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

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission XXXX on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card

I was alerted on XX/XX/XXXX that there was a hard inquiry done against my credit. It was for TD Bank/target credit card. I never applied for this card so definitely suspected fraud. I put a freeze on my credit and s fraud alert. I called the company and they asked me if my email was outlook, I said no, they asked if the last 4 digits of my phone number was XXXX. I said no and they read off some numbers from a drivers license and I said no that wasn't mine. They said that they would not put the application through and I asked if I could have the number and email they used and they said no, obviously someone has my social security number and I want them investigated. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no idea or have details on these hard inquiries. They are not mine. They are fraudulent. I can not provide unknown information. I have tried to despite with all three credit bureaus and was told they will be removed yet they are all appearing on my credit report. I never gave consent to open these accounts. These were opened without my knowledge and without my consent. I sent out letters to all credit bureaus and deputes. I was told it will get fixed and it has not been fixed. I reported these accounts and nothing is being done. I have called and followed up and I am always told the same information yet nothing gets done. The hard inquiries remain in the credit report.
Product: Vehicle loan or lease

To whom it may concern, I moved to California from XXXX due to a job relocation on XX/XX/XXXX. Coming from a different city and originally located in the XXXX XXXX, I carried with me only my personal belongings. Therefore, once I arrived to XXXX XXXX, XX/XX/XXXXdue to the transportation being mainly here with a personal vehicle I prioritized this task first. I went to many dealerships and just when I was about to give up I went to XXXX XXXX. There on the evening of XX/XX/XXXX ( I remember because it was my Mothers Birthday ) the sales man showed me the XXXX  XXXX. They told me that this was basically the car to have, that I would be able to drive in the carpool lane alone, that it has no emissions, seat warmers, keyless entry, navigation ( GPS ), bluetooth, leatherette seats, auto-brakes, blind-spot warning, etc ... But one of the most important things is that the car would hold its value and that they would give me a card with $ XXXX to be used on fuel for the next 3 years. I purchased the vehicle for $ XXXX ( If I recall correctly ) and I gave $ XXXX down payment. 

Fast forward to XX/XX/XXXX, after the pandemic hit I have to make the hard decision to leave from California ( due to the pandemic ) so I went in to XXXX  XXXX again since the fuel for this Car is only in California I can not take it with me ( its liquid hydrogen - fuelcell XXXX - so I was hoping that I could trade-it in for a car that uses gasoline. The sales man was about to trade it for a XXXX when his boss came to speak to me to give me the terrible news that they can not accept my car as a trade-in. I was like, what?! Why?! ... They said that the car lost so much value that they could only accept it if I gave $ XXXX cash. Which it is just unreal. I bought the car, certified pre-owned from XXXX which typically already it had lost the biggest amount of value but now they are telling me that a car that I bought less than a year ago and which I still owe $ XXXX on it its worth around $ XXXX - I bet you can feel how ripped off I feel by the company. Not only that, they are still selling this car for more than $ XXXX which is the worst part since I feel that not only me but they are fooling other people. 

Now I am extremely frustrated that such a big company with a strong reputable brand played me for a XX/XX/XXXX and now I owe a car that I can't re-sell and they wont trade-in for a car that I can use out of state. 

This is why I feel like my only hope is to file this complain through you with a huge hope that you can help me find a solution to this terrible mismanaged situation as a consumer I have been robed, this is just not acceptable and they are still doing this to other consumers. I have the car loan with them - Toyota Financial. 

I humbly ask if there is something you can do to help me and also help others avoid this scam.
Product: Student loan

I currently am the verge of defaulting on this private loan. I sent Navient XXXX and am willing to send another XXXX every month. The payment amount is XXXX per month and im 3 months behind. At this time i am unable to afford XXXX a month. A representative on XX/XX/XXXX took a financial statement from me and offered me a program that is for 15 mos at a interest rate of 2 percent of the loan and it only covers interest. The payment would be XXXX. I told her i am unable to afford the XXXX this time. I have a financial hardship what else can you offer me? She said nothing can be done. 

I need something else done with this loan. This loan is illegal it originated in my early XXXX. The interest rates are so high that its designed for me to never pau it off. 
The school XXXX that signed me up for this illegal loan had many lawsuits due to their bad business practices and has since gone out of business. I asked that this loan be forgiven. Ive been paying pure interest to this loan for 10 years and i now owe XXXX and i fear itll be XXXX by the time i reach retirement age. Again, since i do not meet any of your programs i ask for this loan to be forgiven.
Product: Money transfer, virtual currency, or money service

I sent money from my XXXX XXXX to chime and didnt think much of it or check cause I have done it thousands of times and it goes over instantly for a fee, any how I didnt mess with it after until till it was time to pay my rent and I only had XXXX cent left, so I broke down in tears honesty then when I came around I check the app it say cash app took my money after I sent it then.again I dont have XXXX XXXX and havent In years
Product: Credit reporting

Wrong Address reported : I do not nor have I ever resided at XXXX, NV XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I demand that moneylion complies with the Fair Credit Reporting Act and delete the referenced account from all of my consumer reports. Pursuant to section 623 of the act, it states that once a data furnisher receives a dispute from a consumer that specifies what they are disputing, explains the basis of the dispute and supply supporting documents, the data furnisher MUST either modify the item of information or delete it. I am demanding that it is deleted as it is inaccurate, incomplete and unverifiable. Please see attached exhibit ). Pursuant to 623 ( b ) ( 1 ) ( D ) and subparagraph ( E ) ( ii ) the data furnisher ( moneylion ) MUST remove the item of information from all consumer reports. If this does not get resolved promptly, I will seek legal action for FCRA violations.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against the credit bureau due to significant errors on my credit report that have caused serious harm, including the denial of an apartment application and a job opportunity. These errors are a direct result of the credit bureau 's negligence and failure to comply with the Fair Credit Reporting Act ( FCRA ). 

As a result, I am seeking {$10000.00} in damages for the financial and emotional harm caused by these violations. 

My credit report contains multiple inaccuracies, which I have disputed with the credit bureau on several occasions. Despite providing supporting documentation, the credit bureau has failed to correct these errors. 

In line with the CFPBs recent lawsuit against the credit bureau, my experience reflects their pattern of conducting sham investigations into consumer disputes. The credit bureau failed to properly investigate or resolve my complaints, violating their obligations under federal law. 

The credit bureau failed to reinvestigate my disputes within the FCRA-mandated timeframe. Additionally, deleted information has been improperly reinserted into my credit file without notice, further damaging my credit profile. 
My application for an apartment was denied based on my credit report, leaving me without secure housing. 

A potential employer rejected my application, as they relied on my inaccurate credit report during the hiring process. 
These denials caused emotional distress, financial instability, and damage to my reputation.
Product: Credit reporting or other personal consumer reports

Despite my attempts, these issues remain unresolved. Enclosed is my letter to the credit bureaus. Your firm dismissed my verification request as " frivolous '' or " irrelevant. '' This matter is important to me. If you ignore my certified mail request, I will report this to the Federal Trade Commission. Please provide evidence of the alleged item, such as a contract with my signature, or remove these items from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a bump into going over this and I am submitting this complaint OVER AND OVER AGAIN to remove the following fraudulent accounts in my file that are reporting on Transunion Credit Bureau. How many time should I told you that I am a victim of identity theft and I did not create the responsibility or the accounts? I have requested that the accounts be removed to correct my credit report. I have already reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and my Police Report which I filed on my local Police Department. But guess what? Nothing has changed! I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged accounts below showing on my credit report. I therefore request that you immediately remove these accounts from my credit report with your firm, or provide me with the exact source where you received such information. Pursuant offer section 605B ( a ) ( 1 ) ( 2 ) you are required to BLOCK or REMOVE any information in my file that resulted from an alleged identity theft, not later than 4 business days after the date of receipt PLEASEDELETE IMMEDIATELY! 

XXXX XXXX XXXX Date Opened XX/XX/2018 Balance $ XXXXXXXXLate/Closed Late Dates XXXX
Product: Debt collection

HELVEY & ASSOCIATES Contact XXXX XXXX XXXX XXXX XXXX, INXXXX ( XXXX ) XXXX I paid XXXX XXXX  directly in full. called Helvey & associates with paid account information the person I spoke to was upset I had Gas company and not them, said they would not remove it as showing in collections even with a {$0.00} balance. because I owed them. It is still showing as 1 account in collections with a {$0.00} balance. I have lost 2 places to stay because of it.
Product: Student loan

Back in XXXX I had called EdFinancial to inquire about an income driven repayment plan. On XX/XX/XXXX, I called and they told me my request was going to be processed within 26 days. I checked my account on XX/XX/23 and I saw that I was still in the standard repayment plan. My process was never processed. I submitted another request on XX/XX/23, and I am hoping to get this resolved before XX/XX/23 as that is when I have to start paying my loans back. I cant afford to pay $ XXXX for my loans. Additionally, approximately 2 weeks ago I called around XXXX and left my number so they can call me back. The wait time was 5 hours and I never got a call back!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on all three of my credit report, that I did not approve of. ( inquiries Below ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX 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

Transworld Systems Inc - Account # XXXX Open - XX/XX/year> Credit Limit - {$160.00} I submitted a dispute letter to XXXX XXXX requesting the removal of this item from my credit report, as I was unaware of any outstanding debt owed to XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3200.00}, {$4900.00}, {$6300.00}, {$7800.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance 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 ) I am writing to request the method of verification for  dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3200.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6300.00} -This is not my account. 

3. XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

4. XXXX XXXX XXXX XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

I tried submitting a request for a Legal Name Change with Experian, using their online portal at XXXX : XXXX as stated in the Instructions listed here XXXX XXXX XXXX Yet I tried three times already, and each time, I got an error message stating that it was unable to submit the documents.
Product: Vehicle loan or lease

I had a car unfairly repossessed by Wells Fargo around XXXX, they admitted in late XXXX  that the repossession was due to the bank not applying for the payments in time. I was sent a form to apply for financial compensation that I filled out and sent back but never received any response. The impact this has caused on me financially is still being felt due to the damage it caused to my credit. Ive just learned about the class action lawsuit against Wells Fargo in regards to this matter, Im trying to find out if I was listed in the lawsuit and or be added to the lawsuit for financial compensation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX was done by fraud and it still on my credit report and it needs to be removed it says its closed but it is still all there also i got a letter today from captial one that the hard inquiries to open credit cards is fraud so those inquires need to be take off XXXX and XXXX need to be removed also
Product: Credit reporting or other personal consumer reports

I have been waiting for the past month and a half for my consumer report from LEXIS NEXIS. There is information on my consumer report that I want to go over and dispute. I received a letter from LEXIS NEXIS after my online request, that they were unable to identify me. I am requesting my full consumer report from LEXIS NEXIS. I have reason to believe there is information on there from LEXIS NEXIS that is damaging my reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Account XXXX 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. My legal rights have been violated. In accordance with the Fair Credit Reporting Act, Account # 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. My legal rights have been violated on both of these accounts
Product: Debt collection

I have received numerous calls from a phone number XXXX when call back I can't reach anyone. I received 3 calls back to back today as if it was an emergency so I answered and it was someone collecting on a debt that I new about and did not ask me to verify any information other than my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received a copy of my credit report and it shows company XXXX account number XXXX. Per FDCPA I am aware that a charge off or collection account is a direct violation due to reporting a balance. The balance must be reported as {$0.00}. Currently I am being violated due to FDCPA because there is an open balance listed on my credit report in the amount of XXXX I have tried many times to get this verified with no such luck. Please review for deletion.
Product: Checking or savings account

On XX/XX/XXXX, I received an alert on my phone from my credit union ( Navy Federal ) that there was suspicious activity occurring on my checking account. I received a follow up phone call from a NFCU representative to review my account history. Upon further review, we determined that multiple unauthorized charges were posting from XXXX ranging in amounts from {$2.00} through {$390.00}. The bulk of the larger charges occurred within that week, which alerted NFCU. However, after reviewing my bank statements, I determined that there were multiple unauthorized charges to my account from XXXX over the last 3 months. The representative filed 2 fraud claims on my behalf, XXXX for {$410.00} and another for {$2500.00}. The representative sent me a Statement of Forgery to complete. 
XX/XX/XXXX I contacted XXXX to determine the source of the charges as there is no record of them in my purchase history. The XXXX representative confirmed that an excess of XXXX UNAUTHORIZED charges posted to my account that did not originate from my XXXX XXXX. They would not provide any information on where the charges came from. XXXX initiated a claim for a refund but ultimately denied it and did not provide a reason. XX/XX/XXXX I contacted Navy Federal and was told that both claims were denied and I had the option to appeal. I submitted the statement of forgery and bank statements for XXXX, XXXX, and XX/XX/XXXX highlighting all unauthorized charges from XXXX. I confirmed that I did not authorize or provide card information for anyone to complete a transaction with XXXX. I also provided my XXXX purchase history proving that the unauthorized transactions did not originate from my XXXX account. I received a notification from NFCU that a 3rd fraud claim was filed on my behalf in the amount of {$790.00}. On XX/XX/XXXX a 4th fraud claim was filed on my behalf in the amount of {$640.00}. Navy Federal provided provisional credits and then denied 2 of the claims, reversing the credits of {$410.00} and {$640.00} ( due to come out of my account on XX/XX/XXXX ). 
I now have a total of {$4400.00} in unauthorized charges from XXXX that I am seeking reimbursement for. I am not confident that XXXX or NFCU will cover the fraudulent charges as both institutions have passed the responsibility back and forth. I am caught in the middle with a large amount of money taken from my account. This has caused me great financial hardship as this is in the middle of holiday season. I appreciate any assistance with getting my funds reimbursed as the charges were indeed unauthorized.