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

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.
Product: Credit reporting or other personal consumer reports

I'm writing to ask that unapproved credit inquiries be taken off my credit record. I discovered inquiries on my credit report that I had not approved when I obtained a copy of my credit report. They are listed below. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 
XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$2100.00} XXXX XXXX Balance : {$3500.00} XXXX XXXX Balance : {$2400.00}
Product: Credit reporting or other personal consumer reports

I have relentlessly made conscious effort to resolve this matter respectfully, to no avail.Kikoff is an alleged credit repairing company that helps XXXX improve credit score.My experience has been in reverse, Kikoff 's erroneous reporting has affected my credit report drastically.I owe Kikoff financial services nothing, ABSOLUTELY NOTHING.I am being harassed monthly by delinquencies reported to my credit report XXXX points or more, I have been denied credit, I have been charged enormous interest rates, My credit score has plummeted, do to this company unfair and illegal enforcement of contract extortion .I recently received a email acknowledging that they are aware I closed this account in XXXXI would like this complaint made public to for warn the public about Kikoff unscrupulous pay to play scam .I want this harassment to stop, I want the false delinquencies removed from my credit report immediately.Kikoff claims it is FDIC insured, yet they're in use of the transmitting utility account number.Please help me rectify this matter, and restore the damages this company has caused me financially.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my numerous request that you amend this suspicious data. 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. Please don't ignore my request to repair these inaccurate items in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Hello, I submitted a complaint #  XXXX  on  XXXX / XXXX /  XXXX  . Your company FAILED to respond to this complaint within 30 Days. In fact, it is now over 60 Days!     The contents of the complaint are : I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. Th e 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the   sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE.  1.   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  {$9700.00} Satisfied Judgment 2.  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Unknown Judgment 3.  XXXX   XXXX   XXXX / XXXX /  XXXX    XXXX  4.  XXXX   XXXX   XXXX   XXXX  Not  XXXX   XXXX .  XXXX   XXXX   XXXX   XXXX  over 120 Days  6.   XXXX  's  XXXX   XXXX   XXXX  Not  XXXX  7.  XXXX   XXXX   XXXX  8.   XXXX   XXXX    XXXX   XXXX   XXXX   9 .  XXXX   XXXX   XXXX   XXXX  10.  XXXX    XXXX    XXXX   XXXX  11.  XXXX   XXXX   XXXX   12.   XXXX   XXXX   XXXX  Collection I expect that you will provide verifiable proof as required under the  15 U.S. Code 1681g -  Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!     You have not provided me with any viable proof of ownership. An employee looking at a computer screen and sending me statements is NOT a form of verification per the statute of the FCRA  15 U.S. Code 1681g.      Please remove the above accounts from my credit report forthwith due to your lack of response of 30 Day turnaround.
Product: Vehicle loan or lease

XX/XX/2019 I bought a car from Honda Dealership # XXXX American Honda Finance. XXXX XXXX XXXX, XXXX California XXXX phone XXXX. Contract numbers XXXX VIN # XXXX the finance company did Unfair practice for approving my car loan, because the finance company did not used the ( Income to Debt Ratio ) Formula before they approved to finance the car loan. {$41000.00} Including my down payment of {$6500.00} = XXXX. Total Payments will be {>= $1,000,000}. Amount finance {$22000.00}. Total finance including 16.64 % interest is {$13000.00}. 
The car that I wanted to HondaXXXX XXXX  XX/XX/XXXX. But they sold me the car without showing me or telling me the price of the car. And importantly they did not sold me car that I wanted XXXX XX/XX/XXXX .Instead dealer sold me the XXXX XXXX dealer did not even show me the car that I was buying and did not allowed me to test drive the car if I like It. If They did allowed me to test drive the car definitely I would not bought it. The reason Unfair Practice was used to me because my income is base on My social security XXXX {$940.00} monthly. And my car payment {$490.00}. the finance company did unfair practice knowing that I will go to default. I severely suffer that I was in the verge of mental breakdown of how could I live? how will I Make car payments? with the amount I am getting from XXXX.`
Product: Vehicle loan or lease

XXXX XXXX I purchased a vehicle from XXXX a XXXX XXXX XXXX which turned out to be a lemon they didn't tell me that there was transmission issues and the company was in class action for that vehicle so at that time my credit score was very very very low I had no choice but to go to a buy here pay here they approved me I paid on my car for a year my credit score went up dramatically probably from XXXX all the way up to over 600 well due to the fact that the transmission was faulty in my XXXX XXXX I got the recalls fixed a day after I got back from the XXXX dealership the car accelerated and jolted resulting in a car accident which total my vehicle I paid XXXX a month for a year plus the {$1200.00} down payment the gap insurance and my insurance ended up paying 17,000 something something dollars plus my Years payments am a down payment I got nothing so they said they would put me in a new car no charge to pick out a new car for {$15000.00} no down payment but when they set everything up they gave me the same interest rate that they had gave me a year prior with my low score instead of running it with my new score a year later after I got better so I'm still paying high interest rate at 18 % interest from a score from the year prior when my credit was bad after I had already been paying them for a year and establish better credit but had no choice because I had no down payment because I got no money from the first vehicle accident so I'm wondering why am I paying high interest rate when my credit was better and they never ran my credit again they just use that your prior score and why did I pay so much for a car that wasn't worth it because after I purchased my XXXX XXXX XXXX  for XXXX I had it appraise for the value and it was only valued at {$4000.00} even the insurance company valued it at XXXX so why did I pay XXXX XXXX in total XXXX for a car that was not worth it and that was the lemon they had issues to the car dealership knew about
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent Experian, XXXX XXXX XXXX multiple dispute forms about the following issues. Incorrect names, addresses, accounts, etc. On XX/XX/XXXX {$8900.00}, XX/XX/XXXX XXXX & XX/XX/XXXX {$6400.00}. All of the following accounts have been put on my credit report without any correspondence. Therefore, I put these laws in my dispute 15 US Code 1681 B, 15 US Code 1681 C-1, & 15 US Code 1681 C-2. Even after this, they didn't do anything to my credit report. In fact, they added something to my credit report that was taken off already. In short, they do not respect the LAW OF THE LAND AND THEY DEFINITELY DON'T RESPECT THE CONSUMER.
Product: Vehicle loan or lease

I am a co-signer on this loan which is now in good standing ; I would like to be removed from this loan ; as i am trying to purchase my first home. When I co-signed for this loan with my ex-husband ; I thought that I was still married. It wasn't until after I co-signed with him ; that I found out that I was divorced. He divorced me in another county ( 100 ) miles from me in XXXX County ; stating that he couldn't find me, which was a lie ; he had already started a new relationship. I found out by getting a call from his girlfriend that I was divorced now. If I would have known that I was divorced from him, I would have NEVER co-signed on that loan. The only reason why I was added to the loan was because he just started his new job and needed someone who was on the job for a longer period of time. When he left, he left me and my children with nothing, cleaned out all of the accounts, and we lost everything. I have worked really hard to build my credit up and pay off thousands of dollars of debt to get to a place where me and my children can finally get out this apartment. I am begging to be removed from this loan ; he has been on the job for 2 years +, and he's making payments on time ; and paying additional each payment. I dont drive the car ; nor have I ever driven it. I dont even know where its at. Please remove my name from the loan ; as I will not be able to move into my own home with this removal. What can be done here? Please, help me.
Product: Bank account or service

I opened an account with TD Bank in XXXX of last year with a {$100.00} deposit. I was told that as long as I maintained a balance of {$100.00}, I would not be charged any fees. I recently received a letter stating that my account was in collections even though I never withdrew any money from the account. I visited a local bank branch to ask what happened and the representative stated that I received paper statements for which they bank charged me $ XXXX, and once my account dropped below {$100.00}, they charged me $ XXXX for the account. First and most importantly, I registered for online banking over the phone with an agent immediately after opening the account since I 'm a digital-first customer and ca n't stand paper statements. Second, I was never told that the bank would charge me a fee for paper statements. In fact, I was told I would n't be charged ANY fees as long as I kept a balance of {$100.00} or more in the account. My account has been closed and I received {$35.00} back, as the representative would n't provide a full {$100.00} account credit. I expect to receive the additional {$65.00} along with compensation for my time and frustration.
Product: Debt collection

I was in a car accident and was taken to the hospital the debt that they are trying to collect from me was covered by my insurance and was paid in full. i was not seen at XXXX
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report. I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), It is not authorized to fail to validated this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Checking or savings account

On XX/XX/XXXX appointment XXXX, a check for XXXX was deposited into Capitol One account via mobile deposit as there are no Branches in the State I reside in. Immediately recieved an email stating the check was recieved. The recieved additional email stating funds would be held until XX/XX/XXXX, there is a weekend between these dates. After 24hr none of the funds were release, after 48 hours none of the funds were released. Contacted Capitol One to ask for partial release and was informed they do no do partial release on the type of hold they had on my deposit. Asked for reason for hold they just said due to the amount that was there standard hold. Spoke with supervisor, reason given was they had not recied the funds or response from the other bank and would hold for that pending information. Again asked for partial release and was advised due to the type of hold they could not release any funds, asked again what the hold was for and again no reason could be given other that that's just the type of hold.
Product: Payday loan, title loan, or personal loan

I received an offer by mail from Lendly ( XXXX ). I accepted the offer and was approved instantly online. I was provided several different loan options. I made my selection and was then provided with a link to verify my checking account and deposit information. The link did not work correctly. I reached out to their live chat and spent over an hour trying to enter passwords and account information. Finally I was told they had IT issues with the account verification process and were hoping to get it fixed soon. My only other option was to manually upload the documents. I logged out and then logged back in and was not able to access anything. I clicked on the account information link and learned my approved loan was changed to denied. I called them to confirm if this was correct and they said yes I was approved for the loan but they changed the decision. My complaint here is, when a loan company approves someone for a loan, they should not be allowed to cancel the loan after an official approval has been provided. I wasted an hour of my time today on this pathetic company. I understand the difference between a pre-qualified vs a pre-approved loan offer. In this case it was an approved loan with an offer made by the lender which I accepted and they then denied.
Product: Credit reporting or other personal consumer reports

I wish to employ my right as pertaining to 15 U.S. Code 6801 ( b ) ( 3 ). I am requesting for the eradication of unverified, old, false, and/or any other information which could result in my substantial harm or inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVED. 

XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed through XXXX XXXX. Saw a good deal and wanted to buy it, the description said to contact a number. While communicating, they said they were in a different place and had to ship, the shipping was {$30.00} ( product only {$16.00} ) After communicating in sms message, I sent them {$50.00} through zelle. They sent XXXX XXXX of them going to XXXX and pretending they are paying and going to ship it. They later said the cost for shipping is actually more then {$30.00}, they said I have to pay {$65.00} which I said no to and asked for my {$50.00} back, they refused and claim that they didnt receive the money. They later tried to XXXX XXXX  the item and also sent a XXXX XXXX  from XXXX. 

This started in XX/XX/XXXX XXXX I sent the money through zelle using the XXXX app in XXXX on the same day. 
Called XXXX and Zelle on XX/XX/XXXX, none of them can do anything about it. 

I have full proof of everything including the text and the number and email they send for me to send the money. 

Oh and the number they provide said its not registered with Zelle but the transaction went through and wasnt pending.
Product: Credit reporting, credit repair services, or other personal consumer reports

Still reporting on my credit and has not been removed. Comments on XXXX  XXXX for XXXX states its in dispute but still has not been taken off. What is the delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the accounts listed below are still reporting on my credit report in violation of Federal Law. Transunion failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

American Express called my mom about my account being delinquent. She told than I do not live there and tried to give them my phone number. They would not take it. They then tried to bully her into making a payment. She told them no and since they would not take my phone number she said she would call me and relay the message. Then she got a letter in the mail saying they took money out of her checking account. Her checking account information has never been associated with my credit card. This is totally my credit card I got an additional card with her name it for her to use as a supplemental card in case I needed her to. She has never used her card. They used her information that I gave them and looked to see if she had a card of her own which she does. She has had her own card for over 20 years. They then got her checking account information and took the money without her consent. They stole her money. They said they put the money back in my checking account and when I asked them why they would do that then they came back and said they aint a check out to my mom already and that she should get it by the XXXX of this month. She kept saying do t worry. Well it is too late for that. My mom has had to borrow mo eu so she could pay her bills. They said they wanted {$160.00} paid on the XXXX of XXXX I paid {$170.00} and they still took that much out of her account and then they stole another {$1400.00}. That is not not right!
Product: Credit reporting or other personal consumer reports

I looked at my credit report on, and noticed some things are incomplete and not accurate. I sent a letter to XXXX and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. They are breaking the law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

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

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has a reasonable cause to believe that the information is inaccurate. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer reporting agency if- ( i ) the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too.
Product: Debt collection

I have disputed this account with the company and bureaus on : XX/XX/XXXX and XX/XX/XXXX. I have asked removed the account from my bureaus due to this is error on the hospital. I had 2 health insurance which cover all cost and the hospital did not run my second one. I informed the hospital on XX/XX/XXXX and at that point is was too late to for them to run the claim with the insurance company. They said they will take care of it and use financial aid per the customer service representative in the billing department. They have removed this account from XXXX  on XX/XX/XXXX.
Product: Credit card or prepaid card

This issue was to be resolved on XX/XX/2021. I was issued a gift/credit card for a return that I made. The amount placed on the card was around XXXX. When I scratched the numbers off on the back of the card, the four digit pin was not readable. I have made numerous phone calls and email with their customer service. I was promised numerous times that I would be issued another gift card. It is now XX/XX/XXXX, they do not return my emails, and I get the same run around when I call.