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

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

I contacted all three of the credit bureau, XXXX XXXX  and Experian. I ask that they provided me with all the accounts that had errors that I listed in the letter. I was requesting that they provided me with how each account was verified and that steps that we're taking to verify each account. I sent these letters out over 30 days ago and still have not received anything back. I don't feel liable for the debt that my credit report is saying that I owed and I am requesting answers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unauthorized Inquiries made on my credit report : XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

Please remove these inquiries. They do not belong to me. I did not authorize. Please check the attached document. Please also place an extended fraud alert on my credit report. As I see a few items I did not authorize on my most recent credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/year> To whom it may concern, On day XX/XX/year>, I looked at my report. I sent a letter to Equifax on day XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX, and here is my tracking number : XXXX On day XX/XX/year> they sent me their investigation and said these accounts are complete and accurate. 
I looked at my report and noticed everything is still the same and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, 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 ( il ) 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 1681eb they are supposed to ensure this b ) Accuracy of report 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.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( i ) the information is, in fact, inaccurate. 
Equifax really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA. On XX/XX/2021, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquires were added to my credit report as a result of attempted fraud.
Product: Credit reporting or other personal consumer reports

Not to long ago I was investigating my credit report come to find out that there were several items on there that are inaccurate. Under 15 U.S. code 1681 e ( b ) accuracy of the report whenever consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates.

15 U.S. code 1681i ( 5 ) treatment of the inaccurate or unverifiable information ( A ) in general if after any reinvestigating 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 the consumer file, or modify that item of the information as appropriate based on the results of the investigation, and promptly notify the furnisher of that information that the information has been modified or delete from the file of the consumer. 
Please remove the following items from my credit report immediately. 

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

In XXXX XXXX, Chase bank via bill pay forwarded the XXXX XXXX car payment to XXXX XXXX with the wrong address. Despite the wrong address, XXXX XXXX received the XXXX XXXX payment with the wrong address and endorsed it. Chase management approved the XXXX XXXX check that was mailed out with the wrong address. Chase employee put the wrong address on the check. I was never notified that the XXXX XXXX had a wrong address. In XXXX and XXXX XXXX, Chase failed to pay XXXX XXXX their XXXX car payments even though they refused the money from my bank account giving the appearance that the XXXX and XXXX payments were made. After 60 days of being delinquent, XXXX XXXX forwarded me a re-procession letter. After contacting Chase, the money was immediately placed back into my bank account and both car payments were made. Upon requesting electronic copies of cancelled bank checks, Chase informed me that their records were destroyed. This was a lie. I am requesting the front and back copies of the XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX electronic cancelled bank checks made out to XXXX XXXX. Chase bank and XXXX XXXX XXXX engaged in deceptive trade practices and fraud which adversely damaged my credit.
Product: Credit card

Signed up for Apple credit card XX/XX/XXXX via email from Apple/goldman sachs . 
Promotion was spend XXXX $ within 90 days upon approval and get XXXX $ back via XXXX XXXX ( Apple XXXX ). 
Have exceeded that spending threshold well within time. 
Have also contacted them several times via telephone and chat support. 
They wanted proof of this promotion and seemed like they had no idea what it was. 
One XXXX search will tell you all about it. 
I have been told several times there has been an inquiry opened and will be solved within ten days by several associates. 
Never did that come to fruition. 
This has been going on for a couple months. 
This shouldnt be an ordeal all for a XXXX $ bonus.
Product: Vehicle loan or lease

I was sold a lemon that XXXX could not and would not fix. 
1- severe battery drain from computer ( causes failure to start if sitting ) 2- fuel tank pressure problems ( no gas cap and solenoid, etc. ) I offered to the scum that sold me to give it back and he openly refused af thx giving disaster outside of crossville trying to change a tire. I know how to change a tire.I had a spare. what I did not have was the custom tools for the custom nuts that were installed wo my permission when I was sold the car. I did ot ask for these modifications and they cost me over 200 extra to replace the tire. I was not compensated. XXXX in XXXX XXXX outside XXXX can confirm multiple visits for the lemon issues. They could not fix it. 

they took the car back but when I confronted XXXX and carmax about this they remain silent. My XXXX deposit has not been returned to me and they have been served multiple times. continue to want to collect a debt not owed. was forced into buying gap because they sell underwater cars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft, my information was compromised and somehow fraudulent unauthorized inquires and accounts were included on my credit report. as a result after legal counsel I contacted this company both by phone and a formal letter, providing all the necessary documentation that they needed to make informed decision on this matter and remove these fraudulent accounts and inquiries. 

But to my surprise they decided to ignore me and are still reporting the same fraudulent account till date. Below are the fraudulent accounts and inquiries in question : Fraudulent inquiries XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX XXXX/XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX XXXX   Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX/XXXX   XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX, Date of inquiry : XX/XX/XXXX Fraudulent Account XXXX, Account Number : XXXX XXXX  XXXX, Account Number : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Account Number : XXXX XXXX  / XXXX, Account Number : XXXX I am attaching the formal request I sent them and identity theft report from FTC too for your consideration.
Product: Credit card or prepaid card

XXXX Credit card account with Capital One XXXX was discharged by them and closed after I suffered critical XXXX issues required XXXX  for XXXX and unemployment in XXXX. They sent me letter in 2018 as confirmed was closed and wrote off. No balance owed. 

XXXX XXXX XXXX is now incorrectly reporting on my XXXX report this charged off Capital One account as this account being " Open '' and balance owed of {$330.00}. 

Capital One XXXX Account # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several inquiries on my credit report that are not authorized. I noticed it because I recently applied for a credit card and I wasn't approved so it prompt me to check my credit report. These inquiries listed are not authorized and need to be deleted from my credit report. 
Company Inquiries : 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, credit repair services, or other personal consumer reports

As far as I know in 2018 my x of 18 years used my credit info to apply for a student loan from Dept of Ed/XXXX XXXX loans 1, for XXXX and 2, for XXXX, which I never approved or signed are on my credit report. I am on a fixed income due to XXXX and have no way to pay this loan, So I never would have agreed to it. 
The dept of Ed/XXXX sent me a copy and there is no signiture on it, so I'm assuming it was done ona computer ( Not Mine ). I have disputed these loan several times with the credit bureau ( s ) the results come back fast and loans are confirmed. I did Not apply or give my approval to apply for these loans. And dept of ed/XXXX won't remove these from my credit reports.
Product: Debt collection

This is one of 3 medical bills from XXXX of 2014, I had insurance the hospital sold my information to the collection agency I am asking 5e remove them from all three of the credit bureaus. The have sent collection letters, called, and threatened me with financial hardships if I do not pay.I am a XXXX XXXX VETERAN, WITH XXXX AND XXXX XXXX
Product: Checking or savings account

Wells forgo allowed accounts to be open in my name i had 9 bank accounts opened in my name i would like bank statements for all accounts in my name at the time I became I victim of identity theft because of this
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect items were found in my reports. The TransUnion, XXXX, and XXXX Credit Bureau have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reported on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 noticed unauthorized inquires on my report. According to the FCRA, legally these unverified and unauthorized items must be removed immediately.
Product: Debt collection

Despite my multiple efforts to address the presence of fraudulent, inaccurate, and misleading items on my consumer report, the issue remains unresolved. The inclusion of these items has had a profound impact on my life, causing immense XXXX and XXXX. It is crucial to reiterate that I never authorized any of this information to be associated with my name, as I have fallen victim to identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to XXXX, XXXX  and TransUnion on XX/XX/2020 and XX/XX/2020 about inaccurate and unverifiable items on my credit report. It has been almost 4 months and I have not received a response from any bureau yet. I feel like my dispute letters are being ignored and that my voice does not matter and that I am being taken advantage of. In section 611 ( a ), it plainly says that a failure to investigate these items within 30 days gives reason to immediately remove these items from my credit report. Since it has been almost 4 months, these items should be deleted immediately. I demand these accounts be removed or I will file for litigation due to the stress this is causing me. I am trying to apply for a mortgage and this is preventing me from doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

My information was among the data hacked from Equifax. Equifax not only failed to immediately report this security breach, they waited until after selling stock to do so. A security breach is an unfortunate risk we all take ; improperly responding to and reporting the leak is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

An unauthorized purchase was recorded on XX/XX/2023 at XXXX. The purchase was for a matte black XXXX XXXX, priced at {$820.00}. I am disputing this transaction because I do not have the credit or the means to buy such an expensive device. My credit score does not qualify me to afford or purchase an XXXX of this caliber. I wouldn't even be able to manage the monthly payments, considering the high cost of the phone and the phone plan. I believe this is either a glitch or an error in the system. In the past, I have attempted to purchase much cheaper phones but failed to meet the eligibility criteria. It is impossible for me to qualify and possess a phone like this according to my credit history. I request that this error be removed from my credit report as it has severely impacted my credit. ''
Product: Checking or savings account

Deposited a XXXX XXXX XXXX XXXX for Rental Assistance I applied for under the state of New Mexico XXXX and Chase JpMorgan who I bank with collected funds is not wanting to release funds, restricted all my accounts. Provided bank documentation of what the check is for. Denied all my documents they are needing a verified number to be able to get in contact with the department. Provided multiple phone numbers from the department for them to get in contact with there is a long wait and they state they can not reach anyone. Notified me that I will not be able to access funds. I need my rental assistance funds to pay my rent Im about to get evicted. Not far and not understanding why they are holding funds when its not a fraudulent check
Product: Money transfer, virtual currency, or money service

I've started two XXXX transfers from my account on Coinbase - XXXX and XXXX on XX/XX/XXXX and XX/XX/XXXX, respectively. Got replies that the transfers are supposed to clear on XX/XX/XXXX and XX/XX/XXXX and both are still missing. The funds are gone from my Coinbase account and have not appeared on my bank account, which leads me to believe that the transfers were never done at all. I have received only generic replies from their support and it looks like nobody is actually dealing with the issue.
Product: Debt collection

I have disputed this account several times previously. I have no idea when it was opened how long ago, the address used, phone number used etc. I was severed with a summons last week to appear in court over this account that I have no knowledge of. I know for a fact I have not ever opened an account with them. You have denied my disputes but cant tell me how you verified the info is correct but thats all it says how did you verify what did you verify no one contacted me not once to verify this account.
Product: Debt collection

fraud accounts not mine and needs to be deleted as soon as possible. 

XXXX XXXX # XXXX has violated my rights. 
XXXX XXXX # 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 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items and update them immediately in my 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Healthcare Collections has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Mortgage

I paid an extra payment of {$10000.00} on ONE check noted to principal ONLY. My payment was split up as partial principal and partial house payment - I received 2 email notifications which is what brought it to my attention.

I was told the amount of {$1300.00} was applied as a regular payment with interest when I called to questions the split notice even though my payment is on autopay and was just paid for this month on the first.

100 % of my {$10000.00} should have been applied to Principal.

Only {$8900.00} was applied to my principal. 

LOAN NUMBER XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I would like the {$1300.00} applied to the principal ONLY on the address listed as indicated on my check and payment stub supplied with the check. 

Thank you, XXXX XXXX XXXX
Product: Mortgage

I am a XXXX XXXX XXXX Veteran that received a {$410000.00} VA mortgage loan from Dovenmuehle in XX/XX/XXXX. Actually I have make my payments and ought {$380000.00} On XX/XX/XXXX the XXXX XXXX County gave me a 100 % Real Property Tax exemption for my property and on an annual basis I submitted the exemptions document to the mortgage company. 

This year I submitted the document on XX/XX/XXXX ( There is a letter dated XX/XX/XXXX from the company stating that they received it on that date ( XXXX XXXX ) and here is included ). 

On XX/XX/XXXX they sent me a letter stating that they ran an escrow analysis on XX/XX/XXXX, raised my monthly payment and stating they paid the Real Property Taxes to the XXXX XXXX County. I spoke with a supervisor that mentioned they received the documents and paid the taxes by mistake. That Dovenmuehle going to request a reimbursement to the XXXX XXXX County. 

Today I received another email threaten me that they will hold the payment they received on XX/XX/XXXX until I submit a payment that included the Real Property Taxes they paid in error. They threaten me to charge me late fees and possible damage my credit at the credit bureau. 

The mortgage company received the exemption documents on time before they did the escrow analysis. They received the document ( Tax exemption ) by XX/XX/XXXX and the Escrow analysis on XX/XX/XXXX. Back on XX/XX/XXXX I Have a similar issue and they collected my payment and maintained them well belong the PWC Real Property Tax notice. 

This is an scam to get my money and them claim the XXXX  and have the money for a long time like they did on XXXX ( CFPB Claim XXXX ). 

I need that the mortgage company fix the escrow and stop charging me ( Disable Veteran with XXXX XXXX ) for an error that one of their employee did. 

I want they fix my monthly payment to the correct amount immediately and stop harassing me. 

Please find here attach all necessary documents.
Product: Credit reporting or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX # XXXX I do not have a contract with XXXX XXXX  A New contract was never provided this is a vilolation under the fair credit reporting act.