23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

So I have multiple debts I can not pay no matter the payment plan and I get a call multiple calls almost every day between XXXX and XXXX everytime I block their numbers they just use a new number and I can't get sleep because of it they wake me up every hour to every half an hour. 
I don't refuse to pay the debt but I just can't pay it I can barely even pay for cigarettes. 
I know this doesnt seem like much but I can't function because of them.
Product: Credit reporting or other personal consumer reports

I traded a car at XXXX XXXX years ago and traded it for another car at the same dealer ship and they were to pay the the one I traded off but I have XXXX  tied to get them to correct this on my credit report it still shows inhave a XXXX, XXXX loan out whe it should be closed and marked as paid I have reached out to XXXX they are willing to help its expire and that is giveing me the problem they have computers who make choices for them
Product: Debt collection

I was in XXXX my ex husband was using my all information with his XXXX he knows my all life because we have XXXX Kids he was in XXXX  i am trying to rent an apartment but i cant i call the apartments they dont answeered al raedy they have an other company i did a Police report my daughter was in XXXX XXXX  case we were.living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that Credit Bureaus are not hindering records when I sent a copy of FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that Experian decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here is the list of items that need to be removed from my that are unknown to me : 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 want to inform you that I have been a victim of identity theft. This letter serves as a formal dispute of the following accounts on my credit report. These accounts are fraudulent and Im not sure how the theft took place on my report. The banks already approved to remove the accounts from the other bureaus and Im wondering why you still reporting these on your bureau. This is driving me nuts on what kind of dispute process are you doing. I called Equifax about a month ago and they said they will remove these but are still showing on my report. Both the bureau and the banks agreed to remove the accounts and none of them have complied with what they said. Please have these accounts removed from my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint to TRANSUNION for allowing fraudulent accounts on my credit report and for no corrective actions taken on this fraudulent information. As I checked my recent credit report, inaccurate accounts are reporting on my credit report and no further actions have been taken. I have filed an XXXX report which I included here with report number XXXX for your reference and as proof of these inaccurate reporting.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep concern and frustration regarding the multiple unsuccessful attempts to remove fraudulent items from my credit file with Credit Bureaus. Despite my persistent efforts to rectify these unauthorized entries, the issue persists, causing severe financial and emotional distress. I became aware of fraudulent items on my credit report, indicating potential identity theft. Since then, I have diligently contacted your dispute resolution department on numerous occasions, submitted written requests, and provided all necessary documentation to support the removal of the fraudulent entries. Regrettably, despite my ongoing efforts, the unauthorized items remain on my credit file, negatively impacting my creditworthiness. I request that you thoroughly review this information and take immediate action to rectify the situation. The continued presence of these fraudulent items on my credit report is not only affecting my ability to secure credit but also causing considerable stress and anxiety. If my concerns are not addressed within the specified timeframe from the date of this letter, I will have no choice but to escalate this matter to regulatory authorities and seek legal remedies to protect my rights as a consumer. I am asking for your assistance to remove these fraudulent items in my credit file : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ; XXXX XXXX XXXX  XXXX XXXX, TX XXXX ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$540.00} ; XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX Balance XXXX {$950.00}.
Product: Vehicle loan or lease

In XX/XX/XXXX, I took out an auto loan to purchase a car with Carvana. ( Attached is screenshot of agreement. ). The car is a XXXX XXXX XXXX. Within a month of having the car, it had to be brought to the mechanic ( XXXX XXXX XXXX ) to get a new axle, brakes and rotors. 
Then, at end of XX/XX/XXXX, the car broke down completely because of a failure of its transmission control module. I was told by XXXX dealer that that part was on a 3 year back order. The car sat, completely undrivable, for almost 3 months. I decided to call a different XXXX dealer ( XXXX XXXX XXXX in XXXX, CT ) and after much communication between the dealership and XXXX headquarters, the part was replaced at no charge. 
I recently checked on XXXX XXXX XXXX website to see the actual value of the car. They value it at {$2700.00}. Carvana charged me 6 times as much! Its unfair for them to have charged this much for this car when the XXXX XXXX XXXX value is just under {$3000.00}, and I have already had several things fixed on the car since I have had it! 
At this point, my car payments, thus far, have already equaled the XXXX XXXX XXXX value and I feel this car loan should be closed ( as in paid in full )! *There are no add-ons to the car that are worth all that!
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

This is actually regarding an inquiry on my credit report. I never applied for credit with this company. There appears to be an inquiry from Global Lending service on XX/XX/24. I actually mailed a letter and got no response. I attached my affidavit and im requesting a removal of inquiry.
Product: Credit card or prepaid card

On XX/XX/XXXX I requested to pay the annual fee in order to access my credit service with Grain. On XX/XX/XXXX XXXX XXXX processed my request. On the same day of XXXX request, I received an official email from Grain stating that Your annual fee payment of {$80.00} from your has been initiated on XX/XX/XXXX. On XX/XX/XXXX my annual fee was processed and I gained access to the credit services on my account. On XX/XX/XXXX I received an email indicating my account would be frozen because they needed to verify my account, therefore I contacted support with concern since I just paid an annual fee to gain access to my account. XXXX restored my access. On XX/XX/XXXX I was notified of an incorrectly charged annual fee of {$80.00} and a refund of the incorrect charge. On XX/XX/XXXX I again noticed I was unable to access the line of credit on my account. Between XXXX, I reached out to customer support on multiple occasions. During this exchange, XXXX informed me that he could not see the annual fee on my account. After providing him proof of payment ( bank statement, official Grain email, and email exchange with XXXX confirming the fee was processed ), XXXX insisted that if I paid the fee then it was refunded. I told him the only fee I was refunded was according to an official Grain email an " incorrectly charged annual fee. '' Since then XXXX not recognized this fee was refunded only because it was " incorrectly charged. '' He insists I should pay a full {$100.00} ( which included the original {$80.00} fee and an additional {$20.00} for a credit increase I was granted ) because he can not find a record of my annual fee payment and he has not accepted my 3 other forms of proof of payment. Until I pay this I have not had access to my line of credit. Therefore, I offered to pay the {$100.00}, notifying him that I would have to dispute the original annual fee charged on XX/XX/XXXX. Since then, XXXX has not taken any action on my account and he has been ignoring my last 4 emails, refusing to help me solve my problem or transfer me to a supervisor. Upon checking their reviews, this company has a well established pattern of ignoring the needs of their customers for even months on end. I am no lawyer, but I feel that an attempt to take someone's fee for an annual service, and then to suspend those services is an act of fraud.
Product: Credit reporting or other personal consumer reports

I took a personal loan from Avant C/o XXXX XXXX on XX/XX/XXXX for {$5000.00} USD. On XX/XX/XXXX the loan was paid in full I made pay off arrangement with Avant in mid XX/XX/XXXX. On XX/XX/XXXX loan was paid in full as agreed, yet Avant reported credit bureaus, XXXX, XXXX and experian on XX/XX/XXXX as a balance past due of {$0.00} USD. 
This is an act of bad faith and slanderous when they had agreed to be paid of on the date scheduled. Notwithstanding the agreement for pay off on mid XX/XX/XXXX for payment on the XXXX of XXXX and after receiving payment as scheduled on the scheduled date they, file a past due balance on my credit report
Product: Checking or savings account

35 years ago I opened an account @ Bank of America, it was a no-fee account, with no minimums, no direct deposits requirements, a totally free checking & savings account as long as I didn't overdraft, which I haven't. In today 's mail, I get a letter from them telling me if I don't meet certain criteria that they will charge me {$12.00} per month. I signed a contract/agreement with them 35 years ago, how can they change the terms in a blink of an eye and start charging me?
Product: Debt collection

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 XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  : # XXXX  XXXX, XXXX XXXX  : # XXXX XXXX, has violated my rights. 

I looked at my XXXX credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. 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 supposed 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.
Product: Payday loan, title loan, or personal loan

I received a payday loan in the spring of XXXX in the late summer between XXXX and XXXX I was given the option to pay a final amount to pay off my loan in a lump sum. As I did so and the amount came out of my account I believed that I had paid off XXXX payday loan. However, in the following months after security finance continued to take out the normal payment amount without my knowledge. This year in XXXX I noticed my account had been overdrawn from a charge called XXXX  XXXX never noticing that was indeed check into cash. I went into check into cash and told them of the issue they proceeded to tell me the employee that took my lump sum payment no longer worked there and that I still owed money to the company. They have harassed me calling me every morning about payment. Even though Ive continued to give them money just to no longer deal with this and get it over with. I dont see how they can be allowed to do these things. The plan I set up for shouldnt be still in affect a whole year later. The loan shouldve been paid off with my lump sum. Theyve been robbing me of XXXX $ Each month for the last 6 months.
Product: Credit card or prepaid card

I received my card from capital one bank XX/XX/2021. I did not activate my card. Today XXXX I received a bill from them reading my card was charged {$75.00} on XXXX. I have still not activated my card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian multiple times in the last 2 years and they refuse to report my chapter 7 bankruptcy accurately. I have provided the discharge paperwork and still even as of this morning. They claim their " public record vendor '' has to provide the information and has not. I was also told they ca n't take a copy of the discharge from me either. This is ridiculous and is inhibiting my ability to apply for apartments, job screening etc. due to the low score as a result from inaccurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom this may concern, I am writing to dispute the following inquiries on my credit report. Each of the accounts and transactions I dispute were opened and made by the thief, not by me. I never authorized, used, or benefited from these accounts or transactions in anyway. 

( XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX XXXX. XX/XX/XXXX ) ( XXXX BANK. XX/XX/XXXX ) ( XXXX ) ( XXXX XXXX. XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX BANK ( XXXX BANK XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  )
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the listed accounts which I believe appearing to be inaccurate and incomplete be immediately investigated and corrected on my credit file XXXX XXXX XXXX Balance : {$2800.00} ; XXXX XXXX XXXX Balance : {$40000.00}.
Product: Credit reporting or other personal consumer reports

I have recently reviewed copies of my personal consumer credit reports and found questionable and/or inadequately verified data in the records maintained by your company. It appears that this information, previously removed, may have been re-added to my credit profile by your office ( s ) without the required 5-day notice, a violation of the reporting regulations you are obliged to follow.

Under the Fair Credit Reporting Act ( FCRA ), any information that has been deleted should not be reinserted into a consumer 's credit profile without directly notifying the affected consumer in writing within five business days of such reinsertion. I have not received any such notice or validation confirming the accuracy and completeness of the reinstated data. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX Employer - XXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX, XXXX XXXX, CA, XXXX Incorrect Name : - XXXX, XXXXXXXX XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX XXXX - XXXX XXXXXXXX XXXX XXXX  - XXXX XXXX XXXX XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Checking or savings account

My password did not work when I tried to access my checking account online. When I called the bank they gave me a run around and told me I need to visit the bank " in person '' and unless I did that they were not going to unlock my account. When I explained to them that this was not possible due to recent XXXX  XXXX they told me, in essence that wasn't their problem. Last XXXX when I was in the hospital getting XXXX XXXX XXXX XXXX ( I am XXXX ) they did the same thing and would not help me ( even though I was calling from the hospital ) until I filed a regulatory complaint. The resolution at that time was that they put me in touch with a bank employee who solved my problem ( XXXX XXXX - Customer Response Analyst ). At that time he wrote " If you have any additional concerns, please contact me directly at XXXX ''. When I called him this time ( before filing this complaint ) he never called me back. I know he still works there because his voice and name are still on his outgoing message. As an FYI I have had the same account for at least 30 years, it has about {$50000.00} in it and when I called them I answered all their verification questions correctly ( even though they deny this ). I gave them my name, my ss #, the account number, the last transaction, when and where the account was opened, my direct deposit that comes in every two weeks. Also. this time when I called the bank I was calling from the same phone number that has been on my account for 30+ years ( XXXX ) except for about four weeks when I was using an XXXX from the hospital last XXXX ( that phone number was different ). Also, I have called them 4 times to put the XXXX number back on my account and it appears they still have not done that.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the XXXX reporting companies asking them to investigate the XXXX that's reporting. ACCORDING TO 15 USC 1681i INVESTIGATION HAS TO BE CONDUCTED WITHIN 30 DAYS WITH THE COMPLETED RESULTS. THEY HAVE YET TO RECORD THE DISPUTED INFORMATION AS WELL, THATS ANOTHER FORM OF VIOLATION.
Product: Credit reporting

I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX Instead of XXXX. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied a credit card through XXXX and was denied due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous account with the XXXX which is paid up. It is frustrating dealing with and attempting to dispute and clarify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent by mail and not through the internet as I then have a copy for reference, particularly if I do not have the luxury of a printer or if there is an issue with obtaining the copy. Once the information is lost, it is lost. Also, have tried to find the credit reporting agency that submits the information to the bureaus in order to expedite and correct these issues with no luck. Please advise. Thank you for your understanding and assistance in this matter.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT. THE LIST OF ACCOUNTS BELOW HAVE VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHT TO PRIVACY AND CONFIDENTIALITY UNDER 15 U.SC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SECTION XXXX A : STATES THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 A : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 U.S.C 1681c SECTION 604 ( 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 IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting or other personal consumer reports

A credit inquiry from XXXX dated XX/XX/year>, is currently reporting on the credit report, did not authorize inquiry, and could be fraudulentXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion, XXXX, and XXXX  are currently violating my consumer rights by improperly utilizing confidential information contained in my credit file without my expressed written consent. Furthermore they are reporting inaccurate information thereby defaming my reputation, their actions continue to negatively impact my ability to engage in commerce. They continue to violate my privacy rights and are failing to assure the maximum possible confidentiality, accuracy, relevancy and proper utilization of my consumer information. I am aware that the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. I am also aware that consumers have rights to privacy and the invasion of privacy laws and statutes have been enacted to prohibit conversion and unauthorized use of consumers information from being utilized improperly or made public, without their explicit consent pursuant to 15 USC 1681 ( a ) ( 4 ), and according to FCRA unverifiable and unauthorized account must be removed.