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

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX Inquired on XX/XX/XXXX ; XXXX XXXX, XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX  - XXXX XXXX Inquired on XX/XX/XXXX ; XXXX  XXXX XXXX XXXX Inquired on XX/XX/XXXX ; XXXX XXXX  XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  **Not authorized to run credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXNot authorized to run credit
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section XXXX05b of the FCRA you are required by law to remove & block these items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. If you feel there is a possibility these items belong to me, I will require all documentation that bears my signature ( another research items I found that requires you to verify with 100 % accuracy that these items are 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1300.00}, XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

On my Credit report it just pop up a collection from a lender AFNI 11 at T with the amount of {$500.00} age of account 3 months. I am not familiar with this lender or collection.
Product: Credit reporting

To whom it may concern, I am filing a complaint against Chex-systems because I have been a victim of identity theft and I sent them my police report and got a response from them that i was clear of any negative information that was reporting due to the fraud. I tried to open up a savings account and was denied because there is XXXX accounts reporting negative on my file with XXXX XXXX XXXX and XXXX Bank. The dates on these accounts are right around the time that I sent my police report to Chex-systems.
Product: Mortgage

WELLS FARGO MOME MORTGAGE claims to have contacted me regarding additional information before acting on my original complaint ( Never heard from them via phone message, text, email, or letter ) and then closed the case without warning. SCAM artists that preyed on customers for years, including us. Scammers then, scammers still. Now they get away scot free. Isnt America wonderful?
Product: Credit reporting or other personal consumer reports

Last XX/XX/year> I noticed a student loan on my credit report that I did not apply for. I sent letters to Experian, XXXX and XXXX asking them to verify and validate the account they did not send me any information and declined to remove it although they had no supporting documentation to keep reporting the account. The XXXX reporting agencies are reporting stolen debt as I did not give any written consent to any school or XXXX XXXX XXXX XXXX to have my personal information. This is a violation of my privacy and I demand this to be removed immediately.
Product: Credit card or prepaid card

I was told I qualified for a {$50.00} credit on my purchase if I applied for a Lowe 's credit card and was accepted, so I applied. I was denied and told, in public, in front of my daughter that I was denied. I asked if I would receive a letter. I was told " yes ''. I paid for my purchase and immediately checked my credit score because I feared fraud. My credit score was XXXX. 

One week later, I called Lowe 's to find out why I had not received an explanation ; they told me I had not been denied and that all applications were routinely placed on hold. I asked for a supervisor and I was then transferred to XXXX XXXX  ( XXXX ). I asked for a supervisor again and was placed on hold again ; after waiting 5 minutes I was asked if I minded continuing to hold ; I replied " no '' I did not mind. They then hung up. 

I called back and opened a Lowe 's Incident # XXXX ; I was then transferred to XXXX XXXX again. 

I asked XXXX XXXX for a reasonable explanation for why my application was " denied '' originally and received none. XXXX said my application was incomplete but did not require any additional information when he approved it, so that was a lie. He also said I will receive a {$50.00} credit on my 1st purchase. 

I found this entire process misleading and embarrassing in the extreme. I was on the phone over 40 minutes resolving it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 15th 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, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/2023 XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX Balance : {$600.00} XXXX XXXX XXXX XXXX Balance : {$12000.00} XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023
Product: Credit card or prepaid card

Hi I got Robbed Last Night so somewhere around in the afternoon I checked my balance it was XXXX dollars something at first then at 2nd I Checked again I had Problems With My Payments and I Checked it was XXXX cents and Im Really Shocked
Product: Checking or savings account

I logged into my checking account to find my {$640.00} to be placed on hold and showing it as a deduction. This money was from XXXX XXXX XXXXXXXX XXXX acting account. I reached out to Bank of America via chat and they had no idea why or how long it would be on hold. They could not help me. Please keep in mind, I have had this account and funds for over XXXX XXXX in my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

UPSTART NETWORK INC.. conduct is misleading and deceptive the promissory note allegedly signed by me was not signed with my own hand and is fraudulent i completed a Identity theft affidavit with the FTC XXXX prove the the Note is fraud and UPSTART NETWORK INC. continues to report and attempt to collect this fraudulent account without verifying with first hand knowledge that i signed the promissory note also there conduct is extortion, usury and blackmail. I order UPSTART NETWORK Inc. Cease and desist communication with all credit reporting agencies in regards to this fraudulent debt.
Product: Mortgage

I informed ( via phone ) Stearns Lending Co. that they had incorrectly recorded my mortgage insurance premiums on my XXXX on XXXX/XXXX/2016. I was told to send an email to XXXXXXXXXXXX. I did so on XXXX/XXXX/2016 and received an acknowledgment that my email was received and that my issue was being managed. As of XXXX/XXXX/2016, the form still was not corrected, so I emailed again. As of XXXX/XXXX/2016, the form was still not corrected, so I called and the agent told me a supervisor would call me in 48 hours. I emailed again that day, as well. I never heard from a supervisor at Stearns. As of XXXX/XXXX/2016, I sent multiple emails and called. I was transferred to a supervisor 's voicemail who never returned my phone call. As of today XXXX/XXXX/2016, the form is still not corrected. I have emailed yesterday and today. I do n't know what to do at this point since no one from Stearns will correct the form, even though the representatives that I have spoken to on the phone have acknowledged that the form is wrong per their records ( but it 's another department that corrects XXXX forms ).
Product: Credit card or prepaid card

I had a Chase/Southwest credit card with a {$0.00} balance balloon to a balance of ( {$320.00} ) without any charge being made. 
Being paperless statements, I got my first overdraft notice after 4 months. I immediately called Chase Bank Customer Service in XX/XX/2022 and pointed out that I had placed no charges on the card. They agreed then to close the card. 
In XX/XX/2022, I received another overdraft notice and immediately called Chase Bank Customer Service. They again looked at the record and agreed that I had made no charges on the card and agreed to close the card. 
In XXXX, I sent 4+ messages to Chase pointing out that I had made no charges on the card and that Customer Service had twice said they would close the card. The card has now been sent to Collections. 

I feel preyed upon and elder abused in that a card with a {$0.00} balance turns with fees and charges into a stealthy money maker for Chase/Southwest .
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX are not my accounts they insist on keeping it on my credit report. please delete
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an Bankruptcy on my Credit File with Experian, and the ending results they admit to violating the Fair Credit Reporting Act. The information they received was incorrect and also obtained illegally from a third party.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Complaint Regarding Inaccurate Late Payments on My Credit File Dear CFPB, I am submitting this complaint regarding inaccurate late payments and discrepancies reported on my credit file for my XXXX XXXX XXXX account ( Account # : XXXX ). These inaccuracies violate my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) and other relevant U.S. laws. Below, I have outlined the nature of the complaint, including specific errors, violations, and my requested resolution. 
Nature of the Complaint : Inaccurate Reporting : The late payments listed on my credit report for this account are inaccurate. Specifically, the reports indicate late payments for the following months : XXXX and XXXX : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
TransUnion : 30 days late in XX/XX/year> and 60 days late in XX/XX/year>. 
My payment history shows no record of late payments, as I have consistently made my payments on time and have been enrolled in autopay for this account. 
Violation of the Fair Credit Reporting Act ( FCRA ) : These discrepancies violate 15 U.S. Code 1681e ( b ), which requires credit reporting agencies to ensure maximum accuracy of the information in consumer reports.

Under 15 U.S. Code 1681i, credit bureaus must conduct a reasonable reinvestigation of disputed information.

Additionally, 15 U.S. Code 1681s-2 mandates furnishers of information to provide accurate data to credit bureaus.

Violation of Other Consumer Protection Laws : Truth in Lending Act ( TILA ) : Mandates accurate reporting of credit information.

Fair Debt Collection Practices Act ( FDCPA ) : Protects consumers from false or misleading representations about their accounts. 
Account Information : High Balance : {$430.00} Date of Last Activity : XX/XX/year> Balance Owed : {$39.00} Payment Amount : {$49.00} Credit Limit : {$3700.00} Requested Resolution : I request : Conduct a thorough investigation into this matter as required under 15 U.S. Code 1681i. 
Provide detailed information and evidence supporting the reported late payments for XX/XX/year>, XX/XX/year>, and XX/XX/year>. If no evidence can be provided, I demand that the inaccurate entries be removed from my credit file. 
Correct all discrepancies to ensure my credit file accurately reflects my 100 % on-time payment history. 
Provide written confirmation of these corrections within 30 days of receipt of this letter. 
Failure to resolve this matter promptly may lead to further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal remedies as outlined under FCRA Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ).

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

I received notification from XXXX XXXX in regards to a debt that I was unaware and NEVER received a letter. however what concerns me is that I rent from this company - theyve have not informed no letter about debt validation / verification. This collection is absurd and really believe this company did not do proper ways to contact. I have not resided in the residence since 2015. Why would it appear on my credit. XXXX XXXX has been sold 3 times, when leaving the company a Walk-thru is required ( inspection ) and a {$0.00} balance is required to be able to rent another property from this company
Product: Credit card or prepaid card

When I make an online payment it tells me that my balance is one price ; however, it is higher than the balance that they project online. For example, my online payment was a minimum of {$35.00}, I paid the minimum but I am getting outrageous phone calls from comenity saying that my account is past due. In actually, that isn't true because I paid what they had online. When I call them and see why my account is delinquent, it's because my payment was higher than what was shown online. It was {$50.00}, not {$35.00}. So now I owe, $ 50+ {$39.00} late fee= 79. I explained to them that isn't fair because I did my part. I have pictures to send.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previous addresses that are not mine and wrong current addresse also unauthorized inquiries and 2 accounts with wrong status of account like a late payment and charge off
Product: Debt collection

This company calls via autodialers from spoofed phone numbers and unregistered phone numbers. They leave aggressive voice-mail. A " XXXX '' told me today she was sending over legal documentation to my employer to shame me into paying them a debt that they said they do not own but another company that allegedly does from what they have accessed on my credit report. They provided me with all my personal information and said they are not obligated to send me anything claiming to have sent dent validation through text message, email and postal mail. After I informed them I never received Debt Validation from them via postal mail they said they actually don't do that but can send me an email with a link for an account they created in my name for me to pay them rather than the debt collector on my credit report that they arent associated with. They threatened to then sue me and my employer and ruin my credit ; continously refused to confirm they were going to send postal mail debt validation and that they would keep harassing me until I pay up because they ran my credit and can see " the other debts you have and we got you nailed down ''. They also did not start the call off with notice that they are a debt collector and they were the ones that provided me with my personal information including reading off to me my social security number. They did claim they bought the information but that they arent the debt collector on it, but that I can just pay them and they will make sure it goes to who needs it, etc.
Product: Credit reporting or other personal consumer reports

I believe FCRA 605B obligates us to delete any incorrect accounts from my credit report. Could you verify the documents? Some accounts listed have errors in reporting, such as wrong amounts and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

The bank XXXX XXXX XXXX  XXXX  is reporting a late payment for XXXX & XXXX of 2020 on my credit reports that is violating the law. The Cares Act Section 4021 of the CARES Act amends Section 623 ( a ) ( 1 ) of the FCRA ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) states that account affected by Covid-19 should not be reported late while Covid-19 is going on, and the law is retroactive to XX/XX/2020. The reported late payments should be updated to payed as agreed and the late payment removed from the credit reports based on the law.
Product: Credit card or prepaid card

booked a car rental with XXXX from XXXX to XXXX ( in XXXX florida ). 

the amount is XXXX . 
they booked my reservation with a company called XXXX  XXXX. 
when i went to pickup my car in XXXX XXXX this happened - the person first took all the details, like the voucher number from XXXX, my card. LICENSE number etc. was rude from starting when i came in, asked me to purshase tolls first, i said, i am here visiting family. i know the routs. don't need tolls, then asked for insurance, i said i have my insurance with XXXX which covers everything and also have secondary insurance with visa card which i ought my order which covers secondary insurance, he straight away cancelled my order and gave my cards back ( cc and license ), i asked him to check my insurance if he wasnt sure. he said i already cancelled your order. take the money from the online company which you booked, as you did not book it with me i am not giving you anything. 

My view - the person was pre determined to cancel my order as i see here as he said i did not book it with him directly, even the XXXX reviews say the same, as i checked it afterwards, ok so after this, i did not pick up the car and no service has been given, therefore, i contacted XXXX  for the same saying that i did not receive the service which was booked and need a refund as i did not get any service, XXXX has no response yet on the same, they still say we are looking into it. 


then i call my bank ( visa bofa card ) and say i was charged for the service which i did not get and did not even use it. bank closes my claim saying that there is no billing error and not paid me the money back again. 

called and explained the same to customer service of claims dept. they say there is no billing error and they stand by the denial of the claim. 

NOW I DID NOT GET ANY SERVICE, ALREADY TAKEN THE MONEY FROM ME, I WAS MISS TREATED AND RUDE BEHAVIOR TOWARDS ME. WASTING MY TIME ALL THESE DAYS AND ALSO THE BANK DENIED MY DISPUTE CHARGE AS WELL. NO SERVICE AND ALSO MY MONEY LOST, I THINK THIS IS INJUSTICE AND NOT FAIR. 

PLEASE HELP ME IN THIS.
Product: Credit reporting or other personal consumer reports

This is the second time I've updated this questionable information by sending a letter to the three credit bureaus. I believe you have violated Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) by failing to verify these items, and I will take legal action against you as a result. This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX
Product: Debt collection

I received a phone call from a collection agency, SOUTHWEST RECOVERY SERVICES, who claimed that I owed a company called XXXX XXXX XXXX for a credit card machine and early cancellation for alleged credit card processing dating back to 2019. I have used the same credit card processor for at least 5-6 years and it is not XXXX XXXX XXXX. I remember a gentleman who repeatedly came to my office trying to get me to switch processors. I told him to stop coming to my office, but we did not authorize his service. My staff frequently receive calls from credit card processors who attempt to gain information regarding or Credit Card Processing machine. 

Other than the phone call on my cell phone from SOUTHWEST RECOVERY SERVICES, I have never received notice of the alleged debt via my office phone or my physical mail address ( unchanged for 23 years and both address and office phone are listed everywhere ). He said he'd emailed statements to me at an email address that does not exist in my business. 

I do not owe this debt and believe it to be fraudulent. XXXX Recovery sent it to all 3 credit bureaus as a credit collection. This has had a detrimental effect on my credit score.
Product: Debt collection

Today at XXXX a tow truck guy pulled up on my property hooked the back of my vehicle up and attempted to tow my vehicle. I told him that it was illegal and that I will not allow his company to seize my property. This is a violation under 15 USC 1692e it states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Last year on XX/XX/2021 I mailed BMW FINANCIAL SERVICES a Cease & Desist letter, Invoice, Affidavit, and Letter Of Validation. Pursuant to 15 USC 1692g BMW FINANCIAL SERVICES did not follow the XXXX directions with in this federal law. Which is a failure and holds them civically liable under 15 USC 1692k to pay me in {$1000.00} in damages. Also another {$1000.00} for breaking the 15 USC 1692e law in attempt to collect an alleged debt by ceasing my property. BMW FINANCIAL SERVICES has been in violation of multiple FDCPA laws and I reached out to them to solve the damages by seeking remedy. BMW FINANCIAL SERVICES individual actions shows there persistence of noncompliance as a debt collector, and the nature of such noncompliance, and the extent to which such noncompliance is showing that there individual actions are intentional.
Product: Vehicle loan or lease

I paid off my auto loan from Hyundai Motor Finance and have been enquiring about the title which now lawfully should be turned over to me. I 've received a myriad of responses including they do n't have my title, they wo n't send me the title, they will send in 90+days, I should go get a duplicate from the DMV as they 'll never send me a title, I should get it from the dealership etc. All these calls are recorded by HMF so you can see what they are doing. 
I believe I complained about their using incorrect credit scoring and over charging me interest so they are now retaliating with holding on to my paid off car title. 
I just want my title as I 've paid the loan off and HMF is illegally giving me the run around. The DMV sent my licence plates and registration to the dealership who forwarded to me ... And HMF says they have n't even received the title from the DMV ... What a lie!