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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, NC  XXXX XX/XX/XXXX ; XXXX XXXX CT XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$650.00} ; XXXX XXXX ( Original XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN, XXXX AND XXXX ARE REPORTING FRAUDULENT ACCOUNTS ON MY CREDIT REPORT. BELOW ARE THE LIST OF FRAUDULENT ACCOUNTS : XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$4000.00} XXXX : XX/XX/XXXX -- -> XXXX -- XXXX : {$220.00} XXXX XXXX : XX/XX/XXXX -- XXXX XXXX -- -> {$28000.00} XXXX XXXX : XX/XX/XXXX -- -> XXXX -- -> : {$370.00}
Product: Debt collection

Called and claimed a person ( not me ) owed a debt to them. When I called back they said they were a call center, ( did not notify me on the phone that this was an attempt to collect a debt ) and I am on the Do Not Call Registry and do not want to be bothered by them again.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries from my credit report pursuant to 15 USC 1681c-2 ( a ) and the Fair Credit Reporting Act ( FCRA ) 605 ( b ). I am a victim of a data breach, and unauthorized activity has appeared on my credit report.

The fraudulent account I request to be removed is as follows : 1. Bankruptcy o Case Number : XXXX o Date Filed : XX/XX/year> o Amount : {$00.00}
Product: Debt collection

UNDER 15 USC 1692g EXETER FINANACE LLC HAS NOT VALIDATED THE DEBT ; THEY ARE THEATENING ME AND MY REPUTATION. WHEN DEBT IS ALREADY PAID. 

On the XXXX day of XXXX, I sent Exeter financial LLC certified mail of a : 1. Non-negotiable conditional acceptance, 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 
Which was ignored, misled and not answered correctly according to the claims and assertions stated within it in " SUBSTANCE ''. 

On the XX/XX/2022, I sent a second notices to Exeter Finance LLC certified mail : XXXX. Notice of default and opportunity to cure 2. Affidavit of truth, 3.Exihits of violation under 15 U.S.C 1692 4. Invoice for violation under 15 U.S.C 1692 5.Cease and desist ( questionnaire ). 

Having failed to properly rebut the allegations presented unto them in the time requested, respondents hereby ADIMT all allegations contained to be true. 

Exeter has not proved any of their claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a police report XX/XX/XXXX, XXXX  and Equifax is reporting a fraudulent account by XXXX XXXX  XXXX XXXX  XXXX XXXX open in XX/XX/XXXX, this account was open by someone who stolen my identity, Fraud account
Product: Debt collection

I keep getting calls on my cell phone from a summit receivables saying that I have a debt to be paid. I call back the number that shows up ( a local number of XXXX ) but the place has no clue as to who I am. The number they leave in the message is XXXX but when i call they want me to give a lot of information that if I had an actual debt with them they would have. I 've asked for verification of the debt they say I have but none is forthcoming and they continue to harass me.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Experian for failing to comply with multiple provisions of the Fair Credit Reporting Act ( FCRA ), including but not limited to 15 USC 1681e ( b ), 15 USC 1681s-2, 15 USC 1681i ( a ) ( 5 ), and 15 USC 1681c ( c ). Experian has repeatedly failed to properly investigate errors on my credit report and has not corrected or removed inaccurate information despite my multiple disputes. Their actions have caused significant harm to my creditworthiness, limiting my access to credit, employment, and housing opportunities. 

Violations : 15 USC 1681e ( b ) : Experian has failed to maintain accurate information in my credit report.

15 USC 1681s-2 : Experian has failed to ensure furnishers are correcting inaccurate information.

15 USC 1681i ( a ) ( 5 ) : Experian did not correct or delete inaccurate information after my disputes.

15 USC 1681c ( c ) : Experian continues to report outdated and obsolete negative information. 

3. Harm Caused : These errors have resulted in [ denied credit applications, higher interest rates, loss of housing opportunities, etc. ]. 

The process has caused unnecessary stress, wasted time, and financial losses.
Product: Credit reporting or other personal consumer reports

A wells fargo credit card was opened in my name. Amount charged is {$420.00}. I contacted Wells fargo and they have since reported and closed the account but the missed payments have affected my credit score.
Product: Credit reporting

Equifax is reporting information that is not my account And I am not responsible for. Its reporting XXXX XXXX XXXX system account # XXXX as my account witch is false information and did not properly verfied the account before putting it in my credit report I have the proper documents showing this belong to someone else and not me.
Product: Checking or savings account

Recently I received two generic emails from Bank of America dated XX/XX/22 at XXXX and XXXX. This email was sent to my personal email address. The email was notifying me that they were unable to open a Bank of America account ( s ) online and that I needed to come into a branch. The problem with this is that I have not applied for any type of account with Bank of America recently. I did not authorize for any Bank of America employees to attempt to open an account. Nor did I authorize anyone else to do so. I am fearful that this account/accounts that someone tried to open may be a result of identity theft from within the company. I am demanding for a thorough investigation to be obtained to get to the bottom of how my personal information was accessed, obtained and used without my permission.
Product: Credit reporting, credit repair services, or other personal consumer reports

All Three Credit Bureau 's are reporting inaccurate information regarding The " XXXX   XXXX XXXX '' Loan, on several occasions I have asked for this issue to be resolved and to no avail the issues Have not been fixed. The issues of inaccurate reporting are wrong loan balance the credit bureaus are reporting ( XXXX ) The Correct amount is (  XXXX ) and they are also reporting this account as Delinquent ( 90-119days ) this also is inaccurate reporting. The account is current I have contacted them in XXXX, XXXX and XXXX but i keep getting the response from supervisors.i also have provided hem with evidence that the account is current
Product: Credit reporting or other personal consumer reports

These accounts are reporting inconsistent information across all 3 bureaus.the bureaus are repeatedly reporting accounts as charged off and have been repeatedly been updated and this inconsistent reporting is manipulating the statues of limitations.also I've asked them to investigate this matter and they keep verifying without proper investigationXXXX XXXX and XXXX pm repossessed my cars without giving me any opportunity to pay, I was In hospice with stage XXXX metastatic melanoma and the company 's both stole my property with no notice to me.please delete the following accounts XXXX capital system.acount # XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX acount # XXXX XXXX XXXX account # XXXX. XXXX XXXX account # XXXX xxxxxxxxxXXXX XXXX XXXX XXXX acount # XXXX and XXXX please help protect my federally protected rights.i am trying to get my life back in order from battling XXXX the last 3 years.i can't buy a new car with these inaccurate accounts/repossessions reporting inaccurate information.pleae help! Thank you and XXXX bless you
Product: Checking or savings account

Wells Fargo charge my account from XXXX XXXX XXXX, I paid my insurance through a different banking, and now Wells Fargo are delaying my fundings a close account, that I never close and kept my {$280.00}. I asked claim department to give me a pacific time when the funds will be available. Its been almost 2 weeks no results.
Product: Credit reporting or other personal consumer reports

I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These accounts and negative entries are severely impacting my financial stability, credit health, and overall well-being
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint serves as a follow-up complaint to my previous complaint dated XX/XX/XXXX. 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 must be removed to clear my file of erroneous items Ive already included this in my previous Complaint & I am including it again. 
XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX 
Last reported XX/XX/2022 XXXX. This a medical billing issue 2. Account was deleted following dispute ( via CFPB ) 3. Account reinserted ( added back ) after deletion 4. I DID NOT receive prior written notice of reinstated on my credit file 5. Under the Fair Credit Reporting Act ( FCRA ) the reinstatement without written notice within 4 days of reinstatement is a violation of the law ( i.e., illegal )
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information were found in my reports. The XXXX, Experian, and XXXX Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6400.00} XXXX XX/XX/XXXXXXXX Balance - Date opened XX/XX/2015XX/XX/XXXXXXXX Balance {$570.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date opened XX/XX/2015 XXXX : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX Balance {$6200.00} XX/XX/XXXXXX/XX/XXXX XXXX Balance {$570.00}
Product: Student loan

I recently lost my job, which paid pretty well, and had to get a minimum wage job. I contacted Navient to try and do an income based repayment plan ; the first woman I talked to said they did n't want to do that because I 'm a " risk. '' The second person I talked to said I, along with my cosigner, had to submit copies of all the bills we have to see if we even qualify for income based repayment. I have another loan with XXXX, and it was n't even nearly this hard to have them work with me. Whenever I contact Navient, I am always transferred to two or three people and it 's not unusual to be put on hold for half an hour or more. It 's very frustrating, especially when I am needing help lower my student loan payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX ACCOUNT # XXXX has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting act XXXX these accounts has violated my rights. 
15 U.S.C1681 section 602 A. States I have the right to privacy.

15 U.S.C1681 section 604 A. States : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Checking or savings account

On XX/XX/2023 I received a text message from Chime At XXXX, saying.. ( Did you try to use your Chime card for XXXX {$.00} at XXXX XXXX XXXX XXXX Reply yes or no ). I immediately replied no, checked my account and saw a withdrawal at XXXX for XXXX ,, I immediately called them and spoke to a representative in which she told me that the transaction at XXXX XXXX for XXXX $ had been blocked, but the transaction for XXXX was pending and that there was nothing that she could do at this time for that transaction because it was still pending. That I would have to wait until the Transaction was completed before i could dispute it. I checked my account all weekend and finally on Tuesday XXXX XXXX XXXX it had completed the transaction of {$400.00}. I immediately called Chime to dispute the transaction. 
They opened a dispute of a case # XXXX and at XXXX they had contacted me via email that the dispute had been closed due to no error occurred. I called them again immediately @ XXXX to dispute their decision and had the case reopened. With a case # XXXX. I then received another email & XXXX stating the dispute had been closed again due to no error occurred. I then called Chime again XXXX at XXXX to dispute their decision again. They reopened the case again and again emailed me @ XXXX stating they were closing the case and I was denied my refund of {$400.00} due to no error occurred. Now I am reaching out to you all pleading for my refund of {$400.00}. I am a XXXX mother and I know my account was hacked/compromised and so does Chime especially since they were the ones who contacted me first to Make me aware of that moneys being taken out of my account.
Product: Credit reporting or other personal consumer reports

I have had negative items being reported onto my credit report, a total of nine items. I have requested for those items to be deleted off of my report, on XXXX XXXX. I felt as though the investigation was not done properly and it should be removed. Not only is it a violation to my rights, the information that is on my report is inaccurate. I am asking that these items are removed from report immediately. The information is inaccurate, and also goes against my constitutional rights. Reporting negatively onto my credit report without my consent is illegal according to FCRA Section 605B.
Product: Credit reporting, credit repair services, or other personal consumer reports

i was looking at my credit report on myfreescorenow.com when i noticed that my XXXX  account is wrong transunion balance is {$830.00} XXXX  is {$0.00} and XXXX is {$830.00} also the last activity dates are wrong!!!!!!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has several erroneous charges reporting to my credit. My insurance and XXXX XXXX plan are currently paying these off and I never received a notice for any of these collections before they were added. My XXXX XXXX advised I should not pay these because they have already been paying for them and there is no reason these should be on my credit report.
Product: Debt collection

I was not give time to dispute the debt. I was orders to pay the debt by collection company and did not have any info on how to pay it.
Product: Vehicle loan or lease

CarMax involved abusive debt collections practices but has not rectified it and I have recorded audio files
Product: Credit reporting or other personal consumer reports

Equifax and XXXX are continuing to report a late payment for XXXX XXXX for XX/XX/2023. XXXX agreed to remove late payment in writing to CFPB, however, even after disputing this account in addition to CFPB complaints, no on has updated my account. To correctly remove the late payment reported by XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX  and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Payday loan, title loan, or personal loan

I purchased a XXXX XXXX XXXX from XXXX  XXXX XXXX on XXXX/XXXX/2019. I paid {$7000.00} cash, traded vehical for {$3200.00}, and financed {$25000.00} through the dealership / XXXX XXXX XXXX. In XXXX 2019 I received a title in the mail with 2 liens listed. The bank i financed from and bank of America. I went back to dealership  and they said they would take care of it and check with DMV in 2-4 weeks. I contacted DMV for several months waiting for an update and they stated they have no received a lien release. I contacted the dealership again and was advise they are no longer in business. I tried contacting Bank of America, XXXX XXXX, DMV, District Attorney, State District Attorney, XXXX, etc and have been unable to resolve this. I'm not sure how the car was registered to me without a lien release. All my paperwork states XXXX XXXX is the sole lien holder when I purchased this. I don't understand how the dealership could sell the car without paying the lien off and taking my cash and XXXX XXXX check and close down leaving this unresolved. I'm not sure who the other lien holder is. XXXX XXXX should be the only lien holder and has collateral on the vehicle. I need this resolved ASAP. I looked into similar situations and it appears the owners are scamming people and just continue to open and close dealerships leaving situations like mine unresolved. This is fraud.
Product: Checking or savings account

For the past 2 months I been battling with Paypal to allow me to add my new bank to my paypal account. I been with Paypal since XX/XX/2014 and have never been required to call them to add a new card but that's what they told me I had to do despite informing them I do not have phone service. Currently I've been charged {$4.00} in interest fees and {$27.00} in late fees with another round coming tomorrow despite Paypal stonewalling me from being able to link my bank account so I can pay my monthly balance. Please contact me at my email XXXX for any personal information needed in locating my paypal account. I am saving this complaint and the one I filed via XXXX XXXX XXXX to ensure if Paypal continues to keep me from paying my bill so they can continue to charge me that I've made an attempt to pay them but they clearly don't want it.