23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX I opened a best buy joint account, together with XXXX XXXX XXXX, the number is XXXX XXXX XXXX XXXX. After that on XX/XX/XXXX I opened a new account by myself and I asked to close the previous account, I did not need the other one because by the time I applied for the Best buy credit card now I have a previous record. The ONLY reason I applied together it was because when I applied for first card on XX/XX/XXXX I needed i cosigner to get the card authorized.

So, since the time I got my own card on XX/XX/XXXX I never used the first card ( The join card ) NEVER USED AGAIN. I told Best Buy to exclude me from that and they said Okay. We will but we need XXXX XXXX XXXX call us. So, I told her close the account. BUT, SHE NEVER DID.

Years passed and some weeks ago on XX/XX/XXXX, I bought a laptop and the time to pay the seller asked me : You have two accounts  in which one you one to charge this item? I said two accounts? He said yes, you need to call best buy.

After that I have sent three messages trough their website ( secure messaging ) asking to cancel the first account, the one I tough did not exist and they have never have answered. Just I am sorry, we apologize for .... Call us. ALWAYS same situation no answer.

What is worst XXXX XXXX XXXX knows about this situation and she have been buying and using this account. I received an statement on XX/XX/XXXX with a balance of {$1200.00} USD using my email address.

I asked some days ago and the bank is even reporting FALSE INFORMATION to my credit report. An address does not belongs to me.

That address correspond to XXXX XXXX XXXX and is as follows : XXXX XXXX XXXX XXXX   XXXX Texas XXXX Her Email address is : XXXX Her phone number is : ( XXXX ) XXXX XXXX XXXX The card number I am talking about to cancel my responsability is : XXXX XXXX XXXX XXXX Where Can I report this situation she is using my email address?

So, what I want is be exclude it from that account, I do not have to be responsible for something I am not buying and is an she is doing wrong things using my email address. Actually, I do not have any relationship with her since long time ago, as I know she is a very dishonest person doing many tricky things and always trying to take advantage of any person and any situation.

Besides, as far as i know she has her own card. 
So, cancel the card and transfer the balance to her card.
Product: Money transfer, virtual currency, or money service

XX/XX/2024 I started a conversation using XXXX XXXX with someone I thought was going to sell me a puppy. I found this person in XXXX group that sells puppies. Everyone talked about said person was legitimate so I trusted them somewhat. We conversed a bit to where I felt somewhat comfortable sending a " holding fee '' which we agreed was {$100.00} the person called it to take the puppy off the market. I was still a little skeptical my senses were telling me it was a scam but they agreed to use XXXX. I said ok but the person said only send it as family and friends becuase there account was hacked using prduct and goods, which again was another red flag because that meant no payment protection. I hesitated but because the people in FB group talked so highly of this person I sent it. Only for the person to turn around an say oh send me more money for vet costs. I then declined to send more money and asked for my money back. XX/XX/2024 I then filed a transaction dispute with cash app because the card on my XXXX account was from my cash app. Fast forward to next day XX/XX/2024 I got a message from this person they refunded my money with an edited screenshot showing my name misspelled, so I knew the refund was false. And now cash app has denied my transaction disputes twice XX/XX/2024 and XX/XX/2024 even though I provided them with proof of the scam and merchant falsely saying they've issued me a refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE BEEN BATTLING WITH EXPERIAN WITH THIS ISSUE SINCE XXXX AND ONLY THING LEFT FOR ME TO DO TODAY AFTER FILING THIS COMPLAINT IS TO FILE A LAWSUIT AGAINST THIS COMPANY IN A SMALL CLAIMS COURT. The issue at hand is in regards to a XXXX XXXX XXXXXXXX account which is being reported on my credit report. The XXXX XXXX XXXXXXXX account number is XXXX. This company first sent me a credit report stating that this account went into a charged off status in XX/XX/XXXX. We disputed this with the credit bureau telling them that this is not accurate as we been disputing this account since XX/XX/XXXX. Rather than investigating the matter they then changed the charged off date to XX/XX/XXXX. We disputed this with the credit bureau stating that we had no account that went into a charged off status in XX/XX/XXXX. 
This company held fast and said that the item was been reported accurately on my credit report and would not remove it or investigate it further and that the item was been reported accurately on my credit report. We then filed another dispute stating how can they say that the item is been reported accurately when the same item is been reported differently on XXXX and XXXX credit report. Experian then change my credit report to say that the account went into a charged off status in XX/XX/XXXX and once again this is false. 
There is also incorrect payment data and missing payment. On the credit report it states that the account is paid in full and that last payment was received on XX/XX/XXXX but yet on the same credit report it is stating that the account went into a charged off status in XX/XX/XXXX. Experian got a request for there method of verification on XX/XX/XXXX and to this day they have not provided me with such document and this is a clear breach of the Fair Credit Reporting Act. So, kindly delete XXXX XXXX XXXXXXXX from my credit report for the following reasons. 
Delete XXXX XXXX XXXXXXXX from my credit report as its old and obsolete. This account has been on my credit report for more than seven years Delete XXXX  XXXX XXXX from my credit report as there is missing and incorrect payment information on my credit report. 
Delete XXXX  XXXX XXXX from my credit report as there is missing payment and account information and this makes the account incomplete. 
Delete XXXX  XXXX XXXX from my credit report as I requested from Experian there method of verification as it pertains to this account since XXXX XXXX and 7 months have passed and they have not given me that document and this is a clear breach of the Fair Credit Reporting Act Delete XXXX XXXX XXXX from my credit report as the other two credit bureaus have done so already. 
Delete XXXX  XXXX XXXX from my credit report as I had no account with XXXX  XXXX XXXX that went into a charged of status in XXXX of XXXX. ( incorrect payment and account information )
Product: Student loan

XXXX XXXX sold my student loans to American Education Services. They have changed the interest, timing of payments and only have allowed for 12 days for payments. They only wanted to do electronic services, which I had NEVER signed up for with XXXX, nor do I want ever. Postage signed XXXX XXXX due XXXX XXXX. Location of the school is XXXX, Nevada. They have been problematic with telling the truth, told me before they sent me a " welcome package '' never received it, and then proceeded to state the " welcome package '' was emailed. Just being generally untruthful, unhelpful and giving me bad information which I did not sign up for with XXXX XXXX XXXX. They also never sent me anything involving payments, or payment information Via Email. They were just hoping I was going to miss my payments I guess.
Product: Credit card or prepaid card

Issue with XXXX XXXX Mastercard The store card offered me 0 % interest rate for 18 months and i opted for the following 2 payments XX/XX/XXXX - {$3900.00} - 0 % till XX/XX/XXXX On XX/XX/XXXX the above payment was reversed and changed to " Charge Adjustment '' with 25.24 % APR. 
Since then i have been calling during every statement date and discussed about the issue and no one seem to be getting it right and so far close to {$380.00} was charged as interest which should not be. 

I sent the required documents, explained over phone and in secure message center. 

No action is taken so far.
Product: Debt collection

FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. The Affiliated Group has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send statements. Send my actual signature on a contract. As this debt is Not mine. <P/>Sent XXXX, XXXX, and XXXX a notarized affidavit signed by the bank. Requesting to be provided proof I consented to the inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately.XXXX, XXXX, and XXXX has refused to provide the proof under the FCRA section 609, 605 as well as the accuracy via FCRA section 623.
Product: Mortgage

My mother 's reverse mortgage was sold from XXXX to Champion Mortgage company. Before Champion we paid our property taxes quarterly. Champion mortgage company insisted that we pay for the full year paying the property taxes upfront. We told them that we could n't afford to do that. Champion said they would pay the taxes upfront for the year and we would pay them back. We continued this process until they said my mother had reached her threshold and they could n't help us anymore. The mortgage was put in default. The mortgage company sent us a hardship form so we could request assistance to help us with the taxes and insurance and said it needed to be approved by XXXX. After several attempts to get some answers we were told told it was still in a processing state. We never received a response. I then contacted a XXXX counselor. spending about a hour going through their application/ check list process. The counselor had a list of less resources than I had. I had already contacted the programs she suggested. I contacted the XXXX, XXXX XXXX for Older Adults, XXXX, and many others. We are now in foreclosure. We need help. We have lived here for 49 years. My mother is XXXX XXXX XXXX with multiple medical conditions including XXXX. She receives XXXX, I am on XXXX XXXX and I have a XXXX daughter here with us. We did everything we were told to do to prevent this from happening. Since this mortgage is about XXXX XXXX XXXX, we have seemed to run out of options. There is no more equity and the monthly insurance, maintenance, other fees have eaten up the money. The mortgage is double what the house is worth. We ca n't find any help. Champion Mortgage and Nationstar Mortgage have a long history of abuse and taking seniors homes. Hundreds of complaints can be found via the internet, BBB, Consumer complaint websites etc.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Equifax I am writing to dispute the following information that appears on my equifax consumer report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Source of dispute information : XXXX  Type of disputed information : Unrecognized accounts, Unrecognized previous address, Inaccurate name Dates associated with item being disputed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Explanation of item being disputed : Im the victim of identity theft and I dont recognize one or more of the accounts on my report. 
I have attached a copy of my report with the accounts in question Thank you for your assistance. 


Sincerely, XXXX XXXX
Product: Debt collection

I rented a car from XXXX XXXX XXXX from XXXX at a prepaid rate of {$49.00} per day for a total of {$190.00}. With taxes, fees, etc. They estimated I would owe an additional {$76.00} at pick up. 
When I picked up the car, they did not have the vehicle I originally reserved and gave me a larger vehicle, refusing to honor my prepaid rates and calling it a discount. I finally agreed to use the alternate vehicle for the agreed upon daily rate, but pay the difference in taxes and fees, what they told me would be {$140.00}. 
Upon drop off they charged me for a full week rental of {$490.00} plus a daily vehicle upgrade fee of {$10.00}, totaling {$540.00}. The final receipt came through digitally after I was dropped the car off with the original printed receipt in the agreed amount, as is their policy. 
They did not respond to the complaint I filed with their customer service department. 
I then filed a dispute with my Credit Card company, XXXX, for the difference in the charges, supplying my original confirmation email, the final charges, and the information supplied above. They did a complete investigation and resolved the dispute in my favor, returning the fraudulently charged {$240.00} to my account. 
XXXX has begun sending me collections notices via Viking Client Services for what they claim is outstanding debt. I contacted Viking and asked them to route all further inquiries on the debt to XXXX directly as they resolved it on my behalf. They said XXXX will continue to dispute the debt until it is paid, they can not guarantee that I will stop receiving notices from themselves or XXXX. I would like to make sure all future communication on this is between XXXX and XXXX and that this does not impact my credit. Any resources or assistance you can provide would be very much appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX XXXX XXXX, I received a notice from XXXX XXXX  stating I owed XXXX XXXX XXXX {$210.00}. ON XXXX, I disputed this account by letter to XXXX XXXX, requesting validation. XXXX later provided an account statement from XXXX XXXX, but failed to provide a contract or a signed finance agreement as requested. nor did they provide proof of their right to collect on this alleged debt. On XXXX XXXX inaccurately reported this account to XXXX, XXXX XXXX Trans Union, naming XXXX XXXX as Creditor. On XXXX I disputed this collections account with XXXX. Instead of deleting this account as being inaccurately reported, XXXX allowed XXXX to Update the inaccurately reported account and changed the creditor to XXXX XXXX. XXXX also accepted a fraudulent account statement to substantiate this debt without requiring a signed agreement or contract for services. If they had, they would have discovered there was none. They also would have discovered that XXXX claimed to provide additional coverage outside the coverage period without authorization. XXXX did not stop collection procedures until the debt was validated. Prior to this XXXX Collections report I had a! 00 % payment history and XXXX XXXX XXXX. I believe XXXX, XXXX, XXXX XXXX Trans Union violated the Fair debt reporting act.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the ( 3 ) credit bureaus to do a thorough investigation and continued to find improper discrepancies, as my rights have been violated. 

In accordance with the Fair Credit Reporting Act XXXX  Account XXXX  Account number XXXX 15 U.S.C 1681 section 602A states I have a right to privacy 15 U.S.C 1681 section 602A It also states a consumer reporting agency can not furnish account without my written instructions. 

The record continuously shows verified with no update in status date of verification and or providing improper discrepancies.
Product: Credit reporting or other personal consumer reports

hello, I called Transunion multiple times, and I filed a complaint through CFPB but unfortunately not all the issues have been resolved. there were multiple names under my account, and I told them they should just leave my name and still shows another person names on my account. There were multiple Hard inquires on my account, which none of them belong to me and they should remove all the hard inquires on my account for last 24 months. there were multiple credit cards were opened, which none of them belongs to me and I did not open any new credit cards. Theres also car payment under my name which doesnt belong to me and they did not remove it.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item information below XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/20XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$16000.00} XXXX XXXX Balance : {$5600.00} XXXX XXXX Balance : {$110000.00} XXXX XXXX : {$2200.00} XXXX XXXX XXXX Balance : {$560.00} XXXX XXXXXXXX Balance : {$36000.00} XXXX XXXX XXXXXXXX Balance : {$290.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$650.00} XXXX XXXXXXXX Balance : {$680.00} XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, IL XXXX.
Product: Credit reporting or other personal consumer reports

I am requesting that the credit inquiry be removed from my credit report. I received a copy of your agency 's credit report and noticed that there were requests that were not authorized. A list of the unsanctioned questions is provided below. 
XXXX XXXX XX/XX/2022
Product: Debt collection

Debt was charged off and now it's considered a certificate of indebtedness which means, according to the IRS, it's income now therefore it's eligible for removal from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 late payment 30 days past. 
{$810.00} extension given but reported as late payment and no payment info since this occurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2019 in response to a complaint filed with CFPB. XXXX XXXX. Finally researched and admitted an error made on my account regarding Date of First Delinquency. In there letter they stated this information was also provided to the 3 major credit bureaus. 

At that time a request was made for the reporting agencies to verify and update the information. 
Upon doing so Experian and XXXX  have both reported information verified from XXXX again that is not accurate nor matches the information provided in the response to the previous complaint to XXXX.
Product: Mortgage

I've had my mortgage since XX/XX/2018 and never have missed a payment or have been late and I was marked late in XXXX of this year with a 30 day late payment and I had the funds available the bank just changed that it wouldn't accept payment from my business bank account. I overnighted a check to rectify the payment.
Product: Debt collection

Card had fraudulent charges on it and was closed By the lender. Company harassing me to collect debt That is illegitimate. They did not let me access my account nor provide a statement of charges.
Product: Credit reporting or other personal consumer reports

Deleted removed items from XXXX but not the other...
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, XXXX, I purchased a car at XXXX XXXX dealer located in XXXX XXXX Maryland. At the time of my purchase, I came into the dealership with a pre-approved purchase from a bank that I have used in the past to purchase cars.The Finance officer had my credit evaluated as a hard inquiry more than 6 times. I never gave permission to run my report as a hard inquiry as I already had an approval letter. I feel that this action has created a negative impact on my credit profile.
Product: Credit reporting or other personal consumer reports

I'm filing this CFPB complaint because I'm a victim of identity theft through data breeches which were XXXX data breech XXXX XXXX  XXXX  and also XXXX XXXX  data breech all of the fraudulent accounts are listed in attached identity theft report all accounts listed were opened fraudulently without my consent which is against consumer law to report incorrect fraudulent items on consumer credit report. Please remove all fraudulent accounts from XXXX Transunion XXXX. 


Listed Fraudulent Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I received a copy of my credit report and to my surprise theres a new address on my credit report. Ive disputed this inaccurate information several times and Experian refuses to remove the inaccurate information. Even after providing proof of address so that my proper information reflects on my report Experian still refuses to remove these addresses. In accordance with the FCRA any and all inaccurate information shall be removed from a consumers credit report. With the data breaches & the bureaus reporting millions of consumers information incorrectly the last thing a consumer should have to do is jump through hoops to get things removed that the LAW states I have a right to do not a privilege. The addresses are XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX please assist