23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed some hard inquiries that do not appear to have a permissible purpose. 
The specific inquiries in question are as follows : 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 or other personal consumer reports

I am sending this coomplaint to address an issues concerning the late payments on my file. It has come to my attention that there have been delays or discrepancies in processing payments associated with the accounts listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed items, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update or get rid of the following items from 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved to obtain goods, services, or cash. Kindly take out the following items. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$9100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1200.00} ; XXXX / XXXXXXXX  XXXX Balance : {$1000.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I sent a registered securities instrument to this company. and for them to act on my instructions that was sent with my registered mail. I have heard nothing back from that and they are holding my securities without out sending me a payment as stated with my instrument. I also seen that they discharged my debt which is on my credit report. under law they have not provided me with a 1099c which is considered tax fraud. My instrument was received on XX/XX/XXXX  addressed to XXXX XXXX. I also sent a email as well to follow up. This is my 2nd mode of trying to fix this problem, before I submit documents for arbitration on this matter.I also found descrepencies on my auto loan the dealer and the bank have different numbers, which is fraud. Also selling of my securities on the market and holding it is considered securities fraud. I will get a forensic audit report done if this is not solved within 15 days of this report.
Product: Debt collection

Move out statement attached is for XXXX XXXX 

The reported amount of for over XXXX XXXX. This company scams and gets over on tenants.
Product: Credit reporting, credit repair services, or other personal consumer reports

one public record is reporting under my experian credit file, which i have never filed any bankruptcies, only experian is reporting this inaccuracy and i have placed few disputes but so far it has taken me no where, i will be attaching the few documents that i had also provided experian. please find attached the documents. 
this inaccurate bankruptcy does not belong tome, this is someone else information reporting under my name, please help me to dispute and remove this inaccuracy from my credit file thank you
Product: Credit card or prepaid card

My daughter booked a hotel for XXXX XXXX in XXXX XXXX on XXXX XXXX, XXXX. When my credit card statement arrived I had a charge for {$2200.00} to XXXX XXXX XXXX XXXX. I had no idea that was the charge for XXXX so I had a different daughter help me put that charge in dispute with Citibank. Later that day I realized that it was a legitimate charge and contacted Citi Card to  take the charge out of dispute, so they charged me back for the {$2200.00}. On XX/XX/XXXX when we arrived at the hotel, we were told we had no reservation, that the room had been canceled by XXXX when we put the card in dispute. My daughter, XXXX, who has been trying to help me get the money credited back to my account has made many calls to Citi and hasn't been able to get a straight answer on how to get the money credited back. She contacted them originally on XX/XX/XXXX and made many calls since, but because of the covid virus, now can not get through to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE REQUESTED CREDIT UNDER MY NAME AND INFORMATION. I REACHED OUT TO EXPERIAN, XXXX AND XXXX TO DISPUTE THE INQUIRES AND THE INCORRECT INFORMATION ON MY CREDIT REPORT. ALL I HAVE RECIEVED FROM THE CREDIT BUREAUS IS STALL LETTERS. I HAVE FILED A POLICE REPORT AND FTC REPORT AND THE CREDIT BUREAUS HAVE FAILED ME. 

XXXX XXXX  XXXX REPORT XXXX XXXX XXXX EXPERIAN REPORT XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX undefined ON XXXX REPORT NONE OF THIS INFORMATION IS MINE, IVE DISPUTED IT SO MANY TIMES AND NOTHING HAS HAPPEN.
Product: Credit reporting or other personal consumer reports

I've made disputes with TransUnion by mail for multiple bankruptcy reporting on my credit report. TransUnion has been notified about this placement on my credit report and in response TransUnion removed two. Now I don't understand how you only removed two that has no account to my address but stated that the other 's are Accurate and Verified when in fact their all the same reporting. I've submitted by mail twice already and no response. 
These agencies aren't government entities but TransUnion is acting like it's a bureau which in fact it's not. TransUnion union is a company that is supposed to follow the FDCPA and FCRA law. When did TransUnion decide their company policy trump consumer rights! Transunion is in violation of 15 USC 1681e ( b ) ,15 USC 1681s-2, 15 USC 1681 ( a ) ( 5 ) Under FCRA 611 ( 15 U.S.C. 1681i ), you're to investigate my dispute and correct any inaccuracies under 15 U.S.C. 1681e ( b ), you must ensure the maximum possibilities. these accounts are fraudulent. TransUnion refuse to disclosure their investigation procedures how these reporting are Accurate and Verified. The following accounts are/ XXXX TransUnion Bankruptcy XXXX XXXX bankruptcy filing Case # XXXX Date Filed XXXX XXXX, XXXX Status Voluntary XXXX XXXX XXXXXXXX bankruptcy dismissed Case # XXXX Date Filed XXXX XXXX bankruptcy dismissed Case # XXXX Date Filed XXXXXXXX XXXX XXXX bankruptcy dismissed Case # XXXX Date Filed XX/XX/XXXXXXXX XXXX XXXXXXXX bankruptcy dismissed Case # XXXX Date Filed XX/XX/XXXXXXXX XXXX XXXX bankruptcy discharged Case # XXXX Date Filed XXXX/XXXX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX, Kohls made a {$2700.00} ACH transfer out of my Bank XXXX XXXX that was not authorized by me. When I called, they told me there were large charges made to my account that I did not make. I spent days calling Kohls and Bank XXXX XXXX to try to resolve this issue. Finally, on XX/XX/XXXX, a credit was made to my bank account. I am a teacher and this unauthored ACH transfer was over 60 % of my net pay. This caused significant stress to me personally. To prevent fraud on my account, I followed Kohls instructions and established a verbal code word that would be asked each and every time I called to verify it was me. In additional I validated my mailing address. Kohls completed their investigation and issued me a permanent credit of {$2700.00} due to fraud. They told me they would issue me a new credit card and mail it to me. 
On XX/XX/XXXX, I called the Kohls Customer Service number, and they did not ask me my verbal code word which was established after the fraud. I asked them if they had sent me a new card and they said yes. I asked what address they sent the card to, and they said : XXXX XXXX XXXX Unit A XXXX, FL XXXX When I found out my new card was sent to the wrong address, I requested to talk with the Fraud Department. Customer Service initially said they could provide a number but could not transfer me to Fraud. At the beginning of the call I told them I had a friend, XXXX XXXX, on the line and I authorized her to listen and ask questions. My friend, XXXX, asked for this issue to be escalated to a XXXX  and they then transferred me to the Fraud Dept. The Fraud Dept. did not ask for my verbal code which was established to prevent fraud on my account. I told them what happened and they said they would send a new card to the correct address and terminate the one sent to the wrong address. 

This issue represents a lack of controls to prevent fraud, inadequate training, and the ability of someone inside of Kohls to make unauthorized XXXX transfers.
Product: Student loan

I received XXXX XXXX  during my XXXX XXXX  that I have been paying off through ECSI Heartland for years now. In XXXX, my university ( XXXX XXXX  ) decided to liquidate the loan and it was sent to the department of education. 
1. I never receive any information about this ( just a billing from the department of education ) and the address on file was correct.

2. I have been on this ridiculous attempt to get the department of education ( efpls.gov.ed ) to process a significant balance missing - approximately {$850.00} is missing. I have contacted ECSI Heartland & the XXXX  and have confirmed that they have indeed mailed AND REMAILED a check with this balance yet the department of education portal does not reflect this. 
3. When I call the department of education - the individuals are completely useless. I am told to call the school or ECSI heartland even AFTER telling them they have mailed the check already and have even dates/ records of them doing this. 
4. This is complete theft- I am paying interest months now on the incorrect balance with no possible way forward to mitigate it. 

The case number from ECSI Heartland is : XXXX The portal from XXXX is not useful - I can not find extraneous information to provide.
Product: Credit reporting or other personal consumer reports

They do not want to send me my reports even though I have sent all my documents and evidence from the court that I do not owe anything, nor do they want to correct the report. When I called and asked for a supervisor, she responded by hanging up the call. I did a chapter XXXX on XX/XX/year> was release. They know that because they already have the information that I sent them trhough certified mail several times.
Product: Debt collection

I asked for details or a XXXX report, as well as I disputed the claim with XXXX who has done NOTHING TO INVESTIGATE!! JUST PRETEND INVESTIGATE!! So I disputed again asking for FULL DETAILS AND DISCLOSURE OF EXACT DATES I HAD A CONTRACT in XXXX who is only NOW in XXXX trying to collect a fraudulent bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

How are you doing this is XXXX XXXX ; I sent out letters on XX/XX/2023 ; The letters went out to XXXX, XXXX, Equifax. However, it's been more than 30 days and the credit bureaus failed to send my investigation break. This is not making any sense. 

According to the law 15 U.S. Code 1681i -Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX  Account # XXXX ***** XXXX XXXX  Account # XXXX XXXX XXXX XXXX  Account # XXXX
Product: Debt collection

MIDLAND CREDIT MANAG XXXX XXXX XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX, CA XXXX Have mention about a lawsuit maybe issue to me if the balance is not paid on a certain day {$930.00} the collections account. I will send in the documents what the dates I have receives these letters plus phone calls.
Product: Money transfer, virtual currency, or money service

I'm writing to formally express my concerns with Zelles handling of disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed previous complaints against Equifax number XXXX and number XXXX. Equifax closed my complaints and refused to comply with my demands. The fraudulent and unauthorized inquiries are as follows : XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXXEQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX EQUIFAX UPDATE XXXX XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$12000.00} XXXX XXXX XXXX - XX/XX/XXXX - {$340.00} INQUIRIES : XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX ONEMAIN - XX/XX/XXXX XXXX  - XX/XX/XXXX
Product: Debt collection

I was a victim of identity theft and as a result an account was opened up with XXXX  with my personal information.
Product: Student loan

I am a victim of student loan identity theft. Navient has contacted me repeatedly and reported this on my credit. Navient claims that I have cosigned on a student loan. I have never taken out a loan or cosigned for one. When I informed Navient of this they sent me identity theft paperwork to compete and notarize. I did this and returned it to them complete with a police report and handwriting samples. Within one week Navient stated that " after carefully '' reviewing '' my info that they could not substantiate my claim. Review is not the same as investigate. Identity theft should be taken seriously by this agency and proper due diligence performed. The collection harassment and negative credit reporting persists. I do not even have copies of the forged loan documents. I have attached the lettters from Navient as well as my latest response.
Product: Debt collection

Creditor listed as XXXX XXXX for {$710.00}. I dont know what this is in regards to
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX willfully and intentionally reported inaccurate information on my credit report reporting the same account with the same balance twice under two different accounts. This has hurt my credit score twice as much for the length of time they have been committing this violation. I have already disputed and brought this violation of my right to both the debt collector and the 3 major credit bureaus. Equifax has removed this account but XXXX  and XXXX  continue daily to violate my rights by continuing to report this inaccurate information on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2020 I reach out to the creditor ( BMW Financial Services ) reporting incorrect credit report information to the three agencies The creditor failed to investigate and refused to remove the incurrent information in a letter date XX/XX/2020 ( see attached )
Product: Mortgage

Selene Financial is trying to over charge me on my mortgage payment, percentage rate, and total pay off balance of the house. There is no house in my area worth {$100000.00} house. Thanks XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

However I have not had any accounts with this companies. I dont believe that these accounts are correct, but they are being reported to my credit, and I am trying to make sure everything on my credit is correct. 

Can you please send me information showing that these debts are actually mine? And if they are mine, can you send me information that shows the amounts that I owe, because the amounts that these accounts say I owe seem higher than anything I was ever responsible for. 

I am also requesting that you stop reporting these debts to my credit or at least tell my credit reports that I am disputing the amounts and accounts. Also, please send me copies of whatever you send to my credit reports and whatever they send back to you. 

Because I dont recognize these debts, I am also asking that you no longer contact me by phone about them, especially because people are calling my cellphone and I dont want calls to my cellphone.
Product: Credit card or prepaid card

I have not been issued a credit for items returned via mail. I have contacted the online return department and have been met with very strange replies. I feel my returns could have been stolen be this area, as I can not get a straight answer even though I have given them the receipts with detailed notes several times. I am always given a pat answer.
Product: Checking or savings account

I placed an online order with my third party XXXX on XXXX and I had to cancel the order. However, I paid my 1st installment with XXXX of {$16.00}. With me canceling my order XXXX did in fact refund me my {$16.00} to my debit card on file on XXXX. However, Chase debited my account for the {$16.00} on XXXX. Chase is saying that they gave me the credit back for {$16.00} but according to my available balance on that date, they have not given me the money back. I have looked online and saw that Chase have NOT given me my funds back. I have also contacted Chases Customer Service Department and they are telling me that they gave me the funds back. This is not true.
Product: Payday loan, title loan, or personal loan

I purchased a solar system from XXXX XXXX and Dividend Finance was the loan company. This company is a division of XXXX Bank. I was happy with the loan and the APR, and the paperwork for my loan explicitly states this loan is a secured loan ( backed by the panels themselves ), which makes a big difference vs an unsecured loan. Fast forward to a month ago when I took out a personal loan to finance some other expenses, and my lender for the personal loan flags this solar loan as an unsecured loan, which then eats into the amount I can borrow since personal loans are capped at 50 % of your annual income. I've been in contact with both Dividend and XXXX Bank, but so far the response has been lack luster. I am waiting to hear back, but at this point I am very frustrated that they changed this loan type without notifying me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I've been trying to correct some incorrect accounts on my credit report and my claims have being totally ignored by Transunion. I do not know what to think right now because they failed to respond to me and also failed to present me evidence. They lack any legal obligation or contract. I've never done business with them. Please remove quickly XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

WELL, WHAT IS AS SAME IS AS TO HAPPENING IS NOTHING IS HAPPENING & I AM FINDING THIS A REAL SERIOUS PROBLEM BEING I AM MAKING " ALL '' PAYMENT 'S BEFORE DUE AS WELL TWICE AS MUCH IN AS TIME 'S DUE & I AM NOT BEING FAIRLY ADJUSTED IN MY SCORE 'S.
Product: Debt collection

On XX/XX/2022, XXXX XXXX XXXX XXXX XXXXXXXX, acknowledged that I have a XXXX balance with XXXX, case XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$780.00}, {$130.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- OPEN ACCOUNT 1. XXXX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$780.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$130.00} -This is not my account. 


-- PERSONAL ACCOUNT 3. XX/XX/XXXX with ACCT # XXXX opened on XX/XX/2016 with a balance of {$0.00} -This is not my account.
Product: Debt collection

I was charged many years ago for a phone that I never owned. Someone had purchased it on my account and I was never informed. Years later I get told I have a debt that I disputed and was told would be removed. Now I still had the same debt, so I had to use my savings to pay the debt off and now they will not delete it from my credit report.
Product: Debt collection

in XX/XX/XXXX I opened a Capital One card in XX/XX/XXXX the card was compromised and I reported it to Capital one. They kept giving me the run around and sending me from one person to another. I spoke to Capital One and they was suppose to fix the fraud. Not only did I not get the money I put in the card. But they put all the money on me and said I got ta pay it.
I have disputed it over 10 times with the credit companies and no resolution. I call Capital One and they just place me one hold even the supervisors. This has been a nightmare for me, I do n't know where else to turn.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted all three of the credit bureau, Transunion, XXXX and XXXX. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.