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

Finance manager illegally pulled the credit more than once for me ( XXXX XXXX ), and mom ( XXXX  ) with institutions we never instructed the sales person. We only authorized to apply with XXXX XXXX XXXX and he pulled with XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXX ( never authorized ), XXXX XXXXXXXX ( never authorized ), XXXX XXXX ( never authorized ) and XXXX XXXX ( never authorized ). XXXX XXXX XXXX directed the auto loan to XXXXXXXX XXXX at a higher rate than the one with our financial institution, and falsely tried excusing himself using a credit score of 760 for my mom, to which we demonstrated 829 for 2 agencies and 798 for one for her, and the ability to get the best rate offered by our financial institution of 5.24 %. After being caught amazingly he lowered the rate for the non preferred institution to 5.33 %. The fraudulent practices by this individual are performed after a 5 hr long period and with the individual not letting the customers read the full documents, and speeding up not to be caught. Fortunately I caught him, after I paid XXXX with my credit card to the dealer, and his behavior was certainly strange after demonstrating all his lies and illegal practice. The fraudulent actions damaged my wife 's and my daughter 's credit score with the inquiries, and they ended paying slightly more to the non-preferred institution, abusing of the three persons involved in the purchase ( my mom, my dad and myself ) being tired of the unpleasant experience of buying a car with them, and arguing about : 1 ) trade-in value ; 2 ) being forced by the dealer to buy unwanted additional items not yet installed ; and 3 ) The fraudulent actions from XXXX XXXX XXXX to earn a referral fee from XXXX XXXX  XXXX Regardless of that the fraudulent Finance Manager pulled the credit with 6 unauthorized institutions instead of pulling with the only one instructed to the sales person XXXX XXXX which was XXXX XXXX XXXX, damaging the credit for both myself and my mom.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I paid both my XXXX accts - last four digits XXXX & XXXX. 
The customer rep applied both payments to XXXX ( first issue ). I requested the {$31.00} credit be applied to # XXXX - it never happened ( second issue ). 

I then recvd a credit balance check from XXXX for {$31.00}, after requesting the credit balance be applied to ( XXXX ), and at this point I knew something was wrong. I called in again, and find out my acct XXXX was ( 30 ) days past due ( third issue ). XXXX had the payment & never applied it to the correct account ( XXXX ) All of this started with customer agent misapplying a payment, it got worse when the {$31.00} credit balance on acct # XXXX was never applied to acct # XXXX. 

All of my FICO scores fail by XXXX points ... a LIFETIME of effort to obtain XXXX FICO scores wiped out by XXXX error XXXX I've sent a half dozen letters attempting to get someone to look at y situation, and all I ever get is a form letter - never any " live person '' assistance. 

This issue has affected my business, due to lower scores I've been denied credit on several occasions. This has affected my family finances and my XXXX  well being, as well as my XXXX XXXX - XXXX XXXX, XXXX XXXX - losing XXXX FICO scores is a life/ business changing dilemma. 

No one at XXXX 's seems to care, and that is the worst part of all this- i am voiceless to XXXX ... at some point common sense & humanity should take over to resolve " one off '' situations like this. 

Please see my situation & help the madness be corrected. 

XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I'm trying to find a rental property on XXXX and paid there {$XXXX0} application fee and the credit bureau that XXXX uses for a background check is XXXX XXXX of decision a third-party company that gets there information from Experian  and my background information shows that I have a housing court record on my record I disputed the housing court record because of mistaken of identity because my mothers name XXXX XXXX sound and looks close to mine XXXX XXXX with XXXX and they investigated my dispute and XXXX had deleted the consumer statement and removed it from my credit report but XXXX XXXX XXXX XXXX XXXX hasn't removed the housing court record from my credit report since XXXX has I figured that the information would be deleted and removed with every credit bureaus with Experian  and XXXX and XXXX power of decision
Product: Credit card

I deposited {$300.00} cash in the Capital One bank branch on XX/XX/year> and they did not post it until XX/XX/year>. When i look online at my transactions the date of the payment says XX/XX/year> but funds were not accessible until XX/XX/year>.
Product: Debt collection

I received a letter claiming I owe money, but according to the original company I do not. I believe this is a scam.
Product: Credit reporting or other personal consumer reports

On XX/XX/2024, I leased a car at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX. During the lease application process, I was notified that two credit inquiries appeared on my TransUnion credit report. The first inquiry originated from the dealership, identified as " XXXX XXXX XXXXXXXX '' The second inquiry, however, was from an unexpected source : " XXXX XXXX XXXX. '' I was surprised that both the dealership and the financial services company accessed my credit report and did a hard check. 

Two days after finalizing the lease agreement on XX/XX/2024, I received another notification regarding a credit inquiry on my TransUnion report. This third inquiry also originated from " XXXX XXXX XXXX. '' I understand that credit inquiries are typically performed periodically when applying for new lines of credit, such as credit cards. However, in this instance, " XXXX XXXX XXXX '' conducted a second hard inquiry within just three days of the initial inquiry, which seems unnecessary.
Product: Vehicle loan or lease

American Credit Acceptance used false advertising, false and misleading information to deny credits for an automobile. Pursuant to 15 United States Code 1681b- permissible purposes, the application process along with an account was conducted and opened without my written authorization or consent while getting denied for an auto loan when American Credit Acceptance received actual cash value on the face of the unauthorized application which constitutes the denial of the application as extortion of credit where Ive suffered a loss through a financial transaction funded by me where the material facts and misrepresentation werent disclosed to me. American Credit Acceptance paid XXXX for the consumer report which serves as an asset of income and therefore American Credit Acceptance received an intangible asset. The denial also is a prime example of employees at these companies using discriminatory practices to extort credits from applicants by using deceptive business trade practices which violates anti-trust laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  : # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

This collection does not belong to me. I believe I am a victim of identity theft. I have never lived at this location, Ive never signed a lease, and the address linked to this fraudulent lease is not, nor has it ever been tied to me. Ive reached out to the property on several occasions over the past few years asking for a signed lease, and asking them if they have any ID of mine on file, or any camera footage from the day the lease was signed. I have reached a dead standstill. This colloction has since caused me to become homeless as I am unable to get property in my OWN name due to this balance.
Product: Credit card

Dear CFPB, I am filing a formal complaint concerning fraudulent activities and potential violations of consumer protection laws following my inclusion in the XXXX data breach. These events have caused significant harm to my credit profile and financial well-being. 
Issues Identified : 1. Unauthorized Accounts : I have identified multiple accounts opened in my name, which I did not authorize. These include accounts with : * Continental Finance * XXXX XXXX XXXX XXXX XXXX  XXXX * XXXX * XXXX XXXX XXXX  XXXX XXXX XXXX 2. For instance, XXXX XXXX reflects a negative balance for a credit card account I never opened. Despite their prior legal issues and settlement, I have received no restitution or communication from them. 
3. Unverified and Predatory Balances : These accounts show balances and interest charges that are unclear in origin. I have no knowledge of incurring these debts, and the lack of transparency raises concerns about predatory practices. ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX 4. Unauthorized Address Listings : My credit report lists addresses I have never resided at or provided. This misuse of my personal information further indicates data-sharing or mishandling across organizations. 
5. Violation of My Rights Under the UCC : Per UCC 2-601, as a consumer, I have the right to reject non-conforming goods or services. These accounts and charges fail to conform to any legitimate agreement between myself and these companies. I request that these companies provide wet-ink signed contracts or equivalent proof of my authorization for these accounts. 
Requested Actions : 1. Conduct a full audit of these companies and their records related to my accounts, including : * Validation of balances and interest charges. 
* Examination of how my personal information was obtained and shared. 
* Verification of contracts or agreements purportedly authorized by me. 
2. If these companies can not provide adequate proof of authorization : * Remove all negative entries related to these accounts from my credit reports immediately. 
* Restore my credit profile to its original, accurate state. 
3. Investigate potential violations of consumer protection laws, including : * Unlawful use of personal data obtained through the XXXX breach. 
* Predatory practices exploiting compromised information. 
4. Ensure full compliance with credit reporting standards and notify me of the investigation 's outcomes. 
Conclusion : The actions of these companies and their failure to protect my information or provide transparency have caused undue financial and emotional distress. I urge the CFPB to take swift action to hold them accountable, ensure compliance, and protect consumers like myself from further harm. 
Thank you for your attention to this matter. I look forward to your response and a resolution to these issues.
Product: Debt collection

This is an illegal attempt to collect on an alleged debt that is actually owed to me and I have filed a lawsuit against the original creditor ( s ) for Housing Discrimination, Breach of Contract, Fraud, and other causes of action. 

Please see attached Complaint Letter against Fair Collections & Outsourcing, a debt collection agency, and the corroborating Exhibits, who is illegally attempting to collect on a debt that is actually owed to me by Original Creditor.
Product: Debt collection

Please find the attached record of the account being deleted XXXX. 

I contacted Transinion previously to have an investigation completed yet they havent provided me with anything.

Transunion failed to properly investigate and resolve my previous dispute. 

XXXX has provided me with the attached letterhead stating I have no account. If the merchant is unable to locate the alleged debt, how does transunion still hold me responsible. 

XXXX, XXXX have deleted the account. Transunion continues to illegally use my name and information to further cause me economic distress
Product: Checking or savings account

On XX/XX/year>, I called and spoke with a banker from Wells Fargo about the ATM FEES increasing from {$2.00} to {$3.00} on my first Transaction in XX/XX/year>. XXXX could not locate anywhere in Wells Fargo Disclosure that was an effectived change with the NON- Wells Fargo ATM Fees. Of course I did record the entire conversation with the banker. 

I Noticed Wells Fargo has continue to offered three ( 3 ) features to accountholders One ( 1 ) Stop Future Payments, Two ( 2 ) Stop Future Reacurrings, Three ( 3 ) Stop a Check. When I click upon my information, I previously put into place ( with Confirmination # 's ), I notice All I see is a negative amount of {$190.00} that is presently being disputed. Of course I did take a picture of the information before Wells Fargo Stop Payment Department decided to take my requested information from over a year down last month to justify the reason a check was paid, but should have been stopped. I have several friends that are customers with Wells Fargo, and I have seen their information is still showing for them to use Stop Payment Information presently or in the near future. Why has my requested information has not been visible for me to review?
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed off a letter to Experian and XXXX on XX/XX/2022 of a bankruptcy that was on my credit file that needs to be removed. It been 111 days no answer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX  XXXX, MD XXXX LITIGATION ( EXPERIAN ) CASE NUMBER : XXXX Letter Date : XX/XX/XXXX Date of Birth : XX/XX/XXXXXXXX  SS # : XXXX To Whom It May Concern : YOU ARE NOW BEING SUED ( LITIGATION ) FOR DEFAMATION OF CHARACTER. YOU HAVE FORCED MY HAND FOR THE FINAL & LAST TIME. 
PLEASE HAVE YOUR LAWYER TO CONTACT ME IMMEDIATELY TO RESOLVE THIS MATTER TO AVOID GOING TO COURT AND PAYING. I AM WILLING TO SETTLE OUTSIDE OF COURT, PLEASE CONTACT ME IMMEDIATELY SO THAT WE CAN RESOLVE THIS MATTER WITHOUT PAYING ME THE ( {$5000.00} ) IN DAMAGES TO NOT ONLY MY GOOD NAME, BUT THIS HAS CAUSED A LOT OF PAIN MENTALLY AND FINANCIAL PAIN TO HELP NOT ONLY MYSELF BUT MY FAMILY. ALL I WANT ARE DELETIONS OF ALL OF THESE FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO NOT ONLY IDENTITY THEFT AND FRAUD BUT ALSO THE EXPERIAN DATA BREACH SITUATION! .ALL MY RIGHTS HAVE BEEN VIOLATED. EXPERIAN HAS REPEATEDLY DELETED AND RE-INSERTED FRAUDULENT ITEMS ON MY CREDIT REPORT DUE TO IDENTITY THEFT AND FRAUD. THIS IS SERIOUS!. YOU HAVE XXXX CHOICES, EITHER DELETE ALL THESE FRAUDULENT ITEMS ON MY CREDIT REPORT ( JUST DELETIONS ; OR DELETE & PAY {$5000.00}. ALL I REALLY WANT ARE DELETIONS & THATS IT!. BUT IF I'M GIVEN A HARD TIME & MORE OF MY TIME IS WASTED WITH JUST DELETIONS I WILL SEEK ALSO THE WHOLE {$5000.00} PLUS DELETIONS. THE CHOICE IS YOURS!. I DEMAND THESE FRAUDULENT ITEMS ARE REMOVED IMMEDIATELY! MY CONTACT IS LISTED BELOW. 


EMAIL : XXXX cell phone number : XXXX XXXX XXXX Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle from XXXX  in XXXX under my business account to which I was tall and was under the impression was not going to show up on my personal credit and it do I request to have that removed off of my personal credit and I was told that thats not possible so I need a better understanding to how I purchase a vehicle under my business account under my business name under my business EIN in number but its on my personal credit report.You have two separate entities for a reason I was told that XXXX  will just do one hard inquiry on my personal credit report and my vehicle payments and information will be available on my business report which is not showing true. XXXX also need to update my old account to which they still have it shown active which is incorrect information which is affecting my credit report
Product: Debt collection

In XXXX we had a XXXX  plan through the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ). It cost $ XXXX. For the XXXX plan year it increased to $ XXXX. We did not renew the plan, and never paid a binder payment for XXXX and the plan we never in effect. We have contacted XXXX many times and were reassured it was taken care of. In XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, a debt collector ) has contacted us to collect {$1400.00} for XXXX XXXX premiums for XXXX. 

We provided XXXX XXXX XXXX XXXX XXXX, which shows we had a marketplace plan in effect with XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX for XXXX of XXXX months in XXXX. XXXX XXXX received {$8400.00} in federal marketplace subsidies from the federal goverment under this plan. 

XXXX XXXX has also collected a similar amount from the federal government. This is illegal. It is impossible to have two plans in effect at the same time. Despite being informed many times, XXXX XXXX continues to attempt collections. 

We have received a letter from XXXX that negative information has been added to my credit bureau account regarding this invalid debt. 

XXXX XXXX has become unresponsive to our further attempts at resolving the issue and will not provide documentation. 

A dispute with XXXX XXXX Collections was submitted, however they have not responded to our dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I contacted Transunion and XXXX on XX/XX/XXXX to alert the fact that I had multiple credit inquiries that I did not authorize. The customer service representative would not assist in investigating or helping remove the unauthorized inquiries. 
Below is the list ( by company, inquiry date, etc ) : Transunion : XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX , XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX-XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX/XXXX XXXX- XX/XX/XXXX XXXX-XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX/XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX, XX/XX/XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and noticed I had late payments on one account and I was never late, they took vital information to the max and I was never late on this account. XXXX XXXX XXXX XXXX XXXX XXXX, Please investigate and provide bank statements that this account had late payments. If proof can not be provided, I demand that this account be current with no late payments. Thank you so much.
Product: Checking or savings account

I purchased a laptop from XXXX online. I never received this item. Despite it being weeks late, and tracking never actually updating or applying to my purchase. I spent weeks with various XXXX departments back and forth with no help. They initially said via chat that it wouldn't be an issue and that the item would be refunded due to them seeing the same issues with my order as I saw. But it didn't happen and for no given reason my account was simply shut down. No response from them since despite numerous attempts. 

I then filed a chargeback with Chime showing all communication with XXXX, tracking records, porch camera recordings, emails, and bout XXXX other documents all proving my case without a shred of doubt. Despite this they still declined my dispute with no given reason and have not given me the documents they supposedly made this choice based on. 

I no longer have the XXXX documents I gave to chime but they SURELY have them in their system along with my dispute. If I need to find my old phone and somehow gain access to its XXXX systems I WILL do so. I wont let this go. XXXX is full of stories just like like mine from Chime and I'm tired if their theft. 

If Chime refuses to provide you with the documents I uploaded to them directly to their system from the Chime app, as requested, please contact me and I will take the steps to recover all of it myself should it become necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previously sent a security freeze request letter to CoreLogic. Still, in their response letter they sent me back, they told me that CoreLogic Credco is a reseller of consumer report information provided by the three National Consumer reporting agencies, so basically, they are not able to put a security freeze with the credit bureaus on my behalf when I did not ask them that because I'm asking CoreLogic to place a security freeze on my CoreLogic credco Consumer Report. I also sent CoreLogic all the information they needed, including a copy of my driver 's license, social security card, and utility bill. However, they still did not place a security freeze on my CoreLogic consumer report, so now I'm filing a complaint against them. I also have a copy of a security freeze letter that Corelogic previously placed for me in 2019.
Product: Credit reporting, credit repair services, or other personal consumer reports

Kia auto hard inquiry and I have not tried to purchase a vehicle .some one is using my information
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax ; XXXX and XXXX are reporting incorrectly a collection on the XXXX account number XXXX, in the amount of {$240.00}. ( Please see page 7 of the attached credit report. ) XXXX mistakenly opened a new account when I moved to a new apartment. They transferred my account and consequently added a new account. There were two separate accounts. I called XXXX multiple times and consequently spoke to multiple representatives who were not posting my payments to the correct account. Some payments were posted to one account and some payments were made to the new account. The accounting error belongs to XXXX. This incorrect reporting is harming my credit score and this trade line item needs to be removed from my credit report.