23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

THIS XXXX XXXX ACCOUNT FOR THE AMOUNT OF {$1200.00} IS AGGRESSIVE FRAUD COMMITTED AGAINST ME. MY PERSONAL INFORMATION IS COMPROMISED WITHOUT MY CONSENT AND BEEN ADDED TO MY CREDIT REPORT WITHOUT PROPER VERIFICATION AND HAS BEEN AFFECTING MY LIFE. MY PERSONAL INFORMATION HAS BEEN ALSO BEEN IN SEVERAL BREACHES LIKE THE XXXX AND XXXX BREACH. 
ACCORDING TO THE FCRA 15USC1681, THIS IS A VIOLATION. IM REQUESTING THAT THIS ACCOUNT BE REMOVED IMMEDIATELY FROM EXPERIAN, XXXX, AND XXXX. 
AS I REPORTED THIS TO THE CFPB AS WELL. ALSO PLEASE UPDATE MY ADDRESS TO ONLY XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX. ANY OTHER ADDRESSES LISTED ON MY CREDIT PROFILE ARE FRAUDULENT.
Product: Credit reporting

On credit reports, I have found out all XXXX collections happened in the middle of staying in XXXX on the time frame XX/XX/XXXX-XX/XX/XXXX, which in no ways and in no reasons I subscribed these utilities. 
XXXX collections were as follows : *XXXX in XXXX ... ... ... ... ... ... ... ... ... ... ... ... {$240.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... {$320.00} *XXXX in XX/XX/XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... {$2000.00} I have disputed this problem on XXXX credit report on the ground of alibi with some initial partial result ( Case No-XXXX ). Now comes I would like to dispute the same problems on other XXXX credit reports, Equifax and XXXX. 
I had been XXXX from XXXX XXXX to XXXX XXXX. Upon the departure on XXXX XXXX, XXXX, I deliberately left my house vacant without any authorized occupant at XXXX. By XX/XX/XXXX I was informed that the house had been broken in at least 10-20 times. The valuable properties in the house and the XXXX XXXX XXXX in the garage were stolen. They might include the check books of XXXX banks ; ID and several credit cards ; computers and personal, investment and legal documents, and others. The loss of properties in the house was settled with XXXX by year XXXX. And the loss of vehicle is still dragged on with XXXX.Because the house in XXXX has been extensively damaged without utilities and therefore, uninhabitable ; I had to settle in a house of friend upon the XXXX on XXXX XXXX, XXXX at XXXX. 
Please help me to resolve the problem during the hardship. 
Respectfully, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a XXXX XXXX used XXXX XXXX from a car lot in XXXX. I paid the car off. They never sent me the documents. Since then the original lender went out of business and now they sold my contract to a 3 rd party. 
O have been trying for several years to get XXXX and XXXX to help me get this inaccurate info off my credit report. 
First of all its been past the 7 years, and they are claiming I owe them {$3.00}, XXXX dollars. The car did not even cost that much, and Im still in possession of the car. They are lying about everything, and some how they are extending keeping it on my credit report. I dont know who the creditor is, and I have never spoken to them. I did try and call the original company a few years ago, but they are no longer in business. 
Also they are reporting that the date The account was opened was in XXXX, XXXX. And thats not true at all. Id like to see copy of my original contract and how they came up with the amount of XXXX dollars. 
No one is trying to help me. 
Some of the information on my report is not correct, such as past address, name, birthday, and employment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted TransUnion In XX/XX/2022, XX/XX/2022 and XX/XX/2022 about ( XXXX ) XXXX unauthorized inquiries that they are reporting on my credit report. I contacted the XXXX creditors XXXX XXXX XXXX  ( bank ) and XXXX XXXX XXXX ( finance ), they said they contacted the credit bureaus to let them know they weren't any transaction or permissible purpose between them and me. These inquiries are affecting my interest rate to potential loans I am applying for.
Product: Credit card or prepaid card

On XX/XX/2020 I've applied for a Chase credit card ( Amazon Rewards Visa Signature Card ). Chase made a hard inquiry on my XXXX  credit file, negatively impacting my credit score. 
After a couple of days I've received an email informing me that the new card was approved with a {$7700.00} credit line. That was expected as I already have 2 revolving accounts, always pay on time, and so I get very good scores with all the 3 credit bureaus ( typically in the 749-769 range ). 
When I've received the new credit card in my mailbox, I've logged in on the Chase web portal to activate the card, but found out that since XX/XX/2020 the account is closed. I have never used the card, and the only explanation provided by the Chase Cardmember services was the following : - not enough credit information on file. 

According to Chase this is intentional and is not a mistake on their side. Chase is apparently not willing to re-open the account. 
I've basically taken the hit on my credit score, got the approval, but was never able to use the card.
Product: Vehicle loan or lease

Terrible customer service. Never able to get thru in their phone numbers, never a resolution. When I leased I was never aware that a third party was involved since I only received correspondences/bills from XXXX  ( bank ). Wish I would had known because the involvement of Fusion is a nightmare. The issue is that I returned a XXXX XXXX XXXX in perfect condition to XXXX XXXX  dealer ( NJ ) on XX/XX/XXXX and leased a new XXXX XXXX. I was told by the dealership agent that since I was leaving with a new leased car I should not be charged with dispositions fee. Also was given a lease return document in which the boxes of no damage, vehicle abuse nor missing equipment were checked. The damage description section had nothing major to be checked. To my surprise I received a bill from Fusion for {$1800.00}. IT IS UNBELIEVABLE!!!! Reading previous reviews this seems to be Fusion practice. First of all, I have leased for over 15 years directly with the Motor Finance companies of XXXX, XXXX, XXXX and XXXX ; unfortunately in this particular lease my contract was handle by Fusion, and is the first time something like that happens. I was never sent information on lease end 90 days before, as they claim in their website that they do ; neither was I aware that I needed to return vehicle to a different place other than to the dealer as I had done with all my previous cars. Was never told that by the finance manager or sales person at XXXX XXXX either. I was also told though that if you lease a new vehicle you do have up to certain amount on wear and tear excess that is covered. MORE TO MY SURPRISE, I am also being charged for 5 dents in the roof of the truck which I adamantly dispute {$300.00} because that vehicle never had any collision or damage at the roof, it was probably when they transported it. Also, if a highly recognized insurance company approved of a repair of the bumper and had their inspector check it, then pay auto reputable body shop directly for their job ; how can a Fusion inspector claim that it was poorly repair and now charge me? I also dispute that charge of {$280.00}. In addition I am disputing {$300.00} for cleaning of the pick up bed from paint as they claim ; it might have been dirty but that is an excessive charge. At the beginning of the lease I added and extra pick up bed cover/side steps which I left on, as well as an alarm system for which I paid extra ; out of the 30,000 miles allowance I only drove XXXX ; in consequence they should then give me a credit for that instead. Reading and following up on previous reviews as well as complaints, it seems to be a very consistent pattern of Fusion to overcharge on vehicles that are returned in good condition. Complaints in XXXX, XXXX  as well as other sites are all in agreement of the Fusion overcharging scam. Independent body shops in the area told me that the repair cost are much less than what Fusion is charging. 
XXXX XXXX Lease end invoice # XXXX for {$1800.00} XXXX XXXX XXXX/Fusion Auto Finance dated XX/XX/XXXX. 
XXXX XXXX XXXX, vin XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to follow up on a prior CFPB complaint with XXXX XXXX with Complaint ID XXXX-XXXX. 

In my previous complaint, I had indicated that XXXX XXXX continues to falsely report a late payment for XX/XX/XXXX on my credit report. In their response, which is attached, they have failed to address my complaints or pay heedance to the facts surrounding my account, or ; the evidence I have repeatedly submitted to them. 

XXXX XXXX starts off her letter with the statement " As it is my intent to provide our customers with quality service ''. Clearly, XXXX XXXX had demonstrated a low bar for " quality '' service as they continue to damage my credit with false and erroneous information despite repeated attempts to resolve this issue. 

I have never had a late payment with XXXX XXXX. XXXX XXXX, in her letter says " As stated in our letter dated XX/XX/XXXX, we are unable to locate a Bill Pay payment made on or around XX/XX/XXXX, for {$78.00}. We have requested that you verify with your bank that the correct XXXX credit card account number and payment address were listed on the payment in question. ". I have attached a screenshot of the payment. XXXX XXXX clearly misplaced the check my bank mailed in. XXXX XXXX can not continue to damage my credit when it is their responsibility to process payments correctly and promptly. 

XXXX further states " While we were unable to remove the 30-day delinquency reported to the Consumer Reporting Agencies ( CRAs ) for XX/XX/XXXX, we were able to reset the delinquency on your account for XX/XX/XXXX as a courtesy. ". I never had a late payment in XX/XX/XXXX. There is no courtesy or favors being extended here. Fortunately, this was removed from my credit - but not as a courtesy, but because it was a mistake XXXX XXXX made. 

I have also attached an export of the history of my payments clearly demonstrating their was no late payments in XX/XX/XXXX. 

They must immediately remove the late payment from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to you for this time regarding the accounts listed below that continue to appear on my credit report. Despite my repeated attempts to have these inaccuracies corrected, these accounts remain on my report, negatively impacting my credit score and causing me undue stress and hardship. I am once again formally requesting that these accounts be permanently removed from my credit report. This request is made under the provisions of the Fair Credit Reporting Act ( FCRA ), which obligates credit reporting agencies to ensure the accuracy of the information they report. These are the following accounts : XXXX. XXXX XXXX XXXX XXXX : {$0.00} - It seems that the following information reported is incorrect : account number, payment status, and date open. Get it right immediately ; otherwise, update the account from my report. 

XXXX. XXXX XXXX* Balance Owed : {$0.00} - You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the Payment History and Status information on this account and adjust accordingly. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - Please check the status of this account. It is entirely wrong, to begin with. I was never late on this account. 

XXXX. XXXX XXXX Balance Owed : {$0.00} - My record shows that this account was paid as Agreed and I never missed a payment. Please update it immediately. 

XXXX. XXXX XXXX XXXXXXXX Balance Owed : {$0.00} - The number of late payments is incorrect. I never missed a payment. Please adjust immediately. 

XXXX. XXXX XXXX XXXX Balance Owed : {$0.00} - XXXX requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections, you elected not to. 

XXXX. XXXX XXXX Balance Owed : {$200.00} - The limit to this account was a fraction of the amount due as stated. That is utterly unfathomable! Had a proper investigation been conducted you would have seen the error and corrected it immediately. You failed to do your job ; you must now REMOVE THIS ITEM ALTOGETHER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX AMER FST FIN XXXXthat listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I called the number provided on becu website. I ask to speak to a Loan department. Spoke to a lady she asked me for my basic information social security, date of birth, and the reason for my call. I stated my hardship and explained my issues that I was 2 months behind rent and will be evicted, and the reason I can possibly fall behind on my bills on the credit cards I currently have open with becu and I am active searching for a job everyday and I do not have a vehicle due to recent denied request. I have children and been calling around to any charity programs.
After my explanation to her, I was transferred to collections departments not knowing, because he did not state this was collections I was speaking to. I thought I was transfer to Loan department hoping to tell me different options that are available to low income assistant program loans. But the collections person I spoke to did not provide available resources or option available for my current situation.
Product: Debt collection

This all started when my wife was opening new service in XX/XX/2022 from XXXX for our new address. When I spoke to a representative, they stated I owe {$980.00} for service in Georgia USA. I explained we don't live in Georgia nor have we in the past. I gave the representative all of my current information as well as my personal information for verification purpose. However the representative stated I still owe for an account I did not open, and this is fraudulent. I asked the representative if they have identification on file and they said yes. 
They called several times requesting payment and tried to withdraw funds from my credit card for the past amount due from someone in Georgia. 

Yesterday I received a letter from XXXX. XXXX XXXX stating I owe {$4100.00}. 

This is illegal and I should not be charged or pay for something I have no knowledge of. I explained this to the representative, however they were not interested in hearing what I had to say. They wanted me to pay for someone's else bill.
Product: Mortgage

I applied & was approved for XXXX XXXX XXXXXXXX in XX/XX/2022. I started employment XX/XX/2022. 
I realize the program was a XXXX time program, due to my circumstances I recently started employment. 
Seeing as I was approved for XXXX XXXX XXXXXXXX & received {$32000.00} toward my mortgage, not the maximum amount Why wouldn't I be able to receive additional mortgage assistance, an extension towards the prior XXXX before I started working... 
XXXX thru XX/XX/2022, an additional XXXX XXXX since I didn't receive the maximum amount available? 
Its pretty much impossible for me to make up the difference as I've been without income for over a XXXX. Plus my XXXX XXXX  was the lowest amount awarded even though I had wages to factor in, which was never recalculated towards my claim. I've been struggling XXXX XXXX XXXX XXXX XXXX, contemplating XXXX fighting to succeed to get to this point of loosing my house because the eligibility for XXXX XXXX  XXXX program is a 'XXXX XXXX  XXXX ' which makes no sense especially in my personal unique situation. 
I would GREATLY appreciate the additional money from XXXX XXXX XXXXXXXX fund to make my mortgage current. 
Thank you for your time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with Carmax that is not showing on my XXXX credit report. I have contacted Carmax with no results. The account shows on XXXX and XXXX, but not XXXX. I also contacted XXXX but they report what is given to them.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 
And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This dispute is for two Bankruptcies on my report that have been disputed multiple times in the past few months. The bureaus have never sent me verification of these items also after disputing the date of last activity is never updated and this is an FCRA violation please remove these items. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts below are more than 7 years old and should be deleted. Also these debts are all paid or I received an 1099-C for these debts. 

XXXX XXXX XXXX XXXX XXXX - - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$26000.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX {$4900.00} - - Installment Negative XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XXXX XXXX XXXX - - - Installment Paid XX/XX/2011 XXXX XXXX XX/XX/XXXXXXXX - {$3000.00} - Revolving Negative XX/XX/2011 XX/XX/2011
Product: Credit reporting

Someone opened credit cards in my name. They are delinquent and I have canceled them but they dropped my credit substantially and the credit report does n't reference fraud.
Product: Credit reporting or other personal consumer reports

According to the IRS when a debt is charged off by a creditor, it means the creditor has given up on attempting to collect the debt and declared it as a loss for tax purposes. 

When a creditor charges off a debt, theyre required to file a 1099-C form with the IRS, which reports the amount of the canceled debt as income. This means that I may own taxes on the charged-off amount, even though I didnt receive any money from the creditor.
Product: Checking or savings account

Hello I purchased an {$830.00} XXXX XXXX  on XXXX  on XX/XX/2020. After several days of waiting ( about 10 days ) and lack of shipping info from the seller, I sensed I probably never going to receive the monitor and the seller might be a scammer, I decided to open a case on Paypal. Paypal is the method I used to purchase this monitor. However, it takes me 2 weeks to receive a refund from Paypal, I couldn't wait for that long due to the need for school work, and I found out it only takes three days for me to receive the refund  from XXXX, so I canceled the case on Paypal without knowing I couldn't reopen the case once it's closed and I couldn't open another case on XXXX even tho the case on Paypal is closed. At this point, the only way for me to get a refund is from my bank -- -XXXX  XXXX XXXX . I contacted my bank and opened a claim, however they rejected me without doing a further investigation, the response they gave me is I used PayPal for the transaction and it's authorized so they can't get my money back, they don't care about if I was scammed or if I received the item. All of those rejections lead me to here, I want to get my money back and scammer should not receive the money and keep  scamming people.
Product: Credit reporting or other personal consumer reports

I started shopping for mortgage rates on XX/XX/year>. 

On XX/XX/year>, I applied for pre-approval, resulting in a hard inquiry. This inquiry is listed as : XXXX XXXX XXXX via XXXX XXXX XX/XX/year> Then, on XX/XX/year>, I applied for a second pre-approval, shopping for better rates. This resulted in a second hard inquiry, listed as : PENTAGON FEDERAL CRE via XXXX XX/XX/year> According to the FCRA, multiple hard inquiries for the purposes of mortgage lending/pre-approvals within a 14-day window are only counted as a single hard inquiry on my credit report. However, this is not the case currently. 

XXXX/PENFED have the inquiry coded incorrectly, as several others have discovered themselves. Now that I am going through the lending process again, these multiple hard inquiries have had a negative effect on my credit score. 

This should be resolved immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I canceled a membership with Experian due to the company was playing with my credit Store. They will add false information to their system. Also, their agents are extremely rude. I added a security freeze in my account and because I downgrade that member Experian retaliated by unlocking my account and blocking me from removing any security freeze. I was able to reach out to one rude agent. Not from the US. Unwilling to help. He was asking me all types of questions when their IVR had already authenticated the account. He lied to me tell me that he unfreeze the account when he did not unfreeze the account and he purposely change my security PIN when I asked him not to. Now, these people have full access to my personal information. I need this to be resolved. I will get legal advice against Experian
Product: Credit reporting or other personal consumer reports

I have reached out to the credit agencies numerous times to update my personal information and I have not had any success because nothing has been updated so I am reaching for help. To verify my identity I have enclosed a copy of my ID with my correct address I also upload my social and bill