23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

The loan I applied for on XX/XX/XXXX and was denied on XX/XX/XXXX. The dealership mailed a signed " notice of election to rescind '' the contract and I was pressured to return to the dealership during the third week of XXXX. The salesman I originally worked with was not on site to explain what was going on but I had to sign some new paperwork and was told that my {$1000.00} deposit was being moved to a new contract that would allow me to keep the car. This new contract was signed that same day during the third week of XX/XX/XXXX. One week later Flagship Credit Acceptance contacted me saying I had a payment due in two weeks. My first two payments to Flagship were deemed late and when the Flagship representatives asked me why I was making late payments, I explained that I was under the impression that I did not owe them money and that I was confused as to what was happening. I've since then, located a copy of the Notice of Election to Rescind and contacted Flagship to ask for a copy of the contract they are executing. I contacted Flagships customer service via email on XX/XX/XXXX along with a supervisor by the name XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to no avail. I also contacted another supervisor, XXXX XXXX, via email on XX/XX/XXXX. In each email I have attached a copy of the " notice of election to rescind '' for the contract dated XX/XX/XXXX and asked for a copy of the contract being executed. The company will not respond to me and continues to report information to the consumer reporting agencies that is damaging to my report. Please help.
Product: Credit card

I recently reviewed a copy of my credit report in experian. I was shocked to learn that I have been a victim of identity theft. I found an account on my credit report that were not open by me. Please remove the fraudulent account from my credit report as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/20XXXX XXXX
Product: Credit card or prepaid card

As of XX/XX/XXXX I opened an account with Synchrony Bank on a multi-year split payment contract assuring even payments, no fees, and no-interest assuming no late payments. After assessing late fees I corresponded with a representative on XX/XX/XXXX regarding my balance and fees and was advised that making my initially assigned payment ( per contract ) fees would be dropped and my monthly balance would return to as written on contract. Afterwards, my account was never properly adjusted and I continued to receive late payment statements. On XX/XX/XXXX I spoke with a representative XXXX who informed me I had been misinformed and assured me an internal investigation would be opened regarding the representative who handled my account on XX/XX/XXXX, and should they find I was misinformed their " back offices '' would adjust my account as balanced. After receiving no correspondence, I contacted Synchrony on my payment due date to make my payment and discuss my investigation. I was informed on XX/XX/XXXX by XXXX that my investigation was concluded on XX/XX/XXXX and they had found that the representative I spoke with had not misinformed me despite XXXX 's assessment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying get this off for almost a year, I have sent letters, made calls and filed disputes and file complaints, with little to no response or results. XXXX has placed an closed Entergy bill paid in XXXX XXXX on my credit report in the closed section, as a XX/XX/XXXX reporting date with a {$99.00} balance, reporting it was in collection before paid XXXX earlier. All three credit beau Transunion, XXXX and XXXX are reporting inquires that is not mine Certified credit XXXX XXXX  XX/XX/XXXX, Data Facts XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, and XXXX XX/XX/XXXX. Transunion XXXX XXXX XXXX XXXX inquires that is not mine. XXXX is reporting XXXX XXXX XXXX XX/XX/XXXX, is not mine. A address XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, AR XXXX not my address. and Transunion and XXXX is reporting a address XXXX XXXX XXXX XXXX, CA XXXX is not mine Incorrect reporting of my name XXXX, XXXX Please remove from my credit report items that are not mine and correct my name please.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I used a debit card with PayPals Bill Pay service for {$990.00}. PayPal accepted the transaction and charged the debit card, but did not send the payment to my vendor, XXXX XXXX XXXX XXXX. PayPal has a transaction ID which they claim is proof that the transaction was successfully completed. The vendor has not credited my account. I've contacted the vendor several times and they have not received the payment from PayPal. I've used PayPal to make similar payments quite often without issue. I've tried to resolve this issue multiple times with PayPal but all have been unsuccessful. The case I opened with PayPal was # XXXX. PayPal closed the case stating the transaction completed successfully. I appealed it and they closed the case again with the same response. On XX/XX/XXXX I initiated a 3 way call between PayPal and XXXX. The XXXX representative explained that they investigated extensively and did not receive the payment from PayPal. The PayPal representative used this information to re-submit the case with a new reason code. On XX/XX/XXXX, I was notified by PayPal that my case had been denied again based on the merchants response and the information we have to date.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my third 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt or credit management

There's a company that's charging people a little bit of money. For information that's in the closets of credit. To help eliminate credit debts. My problem is I don't have loans I don't have no issues with credit. But my score is XXXX. And I'm trying to change that from XXXX to XXXX. 

So my question is what documents would I need to send to the credit bureau. To have my score opted up. Instead of at XXXX. 

I want to buy a house and a car. With no cosigner. And with a high credit score. All doors open. XXXX XXXX break all holds on my financial life. 


And I'll keep my bills paid on a timely fashion. 


If I could get a chance without paying for something I don't use but need badly.
Product: Credit reporting or other personal consumer reports

Here is the list of fraudulent inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
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 XXXXXX/XX/XXXX
Product: Consumer Loan

Regional Acceptance failed to send me notice of the " insertion of negative information being submitted to the credit bureaus '' I sent a letter to Corporate making them aware that they violated FCRA 623 ( a ) ( 7 ) Negative Information / ( A ) Notice To Consumer -- ( B ) Time Frame Instead of acknowledging the intent of the letter which was pointing out the above law, they chose to take the letter as if I was disputing the " PAYMENT HISTORY '' I was NOT! This complaint would be a duplicate complaint if I was disputing the payment history. 

I called today XX/XX/2017 and management asked what law was I claiming they violated, he stated that it was a note in the monthly statement ( XX/XX/XXXX ), which do n't clearly speak about inserting negative information to the credit bureaus. Regional Acceptance was Obligated to send me a separate notice notifying me of negative information being submitted to the bureaus and failed to do so. The XX/XX/XXXX statement the manager mentioned was irrelevant, because by XX/XX/XXXX the negative mark had already been reported ; the statement notice " threatens that action would be taken '' It had already happened. 

This is not a dispute, I 've been deceived by this company into taking extensions without properly explaining repayment which is what played a part in putting me behind, and my rights were violated according to FCRA 623 ( a ) ( 7 ) Section A and Section B. 

ALSO UNDER FACTA LAWS, REGIONAL IS REQUIRED TO FURNISH ME WITH DOCUMENTATION REGARDING INFORMATION BEING REPORTED TO THE CREDIT BUREAUS. I CALLED XX/XX/2017 TO EXERCISE MY RIGHTS UNDER FCRA 623 ( a ) ( 8 ) The manager never got on the phone to speak with me. Sent messages through reps. 

DELETE THIS 1 LATE PAYMENT FROM MY CREDIT REPORTS ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

On credit report shows account revolving
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from XXXX for the dates of XX/XX/2021 and XX/XX/2021. I received a letter in the mail from Equifax saying that they deleted the XX/XX/2021 inquiry. However, I just ran the credit report on XX/XX/2021. Not only is the old inquiry still there, somehow a new one has popped up.
Product: Student loan

I Received a call from a number who left a voicemail with reference number, called back, party named XXXX XXXX claiming from federal loan department send me a txt message with a code. The person asked for code and I provided and person was able to log into my XXXX account and gave me all the details about my school loans and option as how to pay back. 
my Social was verified, my address and my employer was verified. 
I was send some paperwork to sign and asked for the payment to be applied to Loan.the writer provided XXXX bank account number. 
after the call, I called my school financial advisor and I was told it is a scam. 
I had my credit card locked but iam still worried about my other information. 
the number that was given to me to call back is XXXX, initially a femaile called with the name as XXXX and a reference number provided ( XXXX ).
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, that transunion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXXXXXX XXXX XXXX XXXX  Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate debt XXXX XXXX - XXXX Section 807 Violation Misleading- Investigate and make sure everything is correct if not delete it from my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not As the original creditor, only I can validate this debt. I do not validate This Debt These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the following account which I believe appears to be inaccurate and incomplete be immediately investigated and DELETED on my credit file. 
XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

After viewing my credit report Capital One ran my credit 6 times with XXXX, XXXX and XXXX, I need sign documentation that i gave them permission to run y credit, the s fraudulent and needs to be deleted off of all of my credit reports.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance - XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Balance : {$720.00} XXXX XXXX XXXXXXXX Balance {$190.00} XXXX XXXX XXXX Balance - XXXX XXXXXXXX XXXX Balance - XXXX  XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX Balance - XXXX XXXX Balance - XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$600.00} XXXX XXXX XXXX XXXXXXXX Balance : {$1200.00} XXXX XXXX XXXX  XXXX Balance : {$2100.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance {$210.00} XXXX XXXX XXXX Balance {$3400.00} XXXX XXXX  XXXX XXXX Balance {$3000.00} XXXX XXXXXXXX XXXX XXXX : {$190.00} XXXX XXXXXXXX XXXX XXXX : {$180.00} XXXX XXXXXXXX XXXX Balance : {$120.00} XXXX XXXX XXXXXXXX Balance : {$190.00} XXXX XXXX XXXXXXXX Balance : {$43.00} XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XXXX Balance : {$460.00} XXXX XXXX XXXX XXXX Balance {$1000.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  XXXX ) XXXX Balance {$820.00} XXXX XXXX XXXX ( XXXX XXXX  ) XXXX Balance {$840.00} XXXX XXXX XXXX XXXX Balance {$3600.00} XXXX XXXX XXXX ( XXXX XXXX ) XXXX Balance {$400.00} XXXX XXXX XXXX Balance {$1900.00} XXXXXXXX XXXX XXXX XXXX Balance - XXXX XXXX XXXX Inquired XXXX XX/XX/XXXX XXXX XXXX Inquired on XXXX XXXX, XXXX XXXX XXXX Balance {$7800.00} XXXXXXXX XXXX Inquiry XXXX XXXX, XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

IN XXXX I WAS CONTACTED BY A XXXX CREDIT BUREAU REGARDING A DATA BREACH AND WAS TOLD THAT MY PERSONAL INFORMATION INCLUDING NAME BIRTHDATE AND SOICAL SECURITY WAS COMPRIMISED. A FEW YEARS LATER I WAS RECIEVING EMAILS ON HOW TO PROCEED WITH A SETTLEMENT FROM XXXX REGARDING THE DATA BREACH. AT THE INITIAL TIME THAT I WAS INFORMED OF THE DATA BREACH I CHECKED MY CREDIT REPORTS AND FOUND NO SUSPICIOUS ACTIVITY SO I ASSUMED EVERYTHING WAS FINE. BUT AS OF RECENTLY ( XX/XX/XXXX ) I HAVE COME TO FIND THAT MY INFORMATION HAS BEEN USED TO OBTAINED SEVERAL CREDIT CARDS IN MY NAME BUT WAS NOT MAILED TO MY RESIDENTIAL ADDRESS BUT WAS INSTEAD MAILED TO A DIFFRENT LOCATION. THE CULPRITS THEN MADE PAYMENTS ON THESE CARDS FOR A PERIOD OF TIME TO GAIN MORE CREDIT CARD FROM THESE CREDIT COMPANIES AND THEN MAXED THE CARDS OUT AND EVENTUAL STOPPED PAYING, I HAVE REACHED OUT TO THESE COMPANIES WIH LITTLE TO ANY RESULT BUT A FAMILY MEMBER INFORMED ME I SHOULD GO FILE A POLICE REPORT REGARDING EACH FRAUDULENT ACCOUNT ( WHICH I HAVE NOW DONE ) AND FILE A COMPLAINT AGAISNT THESE COMPANIES -XXXX XXXX ACTT # XXXX -BALANCE {$1700.00}, XXXX XXXX ACCT # XXXX BALANCE {$1100.00} IS A FRAUDULENT ACCOUNT,, THESE ACCOUNTS ARE AFFECTING MY ABILITY PURCHASE A HOME AND I NEED HELP.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate payment information listed on my credit report. This letter serves as my request under the Fair Credit Reporting Act ( FCRA ) for your agency to investigate and correct these inaccuracies promptly. 

The information in question is as follows : CREDITOR NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are 2 accounts which completely has obvious inaccuracies EXAMPLE 1 DATE OPEN XX/XX/XXXX CORRECT ON BOTH EQUIFAX AND XXXX XXXX {$9400.00} XXXX {$2100.00} EQUIFAX ( ERROR ) STATUS CLOSED XXXX XXXX EQUIFAX ( ERROR ) EXAMPLE 2 DATE OPEN XX/XX/XXXX CORRECT ON BOTH EQUIFAX AND XXXX BALANCE {$55.00} XXXX {$610.00} EQUIFAX ( ERROR ) STATUS CLOSED XXXX OPEN EQUIFAX ( ERROR ) Nature of Dispute : Inaccurate Reporting of account information This is the XXXX attempt you are clearly in violation of Federal Consumer Laws. 

Under 15 U.S. Code 1681i, I have the right to request an investigation of disputed information. If your investigation finds the information to be inaccurate or unverifiable. I request that it be removed from my credit report immediately.
Product: Debt collection

XXXX XXXX ( Original Creditor ) sent accounts to Paramount Recovery Systems. XXXX accounts are reporting from them and some removed and some not. The amounts were {$450.00}, {$420.00} & {$360.00}. The {$450.00} was not filed with my insurance correctly and due to the time frame i never received any communication that I owed any amounts. {$360.00} I did not have insurance and on the documentation provided their records states do not file but they put on my credit any way. This was to be cleared as a charity case as this is what information I signed stating this would be taken care of. Now the last {$420.00} ( visit in XXXX ) was never filed through my insurance until a year later ( XXXX ) and XXXX verbally assured me that it was their fault they did not file it properly as they had already had my insurance information. They updated the balance on my credit to {$97.00} but i was assured I was not liable for this as the claim was written off. I am very frustrated as i have disputed this with the credit bureaus and they are refusing to delete or stating the information is correct. Since then I paid the crazy {$97.00} even though I felt as though i should not because this was not my error and I again never received a bill stating the balance. I only have my XXXX. This creditor is hindering my chances of getting a home and its frustrating when i tried to work with both XXXX and PRS and got no where. XXXX stated they would inform PRS to delete this entry but PRS stated they were looking into it and never got back with me. I am furious that the Credit Bureaus XXXX & XXXX care nothing about the proof i have sent over and over yet they keep these collections on my account.
Product: Checking or savings account

I completed a deposit of {$1200.00} to my savings account at M1 Finance on XXXX XXXX XXXX XXXXXX/XX/year>. I was displeased with the speed of the deposit and the lack of customer support within that time frame so i decided to withdraw all my money to the same bank account i deposited it from and close my account. As soon as i initiated the withdrawal request and account closure process, M1 decided to " freeze '' my account and required me to " submit documentation '' in order to unfreeze it. I promptly submitted all documentation ( multiple times because they kept asking over and over for some reason ) and yet still they have not responded regarding unfreezing my account and giving me my money.. I simply want my money returned to me & my account closed. I have XXXX intention of doing business with this crooked company ever again.
Product: Mortgage

In 2015 I filed for Bankruptcy. .I re-affirmed my mortgage with Wells Fargo Home Mortgage and the paperwork was filed with the XXXX . My Meeting of the Creditors was XX/XX/2015. My discharge was XXXX/XXXX/2015. Wells Fargo instead of showing my payments which have never stopped since the Bankruptcy Began are showing that the mortgage was included in bankruptcy ( XXXX/XXXX/2015 ). They denied me a new account for this same reason after pulling a credit report. They are reporting incorrectly the information to all XXXX credit reporting agencies - XXXX. XXXX & XXXX. This is seriously affecting my credit since I have made sure to have this paid and reaffirmed as part of the credit rebuilding process. I have called them and sent them emails about the reaffirmation and they had not associated to the account until after I spoke to a representative on Wednesday of this week XXXX/XXXX/2015. I need them to correct my information ASAP. Can you please mediate for me. Thank you.
Product: Credit card

I opened a charge dispute with Chase on XXXX XX/XX/2023 regarding a purchase from a website that I found to be fraudulent. I have still not received the product ( XXXX XXXX XXXX  ) and the company ordered from, XXXX XXXX, can not be reached. 
Chase told me on XX/XX/2023 that they had to give the company 15 days delivery time as that is what the delivery time on the website stated. Then they would continue the dispute. Today, XX/XX/2023 I looed at the Chase app and the dispute still states " '' Dispute status - Under merchant review ''. I called Chase as I now show a minimum payment of {$40.00} due and the dispute states that while under review no payments are due. Today the Chase operator told me the dispute was closed on their end. My Chase app shows it is still in dispute. 
The Chase operator said she will open a new dispute as on her end it shows closed. It will take an additional 35 days to resolve she said. This is after I have already waited 35 days. I paid the entire balance on the card today. I now show two disputes that are in progress on the Chase app, each for XXXX XXXX for {$99.00}. No recently closed disputes.
Product: Credit card

on XXXX XXXX 2014 synchrony bank put a hard inquire on my credit report without my consent i have never tryed to get anything from synchrony bank
Product: Vehicle loan or lease

I have filed Chapter 7 in XXXX and I included all debt excluding my car, XXXX XXXX XXXX financed by Condor Capital. I have voluntarily been making payments on this vehicle since XXXX. I have been contact with the company that has taken over Condor Capital since they have closed. I have been mainly in contact with them recently because I am in the process of purchasing a home and I needed to eliminate some debt, after speaking to several people in the billing department I have learned that they allege my balance to be XXXX as of XXXX/XXXX/XXXX. I have offered to make a settlement with this company in exchange of the lien being removed and they referred me to my the attorney who filed the bankruptcy. I also have not received and receipts or updates about my account since they have taken over. I have also asked once the allege amount is paid how will I know or how will I receive the title to this vehicle and they informed me that they would mail out documents that I would submit to the DMV. I also asked if I wanted to give the vehicle back what and how to handle that issue and i was again referred to me attorney. I need help with resolving this account, I truly do not believe I owe this allege amount which is why I am trying to offer a settlement.