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

This evening, I discovered inaccurate accounts on my credit report, and I am absolutely baffled as to how this could have happened. When I checked my credit report like I normally do, I was stunned to see discrepancies that had no explanation. I even tried refreshing my browser, hoping it was a glitch, but the inaccuracies remained. This experience has left me deeply concerned, and I urgently request that the documents Ive submitted be reviewed thoroughly to ensure I never have to deal with this kind of stress again.
Product: Credit card

I have a XXXX credit card, formerly with XXXX XXXX XXXX which switched to Key Bank. On the switch, I was unable to log on to the Key Bank web site. There was suppose to be a smooth transition. On, Tuesday XXXX XXXX 2016, I was placed on telephone hold for one half hour until I gave up. Today, XXXX XXXX 2016, I was placed on hold for 1 hour and 20 minutes until I reached a rep, who switched me to another rep line, which gave me a recorded message that there would be at least another hour hold time. This is totally unexceptionable.
Product: Debt collection

NATLCRSYS XXXX Re : Cease and Desist Notification Dear National Credit Systems This letter is to formally notify you to immediately cease and desist from unlawful activity, e.g., harassment, defamation, copyright infringement, etc. Your actions, as outlined below, are in violation of 15 U.S. Code 1692c - Communication in connection with debt collection, and failure to comply may result in legal action. 

On XX/XX/year> this was reported on my consumer report. 


Dispute of the Debt : I dispute the validity of the alleged debt. Under the FDCPA, you are required to provide written verification of the debt, including the original creditor, the amount owed, and any supporting documentation. I request that you provide this documentation within 30 days of receiving this letter. 

Cease All Communication : In accordance with the FDCPA, I request that you cease all communication with me regarding this debt. You are prohibited from contacting me, my family, or my employer by phone, mail, or any other means. Any further communication must be in writing and only to provide the requested validation of the debt or to notify me of specific legal actions you intend to take. 

Please verify this and remove inaccurate from my consumer report immediately. 


You are hereby ordered to stop these activities immediately. Failure to do so within 30 days will result in legal consequences, which may include seeking damages, an injunction, and any other remedies available under the law.

This letter serves as a formal demand to cease these actions immediately. It does not waive any rights or legal remedies that may be pursued in the future, all of which are expressly reserved.
Product: Debt collection

I never received any information regarding this debt. The collector said they mailed something to me, I never received it. Once I received the bill all it said was the amount, and not what services or any information regarding debt. I told them it was identity theft. They automatically wanted to talk to my attorney. They would n't take mail me the information as a response. I am not going to just give out information. My identity was stolen. I mailed them a letter stating my identity theft, and asking for all records retaining to my debt. They will not comply and keep contacting me.
Product: Debt collection

Online information services inc put a collection on my credit report from a utility company. I have not ever had a account with XXXX XXXX XXXX XXXX in over 15 years and I believe this is an error. Been trying to reach them but they never answer the phone
Product: Vehicle loan or lease

On XX/XX/XXXX, I came to XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX with my family to purchase a Honda XXXX XXXX. I spoke with XXXX initially who had passed me to XXXX. XXXX showed me the XXXX   model and XXXX  model. After starting our discussion on pricing, XXXX was a bit arrogant and asked why I'm interested in knowing if there was a discount. I told him I was interested in purchasing an XXXX   that day. Thereafter, he asked what price I had in mind. I told XXXX that I was interested in a " out the door price '' ( taxes, fees, etc ) for the dark grey XXXX XXXX for {$30000.00}. He went back to discuss the details with his manager and came back with a price of {$30000.00}. I told him {$30000.00} and that was final. My wife and daughter were present when the final number was reached and signed. He wrote the price on a piece of paper that he had me sign. The deal was agreed to and XXXX started the paper process taking pictures of my license and asking for my insurance. He collected {$5000.00} downpayment using my credit card. I waited with my daughter for over an hour+ while XXXX was working with XXXX to prepare the finance documentation. 

I met XXXX and he prepared the paperwork. He asked me to verify that my personal information was correct on the documentation. There was a significant amount of documentation and he did not go over the pricing details. He offered the extended warranty that I agreed to for an additional {$1500.00}. I didn't confirm that the price was different than what I negotiated expecting that it was correct. In addition, I was in a hurry to leave the office for an appointment that day. I mentioned to XXXX that I had purchased an XXXX in XXXX as well from the same office and he was able to provide the trunk lining and Nitro in the price. 

On Saturday, XX/XX/XXXX I received a text from XXXX XXXX requesting that I setup a finance account for the loan I took out with Honda. Upon completing the account setup process, I realized that the balance of the loan was {$32000.00}. I immediately noticed this and questioned the documentation that I signed with XXXX. 
I called XXXX that evening and explained the situation to him. He was going to check with XXXX and the documentation and get back to me on Monday. He mentioned that there wouldn't have been a deal at the price that was agreed. I told him that's not the point. If there was no deal, then there was no deal. 

I called back on Monday and asked to speak to the manager since XXXX nor XXXX called me back. I spoke to a manager XXXX who was arrogant and told me that I shouldve read the contract. That he reads he contracts but I told him that was not the point. I mentioned that his team had made me wait with my daughter for over a hour and a half for paperwork to be completed. I complained also about the battery on the vehicle that apparently failed to hold a charge. He told me to tow the vehicle in and when I asked if I could get the number for Honda America, he hung up the phone. Since then, no one from the dealership has called me.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX is obligated by the FCRA to report accurate accounting. Consumer has advised and requested in writing that EQUIFAX remove COLLECTIONS from credit report. Collections can not be on record unless there has been a summary judgement. Said company had 14 days according to LAW to remove such items.

FTC fraud report was filed on behalf of consumer. Consumer is now requesting EQUIFAX to provide the documentation used to determine that such collection is valid, when collection agent has NOT responded my demands and They HAVE NO LEGAL STANDING Consumer is NOT asking for an e-Oscar Report. If EQUIFAX does not have documentation to show THIS IS VALID, they must remove ASAP. Said company is liable under SEC to follow certain rules. EQUIFAX commision file number XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. NY XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, New York XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXXXXXX XXXX XXXX, NY XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX, Georgia XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX North Carolina XXXX. I will be filing form 211 Treasury OMB forms to audit consumer account.

EQUIFAX is securitizing consumer data yet refuses to provide consumer a copy of his CONSUMER FILE NOT CONSUMER REPORT.
Product: Vehicle loan or lease

Global Lending applied for loan was approved but to my knowledge I haven't obtained any car with this loan company and I was notified that I had an account but when I tried to retrieve information about my account i get no information I lost my wallet about a month ago and I canceled my credit cards but my ID was also lost. I noticed that my accounts were being hacked or canceled once I pay amounts I these incidents to credit union as well as company I purchased items so I decided to get A VPN when I checked into my credit union my VPN notified me that my USB no longer was compatible to my XXXX  to my knowledge I don't have A USB and wasn't plugging it into my computer I got this message numerous times then I heard A noise upstairs in another apartment moving around i hear this when I am on my computer
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report XX/XX/XXXX which I have file three disputes and I disputed 18 inquires that was not authorized by me for credit due to ID theft .Which I provided credit bureau proof. I have not heard back from bureau yet. 

Inquiry Date 1XXXX XXXX XXXX XX/XX/XXXX 2.XXXX XXXX XXXX XX/XX/XXXX 3XXXX XXXX XXXX XX/XX/XXXX 4 XXXX XXXX XX/XX/XXXX 5.XXXX  XXXX XXXX XX/XX/XXXX 6.XXXX XXXX XXXXXXXX XX/XX/XXXX 7.XXXX XXXX XXXX XX/XX/XXXX 8XXXX XXXX   XXXX XX/XX/XXXX 9 ; XXXX XXXX XX/XX/XXXX 10.XXXX XXXX XX/XX/XXXX 11.XXXX XXXX XX/XX/XXXX 12.XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XX/XX/XXXX 14 XXXX XX/XX/XXXX 15 XXXX XXXX XXXX XX/XX/XXXX 16.XXXX/XXXX XX/XX/XXXX 17. XXXX XXXX XXXX XX/XX/XXXX 18. XXXX XXXX XX/XX/XXXX
Product: Debt collection

PORTFOLIO RECOV ASSOC Appears on my credit report as a COLLECTIONS AGENCY for two XXXX XXXX accounts with balances of {$2300.00} and {$380.00}, respectively. 

AT NO POINT DID I CONTRACT WITH THEM. at no point did I give any consent to XXXX XXXX to disclose not PORTFOLIO RECOV ASSOC to request my information. Protected under privacy act of XXXX and 15 usc 6802 which requires both to have received written, verbal and/or non verbal consent from my part. no such authorization was given. 

This is not only a VIOLATION of my Privacy which has led to misrepresentation of my credit worthiness and thus caused me damages, such as inability to obtain credit, vehicles, or apply for rental agreements. 

15 U.S. Code 1681. Civil liability for willful noncompliance up to {$1000.00} or greater for damages to me, and my credit report 15 U.S. Code 1681s ( a ) ( 2 ) ( A ) as enforced by Federal Trade Commission, ... .up to $ XXXX violation. 

in collection for/since ( XXXX ) XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. 
for XXXX account and collection XXXX for XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Hello, I need assistance with a matter concerning a wire transfer and a XXXX  refund. A few weeks ago, I initiated a wire transfer of {$9000.00} to XXXX XXXX for my scheduled XXXX  on XX/XX/XXXX. The total balance due was {$9000.00} upfront and an additional {$6800.00} on the day of XXXX. 

Due to an emergency, the person who was supposed to watch my son during the XXXX  week canceled last minute. I communicated this to XXXX XXXXXXXX XXXX  coordinator, who informed me that my XXXX  would have to be canceled due to the last-minute nature of the request. According to our agreement, the only non-refundable fee was the deposit, which I paid via XXXX. I will attach the agreement and the XXXX transaction for the deposit as well. She also assured me that a refund would be processed. 

This communication occurred a month ago, and I have yet to receive the refund. I have attached all the relevant picture evidence for your reference. 

When I contacted Navy Federal for help with an issue concerning the {$9000.00} wire transfer for a XXXX  that was later canceled, I was informed that wire transfers do not fall under the same dispute resolution processes as regular transactions. This is particularly frustrating because I was initially assured that I would be covered in such situations. 

Please assist me in resolving this issue as soon as possible.
Product: Credit reporting or other personal consumer reports

This company did an automatic payment that failed XXXX. I seen the declined payment XXXX and paid the balance in full. Then on XXXX i get XXXX  day late notifications from credit bureaus and it dropped my score over XXXX points. This company don't have a contact number only email address
Product: Money transfer, virtual currency, or money service

Got cashier check from XXXX XXXX XXXX XXXX for XXXX, made deposit of the check in my Wells Fargo checking account and Wells Fargo put a ten day hold on it. 
Two employees in bank said there will be no hold on check. Next day got email from Wells Fargo that they have ten day hold on the check. On the check it says the check is same as cash.
Product: Credit reporting or other personal consumer reports

I noticed there are multiple accounts on my report that I dont recognize XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX I have fully investigated my rights in this matter. Under the doctrine of XXXX XXXX XXXX XXXX v XXXX ( Mo ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. I have copies of the certified letters and dates prepared to bring to court on XX/XX/XXXX. Also, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence. 

Under the Fair Credit Reporting Act, if they can not verify the debt within 30 days, then it must be removed. You lied to me claim to have " verified '' the debt, but this is in fact not true under law.
Product: Debt collection

Account number : XXXX An account was placed under my name erroneously. Since then, PORTFOLIO RECOVERY ASSOCIATES have damaged my name, and my credit. PORTFOLIO RECOVERY ASSOCIATES has entered derogatory information into my credit file. I'm requesting the account be deleted from PORTFOLIO RECOVERY ASSOCIATES company records and the three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) the account your company placed is a false one. I did not order or received a product\services I am writing to dispute a fraudulent charge on my account. I did not make or authorize this charge. I am requesting that the charge be removed, that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R. 226.13. See also 12 C.F.R. 226.12 ( b ). Consumers Desired Resolution : I'm requesting the account be deleted from PORTFOLIO RECOVERY ASSOCIATES company records and the three major credit bureaus ( XXXX, XXXX XXXX and XXXX ) ASAP In conformance to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting you to provide me with a validation of the debt that you talked of earlier. Please note, this is not a refusal to pay, rather a statement that your claim is disputed and validation is demanded. ( 15 USC 1692g Sec. 809 ( b ) )
Product: Mortgage

I responded to email offer to refi my government-backed mortgage from Bank of the West as a current bank customer.Loan officer collected my personal info, tax papers, got my credit checked and offered me 2.5 % rate for 15 years mortgage.On XXXX he contacted me and confirmed the rate and told me that also I can get credit on my closing cost account because of current mortgage rate drop. He also told me that I have to pay upfront sum of {$490.00} appraisal fee. I told him that if you sure that I can get loan, just add this amount to closing cost. He said that customers sometimes disagree with their loan terms and thats why he wants to collect money now, even if its a government-backed loan. He made a pressure on me and asked to provide credit card information or loan application will be cancelled. 
I had my credit score over XXXX and salary over XXXX per year, and it was checked already. 
Yesterday I got informed that now he will be able to offer me only 30 years loan with 3.5 % interest rate. Of course, this offer was unacceptable. He refuses to pay my {$490.00} closing cost back. This charge was made under pressure and can be disputed. Here is another unethical example how mortgage broker trying to get advantage of customer during pandemic time. 
Information about loan officer : XXXX XXXX NMLS XXXX Phone number XXXX XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I sent XXXX XXXX and Transunion a a letter asking them to please investigate my personal information showing on my credit report that is incorrect. I attached a copy of my Driver License Social Security card proof of my current employment ( business card ). I asked them to delete or remove these disputed items and send me notifications that the items have been deleted off my credit report and to forward me a copy of my current report after the corrections. As of today XX/XX/year> they have failed to correct my personal information showing on my credit report and I have had to pay third party services to obtain my credit report
Product: Debt collection

On XX/XX/XXXX I was contacted by XXXX XXXX of The Counsel Firm in XXXX Ca. He informed me that I had an outstanding balance of XXXX with XXXX XXXX XXXX threw GE Capital and they now own the claim and account. He verified my XXXX and SS #. I was convinced I had paid it, but he was so convincing that we negotiated a settlement of XXXX and he sent me paperwork to make payments. I have not signed the paperwork, because I was still trying to figure out if this was a legitimate debt. No one can tell me if this is legitimate and now they have taken XXXX out of my checking account. He said he did n't have to send me any additional paperwork except for the XXXX pages confirming my payment arrangement. If I owe it I 'll pay however the account is over XXXX years old and I would have sworn I paid it off in XX/XX/XXXX. Is this a legitimate Debt Collection company?!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and seen items on my credit report that were not accurate and I did not recognize. I sent a letter as recommended to the bureau explaining all the items that I wanted to dispute on XX/XX/2021. I sent the letter to the credit bureau explaining which items that should be investigated. Based on the Federal Credit Reporting Act it says that the bureau should have completed their investigation or responded to me within 30 days and notify me of the results. Its been over 30 days and I recently checked my credit report again and it is still showing the same items I disputed. I also wrote a letter demanding them to respond because it is way beyond the 30 days and they should have responded already. At this point, I do not know what else to do because my disputes have been ignored and no investigation has taken place.
Product: Credit reporting or other personal consumer reports

Complaint XXXX The inquiries below were made without my permission or knowledge, and I believe they are negatively impacting my credit score. 

This is the list of the inquiries that I am disputing : Inquiry by XXXX XXXX on XX/XX/2023 - XXXX Inquiry by XXXX XXXX on XXXX XXXX- XXXX I have made XXXX attempts to contact the companies responsible for these inquiries, but they have been unresponsive and have not provided me with any information about why they made the inquiries or whether they have any legitimate reason for doing so. 

I have also tried to dispute these inquiries with the credit reporting agencies, but they have not been able to provide me with a satisfactory explanation for why these inquiries remain on my credit report. 

I believe that these inquiries are unjustified and have no legitimate reason for being on my credit report. They have caused me significant stress and financial hardship, as they have affected my ability to obtain credit and have lowered my credit score. 

I am therefore requesting that the CFPB investigate this matter and take action to remove these inquiries from my credit report. I believe that this action is necessary to protect my rights and ensure that my credit report accurately reflects my creditworthiness.
Product: Credit reporting or other personal consumer reports

UNAUTHORIZED CREDIT INQUIRY ON CREDIT REPORT REQUESTING IMMEDIATE REMOVAL OF THE FOLLOWING : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$650.00} XXXX XXXX XXXX XXXXXXXX Balance : {$350.00} XXXXXXXX XXXX XXXXXXXX Balance : {$350.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This XXXX 's account # XXXX is Paid-in-Full and Closed. However, XXXX   CRA and Experian CRA continue to incorrectly report as Open.