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

XX/XX/XXXXXXXXXX/XX/XXXXXX/XX/XXXX notified me, that myXX/XX/XXXX Toyota XXXX had a FUEL PUMP SAFETY HAZARD. I contacted Toyota dealership and cooperate officers only to receive aggressive resistance with zero accountability. The XXXX clerks were not phased how I was terrified for my life, because the vehicle jerked and stalled in traffic constantly. Toyota, sold me a defected new vehicle, and outright insisted I trade the vehicle and overlook them selling me a new vehicle with a fuel pump that endangered my life. I filed a complaint with myXX/XX/XXXXXXXX case # XXXX and XX/XX/XXXXr for Dispute Settlement case # XXXX, due to Toyotas unscrupulous manufacturing practices, and relentless aggression in endangering my life. For example, for months to provide a safe fuel pump. The retaliation was abusive when attempting to make my usual on time monthly payments to Toyota financial. The online service was problematic, so when I attempted to make payments the representatives would display all sorts of shenanigans. For instance, be combative, hung up the phone, transfer me into a queue for extended periods. The supervisors call back was manipulated constantly. For example, I was told I would receive a supervisor call back in XXXX hours and I would not receive the supervisors call back, and when I called back the representative would inform me I had to wait another XXXX hours. So, this is the gross aggression Im receiving attempting to make my monthly on time payment with a supervisor. As a result of the retaliation, harassment, and excessive shenanigans from Toyota Financial Service representatives and supervisors I have XXXX unjust late payments on my XXXX, XXXX, and XXXX credit reports. 

Please note, prior to the XX/XX/XXXX Toyota XXXX finance I had a EXCELLENT rating with Toyota Financial, and after the sold me a vehicle that endangered my life and lives of other citizens, they have manipulated XXXX XXXX DAY late payments to all three credit bureau.
Product: Student loan

My previousl student loan servicer XXXX made a payment on my behalf to Mohela. Mohela has still not applied this payment to my account. I have called Mohela several times about this matter over the last year. I am incurring interest because they have not applied the payment to the account in the amount of {$2800.00}
Product: Checking or savings account

I signed up with First Tennessee in the fall of XX/XX/2017. As part of this, if I met the requirements I would receive a {$300.00} bonus using the promotional code XXXX : open an account with at least {$300.00} and have at least one direct deposit post to your account within 60 days of account opening. I met both but they did not honor it, now saying it was for only those targeted by their mailer which was not the case when I signed up.
Product: Debt collection

I was incarcerated for 8months when the account was opened. Idk who opened it but I know I did not open it or authorize it to be opened
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the Experian XX/XX/XXXX to remove these suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. 

Personal Information : XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX : XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED REGARDING FRAUD, INACCURATE, UNVERIFIABLE ACCOUNT WITH XXXX XXXX.
Product: Vehicle loan or lease

I had co-signed for an ex to purchase a vehicle from MCMC in XXXX XXXX, TX. We ended our relationship soon after. She let the vehicle go into repossession. The company failed to notify me of the repossession to at least give me the opportunity to assume the loan and they never contacted me with notice of collection or intent to report to the bureaus. I contacted the company some time ago and they said they would remove the account from my credit report if I were to dispute. I have disputed and they changed the status from " Involuntary Repossession '' to " Voluntary ''. I have contacted the company SEVERAL times in the past weeks and now can not get passed an account representative. I have left several voicemails with what I am told is a supervisor but I have never received a call back.
Product: Credit reporting or other personal consumer reports

TransUnion has failed to comply with my request to present some proof that I am the person liable for the items being disputed below. I have informed them, multiple times, through letters and calls, that I am a victim of Identity theft. However, I have never received any documentation to prove that their investigation is correct. FTC complaint is being attached to prove that I had made some necessary actions considering my rights. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1700.00} XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7200.00} XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$280.00} XXXX XXXX - Original Creditor : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$6200.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Kindly delete these inquiries. I am unaware of this, and the company acted without my approval.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2022 I noticed unrecognized credit hard inquiry. I tried to freeze with all 3 major bureaus. XXXX and XXXX worked fine. Experian could not verify my identity, fine I use their document upload page. It redirects to page not found when I try to submit under other reason. https : //www.experian.com/consumer/upload/ The website is noticeably worse than the others and appears nonfunctional. I will resort to mailing it in but wanted to complain in case they need to have a functioning document upload page for regulatory reasons
Product: Money transfer, virtual currency, or money service

I have been Scammed on Coinbase wallet and had an approximate XXXX dollars in ETH Cryptocurrency worth stolen from Coinbase wallet account. Please read the attachment.
Product: Credit reporting or other personal consumer reports

Creditor : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Why is there a balance being reported? 

I know this account contains inaccuracies that are significantly damaging to my credit score. Therefore, I request an immediate re-investigation of this item and deletion for your failure to do a proper investigation. Under 15 USC 1681n Civil Liability I can seek remedy which I intent to do so!

In accordance with the Fair Credit Reporting Act ( Public Law 91-506, Title VI, Section 611, Subsections A-D ), please provide the names and business addresses of each individual with whom you verified the account information. This will allow me to follow up as necessary. 

Additionally, once the re-investigation is complete, please send me an updated copy of my credit report.
Product: Credit card

Chase has issued a XXXX to me for debt that is not mine ; I have no known liabilities with Chase. I 'm assuming the debt regards a personal Visa credit card account once held by my deceased wife, that the company now insists was a joint account, though the source of the alleged liability was not described. A XXXX was also issued to her name ; later a XXXX request for her own taxpayer identification was sent. 

Under the assumption that the defaulted debt in question was, in fact my wife 's credit card, I researched what records I still have on hand back to the 1988 origination date and am convinced that Chase has made an error with regards to account ownership. I am attaching my letter to Chase along with a number of supporting documents that suggest the existence of joint liability in this regard stretches credulity to absurdity. 

Yet, I can operate only under assumptions, as Chase has provided no historical evidence of the debt beyond the assertion that it I share it jointly with my former wife, who 's tax identification is still unknown to it. 

Insofar as the XXXX will impact my personal tax filing and financial aid determinations for XXXX sons who will be attending college next year, I am hoping for rapid resolution of the matter in hopes that their education will not be impacted.
Product: Debt collection

Asked the debt collector to stop calling still called with numerous spam numbers, now they are reaching out to my family members telling them for me to call them to resolve my debt and is giving my family all info regarding the debt, from who I owe to all the info to pay the debt
Product: Consumer Loan

I only have XXXX account with wells fargo dealer services account # XXXX and I saw on my credit report for all XXXX reporting agencies, XXXX XXXX XXXX that well fargo dealers service is reporting another account number for the XXXX account that I have the other number is XXXX they changed the information on this account as though I have opened another account when I only have the XXXX with them, they changed the information of the opening date and the amount of payment when my payment was XXXX not XXXX their reporting a new account number for an account that should be closed, and that I had no knowledge about until I checked my credit report, and i called the company wells fargo dealer services, told me that it was the same account with another account number I said i 'm not aware of this and I was n't made aware of this new account and they are breaking the law again they should only be reporting the XXXX account XXXX that I know about. there already being sued for opening accounts that consumers are not aware of please correct my credit report with the account number that shows the account closed I only know about which is paid off there 's no need to add another account that I do n't know about when this account is closed and paid as agreed. the XXXX should not have been opened without my knowledge.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is not reporting the correct personal information on my credit file. They're allowing companies that have accounts with them who are subscribed to them to determine what my personal information is. 
According to 15 U.S.C. 1681, I have furnishthe information they're allowed to publish the written consent and being that the information I gave them is not the same as what they're reporting, they need to remove the info. 
I've already furnished my valid driver 's license, SS Card, proof of address. They need to remove that reporting. 
Correct name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, Florida XXXX the address info and name it has under my name is not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several accounts that I was never late on and a few accounts that do not belong to me. also 3 inquiries I did not authorize
Product: Checking or savings account

I was scammed by a man, I have some contact info on him, but he had sent me checks to deposit to send him via XXXX or XXXX. The checks he had me deposit were supposedly from his account, he added my name to his account. The first check cleared then it was returned due to it saying it was a fraudulent check and the second check he had me try to deposit wasnt even allowed to deposit. The man still owes me {$1200.00} on top of the debt that caused my checking account to close and the debt to my credit card. He had me using my credit card to buy him gift cards to XXXX to use and he would call to pay off the balance but every payment he made towards the card were returned causing that account to be in debt of $ XXXX {$6000.00}
Product: Credit card

XXXX Paypal credit sent me a bill on my email. They are playing games! {$73.00}.

Here are 2 updated Screen Shots! Regarding the XXXX  2 pillows!

This needs to be resolved I want my money back from XXXX statement and the XXXX statement!! 
Please!!! I appreciate a PHONE Call from the Paypal Credit Manager and the CFPB Manager! because I work hard for my money Iam a hospital worker.. 
Thank You Very Much!! 

I will be contacting the CEO of XXXX and I will be sending him all my screen shot documents!
Product: Debt collection

Erc has a Collections on my credit report. That is not mine.
Product: Credit reporting or other personal consumer reports

The presence of fraudulent and inaccurate information on my consumer report continues to cause significant disruption in my life despite my repeated attempts to resolve these issues. As a victim of identity theft, I never authorized or consented to these entries being associated with my name, yet their ongoing presence has generated immense XXXX  and XXXX  while severely impacting my financial stability and everyday wellbeing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a credit card from XXXXXXXX XXXX in the mail at my home. I never applied for this card or requested a card from them. 

I then go on to find that there is a hard inquiry on my credit report for this and showing a new account on my report. I never asked for this and highly believe that this is fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally submit a complaint regarding inaccurate and unauthorized hard inquiries on my credit report. Despite my previous attempts to resolve this issue, including a dispute with the credit bureau, the inquiries in question remain on my report. 
Disputed Inquiry : XXXX XXXX XX/XX/year> Description of the Problem : - I have identified several unauthorized hard inquiries on my credit report. 
- I contacted the companies listed as having performed these inquiries, and they confirmed that they do not have any record of performing these inquiries and do not recognize me as a customer. 
- As a result, these inquiries are negatively affecting my credit score.

7. Legal Basis violation the credit bureau To the FCRA : - Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccuracies on my credit report.

- The relevant sections include : - Section 611 ( 15 U.S.C. 1681i ) : Credit bureaus must investigate disputes filed by consumers. 
- Section 609 ( 15 U.S.C. 1681g ) : Consumers have the right to access information in their credit reports.

- Section 604 ( 15 U.S.C. 1681b ) : Regulates the circumstances under which a credit bureau can furnish a credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit acceptance I did not authorize nor give consent to the following increased being furnished on my Consumer Report. 
XXXX XXXX / XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX {$3800.00} XXXX XXXX XXXX {$2900.00} XXXX XXXX XXXX {$2700.00} XXXX XXXX XXXX {$2100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX XXXX XXXX {$14000.00} XXXX XXXX {$4000.00} US DEP ED XXXX {$4000.00} XXXX XXXX {$390.00} XXXX XXXX {$2000.00} DPT EDXXXX XXXX {$6800.00} DPT EDXXXX XXXX {$8200.00} XXXX XXXX XXXX {$3800.00} DPT EDXXXX XXXX {$300.00} XXXX XXXX XXXX {$4300.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection Account as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Reporting inaccurate information as of XXXX. I am not liable for this debt with XXXX XXXX XXXX XXXX XXXX. I do not have a contract with XXXX XXXX  XXXX XXXX. They did not provide me with the original contract as I requested. According to the FCRA it is illegal to report a debt & late payment on a debt that has no contractual agreement. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Hard Inquiries as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit reporting or other personal consumer reports

15 U.S.C. 1692c " If a consumer notifies a debt collector in writing that they refuse to pay a debt, the debt collector is legally obligated to cease all further communication with the consumer regarding that debt ''. 

ACCOUNTS : XXXX XXXX
Product: Checking or savings account

Hey I would like to file a complaint against Chase. So I was making regular deposits hoping to use this bank as a way to save up my money. And then all of a sudden I see a lot of charges I did not authorize totaling a sum of {$10000.00}. So I disputed every single charge and all of them were international with tons of international fees being shown on my statement. I was able to successfully dispute all of them and received provisional credit totaling the {$10000.00}. And having bills to pay and other expenses & things I needed to purchase I went to the closest branch in person to make a withdrawal and brought two forms of ID because my banking app was restricted and I called them and they said bring two forms of ID to a branch so I brought four actually. My ID, my new debit card that I had successfully activated, my social security card, and even the mailing envelope that the new card had arrived showing my address. And I was constantly told in person told to wait and had many managers and supervisors just XXXX  around the bush and at that point I didnt even care to make a withdrawal I told them I just wanted my account to not be restricted from being used so I could login to my chase banking app, and use my chase card. But nope they instead gave me a number to call, the same number I had called that told me to go in person. Its obvious I am the account holder if I went inside and brought 4 forms of identification and yet the chase operators on the phone constantly tell me come inside a branch and I went to a branch and they tell me to call the number. I feel like Im being XXXX  here and purposely being sent in a loop hole so that they can withhold my funds. So with all of this being said, I would like it to be known all of these charges on my chase count are UNAUTHORIZED, I have never left the country and dont even own a passport. So when these credits for the dispute are finalized I would like to no longer do business with Chase anymore. I want my money sent to me in a check to my address on file that I can go cash at Chase as my final visit to them. Because I do not feel safe anymore doing business with them. I feel they are a scam as a business so with that being said I do not want to close my account with them if they choose to take this complaint and remove my provisional credit and reverse it because then I will have to file another complaint with proof of all these charges being unauthorized and international and not being made by me. But if they act accordingly and take time to see this is my only dispute with them ever and finalize my credits THEN I would like to close my account with them and just get a check. Thank you so much. Please dont allow them to XXXX me.
Product: Debt collection

I am a victim of identity thief i notice a fraudulent account that was open in my name without my knowledge or consent i have no contractual agreement with this company i need this negative account removed off my credit report
Product: Money transfer, virtual currency, or money service

I sent my son funds through XXXX XXXX MTCN # XXXX. He went to Amscott XXXX XXXX XXXX XXXX FL to pick it up. He had the MTCN number and his Identification. XXXX at Amscot refused to give him the funds as she stated the funds were released from XXXX FL and he was picking up in XXXX FL. I was at a corporate event which I had to leave to drive up to Amscot and show my identification. I gave XXXX my drivers license and advised to release the funds immediately. I left only to find out they were still referring to give my son his funds. I had the turn around and drive back to Amscot again. They finally released the funds after I had to make two trips. XXXX was rude, condescending, patronizing and escalated the situation by her XXXX attitude. I would like to see XXXX removed from her position and XXXX XXXX no longer use this location. I send my son money through XXXX XXXX often. There were no red flags. This was harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

Per the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), you have 30 days to investigate disputes. If you can not verify the information within the 30 day time period, you must delete all of the disputed accounts from my report. You must now delete the disputed and unverified accounts. Failure to do so can result in a {$1000.00} fine per undeleted item. 

EQUIFAX & XXXX FAILED TO RESPOND IN ALLOTTED 30 DAY TIME FRAME after I disputed the accounts attached to the enclosed past letter as PROOF!
Product: Credit reporting or other personal consumer reports

I am bringing to your attention the fraudulent personal information tied to my identity. Certain accounts and transactions have been wrongly associated with me, causing significant XXXX I've been a victim of identity theft and have taken swift action by reporting the incident. Addressing this promptly is crucial, as it's adversely affecting both my financial XXXX and XXXX XXXX. I kindly request your cooperation in promptly removing all fraudulent information from my credit report and conducting a thorough investigation. I'm prepared to provide necessary evidence and, if needed, pursue legal action to protect my rights and seek compensation. Your prompt attention to this matter is sincerely appreciated.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. the list of accounts below has violated my federally protected consumer rights to privacy and confidentially under 15 USC 1681.15 U.S.C 1681 Section 602 A. states I have the right to privacy.

15 U.S.C 1681s-2 ( A ) ( 1 ) is reason to believe that the information is inaccurate and this account should be removed from my credit file.

15 U.S.C Section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S.C 1681c ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven ( 7 ) 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 to believe that the information inaccurate and violating my federally protected rights. I'm respectfully requesting these accounts be deleted. Thank you for your time! Pursuent to the FCRA and the CFPB my rghts are clearly in violation and Im requesting tat tese accounts be removed at your earliest possible convience!