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

I believe FCRA 605B mandates the elimination of erroneous accounts from my credit report. Could you kindly verify the documents? Several accounts listed appear to be inaccurately reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification that XXXX XXXX XXXX XXXX has reviewed my credit report again without my consent. This is the 5 time in the last several years they have reviewed my credit report. Every time they do it I contact them and tell them I am not trying to buy a car. I have told them I have no interest in doing business with them in the past, present nor future. Stop pulling my credit report. 

After filing complaints, they contact me and say they got my information from a car deal. A car deal that I did not authorize to pull my credit!
Product: Credit card

Company stated that payment was last and decease My credit limit from XXXX to XXXX which cause my credit score to drop. NO PAYMENTS IS SHOWING.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer report and discovered some illegal information being displayed. Per 15 US Code 1681a ( d ) ( 2 ), consumer reports do not include transactions or experiences between consumer and person making the report. I sent a letter, certified mail, to the reporting agencies on XX/XX/2023, to which they did not respond and did not rectify this error.
Product: Credit reporting or other personal consumer reports

I am a customer of Experian 's upgraded membership that I pay to utilize. Their service advertises a credit lock feature where a customer can lock and unlock their credit profile at will, both online, their app, and via the phone. 

For the last month I have been unable to unlock my credit profile. I have spent countless hours on the phone with their less than helpful customer service. I have gotten nowhere contacting them. I have contacted them via XXXX as well. XXXX days ago I opened a XXXX  case. None of these methods have allowed me to utilize my credit by unlocking my credit report. 

My credit is currently being held hostage by Experian, yet I am still paying for their membership.
Product: Vehicle loan or lease

On XXXX my wife totaled her car. My insurance first tried contacting Ally to begin the settlement on XXXX. My wife called and made a payment in XXXX, just hoping to keep everything in good standing. Whoever she spoke with at Ally, they said there should be no problems in the future. After no response, and several calls to Ally, XXXX again submitted the entire break down and total loss payment. After over a month of Ally doing nothing, it took myself, a member from XXXX and XXXX from the total loss department of Ally. Even after this, they still dragged everything out and only until XXXX did they finally accept the check from my insurance, who immediately overnight shipped it to them. 

Now the problem is that they are saying I still owe {$2200.00}. They are also posting late payments on my credit. I have been having to call them several times a week to get anything done, and it's now been over a month and their supervisor XXXX in the total loss department will not even call me back. 
When I spoke with XXXX in the total loss department back on XXXX she said my pay off was {$1500.00}. So as you can see there are multiple discrepancies and Ally is in no way making any attempt to resolve this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing identity theft on 2 XXXX XXXX accounts on experian for quite a while now. Both XXXX  and Equifax have already acknowledged the identity theft and removed this account. However XXXX still has it showing as well some other account from some financial network that is also identity theft. I have already submitted a police report and ftc report for all of these accounts to all 3 bureaus. 

Here 's the information on these accounts. 

Account NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeAuto Loan ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$32000.00} written off. {$32000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$32000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$30000.00} Highest Balance {$0.00} Terms72 Months On Record UntilXX/XX/XXXXAccount NameXXXX XXXX XXXX XXXX Account NumberXXXX Account TypeCredit card ResponsibilityIndividual Date OpenedXXXX StatusAccount charged off. {$16000.00} written off. {$16000.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$16000.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Credit Limit {$10000.00} Highest Balance {$16000.00} TermsNA On Record UntilXX/XX/XXXX Account NameXXXX XXXX XXXX Account NumberXXXX Account TypeCollection ResponsibilityIndividual Date OpenedXXXX StatusCollection account. {$460.00} past due as of XX/XX/XXXX. 
Status UpdatedXX/XX/XXXX Balance {$460.00} Balance UpdatedXXXX Recent Payment $ XXXX  Monthly Payment {$0.00} Original Balance {$460.00} Highest Balance {$0.00} Terms1 Months On Record UntilXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a medical collection on my experian credit report. I called the creditor and they stated that this would be removed. It has been removed from the other two reports but not Experian. I filed this complaint before and Experian lied on the response stating that this was not on my credit report when it is. This violates hipa and needs to be removed asap. Experian has now extended this investigation to an additional 30 days.
Product: Credit reporting or other personal consumer reports

The below email was sent on XXXX to XXXX President of XXXX, AND submitted via XXXX Complaint # XXXX " I considered getting service with XXXXXXXX  back in XXXX of this year and changed my mind the following day. ( Thank GOD I did ). I called back the next morning and canceled the service. You tried to send the phones to my home anyway, of course I denied the XXXX  shipment. You all would not refund my money, so I had to file a dispute with my bank to be refunded. 

On Saturday XX/XX/XXXXXXXX  I received a letter from XXXX threatening to place a collection on my credit for {$500.00} for service THAT I'VE NEVER HAD!! 

I've spoken with, NOT 1, NOT 2, NOT 3, NOT 4, NOT, 5, BUT 6 SUPERVISORS SINCE XXXX!! who have either lied about following up, getting this taken care of, or not being able to access the account, Only the 5th Supervisor XXXX XXXX went through my account and read the previous notes in the account. He assured me he would take ownership of this issue and call me back on yesterday XX/XX/XXXX ... and of course HE DIDN'T CALL BACK. 

Just spoke with the 6th supervisor today and she says she can't get into the account because it's canceled. 

I'm hoping that someone at this email can get this cleared up. '' I received a follow up email from XXXX below on XX/XX/XXXX : XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Wed, XX/XX/XXXX, XXXX XXXX, I am XXXX XXXX XXXX Executive Response Team. I am reaching out to you regarding your recent inquiry concerning the corresponding you sent in, regarding the XXXX account. Your concerns are very important to me, and it is my pleasure to be your direct point of contact. Please contact me at your convenience at XXXX. I am available Monday through Friday between XXXX XXXX XXXX XXXX XXXX  CST. Can I please have a good contact number for you? 

XXXX XXXX XXXX, Team CEO Direct XXXX XXXX XXXX XXXX assured me this would be taken care of via and via her response on the XXXX website under the complaint # listed above. 

Today XX/XX/XXXX a {$160.00} was added to my Experian credit report by a collection agency named XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX. 

I've NEVER had service with XXXX. Their XXXX response and records reflect this! I was told this was taken care of in XXXX. Now in XXXX they send it to a collection agency?!?!? This is ridiculous. 

I also sent an email to the same XXXX XXXX folks today regarding the {$160.00} on my credit. All emails are attached in the link below. I'm unable to get access to the XXXX complaints because the codes I have are expired, but I emailed CC'ed them on the last email. But, I do have the emails showing the complaints and those are attached as well. 

I'm really hoping you all can help me. Thank you. 
XXXX XXXX
Product: Checking or savings account

It was XX/XX/XXXX when I wake up and looked in my account. Next thing I notice I heard ding ding Realized it was a fraud transaction so I immediately call Venmo. To stop them but they told me they cant do anything until its completed. I had XXXX now only XXXX. Bc of the fraud transaction. Put in a dispute now denied.. 
let them know it 18 transactions .. they decided to refund 12 transactions out of 6 transactions. Just trying to get my funding back in full. Now the last 6 transactions they owe me is still denied. 

Venmo debit card fraud transaction
Product: Vehicle loan or lease

XXXX XXXX altered paperwork to where Im not even the owner of my car my co signer is. Then I was sold a warranty which the very last page canceled the whole warranty so it was worthless, still waiting on that to be refunded. And Ive tried to get a paper copy of my financial contract and people from XXXX keep hanging up or telling me theyll fax it and one blank page will get sent To me.
Product: Debt collection

Reported the same debt in my XXXX 5 different times with different amounts and according to the the law its illegal to report this debt on my credit report without my permission. Also the amounts are inaccurate and listed multiple times and are invalidated by the agency. This is not my debt.
Product: Credit card or prepaid card

On XXXX/XXXX/XXXX, there was a XXXX charge of {$100.00} to a merchant that I 'm currently disputing with. This was for a service to modify XXXX on a XXXX XXXX XXXX to enhance the lightning bolt glow. Unfortunately, this merchant never worked on these expensive XXXX before, so he drilled unnecessary holes which can be seen from the outside of the car and made the lightning bolt very tacky. Also, he did n't know how to wire the XXXX so the lightning bolt was " always-on ''. It made these expensives XXXX ( $ XXXX XXXX look like {$200.00} home-made job. The merchant wanted me to leave my car overnight so he can fix these XXXX, but because this car is expensive and he had no insurance, I did n't feel it was right to leave my car there. What happens if my car was vandalized or broken into? The merchant worked out of a garage and neighborhood was a lot less to be desired. Basically, my car will be a guinea pig. 

I then decided to take my car to a different shop who have worked on these XXXX before and get the job done properly. 

I opened a dispute with XXXX XXXX XXXX for this {$100.00} charge, and they ruled in the favor with the merchant, even though I provided a detailed letter as requested by XXXX from the other shop explaining what the issues were and what was done to rectify them. The Customer Service XXXX told me they needed a detailed letter explaining what the issues and what were done, but still they ruled in favor with the merchant. 

I had never encountered such a dramatic bad experience with any credit card lender and will not be using XXXX credit cards anymore.
Product: Credit reporting, credit repair services, or other personal consumer reports

JPMCB HL Mortgage has a short sale showing on my credit report for {$250000.00} and it's still updating every month prior to the short sale..The account has been closed since 2014 and sill remain on my accounts after numerous disputes with the credit bureaus. ( XXXX, XXXX, & XXXX ).
Product: Vehicle loan or lease

On Friday, XX/XX/year> at XXXX am XXXX, I spoke with the representative from XXXX who was repossessing my vehicle. I provided the representative with the key and asked what next steps I needed to take - I was told I needed to contact the finance company. 

On Friday, XX/XX/year> at XXXX am XXXX, I spoke with XXXX ( sp? ) and asked what I needed to pay to get my vehicle back. She stated that the decision can take some time and to call back in a couple of hours to see if there was an update. She advised me that the vehicle could go to the auction lot but that I had until XX/XX/year> to make whatever payments were needed. She stated that I should not make a payment online and that when I was provided the amount the payment would need to be in certified funds. She also provided me with the contact information for the lot where my car was taken. 

On Friday, XX/XX/year> at XXXX pm XXXX, I spoke with XXXX XXXX sp? ) and let her know that I was told to call back in a couple of hours. I let her know that I spoke with XXXX and I needed to see what I needed to do to get my car back. She let me know it was just after XXXX pm XXXX and to give it a little more time. During the call, XXXX asked why I fell behind, I let her know that I had some financial troubles in XXXX and I have mental health problems, leading me to forget to make the payments again. She questioned the length of time between the payments ( " You weren't able to make a payment since XXXX? " ), as well as my ability to make the payments ( not verbatim - " I don't mean to be cruel... but are you going to be able to make the monthly payments? " ). While XXXX allegedly sent a message to the supervisors, she also stated that they are open tomorrow until XXXX pm XXXX. 

On Friday, XX/XX/year> at XXXX pm XXXX, I spoke with XXXX XXXX sp? ) and let her know that I was looking for an update as this is my third time calling. After being on the phone for just a moment with XXXX, she stated that she needed to " check somewhere else because [ she was ] still not seeing an update. '' She confirmed that she heard XXXX speaking with me and that she had sent an email to the supervisors, but that there was not an update. I asked when I could expect an update as I called this morning and was told to call back in a couple of hours by XXXX and then told to give it a little more time by XXXX. XXXX advised that it can generally take between XXXX hours to receive a decision, but they hope to have a response sooner and she believes that is what XXXX was trying to do earlier. XXXX then advised me that ( the supervisors ) were " not in over the weekend but please call back on Monday and hopefully [ they ] will have a decision by then. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my ANOTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 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 are not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/2006 ; XXXX XXXX XXXX, VA XXXX ; XXXX XXXX XXXX XXXX, VA XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX Balance : {$28000.00} XXXX  XXXX Balance : {$30000.00}
Product: Debt collection

I am disputing a collection attempt by Tenaglia & Hunt PA regarding an alleged debt with XXXX XXXX XXXX, XXXX, associated with Account Number Ending in XXXX ( Reference # : XXXX ). I received a collection letter on XX/XX/year>, and I want to make it clear that this debt is not mine. I am a victim of identity theft, and someone fraudulently used my personal information to open an account with XXXX XXXX XXXX, XXXX, without my consent. I have never had any financial relationship with XXXX XXXX and have never authorized or accessed this account. Under the Fair Debt Collection Practices Act, I am formally requesting that Tenaglia & Hunt PA immediately cease all collection efforts related to this fraudulent account. Additionally, under the Fair Credit Reporting Act, I am requesting copies of all records associated with this account, including account applications, statements, payment records, delivery addresses, phone numbers linked to the account, signatures, and any investigative reports. As a victim of identity theft, I have attached supporting documentation, including my FTC Identity Theft Report, to confirm that this debt is not mine. I also request confirmation in writing detailing the steps taken to resolve this dispute. This should include notification to XXXX XXXX XXXX, XXXX, that the debt resulted from identity theft, the cessation of all collection activities, and the removal of any related negative information from my credit report. I expect your agency to handle this matter in compliance with federal laws and look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX XXXX account number XXXX amount of {$960.00} opened on XXXX XXXX XXXX account number XXXX amount of {$100.00} opened on XX/XX/XXXX XXXX XXXX account number XXXX amount of - limit {$500.00} opened on XX/XX/XXXX, Has violated my rights 15 U.S.C 1681 section 602 A. : States I have the right to privacy 15 U.S.C 1681 section 604 A. Section 2 : Also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I notified the 3 major bureaus regarding accounts that are erroneous and reporting fraudulently under my name. The most recent correspondence was sent 3 weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've called and mailed a certified letter to the following lenders and credit agency on XX/XX/XXXX, informing them about the incorrect information that's reporting on my credit report. I don't recognize either company, I've expressed my concern and I have yet to receive any correspondence that the following inquires were removed. 

Transunion XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

I had no credit inquiry 's on my trans union report before XXXX 2016, i applied for a credit cars and was denied do the fact TO MANY INQUIRY 'S on my report. I did find out that TRANS UNION had a cliche in their system and as of XX/XX/2016 all XXXX inquirys where back on my report. I called and they told me nothing they can do. I called apx 5xs and NOBODY would transfer me to an AMERICAN SUPERVISOR ... still till this day i cant get someone to help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

filed bk chapter XXXX Discharged XX/XX/16 case number XXXX
Product: Money transfer, virtual currency, or money service

I purchased 3 moneygram from CVS in XXXX, virginia. However, I didn't use it and was able to cash 2 of the moneygrams. The 3rd moneygram is still in my wallet, and I have the receipts showing proof of purchased, etc. I followed all of Moneygrams procedures and rules in order to cash the moneyorder / moneygram and get a refund. MoneyGram is refusing to refund my moneyorder or even allow me to cash the moneyorder. I received 4 to 7 emails with " open claims investigations '' that I didn't request. Several case numbers which is preventing me from cashing the moneyorder at my local check cashing business. MoneyGram is holding my funds, not responding to my emails, refusing to provide any information. I would believe that MoneyGram is refusing to return my {$500.00} which is a serious crime in the state of Virginia. Considering hiring an attorney, this is a terrible situation for me. I don't have any other option but to file this complaint today, hopefully something will be resolved soon.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, MA Equifax XXXX XXXX XXXX, XXXX GA, XXXX ATTN : DISPUTE/CLIENT RESOLUTION XXXX RE : FRAUDULENT REPORT Please be advised that as of XX/XX/XXXX as listed on my most recently reviewed consumer credit report, there are several fraud accounts listed. As a reference, please see the below accounts : I am hereby notifying you that these are fraudulent and neither on those dates or dates similar did I authorize any individual from the listed company furnish my consumer credit report. Additionally, I have not given permission to furnish this information. Having understood this is a violation of 15 U.S.C. 1681b. Both together and separately my consumer and privacy rights are being violated. 

XXXX XXXXXXXX XXXX XXXX XXXX, XXXX PA XXXX XX/XX/XXXX XXXX XX/XX/XXXX The aforementioned fraudulent/unauthorized accounts are to be removed from my consumer credit report and file IMMEDIATELY as the reporting of them has caused me and my reputation harm and discrimination. 



Without XXXX, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently perused a copy of my credit history. It said that the credit request originated from the credit inquiries listed below. However, I did not provide my consent for these questions to be asked. In response, I'm writing to contest these inquiries and ask that it be removed from my credit 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
Product: Checking or savings account

My business account was hacked and around {$80000.00} was stolen starting on XXXX. I have a lot of transactions and did not notice the fraud until XXXX at which time I notified my bank and discovered how bad it was. We started a fraud claim and received a letter stated they will not cover anything XXXX days after the statement date of the first unauthorized transaction. That would be XXXX and they saying that they will not cover anything XXXX days past the first unauthorized transaction. I have copies of secure letter from them and copies of claim. I am now trying to contact the other banks where my money was deposited to in order to recover it.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX Account number : XXXX - IDENTITY THEFT CREDIT XXXX XXXX Account number XXXX - IDENTITY THEFT XXXX Account number : XXXX - IDENTITY THEFT 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

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