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

I went to XXXX, AZ XXXX/XXXX. I was greeted by a salesman who told me that all trucks are {$5000.00} more due to Covid because I asked him why they were so expensive. He started to mention negative remarks about the other dealerships in the area. He then proceeded to explain that if he could get my personal information he could make a better deal with me. After viewing a few vehicles we went to his office and after getting my name, address, phone, he asked me for my Social Security number & Birthdate. I told him I didn't want my credit ran without writtin permission and he told me I would have to sign a paper authorizing that to be done. WE WERE VERY CLEAR! I didn't sign any authorization and walked across the street to XXXX where I found a vehicle that I liked. During the transaction, WITH MY PERMISSION, XXXX ran my credit Report and told me that XXXX had ran my credit 7 times through some type of " Clearing House ''. Because of so many Inquiries on my report XXXX XXXX XXXX has lowered my credit limit 50 % and now my credit worthiness has fallen from " Very Good '' to just " Good ''. This is all happening while I'm purchasing a Home and it's affecting my Home Loan and raising the rates. I spoke to the Principal Owner Mr. XXXX XXXX he was very mean to me and even threatened me. He didn't apologize nor did he offer to fix the mess. I sent a XXXX  complaint but he refuses to answer it. I reported it to XXXX but they won't inve6it nor will they help at all. This is corruption at best. I need you help. Attached you will find a email from Mr. XXXX admitting to the error with no apology or offer to help.
Product: Mortgage

We made extra payments on our mortgage loan to First Key, based in New Jersey ( we pre-paid for 6 months, plus paid extra principle ). We followed their instructions to make sure they were applied to future payments. Despite repeated calls ( and we have the names of people we spoke to ), and emails following their instructions over the last 6 months, we have not received a single correct and updated statement and now have received a " Delinquent Notice ''. We have proof of payments. Now they are applying " late charges '' and threatening us with a home inspection that we would have to pay for. We are being harassed at this point.
Product: Credit reporting or other personal consumer reports

I received notice that a hard inquiry into my credit was run, however I didn't authorize this nor had I recently applied for any new accounts or loans. 

The credit inquiry came from XXXX XXXX XXXX  on XX/XX/year>, and after calling them they confirmed that there was a recent application for a credit card using my information ( with a different phone number ). I informed them I did not submit an application, so they marked the application as fraudulent and cancelled it. 

The hard inquiry into my credit now appears on all three major credit bureaus ( TransUnion, XXXX, and XXXX ), and I'd like to ensure that this is removed from my record- along with any necessary fraud monitoring that needs to take place for my information. I first tried calling TransUnion to do this, and they informed me that I should first create a report with the FTC.
Product: Debt collection

XXXX XXXX XXXX XXXX put my debt into collections it is wrong XX/XX/XXXX they gave it to LVN FUNDING LLC with a balance of {$640.00} they called my work multiple times everyday I could have lost my job they contacted my family they eventually got a hold of my mom and told her if I didn't pay this then I was going to jail within the week they threatened to put a lien on my car they threatened to garnish my wages and they threatened to put me in jail if I did not pay them my mom got so nervous they came to an agreement to pay off the account for {$400.00} and close it we have a paid in full letter from LVN FUNDING LLC For the Agreed amount to close the account for {$400.00}. I do not understand why it's still showing up on my credit report and I don't think they should be allowed to threaten people especially relatives my mom has a XXXX  XXXX and that could cause really big problems
Product: Debt collection

Dear mam or Sir, Id got XXXX in XX/XX/2014 at XXXX XXXX XXXX. A few months later I received bill from XXXX XXXX XXXX XXXX XXXX  XXXX. It was {$1900.00}. My insurance company did not pay for that. Because, they said that it was out-of- network for the XXXX.I never know that because nobody explained to me that before XXXX. I think that they were miss communicated each other between operator and hospital.SO, my insurance agency and I was contacted so many times to my doctor who XXXX on me.. Because we needed to know what was going on. But Dr who never responded to us for that. Finally, I received letter from debt collection agency. Also, my credit is got bad score now because of that. 

Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a fraudulent account on my credit report. I have disputed the account and the subsequent collection account directly with the creditor several times to no avail. I have requested any and all proof of who opened the account and have only been provided with billing statements. I was told by the collection agency to file a fraud report with the FTC however I have a child in college and I am in the process of buying a home. Placing a fraud alert on my credit alert will cause major inconveniences when applying for student or home loans. This is the only fraudulent account that has ever appeared on my credit report and I do not believe that I should be inconvenienced any further due to this company 's failure to properly identify applicants. I finally decided to dispute with all 3 credit bureaus. After investigating XXXX   deleted the collection account. XXXX closed the collection account. Equifax verified the original account and the collection account.
Product: Debt collection

I have been getting aggressive phone calls at my work and on my cell phone from a company named Performant who took over a loan I have no idea what it 's for ( I 'm pretty sure it is student loansI have repeatedly asked them to send info on what it is but they give me the runaround. If I know what it is I would be more than happy to pay it. But they are short, rude and will not work with me.
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 {$600.00}, {$610.00}.

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 ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$600.00} -This is not my account. 

-- COLLECTION ACCOUNT -- 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$610.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX DOB XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX I am writing to request a correction of the following information that appears on my credit report. 

On XX/XX/XXXX I sent validation letter to all 3 bureaus asking for them provide me with proof of collections that they are reporting belongs to me. I ask them to provide me a contract showing my signature and the agreement. They sent me letter stating the debt was verified but did not send me proof of a signed agreement with the collection agency. 
XXXX : XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$220.00} XXXX  : XXXX {$1000.00} XXXX XXXX   {$1600.00} ( did not provide me proof of signed HIPPA ) Experian : XXXX XXXX {$1000.00} These account should be needed because I do not have an agreement or contract with them. They are reporting incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 section 602 States i have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open -end consumer credit plan as late for any purpose
Product: Debt collection

This company has been calling repeatedly to my family members and friends providing my personal information as well as leaving voicemails with personal information. The most recent was today XX/XX/2018 they called a friend of mines and left a long message with my full name, the amount i owed {$1100.00} 3 payment options of paying at XXXX % XXXX % or XXXX  monthly payments of around {$84.00}. They also included a website and provided a account number to pull up a account with my personal information ( address and more ) anyone can look up my information and it has been left on voicemails of friends and family. They call multiple times a day with threatened messages as well uas recordings, give me deadlines to pay usually by the end of day or further actions will be done and call out side of business hours. This company has been harassing me for months and seems to get worse i have the latest voice mail they sent me.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, XXXX XXXX XXXX XXXX owed does not belong to me. The Medial Day Systems company failed to disclose validation of account. Disputes have been made to all credit reporting agencies. XXXX removed the account, but XXXX and XXXX failed to remove the account after disputing that account does not belong to me. These agencies also did not provide any information regarding their findings. XXXX and XXXX did not provide any documentation and failed to remove these accounts off of my credit report in the timeframe of the federal law. According to the FCRA, this company and credit bureaus have violated my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 US Code 1681A and 1666b, Experian is violating my consumer rights. 
This is my XXXX attempt at trying to resolve this issue with Experian. 

The account under XXXX Bank XXXX XXXX my transaction history in XX/XX/XXXX and XXXX as late. By doing so this is a violation under the subsections I listed above. 

Because this is my XXXX attempt and I have a record of these correspondences I will be seeking legal action if the late payments you are reporting are not removed.
Product: Credit reporting or other personal consumer reports

Im a victim of identity theft and nothing has changed in my report. I mailed my dispute to Experian on XX/XX/XXXX proof in the upload documents.. I have not heard anything from Experian in over 45 days I will be suing Experian in 4 business days .. distinctly verify all methods that were use to verify accounts. I demand to know the. Name of agent or rep you spoke to, department, etc ..also documents with my signature and consent serving as proof. Along with terms and agreements. I have my police report along with my affidavit. 15 U.S. Code 1681c 2 - Block of information resulting from identity theft U.S. Code ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. These following accounts are fraudulent and need to be blocked and deleted. 
USC1681s-2, 15 USC 1681i ( 5 ), 15 USC 1681e ( b ) XXXX Experian Account # : XXXX Account Type - Detail : Unsecured loan Date Opened : XX/XX/XXXX Balance : {$1400.00} According to XXXX XXXX Experian XXXX XXXX Experian is suppose to ensure MAXIMUM POSSIBLE ACCURACY : This account Violates these XXXXaws.15 USC 1681I, 15 USC1681s-2, 15 USC 1681i ( 5 ) , 15 USC 1681e ( b ) . Delete account immediately. This account is fraudulent and has to be deletedin4days!!!!!
Product: Debt collection

I would like to submit a complaint regarding Franklin Collection Services, located at XXXX, Mississippi XXXX, for reporting time-barred, obsolete unknown medical accounts ( # XXXX, XXXX, and XXXX ) on my XXXX credit report # XXXX and my XXXX credit report # XXXX. I have mailed Franklin Collection Services at least numerous letters during the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ; requesting their company cease and desist collection activities and to validate the unknown, time-barred, obsolete medical accounts/debt they are reporting on my credit report ; in accordance with the federal Fair Debt Collection Practices Act, 15 USC & 1692g, Title VIII Debt Collection Practices and Louisiana and Mississippi collection laws. Franklin Collection Service has not ceased collection activities and has not validated the unknown medical accounts/ debt in the specific guidelines set forth in the letters per the Federal Debt Collection Practices. 



Moreover, I have repeatedly asked/requested via letters I mailed to Franklin Collection Services to produce a signed contract signed by me for these unknown medical account ( s ) /debt/services, and Franklin Collection Services has not produced a contract or any of the other requested information I asked this company for to validate these unknown medical accounts/debts. In addition, the unknown medical accounts/debt are time-barred in Franklin Collection Service home state, Mississippi. Per the debt collection laws in Mississippi, Contracts, oral or written, and Promissory Notes have a statute of limitations of 3 years ( MCA 75-3-118, 75-2-725, and 15-1-49 ). Clearly, not only is Franklin Collection Services violating Mississippi state debt collection laws by attempting to collect a time-barred debt/account ( s ) but the federal debt collection laws as well, per the Fair Debt Collection Practices Act at 15 USC 1692 et seq., and which states in relevant part : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt, '' which includes " the false representation of the character ; or legal status of any debt, '' and " the threat to take any action that can not legally be taken, '' all of which are violations of state and federal debt collection laws, as well as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I applied for a XXXX at XXXX XXXX. They subsequently issued a XXXX XXXX to me in XXXX. However, I did not apply for the XXXX nor did I authorize a second credit inquiry. This is the history of the inquiry. 
XXXX Inquiry from XX/XX/XXXX Bank XXXX Inquiry from XX/XX/XXXX I phoned XXXX several times in XX/XX/XXXX to request the removal of the second inquiry. I kept calling and was finally told to write to the specific department. I was told it would take 30 days or less but I wrote to them in XXXX and have not heard anything. I followed up with the bank and was told that the department could not be reached internally or externally and they suggested I write again. It 's been two months since my first inquiry. I have spoken to several managers, written to them - all to no avail.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

My niece sent me {$80.00} via XXXX XXXX. I don't have XXXX XXXX. I don't want to open an XXXX XXXX account. I want the funds reversed back to my niece 's TD Bank account. 

Both XXXX and TD Bank are pointing fingers at each other. They are putting the owners on me to open an account that I don't want. The should have a control where funds reverse back to sender.
Product: Money transfer, virtual currency, or money service

I have contacted PayPal several times 3 times on XX/XX/XXXX with regard to changing the name they have listed on a business account. PayPal allowed one of my employees to open the account for the business, but listed the employees name as the owner of the account. 

When contacting PayPal, they refused to change the name on the account even when provided with information on the owner of the business would know. They allowed opening of the account without verifying the same information they have requested me to provide. 

The requested information was : 1 ) Letter on company letterhead dictating the request.
2 ) Photo ID - driver 's license 3 ) Social Security Card 4 ) Company documents ( certificate of organization, letter from bank, etc ) The requested information was provided via fax to XXXX. I verified the number as I was nervous sending such sensitive documentation via fax as it could be used for identity theft. The agent verified this as the correct fax number. 

I contacted PayPal again today ( XX/XX/XXXX ) as I had not heard any response. I was today informed that the fax number should have been XXXX. The agent apologized, but informed me there was nothing that could be done and insisted the error must have been on my end.
Product: Checking or savings account

I first contacted chime in XX/XX/year> to close my account- they then have been stalling and transferring me from department to department with the same excuses how they needed a specialized team to look into it and someone would reach out via email. Over 60 days later, they still have not sent me my closure check. I have been transferred to at least 25 staff, been on hold at least 50-60 times and been given every excuse under the sun why they are looking into it. Each representative uses the same buzz words about putting me on hold for one to three minutes - this company needs to be banned from doing business in America.,
Product: Debt collection

Sent dispute to company on XX/XX/18 and again on XX/XX/18. Did not receive any notification/response back within 30 days as said by FCRA.
Product: Vehicle loan or lease

I have completed 209 of 210 payments on RV loan and now being charged over 5000 in additional interest and late fees. I have requested documentation or amortization schedule as to how these fees were incurred but received no response. Recent payments were not applied to principal balance at all.
Product: Payday loan, title loan, personal loan, or advance loan

I was leery about getting this loan from the start. I tried to get them to cancel my loan request they said they could not do it. The loan was originally from XXXX XXXX and that is who I sent the Cashiers check to. So on XX/XX/year> I send them a cashier check for {$9000.00}, It took them more than XXXX days to confirm that they had received the check, and it was cashed. I paid off the loan in XXXX months, This loan was for XXXX years at XXXX  % interest rate. The amount of the loan was for XXXX less an origination fee of {$1200.00} net amount {$9000.00}. The numbers are not adding up, that Upstart has.I paid them {$9000.00} plus XXXX payments of {$290.00} which is {$2000.00} for a total of {$11000.00}. I did not have the loan for the XXXX years.
Product: Debt collection

Someone named XXXX called. He did not say which company he worked for. He stated this is a final attempt to complete processing paperwork. He said due to my negligence in responding, I will be reported as non-compliant. 
He never mentioned who the debt collector is or the amount of the so called debt. 
I do not have outstanding debts. All of my credit cards are current. This person is harassing me and my family as well. Apparently, he is calling anyone with my last name or anyone who is connected to me. My former mother in law, my sister and brother-in-law, my ex-husband. This is harassment for a fictional debt.
Product: Credit reporting

After reviewing my credit report I found out some old inquiries and acct been added please review this issue this is against the law my credit score drop after been working on this and ready to buy a house.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against them if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXXXXXX Balance : {$580.00} ; XXXX XXXX XXXX XXXX : {$730.00} ; XXXX XXXX Balance : {$260.00} ; XXXX XXXX Balance : {$410.00} ; XXXX XXXXXXXX Balance : {$260.00} ; XXXX XXXX XXXXXXXX Balance : {$790.00} ; XXXX XXXX Balance : {$310.00} ; XXXX XXXXXXXX Balance : {$720.00} XXXX US DEPT ED XXXX Balance : {$9000.00} ; US DEPT ED XXXX Balance : $ {$4100.00} XXXX
Product: Credit reporting or other personal consumer reports

The purpose of this complaint is to have several unauthorized hard credit inquiries removed from my credit report. I received a copy of my credit report from your bureau on XX/XX/XXXX and noticed that there are unauthorized inquiries listed. Kindly investigate my claim in accordance with the Fair Credit Reporting Act. If you find any unauthorized inquiries, PLEASE REMOVE THEM AS QUICKLY AS POSSIBLE and send me a copy of my new, accurate credit report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX