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

I report abuse of trust by a former co-worker in the process of processing the AUTO loan and where they took advantage of my good will and conducted a whole process of strong consultations with different banks and financial companies, through deception, manipulation and tricks. unscrupulous The car process is requested by XXXX XXXX ( XXXX XXXXXXXX XXXX Utility - Please see attached data / Digital backup ). XXXX XXXX asked me to help accompany her to her office ( XXXX XXXX ) on XX/XX/XXXX, because she was being offered a car and she wanted to know the amount of the monthly payment and financial responsibilities. - First. They checked her credit and her credentials. ( SSN ) And the salesperson who helped her at that time told her that her credit score is incredibly low and that she needed to present a guarantee and contribute a higher premium to the AUTO. Given that the monthly fee would be approximately XXXX XXXX to XXXX. 

Having this information, XXXX XXXX suggested to the seller that she try my personal credentials ( XXXX ) to see the numbers and take advantage of my credit history and see if the monthly payment could be lowered. 

So, $ XXXX was a very heavy amount for her finances. She was looking for an average fee of approximately USD XXXX. 

I acted in good faith and with the healthy intention that we would try the alternatives and that she would make the best financial decision for her budget. She and the sales associate assured me that only XXXX inquiry would be made to the credit bureau and that it would be smooth. And it would not affect my score in the slightest. situation, which is NOT true at all. 

At no time do I request and/or provide my authorization for multiple inquiries to be made for credit validation and I NEVER request to be the main debtor and/or co-debtor in this credit process. 

Here, the deceived, used and useful fool has been my person. And I was almost scammed, due to this bad practice and abuse of trust from my former co-worker.
Product: Credit reporting or other personal consumer reports

Im beyond frustrated. I have been trying to log into my.equifax.com to get my credit score and my credit report that Im entitled to. Unfortunately equifax wont let me see my credit report, or even dispute online or anything. I have contacted the customer service number and talked to numerous people who always say they are going to escalate it to the technical team. I talked to supervisors still unable to help me. As a consumer I have the right to see whats on my report. I even tried to order my credit report through my annual credit report and equifax wasnt able to fill the request. I then tried to purchase through another company XXXX and once again I couldnt get my credit report only from equifax. I then talked to XXXX customer service and they said Equifax has something going on with my file which is preventing others from accessing it. I tried to get the XXXX XXXX report from XXXX and once again Equifax is the only bureau that isnt working. This issue has been going on for well over a month. Im able to log into my Equifax account and I can see my credit score but I cant see whats on my file. If this doesnt get resolved I will have no choice but to get a lawyer and file a lawsuit against Equifax . Not only is this affecting my score, this is affecting my personal life, myself and my children. Because of Equifax Im not able to apply or get approved for anything due to not being able to access my files for others or myself. Fix this immediately before I proceed with the lawsuit.
Product: Consumer Loan

I applied for a loan for a car XX/XX/XXXX the account was closed on XXXX XXXX XXXX and I paid them. On XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX the creditor United Finance did a hard inquiry on my credit and was not authorized to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly filed disputes and complaints with and against Equifax, since XXXX, on information contained in my credit report. I have contacted companies that have requested credit information with out my approval and while my credit report is on a legislative security freeze, and have submitted these letter many times to Equifax. Equifax continues to not remove these inquires as well as accounts that are aged and should be removed. I have also contacted via telephone and was told that Equifax could not provide any assistance or remove any information. 

Once again, on my last attempt to file a dispute with Equifax with report number XXXX there were no corrections. Equifax continues to do nothing. Disputes were filed with Equifax within 30 days of being notified of the credit inquiry. 

The following credit inquires were no authorized nor was I ever contacted by these companies per the Legislative Credit Freeze. 
XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX  - Card Services ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX, XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX XXXX XXXX ( XX/XX/XXXX ) Aged Accounts to be removed. 
XXXX XXXX XXXX XXXX Account not mine. Have submitted letter from company stating that they do not have my information. 
XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

DELETE FRUAD ALERTS AND EXTENDED FRAUD ALERTS XXXX # XXXX # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACC Experian XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.
Product: Credit reporting or other personal consumer reports

This morning on XXXX XXXX XXXX I woke up to emails and alerts from my XXXX XXXX  app for multiple charges on my credit card. I called immediately and found out someone used my current credit card and also opened up another credit card with XXXX XXXX without my knowledge ( This would also mean my social security number was also compromised ). After this criminal used my credit card for bunch of purchases, he/she funded my credit card with my XXXX  checking account that was linked to my XXXX XXXX mobile app.
Product: Mortgage

On XX/XX/22 XXXX XXXX XXXX reached out to me on behalf of my father to see if he could qualify me for a loan to purchase the condo that I have lived and rented from my father for a little over XXXX years now. XXXX XXXX also stated that he was friends with my step mother and step sister. He stated he was here to assist me. So I proceeded to provide XXXX XXXX with my information and XXXX XXXX emailed me what he would qualify me for using the equity as a gift for the down payment. About a week went by and my father called me to let me know that the amount that XXXX XXXX emailed was not what he would qualify me for as well what was on my credit report. At the same time XXXX XXXX presented an opportunity to purchase a home in XXXX XXXX that was owned by a friend of his for {$230000.00}, well he told my father the most he would qualify me for was {$120000.00} and the email says {$200000.00}? It is my understanding that XXXX XXXX was only to present the amount of what he would qualify me for and nothing else. I am attaching the email between myself and XXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I paid off my loan amount. Even after paying this amount, I was charged the automatically monthly fee. The loan then disappeared off of my app, taking my account number with it. There is no reference to the loan on my account anymore and the customer service representative could not assist me in finding my account and correcting the overcharge.
Product: Credit reporting, credit repair services, 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 accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I received my XXXX XXXX on XX/XX/2023 and notice there were hard inquiries that don't have permissible purpose to be on there. These hard inquiries are hurting me for getting approved. I already reached out to the credit bureaus about this multiple times they keep violationg my rights under 15 USC 1681b. I also have attach the hard inquiries that dont have no purpose to be on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or around XX/XX/2015 XXXX XXXX reported a paid off account that was paid off. The account was with XXXX  and the payment was applied to another XXXX  account via the customer service agent for XXXX  error. Once the account was sent to collections I informed XXXX aka XXXX  of the error and was informed after an investigation that the account would be removed and that it should have never been reported. The account does show a XXXX  balance but is reporting as if I had anything to do with the error. The account needs to be removed ASAP. It is not valid account nor was it past due. I did not now nor did I ever make a payment to XXXX XXXX XXXX. The collect company has not been helpful in my efforts to fix error nor did we have a contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was nothing to explain further I have been sending letters to XXXX and Transunion and I have repeated myself over and over again. The accounts don't belong to me,. I know this is an error and I ask you to please DELETE THE FRAUDULENT ACCOUNTS ... XXXX XXXX  ( ORIG CREDITOR NAME : XXXX XXXX XXXX )
Product: Credit reporting

Kindly my oldest credit card of almost 2 years XXXX XXXX is not showing on my " Equifax '' credit report although it 's showing on my XXXX and XXXX reports, I contacted my creditor XXXX and confirmed that they are reporting to Equifax but Equifax refused to add it to my report for some reason I could n't even know, I have been trying to resolve this issue for months with no luck, mainly due to Equifax being a horribly structured company where they asked me to get XXXX in a conference call to be able to help me and when I did that after a few days Equifax said we are sorry we ca n't help you nor transfer you to any department who can help you. 
Worst experience of customer service in my life is dealing with Equifax , I honestly ca n't believe how they are still in business!
Product: Checking or savings account

I'm trying to pay my Apple Credit Card ( issued by Goldman Sachs ) with my Apple XXXX account ( held by Goldman Sachs ). 

Payments from Apple XXXX to Apple Credit card consistently fail the following day. Neither Apple Card support nor Apple Credit support teams are able to help. I've opened 4 separate support calls/chats and each time I'm either told to " try again '' or " it's a known issue ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th letter submitted to you informing you that I am a victim of identity theft and I complain to question these accounts in my file coming about because of some negligence. The data I am questioning connect with no exchanges receiving any possession of goods, services, or money that I have made or approved. Assuming no one cares either way, impede the noteworthy of any information in my credit file that surfaced due to alleged fraud. 
XXXX XXXX ( Original Creditor : XXXX ) XXXX Balance : {$490.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1400.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1100.00} ; XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$55.00} ; XXXX ( Original Creditor XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1400.00} ; XXXX XXXX XXXX Balance : {$260.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Both of these accounts are in violation of 15 USC 1681C2
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report and the bank 's records ( learned through more research both parties require ). Please block these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX - XXXX  XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance {$0.00} XXXX XXXX Balance XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX Balance {$0.00} XXXX XXXX  XXXX Balance XXXX XXXX XXXX XXXX - XXXX  XXXX XXXX XXXX XXXX  XXXX Balance - XXXX XXXX Balance {$2100.00} XXXX  XXXX XXXX XXXX XXXX XXXX Balance - If you feel there is a possibility these ITEMS belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If CREDIT BUREAUS do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed TransUnion, XXXX, and XXXX to investigate false and misleading information they are reporting to my consumer report.I need proof that an investigation was done. I asked for YOU to provide me with the following information. Who validated the alleged debt, time and date the investigation took place. and all evidence of alleged debt. I would like to the name and address of the original credit. They have fail to provide me with any proof that I owe the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since 2017 i have been enslaved and denied good credit access by Experian and XXXX XXXX credit reporting about the accuracy of my personal information on my credit file they maintained according to the fair credit reporting act. Experian currently is missing my date of Birth and my complete names and also listing old past credit accounts from XXXX XXXX, XXXX and XXXX XXXX that has been settled as charge off/collections and this has been impacting my credit scores since XXXX i have been Denied credits from various applications this is unfair and inaccurate. 
XXXX XXXX has denied me access to good credit since 2017 as they are missing my complete names and listing old settled accounts from XXXX, and lending club as chargeoff/collections greatly impacting my credit scores for years now. 
This two companies has listed XXXX  XXXX Bankruptcy in my credit reports missing accurate datails. This inaccurate reports has impacted my credit scores for years. 
Since 2017 i have been sending letters to this credit bureaus only XXXX saw the truth and has erased all negative items from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. 
I have sent out numerous disputes to removed this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. 

Here are the dates I Sent out letters : XX/XX/XXXX, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/, XX/XX/.
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 confidentiality under 15 USC 1681. 

Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX  Account NumberXXXX has violated my rights. Or a list of inquiries : 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 15 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 Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two felony records were found under my name claiming grand Theft Auto and burglary. Which is unacceptable. I only went through this for a job, that I probably lost do to this ignorant mishap. Never did I commit any such crimes. The court houses could tell you themselves, I have traffic tickets like most but I've never have been nor will I be a criminal. This is my life and I suggest you all get it right.
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter again asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT, and I included it again. Kindly correct this account : XXXX XXXX XXXX XXXX Balance Owed : {$46000.00}
Product: Credit reporting or other personal consumer reports

I recently tried opening a bank account and was denied due to reporting by ChexSystems. This was the negative listing on my XXXXXXXX XXXX  ; XXXX XXXX XXXXXXXX XXXX XXXX XXXX NC XXXX. XXXX # XXXX / XXXX. 
This account is fraudulent and is a violation of my rights. I have included an identity theft report # XXXX as well as a copy of my drivers license for proof of identity. Also I included scanned copies of the Chexsystems Report that includes the false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I called the creditor XXXX XXXX XXXXXXXX ) about 3 unauthorized inquiries. They said that they informed the 3 credit bureaus to remove the inquires and its been past 90days and they haven't. I called and got NO HELP. The dates are XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

The accounts, inquires and addresses that are reporting on my report was told to you guys that it is fraudulent. I given you guys a report to view and none of the fraudulent activities aren't being taken into consideration. I didn't give any clearance to open such accounts and apply for lenders to lead to so many inquires that isn't mines.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021, my mortgage company XXXX XXXX  transferred my loan to XXXX. I was told nothing should be changed on our end for the transfer. I had been paying my monthly mortgage on time each month. Me and my wife XXXX XXXX even called the new mortgager XXXX, they told us everything looks good to go. Our latest payment was deducted by XXXX, and new payments are going to XXXX. 
However in XX/XX/, we found out that both of our credit scores were dramatically dropped from XXXXto under XXXX, a big more XXXX points drop, this affected our ability to get loans ever since. We both had perfect credit scores and were always able to get the best interest rates before this event. 

We did everything perfectly on our end, and as mentioned had been paying everything on time. Due to the errors by the two mortgage companies, they were not able to transfer the payments on time between time, or couldnt reflect it correctly on their system. As consumers we suffered credit drop, we contacted them to get the credit report removed so our credit score can be fixed. However its been 2 years and its still not fixed. 

The mortgage companies have confirmed on their end payments are received on time, and in their system adjusted as needed however never fixed our credit history. 
I would like to have both of my ( XXXX XXXX ) and my wife XXXX XXXX XXXX ) s credit monitoring be fixed with all three credit bureaus by the mortgage companies.
Product: Debt collection

On XX/XX/XXXX, Cavalry Portfolio Services sent a letter claiming that I owe a debt of {$3400.00} from XXXX. I never had a XXXX XXXX  account or card so this debt is not mine.