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

I recently ordered a credit monitoring package that helps take unauthorized inquiries off my credit report, In addition to that, the report on this site, is inaccurate. 

First off there are excessive inquires that I did not authorize but are on my recent credit report. 

Creditor Name Type of Business Date of inquiry Credit Bureau XXXXXXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX  Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX  Commercial Banks XX/XX/XXXX TransUnion XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX All Banks XX/XX/XXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX XXXXXXXX XXXX XXXX Commercial Banks XX/XX/XXXX TransUnion XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Bank Credit Cards XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  All Banks XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Financing XX/XX/XXXX XXXX XXXX XXXX XXXX Miscellaneous Finance XX/XX/XXXX XXXX XXXX XXXX XXXX Auto Dealers, Used XX/XX/XXXX XXXX XXXX Auto Financing XX/XX/XXXX TransUnion XXXX Auto Financing XX/XX/XXXX TransUnion XXXX XXXX Personal Loan Companies XX/XX/XXXXXXXX XXXX XXXX XXXX  Miscellaneous Finance XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX Bank Credit Cards XX/XX/XXXX TransUnion XXXX XXXX Bank Credit Cards XX/XX/XXXX TransUnion I do not recognize any of these shops except XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The rest of this companies I do not recognize and did not give written, or oral consent to inquire and share it with reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently became aware that I have fallen Victim to Identity Theft. My information was stolen and used without my knowledge in an attempt to open new lines of credit. I have notified and made attempts to contact all three credit bureaus to discuss Identity XXXX Resolutions. Of the three, XXXX was the most responsive. XXXX began immediately removing several of the accounts and information on my credit report that was a result of identity theft/ ID XXXX. 
________________________________ I have been able to successfully lock XXXX and Experian credit reports. I'm still unable to successfully use XXXX XXXX through the XXXX XXXX   XXXX site. This has caused me to receive another new inquiry in addition to the ones they have already removed from my XXXX credit report. This comes even after the initial 90-day XXXX   alert that was placed on my credit report XX/XX/XXXX. 

The Experian and XXXX  customer service representatives I had spoken to were unable to provide any assistance or identity theft resolutions. In fact on two separate occasions when I attempted to contact Experian and XXXX customer service, coincidentally both of their " systems '' simultaneously went " down '' they were only able to repeatedly instruct me to " call back again later ''. 
___________________________________ -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - The fact of the matter is that fraudulent information on my credit report which was a result of identity theft remains and continues to be reported by these Credit Bureaus after they have received notification of such fraudulent information on the report. 

Documentation that was sent to Experian, they XXXX  and XXXX included : ( All of these reports are attached ) XXXX XXXX Police Report XXXX XXXX Police Report ID Theft Affidavits ( Signed and Notarized ) FTC Identity Theft Report In addition to these reports, you will find attached one file which lists each account and inquiry that appear on my credit reports as a result of identity theft. All new information reported after XX/XX/XXXX, resulted from identity theft and is considered fraudulent information. It's my right and the duty of the credit bureau to permanently remove this information from their respective reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

One of my real estate lenders reported me 120 days late for several months last year. The credit reporting agencies dropped my score XXXX to XXXX points. The reporting was deleted and or corrected and Experian did not adjust my credit score back upwards. I asked them why, and they would not answer or respond. They just blew me off.
Product: Student loan

XX/XX/20 Attempted to make a targeted payment to one specific loan online. Have done this multiple times before. Was unable to complete my transaction, Navient system only let me pay to full principle and interest. 

Called Navient : Found our that my paid ahead loan was on hold until the payments caught up and that I could not pay that loan. After a very confusing and untrusting conversation, I am unclear of my options and feel my account/repayment has been compromised. This is not the first time something like this has happened.
Product: Debt collection

XXXX XXXX XXXX has filed unsubstantiated lawsuit on behalf of client Accelerated Inventory Management LLC ( AIM LLC ) as an attempt to collect an alleged debt. I have never received any debt validation request or any notification this information was legally acquired from their client. In fact, this exact alleged debt was previously disputed directly with another debt collection company and subsequently removed from consumer reporting agencies and my information from that company files ( screenshot attached of account prior to removal ). How, when and why AIM LLC has received any personal information of mine is unbeknownst to me and the legality of that acquisition is in question. This attempt to collect unvalidated, unsubstantiated debt by way of legal proceeding is a direct violation of 15 U.S. Code 1692g a & d.
Product: Vehicle loan or lease

Since XX/XX/2022 Ive been disputing this account that is not mine with no resolution. I was a victim of identity theft, my wallet was stolen, I've provided a police report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX/XXXX/XXXX. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. XXXX XXXX XXXX ( a ) ( XXXX ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this complaint to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Account number XXXX Is being report In accurate on my credit report I have tried multiple of times to get it delete it with the credit bureau XXXX XXXX and XXXX have taken it off I sent them the documents to confirm that but his Experian refuse to delete the account after 3 times
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my recent credit report request from Transunion, XXXX, and XXXX   there are several inaccurate accounts on my report that I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report ( See Attached ) Note : There is a {$1000.00} fine if this request is not completed in 30 days as stated in FACTA.

VIOLATIONS OF CREDITORS & TRANSUNION VIOLATION COUNT 1 [ 15 U.S.C. 1681c ] ( a ) There are several items on my report that are not legally allowed on my report VIOLATION COUNT 2 [ 15 U.S.C. 1681c-1 ] ( a ) I Have accounts on my report that do not belong to me and my identity may be Compromised.

VIOLATION COUNT 3 [ 15 U.S.C. 1681e ] Compliance procedures VIOLATION COUNT 4 [ 15 U.S.C. 1681h ] All of the creditors do not have records of my proper identification CREDITORS AND ACCOUNTS TO BE REMOVED XXXX XXXX XXXX Account # XXXX Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX THIS ACCOUNT DOES NOT BELONG TO ME PLEASE REMOVE IT OFF MY REPORT
Product: Credit reporting or other personal consumer reports

Dear Sir/Ma'am, This letter is in response to your recent claim that the following information reporting under my name is accurate. 

Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( 15 ) days of the completion of your reinvestigation. 

Additionally, please provide the name, address and telephone number of each person contacted regarding this alleged account. I am formally requesting a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. 

Any automated response or e-oscar verification is unacceptable and incomplete. I am requesting a reinvestigation AND your Method of Verification. 

Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 

I am maintaining a careful record of my communications with you for the purpose with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney XXXX 's office, should you continue in your noncompliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for your willful non-compliance.
Product: Debt collection

XXXX XXXX  has sent a debt consolidation loan to serve me papers to sue me for the cost of XXXX. That includes court fees and fees. I tried to make arrangements with them and in the meantime I pay XXXX law to help with my low credit score. I was informed by them they were aware of this and sit tight. I called them on my own after many papers repeatedly saying the same thing. But before that I didn't hear anything about paying XXXX dollars a month.so now when I call burley and associates all I get is there is a red flag on your account and I can't say nothing. Well we're is my rights in all of this. I can't even have the chance to explain my situation. I work part time 20 hours a week, for minimum wage. For which is a temporary job that will end at the end of XX/XX/2023. For which always I was hurt on the job and trying to work while being on workman comp. I do not have it or I would pay. I tried years ago with a debt consolidation agency but after 2 years and XXXX dollars a month I couldn't pay and they dropped me. Please help. Thank you.
Product: Debt collection

After carefully reviewing my updated credit report, I saw that you are currently reporting this collection account provided above on my credit report. I have no knowledge of this account in the first place. While you are currently reporting this alleged debt on my credit report it is causing significant harm to my credit score and financial reputation. 

CAINE WEINER Account Number XXXX
Product: Student loan

Dear sir or madam, I have XXXX federal consolidation loans with Navient, which I have been paying in good faith since XX/XX/XXXX. Due to recent information that has come to light, I believe Navient has stolen money from me and acted fraudulently over the last few years. 
First, Navient claims that XXXX years ago I chose a graduated repayment program, in which only interest would be paid back for the first XXXX years. I did not knowingly choose this repayment plan, and I never would have. They did not inform me that I was only paying back interest, not principle. This came to light about a month ago ( XX/XX/XXXX ), when my monthly bill increased without warning by nearly {$70.00}. I immediately contacted Navient, who claimed that I had been informed of this change in an email in XX/XX/XXXX. I did indeed receive an email titled " change in terms '' on XX/XX/XXXX but there was no information in the email or attached. I was not informed by email or post for the XXXX years that I was unknowingly on the reduced-payment plan. 
Second, over the last year I have consistently paid more than the minimum monthly payment. For the last XXXX months, Navient has applied my entire payment to " interest '', including the extra money. I asked them what happened to the extra money I paid, but they avoided answering the question, telling me over and over that I had chosen an " interest-only repayment plan ''. I can not imagine how it can be legal for them to apply money above the monthly minimum to interest, not principle. I believe they have stolen it. 
Third, I was forced several times to put the loan into forbearance because I was in a bad financial situation. Navient/XXXX always told me that I was not eligible for deferment, even when I was still in school or unemployed. They have thus added {$6000.00} of capitalized interest to my original principle, although I have always paid in good faith. I should have been eligible for deferment at least some of the time. 
I have tried to negotiate with Navient, but they will not cooperate with me. I have informed them that I am ceasing all payment on the loans until we can come to an agreement, but they will not back down. I can not in good conscience continue to pay a company that is stealing money from me, and fraudulently signed me up for a payment plan that I did not want. 
I hope that you can help me resolve this situation. 
Best, XXXX
Product: Checking or savings account

Hello, On XX/XX/XXXX, I received a charge on my Chime checking account for XXXX from XXXX. I saw this charge and money deducted from my account. I canceled the service, and was promptly initiated a refund from XXXX. The charge was erased from my Chime checking account, but my money was not refunded and my balance did not return to normal. I waited a full ten business days to contact XXXX, and have had three different representatives tell me that the refund was processed to my Chime checking account. I have been chatting with Chime representatives for a week, and have received a variety of different answers. Different representatives have messaged me without even reviewing the case, assuming I'm talking about a charge that I have not even referenced. One representative told me to look at my statement, and if the charge/refund were not on my statement, she would help. Two days later, a different representative messages me and tells me that " this was not an actual refund, so I was not refunded any money and the charge was dropped from statement. '' I have gone back and forth with this representative to express that this isn't the case, my money was taken out and not returned. I am now out {$100.00}, without a solution. I have never filed a formal complaint against a bank and am always ready to admit when I misunderstood something, but I keep close track of my account. I had money deducted, and it was not returned.
Product: Credit card or prepaid card

Elan Financial Services sent a request to have a client take a photo of herself on her mobile device BEFORE they would decision her request for a credit card she applied for online. This seems to be in direct violation of reg B and overt discrimination. 
Why does a creditor need a picture of you before deciding if they will extend credit to you? Are they looking to see what race, gender and nationality you are before they give you a credit card?
Product: Credit reporting or other personal consumer reports

Please remove this information from my credit report, this affects me a lot, I don't want to have it. 
XXXX XXXX  - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Experian and XXXX  for 2 accounts and asked for validation which they never sent me but sent a letter saying it was verified for letters sent in XXXX, XXXX, XXXX and XXXX.XXXX took it off my report after dispute. I asked Experian and XXXX  for specific details in which by law and the Fair Credit Reporting Act they are suppose to furnish to me and have not. I disputed with the creditor like Experian told me to and still never got the documents I asked for but instead got a response that clearly violates my hippa rights and law. I sent the info to Experian And let them know they are reporting information for using documents that are violating the hippa law and still they continue to report the items and never gave me what I originally asked for. I am in the process of filing a law suit and this is my last step as I have documented the whole process. I have all documents I need to file law suite if this is not removed
Product: Money transfer, virtual currency, or money service

Transferred money to fraudulent account and did not receive service, want refund.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I am writing to express my deep concern and dissatisfaction regarding the permanent limitation placed on my PayPal account with the email address XXXX. I strongly believe that this decision was made in error and that my account has been unfairly restricted. 

Firstly, I would like to clarify that I have not violated any of PayPal 's policies, terms, or conditions. I have always been a loyal and honest customer of PayPal and have used the platform for various transactions for a long time without any issues. Therefore, I am surprised and disappointed to receive a permanent limitation without any clear explanation or warning. 

Secondly, I would like to request that PayPal re-investigate my case and reconsider its decision. I am confident that upon further review, you will find that I have not engaged in any activity that would warrant a permanent limitation on my account. It is essential for me to have access to my PayPal account, as it is an integral part of my daily financial operations. 

I understand that PayPal has measures in place to ensure the safety and security of its platform and customers. However, I am certain that in my case, there has been a mistake, and I urge you to review my account again to clear any misunderstandings. 

In conclusion, I would like to respectfully request that PayPal reinstate my account as soon as possible. I appreciate your time and attention to this matter, and I look forward to hearing from you soon. 

Thank you for your understanding. 

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

I have fallen victim to identity theft due to the 2017 XXXX breach. This has taken a toll on my mental heath and it has caused me a great deal of frustration and anxiety.
Product: Debt collection

Americollect Inc Attempted Collection Of Debt With Out Validation XX/XX/2018
Product: Credit reporting or other personal consumer reports

The following inquiries are being reported on my consumer file in violation of the Fair Credit Reporting Act, section 1681b ( a ) ( 3 ) ( A ). None of these credit transactions involved the extension of credit to, me, the consumer, although there was intent to use my information in connection therewith. 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Here I attach, along with the dispute, my fraud report that I just sent to TransUnion for the second time so that these questions can be removed, hoping that this time this problem will be completely resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received mail from Affirm in XX/XX/XXXX for XXXX collection accounts from XX/XX/XXXX. I called the company and disputed the charges because I have never had an account with Affirm. They said they would look into it and get back with me, they also sent me a letter stating the same. I did not hear from them again. 

The three collection accounts then showed up on my XXXX credit report. I disputed them individually on XXXX on XX/XX/XXXX and the company notified XXXX they belong to me ( they are not mine ). I disputed them again on XXXX, said they are not mine and asked them to provide proof. They again told XXXX they are mine and did NOT provide proof. 

I called Affirm again and disputed the accounts. I was told they would research and call me back within XXXX days. Ive not heard anything from by phone or mail. 

These accounts are still showing on my XXXX report. I want them removed from my credit report and I also want Affirm to remove these XXXX debts from me because they are not mine.