes up to 60 days to process but it took longer because their staff is unprofessional, unorganized and unethical. I have been stressed beyond measure because I can not get a payoff quote to sale my house. There customer service reps are all untrained and give different info depending on who you speak with. Supervisors are never available and its impossible to speak with a manager. My issue has been escalated for 3 months and this company has done nothing but slow the process and make mistake after mistake.
Product: Debt collection

After receiving a copy of my credit file I noticed a debt of which I knew nothing about, this debt was with XXXX XXXX XXXX in the amount of XXXX XXXXI disputed this debt with the credit bureau XXXX , I have disputed this account on 3 different occasions, once in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX each time I received a response back saying this account  was verified however I asked for verification to be sent to me and never received anything. I am asking that this account be immediately removed if no signed contract can be provided as I have no knowledge of the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

false misrepresentation deceptive Case a collection agency XXXX XXXX XXXX. This collection agency falsely reported an unpaid medical debt which is under an active New Jersey Workers Compensation Case Trans Union XXXX XXXX refused to accept the dispute as valid claiming the investigation is complete and the debt is valid which is false. I do not owe a debt to XXXX because under New Jersey Workers Compensation Law I am nor liable for medical bills.
Product: Vehicle loan or lease

On XX/XX/year>, Ally Financial mistakenly applied a payment of {$2400.00} to my auto loan account. The payment did not originate from me, but the funds were used to release my repossessed vehicle. Ally later corrected this error by removing the payment, which left me with a balance of {$2400.00}, along with additional repossession fees of nearly {$500.00}. 

I promptly contacted Ally about this mistake, which caused significant financial hardship. I incurred additional fees due to their error, and despite multiple requests, Ally refuses to refund the repossession fees that arose from their mismanagement. 

In addition to this, my interactions with Allys customer service have been extremely unprofessional. I have been verbally abused by representatives, hung up on during calls, and my requests for escalation have been ignored. These issues were not addressed adequately by Allys management, despite several requests for a formal investigation. 

I requested a review of my loan agreement due to the stress and financial damage caused by Allys errors, but they refused to consider any adjustment or termination of the loan agreement. Ally insists that I am fully responsible for all charges, despite acknowledging their error in the misapplied payment.

This entire situation has caused me significant financial and emotional distress, and I am seeking a full refund of all repossession-related fees, as well as a formal review of Allys practices.
Product: Checking or savings account

Third Party Vendor Issue preventing my direct deposit. Funds are being illegally withheld from me.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach and that unauthorized accounts and inquiries have appeared on my credit report. As a result, I am requesting that all accounts and inquiries listed below be blocked and permanently deleted in accordance with 15 U.S.C.

1681c-2 ( a ) and FCRA 605 ( b ). 
Accounts to be Blocked and Deleted : 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 XX/XX/XXXX XXXX. XXXX - XX/XX/XXXX
Product: Credit card or prepaid card

I was overcharged by {$100.00} at XXXX XXXX XXXX on XX/XX/XXXX. I had been charged the annual fee for the card on XX/XX/XXXX. I did not want to pay the annual fee and intended to close the card, but could not because if/when the XXXX charge was reversed, the payment could not be paid to a closed card. I called to explain this to Citi Cards and they said that a card could not be closed that had an outstanding balance on it. By XXXX I had resolved the issue with XXXX and paid our outstanding balance to Citi. On XX/XX/XXXX, I called to called Citi to cancel the card and was told the annual fee would be prorated, and the late fees and interest fees that had accrued would stand. When I asked to speak to a manager, I was told one was not available but I would receive a call back. Upon being called back, I was told that no Citi employee would ever inform me that I could not close an account with an outstanding balance, and not only would the late fees and interest be charge, but the annual fee would be charged in full and not prorated at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern XXXX XXXX, XXXX XXXX  XXXX XXXX  # XXXX are an accounts that were legally discharged in a bankruptcy XXXX XXXX XXXX OHIO Docket # XXXX. Please delete this account at once it is an error! They are in error 611, 623, 609 FCRA PLEASE REMOVE/DELETE ASAP.
Product: Debt collection

On XX/XX/2018 I received calls from unknown number as well as local number that were identified on caller ID in reference to signing legal documents. He did not provide his name but said he had been hired by XXXX, XXXX and associates to reach me to sign documents. He provided me a telephone number and a case number. I called the number and provided the case number and was told that " XXXX '' is handling my case. 

XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I also received calls from XXXX from someone who identified himself as XXXX XXXX . He said he was a process server and that he had legal documents that I needed to sign in reference to a XXXX XXXX Account ending in XXXX. He called my home, cell as well as work number. He said it was in reference to Case # XXXX! He gave me a number to call XXXX in order to speak to the company who was litigating against me. 



I called and spoke to XXXX XXXX and she gave me the email address of XXXX to provide proof that the debt had been resolved in order for her to dismiss the JUDGMENT. I sent her the information and she responded as follows : Thank you for the letter XXXX XXXX, but this letter does not say or show your balance was paid off. This is an agreement to resolve your account if the agreement is met. I need a release of liability letter or balance paid in full letter to stop any further action. I can not submit this for dismissal of debt owed. Please feel free to call me or forward any other documents you might have pertaining to this file. 

Thank you XXXX XXXX Lewis , McDonnell & Associates p : ( XXXX ) XXXX ext XXXX f : ( XXXX ) XXXX a : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX I then provided her with the bank statements to prove that it had been paid. I called to follow up and she said that the case has been dismissed. I further asked who the attorney was? She gave me the name XXXX XXXX. Then I continued to raise questions and she put me on the phone with a man named " XXXX XXXX ''. He said that XXXX XXXX is not an attorney but rather Operations Manager and they are a debt collector. ( I was previously told that they were a law firm and not a debt collector ) XXXX refused to give me his local number. He refused to give me the name of the attorney that was licensed in MO to file a law suit against me, he refused to give me the registered agent. I just believe that this is a very sophisticated scam and I wanted to make your organization aware.
Product: Debt collection

-Collections is not from original creditor. I do not owe XXXX  XXXX, ERC, XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX XXXX I never heard of. I never did a contract with them. Their violating FDPCA Section 807 Misleading false reporting. I feel like im being taken advantage of being ignored of my disputes
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  account does not belong to me Ive been a victim of identity theft
Product: Credit reporting or other personal consumer reports

on XX/XX/year> I disputed two accounts that have my personal information linked as a authorized user XXXX XXXX XXXX XXXX XXXX