23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have a XXXX XXXX XXXX XXXX that I bought in XXXX the interest rate is too high I tried to get it Lowered but the company would not lower the interest rate for me. I still have two more years at $ XXXX. to pay on it. The last month I've spent {$5000.00} on the car for suspension and tires now the transmission went out and I still have two years to pay at {$560.00} a month can I please get some help.
Product: Credit reporting or other personal consumer reports

I appreciate you making the effort to update and repair some of the data on my credit report, but there are still items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccuracies on my credit report that are directly impacting my financial well-being. As someone who prioritizes financial responsibility, I consistently monitor my accounts, ensure timely payments, and review my credit reports regularly. It is through this diligence that I identified several reporting errors that require immediate correction.
Product: Credit reporting or other personal consumer reports

I am formally disputing the following negative items on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XX/XX/2022
Product: Debt collection

I previously notified you that I am a victim of identity theft, and requested that you do the following : Close the unauthorized account Remove any charges on the unauthorized account, and Take steps to remove information about this account from my credit files.

I still have not received written confirmation of these actions. As I stated before : I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files.

I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a letter to Equifax to investigate the list of inquiries that are currently listed on my credit report. I have received a letter from Equifax dated for XX/XX/XXXX explaining that the list of credit inquiries " are not currently reporting on the credit file ''.

I waited the toward the end of the month to pull an updated credit report from one of the monitoring provider I currently pay for. I pulled my Equifax report and there was no change to my file. The same list of credit inquiries are still being reported on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was taken advantage of due to malpractice. While several Federal laws were broken under the ( FCRA ) by your company. 

This has caused me defamation of character, severe hardships, XXXX, XXXX XXXX, XXXX XXXX loss of enjoyment of activities. I cant apply for credit, my ability to apply for credit is tainted.
Product: Debt collection

Bay XXXX Credit calling to collect payment on behalf of XXXX XXXX XXXX XXXX. I contacted med insurance, said paid XXXX 2015. I contacted XXXX XXXX XXXX XXXX. Verified account paid XXXX 2015, currently XXXX balance, Next time Bay Area Credit called, I communicated this information to them. They continue to call me every few days.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has reported unvalidated and unverified accounts on my consumer credit report. I do not have a relationship with Sequoia Financial Services or XXXX XXXX XXXX, XXXX. I do not have a signed contract with the alleged debt collectors. XXXX has violated my right to privacy and failed to properly validate an alleged debt before placing the account on my consumer credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this complain certified mail to help establish a legal recourse. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law... Please remove/block the items/account as they are fraudulent & were opened without my consent or knowledge... Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX Account : XXXX XXXX XXXX. If you claim this account is 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.
Product: Debt collection

COMPLAINT Now comes, XXXX XXXX, in consumer capacity filing a complaint against debt collection agency Rossman & Co, an Ohio agency licensed to collect debts in the state of OHIO ; In XX/XX/XXXX, I checked my credit report and discovered Rossman & Co tradename on my credit file as a closed account and disputed the account with all XXXX credit bureaus ; On XX/XX/XXXX I received my credit report update from initial dispute, and Rossman & Co was update to XXXX and XXXX credit bureaus as a verified account ; Rossman & Co placed their tradename on my file in XX/XX/XXXX ; and date last reported XX/XX/XXXX ; For the record, there is no evidence of a contractual liability ; expressed or implied tacit agreement with Rossman & Co and XXXX XXXX ; I have never received any validation letter from Rossman & Co prior to their tradename on my credit file in XX/XX/XXXX ; and allegedly verifying the debt as valid to XXXX ; This conduct is a direct violation of XXXX Validation of debts ; XXXX, and XXXX Case No. XXXX ( XXXX XX/XX/XXXX ) This conduct is a direct violation of XXXX false and misleading representation ; XXXX ; XXXX, XXXX XXXX XXXX, ( XXXX XXXX ). 

This conduct is defaming my character without proof of claim of a valid honest contractual agreement in writing In accordance with XXXX Ohio Statutes of Frauds ; XXXX, XXXX ; This Conduct violates XXXX disclosures to consumers FCRA by not properly validating the debt to me after initial dispute in XX/XX/XXXX ; and falsely misleading credit bureaus with inaccurate information ; I am being denied credit do to the fact of Rossman & Co actions, and If their tradename is not deleted off my credit file ; I will filing civilly seeking punitive damages in accordance with United States Court of Appeals, XXXX Circuit, Case No. XXXX, XXXX, XX/XX/XXXX ;
Product: Money transfer, virtual currency, or money service

Hello : I have had a PayPal account for personal use for over 10 years. I just received a notification that for " Possible '' risky activity, they have permanently suspended my account, tried to " Close '' the account and they will not let me. When I finally was able to contact a representative, I was told that she could not see anything on her end, regarding my account, that could lead us to understand exactly what it was that triggered the suspension. Thus, she informed me that she would send the case upwards for appeal. I just received a notification that upon reviewing my account that their Permanent Suspension would stand, still without any specific reason given other than " POSSIBLE '' risky activity and as such per their Terms of Service they have the right to refuse service. 

The takeaways here are that ONE : There is no stated actual rationale for the suspension.

TWO : That while I can still log in and view my account, I am blocked from engaging in any activity, such as buying or sending money, the only activity I have ever used this account! 
THREE : I have been informed, via the website, that I am unable to close this account, as such my confidential information is open to being " Hacked ''. 

I have done some research into this and it seems that for some reason, not stated, PayPal has been doing this to it's customers for some time and as far as I can tell it is happening more and more frequently. 

The goal here is to either have my account re-instated without prejudice, PayPay held accountable, or to have the ability to close this account ( again without prejudice ) so that I maybe able to reopen my account with new and updated credentials... PayPal is one of the very few ways to be able to purchase goods and services on-line and thus is very important to have available for use. Lastly, to be informed as to EXACTLY what it was or is that triggered the suspension to begin with!!! 

I was going to try and upload a screen print of the chat session I had with PayPal and it is no longer available for review!! 

Thank you for taking the time to review my issue. 

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

I have a loan with XXXX XXXX. The current status should not be showing late because I paid it on time XXXX, XXXX and TransUnion Credit Reporting Agencies lacks proper record keeping. The account is closed and when I requested records to prove theyre reporting is erroneously they have failed to provide me with any evidence.. Lets correct this immediately. The Bureaus are required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately. REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT. 
XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2017 XXXX : {$380000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score continues not to increase no matter how much I improve my credit. It is the same score as it has alway been since I have had credit. 570-580. I have owed a car a faithful on my car payments 3 years straight ( same score ) it show 's I no I closed my account with my rental XXXX XXXX because our lease was up. Stay there 2 years paid on time, but it show account closed. which decrease points and it's was an apartment, but it does not show good credit like I paid 2 years straight it shows closed which decrease your credit points. The credit bureau has never showed good credit like now it went up only 3 point and one went down 3 points, however, it has never raise more then 570-580 since I have had credit and I am in my 50 's
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a charge off account on my credit report that's fraudulent. I have call and sent many letters. I sent identity report.
Product: Credit reporting

I contacted all XXXX bureaus regarding fraudulent access to my credit file but only XXXX have fraud alert on them because XXXX was giving me a hard time. I have hard inquires on my file which was not authorized. I was informed that I must contact the companies to remove the inquires. After I did what I was informed, the companies informed me that they do not have anything in there system with my information. It 's ridiculous how I have a fraud alert on my credit report yet these companies can have access to my credit report. Who is protecting my information? Why did XXXX allow such numerous companies and some more than once access my report without my authorization. I request that each inquire get removed and I request that an update credit report reflecting such changes.
Product: Debt collection

Love, Beal & Nixon got a wage garnishment against me for {$10000.00} for a debt that is not mine from XXXX. LB & N claim that I owe this debt. The debt is from a credit card company called XXXX. They went out of business in XXXX.XXXX, picked up the debt in XXXX and sued me then XXXX XXXX in XXXX. I have never heard of XXXX, nor have I ever been served with a Subpoena to appear in court. XXXX hired Love, Beal & Nixon a debt collector, I don't know when. I'm guessing in XXXX. LB & N say they served me a subpoena in XXXX, which is a bold face lie. I have NEVER been served with a subpoena of any kind, from anyone. Now zoom to XXXX LB & N have gotten a wage garnishment against me for almost. I called them to see if they would take less, or get some kind of payment just to get this over with. I first offered {$1000.00}, the {$2000.00}. She said that they want {$11000.00} now. What happening here, in order for me to get out of this debt, that is not mine, I'm being forced to file for bankruptcy. That's not right. I've spent the last 9 years building my credit, from a score of XXXX, to a score of XXXX. For 9 years I have never heard hide nor hair from Love, Beal & Nixon. Not a word. Now this. They want more money now, than what the garnishment is. At 29.99 % interest. There is absolutely no way for anyone to pay that off. I bring home {$1500.00} a month. And I am at my witts end. Nor do I want to file for bankruptcy. I don't know what else to do. They are trying to ruin my life. I'm XXXX, and I don't know who to turn to, but you. Please help.
Product: Credit card or prepaid card

On XX/XX/XXXX, I called XXXX XXXX Commenity bank to pay off account and close account and I asked for the full amount due. I paid the amount that was told to me and it should have been the end of it. I had not been late on any payments or delinquent. Then months later the company reported late charges and delinquency. I was furious as I had done my responsibility in paying this in full and had closed the account. As a result of this companys failure to keep proper records or inform me correct my credit report was inaccurate and negatively effected. I reached out to Commenity on 3 different occasions XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX to get this corrected I was told they were fixing this and that it would take 5-10 days to close the acct and show a XXXX balance but I had previously closed the account in XXXX when I paid the balance in full. Commenity also told me they had no control over what was reported to my credit report and to contact XXXX which I have and filed a dispute. This is unfair business practice and I should not be penalized for this company inaccurate reporting. I want them to correct their error immediately and take responsibility for the mistake. I pay all of my bills on time and this is the only mark on my report since my bankruptcy and I have worked very hard to rebuild my good standing with the credit bureau.
Product: Payday loan, title loan, or personal loan

I've been affected by the current pandemic at hand and there's no way for me to make money if I can't even leave my house. I'm currently in lockdown in New Jersey with no way to pay for this personal loan because I have little to no income right now. 

I called TD Bank hoping they would somehow alleviate my situation, but all they offered was a week extension of my due date. This was changed from XX/XX/XXXX to XX/XX/XXXX and this action took place on XX/XX/2020.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a credit card from XXXX XXXX, and I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system mistakenly put me on paperless billing, which I did not request, and it caused my 30 day late. As you can see, I have always had a stellar payment record. I tried contacting XXXX, Equifax, XXXX, and XXXX XXXX  with no successful resolution. Equifax, and XXXX reporting me 30 days late in XX/XX/2021. There was an error on their part. I was never 30 days late.
Product: Credit card or prepaid card

There were two XXXX XXXX accounts on my consumer report. I did not recognize one account and I reported it as fraud. The account that I did recognize, I just made a payment on XX/XX/XXXX or XXXX, XXXX. XXXX received the fraud report and closed the account on XX/XX/XXXX, that I just made a payment on. I was not called or received any letters asking me to verify the active account BEFORE it was closed. They could have blocked the account until it was verified, without closing it. I did NOT know that the account I didnt recognize was attached to the active account I just made a payment on. When I discovered this, I called XXXX, explained what happened and claimed full responsibility for the once active account that I opened XX/XX/XXXX. I even faxed documents verifying the account and claiming full responsibility. They even mailed me a letter, stating that theyve concluded their investigation and found that the account is mine and they had verified payments. Still, they have not reopened my account with full access and reissued a new card.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, XXXX I needed a credit card to use to charge airline tickets, hotels, car rentals etc. as part of my job as a traveling computer consultant. I was having g credit issues that resulted in a bankruptcy filing in XXXX, XXXX so I asked my sister to add me to her XXXX XXXX XXXX XXXX ( XXXX XXXX ) as an authorized user. She called and did so. I used the card until XXXX at which time I returned the card to her with no balance. 

She began using the card and reporting to all 3 credit bureaus reflects that that account is mine I never signed anything authorizing them to make me a co-owner of that account. Now her account repeated shows up as mine and it causes a heavy usage to reflect on my account since she has the card at 90+ % of the limit. 

I have on 2 separate occasions written and asked for proof that I signed anything making me the owner of the account. I get back a response that the account is reflecting correctly and they refuse to provide me proof that I authorized them to make me a co-owner of the account.
Product: Vehicle loan or lease

In XXXX of XXXX I signed a loan agreement with ( Santander XXXX ) of which was for XXXX $ with a XXXX % APR on a XXXX XXXX XXXX with monthly payments of XXXX XXXX in the loan agreement it was noted that every day past a late payment would be an additional XXXX $ XXXX day. I have paid over XXXX $ on my loan as of today and STILL somehow owe XXXX $ on my vehicle! I call and try to get an explanation from the loan company but they never give me answer to why whatsoever! I believe there is something illegal going on here and would very much appreciate this situation to get solved.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove Inquiries. All the information is in the documents attached.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a follow up today to inform the XXXX, XXXX and TransUnion Bureaus of the urgency of this matter. I already submitted a report to the FEDERAL TRADE COMMISION and Per FCRA section 605b Credit Reporting Agencies are obliged to remove any items listed on an id theft report. Please refer to the attached documents to assist in the removing of the erroneous information which is being posted to my report. Once more, here is the list of items which I need the 3 Credit Bureaus to remove from my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my reports and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a identity theft report and Per FCRA section 605b Credit Bureaus are required to remove any items listed on an id theft report. Please find the ATTACHED documents to assist in the removing of the erroneous information which is being posted to my reports. Here is the list of items which do not belong to me or were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT BUREAUS shall block 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.