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

sorry my grammar is not 100 % accurate! 

Hi & To Whom It May Concern : How are you doing? Im not sure who to bring this up anymore, but I been dealing with the original dealership XXXX XXXX for the last 3-4 months in regards to a vehicle that was never on my possession. As I mentioned, I never took the delivery of the vehicle and its been on principal owner XXXX XXXX XXXX dealership for day one due  to mechanical issue. And now my credit report is all ruined because the principal owners never dealt with them on timely manner. Every time I called them, they kept saying that they dont have the money to send back to the bank to remove this from my credit report. Ive called the alleged bank XXXX XXXX  several times and they stated in several occasion that once they receive the money from the Dealership that submitted the Credit Application they will go ahead and remove the tradeline from my credit report. 

Today, I look at my credit report again, it continues to report incorrect on my credit profile. It shows balance {$0.00}, however, its reflecting with derogatory mark, such as comments as settled-less than full balance, other bureau shows account legally paid in full for lass than the full balance, and XXXX reports as settlement accepted on this account or paid account/zero balance. As you can see on the pictures, I NEVER made the payment on this account. The dealership made the payment directly to the bank and you can see the check was made by them XXXX   XXXX XXXX XXXX. 

Therefore, this is causing me tremendous stress, and Im overwhelmed with lack of professionalism and blunt errors on my credit report which is costing me thousands in interest rate and fees. 

Please, I ask again, resolve this from my credit report either CORRECT as Paid NEVER late or remove the entire trade line from my credit report as promised. 

-- I need the company to remove this tradeline from my credit report as I never made the payment, and never took the delivery of the vehicle. Please delete this tradeline from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECENTLY HAD MY CREDIT PROFILE PULLED. UPON LOOKING AT THIS REPORT I HAVE NOTICED THERE WERE ACCOUNTS THAT ARE NOT MINE BEING REPORTED BY YOUR AGENCY. I SENT DISPUTE LETTERS ON XXXX, XXXX, XXXX, XXXX WITH NO INVESTIGATIVE REPORT RESULT RESPONSES. I HAVE HAD FOUR 30 DAY VIOLATIONS TO RESPOND TO MY DISPUTE LETTER. 

PLEASE SEE ATTACHED IDENTITY THEFT POLICE REPORT, AND IMMEDIATELY DELETE THE BELOW LISTED ACCOUNTS.
Product: Debt collection

I have repeatedly requested verification and validation of this account with noresponse from the data furnisher. i have also sent in notices and a copy of my FTC identity theft report to advise them that this is a fraudulent account yet they are still reporting it to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

FYI - THIS COMPLAINT IS SEPARATE & DIFFERENT FROM THE PREVIOUS COMPLAINT TODAY.., SO THERE IS NO EXTENSION OF TIME TO INVESTIGATE. THE CLAIM OF SUCH WILL PROVE TO BE A BLATANT VIOLATION OF FRCA RULES ... 

Equifax RE : # XXXX, states a fraud alert was added to my file that I NEVER requested. This violates the FCRA and my rights ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I RECEIVED A CALL FROM SOMEONE CLAIMING I TRIED TO PURCHASE AN XXXX AND SHIP IT TO XXXX MD, WHICH I DID NOT. THERE ARE SEVERAL MISSPELLINGS OF MY NAME REPORTED ON MY CREDIT REPORT THAT NEED TO GET REMOVED
Product: Credit card or prepaid card

I received a Cash App debit card in the mail, to my full name and address, for an account that is not mine. Fraud is being perpetrated in my name. I reached out to Cash App 's support who said that, because the account is not mine, they can not help me and it will not be addressed further. Cash App is actively helping fraud to be committed in my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am filing this complaint against Experian and there is no third party involved. I have sent out a letter as well to Experian mailed certified XX/XX/XXXX. Experian is in violation in regards to the information that is being furnished on my consumer report. I would like to state that Experian is in violation of 15 USC 1681b ( a ) ( 2 ), which clearly states that a consumer reporting agency may only furnish a consumer report in accordance with the written instructions of the consumer. I, the consumer, never gave Experian any written consent to report anything on my consumer report.. NO CONSENT = IDENTITY THEFT. The following are fraudulently furnished inquiries. I did not authorize, benefit from, nor consent to any of the listed inquiries and i demand they be removed from my consumer report immediately : 1. XXXX, XX/XX/XXXX 2XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 3. XXXX XXXX XXXX  XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 4. XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 5. XXXX : XX/XX/XXXX, XX/XX/XXXX 6. XXXX  XXXX XX/XX/XXXX 7. XXXX  XXXX XXXX, XX/XX/XXXX 8. XXXX  XXXX XXXX  XXXX XX/XX/XXXX 9. XXXX  XXXX  XXXX, XX/XX/XXXX 10. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 11. XXXX XXXX XXXX : XX/XX/XXXX, XX/XX/XXXX 12. XXXX XXXX XXXX XXXX  : XX/XX/XXXX, XX/XX/XXXX 13. XXXX XXXX XXXX : XX/XX/XXXX IF THEY ARE NOT REMOVED, I WILL HOLD EXPERIAN CIVILLY LIABLE UNDER 15 USC 1681N FOR WILLFUL NONCOMPLIANCE AND AGGRAVATED IDENTITY THEFT PURSUANT TO 15 USC 1681A ( Q ) ( 3 ) SINCE FRAUD IS BEING COMMITTED USING MY IDENTIFYING INFORMATION. These negative and fraudulent items on my consumer report is preventing me from having an equitable consumer report according to 15 USC 1681b. If Experian can not provide to me a copy of when I sent a written permissible purpose to validate these inquiries, I demand they be deleted IN 4 DAYS. Enclosed is the FTC Identity Theft Report which states the inquiries that are being fraudulently furnished.
Product: Credit reporting or other personal consumer reports

they put you through to many hoops they are not satisfied with that your info. 
is correct they want a mailed copy of drivers license and you can't speak to a live person i am XXXX XXXX XXXX and am not very good on computers. 
they bombard you with offers to buy other services instead of helping you to monitor your account and protect yourself this isn't fair to the consumer who is just trying to be safe.
Product: Debt collection

Dear XXXX XXXX XXXX THERE ARE XXXX ACCOUNTS UNDER MY XXXX  AND NAME that i'm not aware of and no prior knowledge. I am writing to dispute the alleged debt mentioned reported by your company. This account is fraudulent, and I have never had any prior relationship or entered into any contract with either of these companies. 
The reporting of this account violates both the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). To resolve this, I am requesting the following documentation : XXXX. Proof of your authorization under 15 USC 1692 ( e ) and ( f ) to collect this debt. 
XXXX. The legal basis for collecting this debt. 
XXXX. Proof of your authorization to operate in my state. 
XXXX. Evidence of the alleged debt, including any contracts or agreements bearing my signature. 
XXXX. A full account history, including all related charges.
Product: Bank account or service

I purchased a mattress from XXXX in XX/XX/XXXX, with the delivery date scheduled for XX/XX/XXXX The day they delivered the mattress, they gave me a statement that showed all of my charges, totaling {$1100.00} XXXX with tax ). It took almost a month before I received my bill from Wells Fargo. When received it, I immediately noticed I was charged for XXXX mattresses instead of XXXX. I had my original charge on XX/XX/XXXX but was for some reason charged again on XX/XX/XXXX I have contacted both mattress and more, as well as Wells Fargo and have come to no resolution. I was told by a Wells Fargo Representative that my minimum amount due is {$77.00}, which is double what it should be since I was charged for more than XXXX mattress. I was also told that while this is being looked into, I still have to pay on the account, or will be charged late fees. I notified them that the double charge has also reflected on my credit report and I was told they would complain about it but nothing has been done. XXXX and More told me this was all a mistake on their end, but that they 've resolved it. Unfortunately, it looks as though nothings been done on the end of Wells Fargo, as every time I call them my amount owed is still showing the same.
Product: Checking or savings account

Called fraud department on XXXX XXXX 2021 about wallet being stolen now my account is overdrawn a large out and I have nothing to do with it
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX am a victim of identity theft. There are fraudulent accounts on my credit profile that need be removed immediately!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed a copy of my credit report and I show company WESTLAKE FIN account number XXXX is listed as non-verified account. I have attempted on several times to have this account reviewed with no luck. I have been violated per the FRCA and FDCPA. I will need help for deletion of this account due to attempting to purchase a home.
Product: Mortgage

IN MY PREVIOUS COMPLAINT I REQUESTED MY MORTGAGE STATEMENTS FROM XX/XX/2018 THRU XX/XX/2018 SINCE I NEVER RECEIVED THEM. I WANT THE ORIGINAL PAPER MORTGAGE STATEMENTS NOT COMPUTER GENERATED STATEMENTS. IF THIS IS ALL THEY, RE OFFERING I WILL LODGE ANOTHER COMPLAINT.
Product: Money transfer, virtual currency, or money service

On XX/XX/2022 around XXXX I got a scam from the market place on XXXX XXXX I posted an item but the person scammed me {$500.00} by sending me a fake Zelle account email to made me sent {$500.00} through the Zelle. Now they are frauding me higher amount of {$1000.00}. 
I already contacted XXXX XXXX and reported the fraud but they didnt help I need to pay my rent and now I don't have money to pay please help
Product: Student loan

XX/XX/XXXX, I applied to FedLoan for an income driven repayment plan, and was put on one. I made XXXX payments, and then my plan was canceled. I do n't know why it was canceled abruptly. FedLoan placed me on a standard repayment plan, and I am unable to make those high payments. I contacted them through their website and explained that I was on an IDR and to please send me the application so I can get back on one so I can make payments. I never received a response to that request, or to the following XXXX requests for an application and my statement to them that I work part-time and can not make those payments. They have harassed me every month for payment. 
XX/XX/XXXX, they billed me for over {$1300.00}. On XX/XX/XXXX, I called and talked to someone who emailed me the IDR form which I completed and promptly mailed to them. I received an email on XX/XX/XXXX acknowledging receipt of my application for an IDR. On XX/XX/XXXX, I received four letters from FedLoan in my paperless inbox in their website that make my head spin. One says that I requested to be removed from my IDR and put on a standard repayment plan. I did not make this request. Another says they put me on an administrative forbearance. Another letter says that my IDR will start in XX/XX/XXXX and my monthly payments for the next year will be {$11.00} which I can make. However, they are dunning me for payments under the standard repayment plan that I did not request! Why would I request that repayment plan if I ca n't make the payments? I have the application where I requested an IDR, and the letter I sent with it asking them to please place me back on an IDR so I can make monthly payments. 
Please help me as they are jacking me around so much! My payment is almost two months overdue, and they are calling and sending emails constantly wanting {$600.00} and change, and now they want over {$1300.00} again. All I have ever requested from this company is an IDR with the lowest repayment amount so I can make payments. 
I have all the documents and screenshots if needed.
Product: Payday loan, title loan, or personal loan

They opened the loan in a different market, I'm in California and they opened the account in New York. I can't go inside a bank and make payments. I can't not link my accounts to monitor payments because it's in a different state. The phone customer service payment department isn't open on the weekends to take payments. My first payment was late because I had to wait until Monday to make the payment which was a date late. The phone reps did not provide confirmations numbers for payments. I've made two phone payments, none provided confirmation numbers. They are able to access the account anonymously without leaving an electronic trail. There is no name of the rep who opened my account. They refused to provide names when asked. I have no received statements.
Product: Checking or savings account

I purchased XXXX  Tickets on XX/XX/2023 for the amount of XXXX over XXXX me an Additional XXXX taking my charges to {$810.00}. I filed a Dispute with My Chime Banking. XX/XX/XXXX I was credited XXXX then on XX/XX/2023 {$400.00} was reversed out of my account after being over charged putting my account into a Negative - {$370.00}. I contact the Banking service and asked why they reversed payment when I sent in proof of documentation and they couldnt give a response just kept saying it was a reversed payment, after giving proof I was over charged on a purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been in prison from XX/XX/2018 to XXXX I have no knowledge of several accounts on my report.. I disputed them and provided my floc info showing I was incarcerated.. they updated my reported with higher balance
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an Account passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX ( Account # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX ), XXXX 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information on my credit report. With Experian on XX/XX/year>, I submitted documents to support the removal of this incorrect information. Unfortunately, The representative informed me that a third-party verification service was used to validate my information. This practice is in violation of the Fair Credit Reporting Act ( FCRA ). Furthermore, I have opted out of third-party information sharing, raising concerns about how my information was obtained and who verified it. 
I request an immediate investigation into this matter and the prompt removal of the inaccurate information from my credit report. Please provide me with details about the third-party verification process, including the identity of the individual or entity who verified my information.
Product: Credit reporting or other personal consumer reports

I received notice from XXXX, XXXX, and XXXX that Capital One had pulled a hard inquiry on my credit report. I called Capital One and spoke with XXXX. She confirmed that an application for a Quicksilver card was in their system. They marked the application as fraud. XXXX committed to alerting the three credit report bureaus. I contacted all three credit reporting agencies and had my accounts frozen.
Product: Debt collection

XX/XX/year> amount : XXXX i wrote them a letter like this. 

I am writing to formally request to opt out of the sharing of my personal information as permitted by the provisions of 15 USC 6802. I am exercising my rights under this law to prevent XXXX XXXX  from sharing my personal information with any non-affiliated third parties, except as permitted by law. 

Please cease any sharing of my personal information with non-affiliated third parties as soon as possible, and ensure that my personal information is protected by the law.
Product: Bank account or service

By mail, I received an offer to cash a check for {$2500.00}. The check looks legitimate but I have no interest in dealing with a bank I never heard of, Mariner Finance. They included a phone number to call to opt out of further offers but when I call they ask for my social security number that I did not provide. I received this offer through the mail with my correct name and address. That 's what they should have asked for so I am a bit suspicious .I also do not like that they sent a check that looks like anyone could have cashed it if it was stolen out of my mailbox.
Product: Debt collection

I had canceled my XXXX XXXX due to me having been in the XXXX  for 3 months and XXXX XXXX for approximately 4 months from XXXX XXXX. I almost didn't survive. Non the less I canceled my contract even though XXXX made several attempts to keep me active. I declined there offers. They send me packaging boxes via XXXX. I packaged up the material/equipment and dropped off at a XXXX location in XXXXXXXX Indiana  XXXX They received my equipment and I then contacted XXXX XXXX to request a final bill and set up a payment arrangement. They told me they already sent the account to collections. RPM is the collection company. I called them and addressed my concerns. They said it's been in collections since XXXX. That means it went straight to collections and no options for me to set up a payment agreement at all. They have already reported it to my credit report and refused to delete it while the investigate my dispute which is a final bill and a option to set up any sort of payment. I was very clear a payment agreement needs to be in writing. They said they can't send me anything but reassured me that the call was being recorded. I said unless I get a final bill that I can't make any payments period. I need a final bill or a settlement offer. Once again I have not received anything after the equipment was returned other than an email from XXXX XXXX that they received my equipment. I feel RPM is purposely reporting a collection on my credit report as some sort of extortion which I feel is illegal. I submitted a dispute and its still not resolved. So I was left with no option but to file a complaint here against them.
Product: Debt collection

Phoneix Recovery Reporting Negative Collection account to Credit Bureaus XXXX XXXX and XXXX for an Account related to ID Theft at XXXX XXXX XXXX. Requesting Permanent and Immediate Removal and Discharge of Unauthorized Balance.
Product: Credit reporting or other personal consumer reports

Please delete these fraudulent Inquiries and accounts from my credit report. I have included the Identity theft report as well. 

Fraudulent Inquiries : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like my security freeze to be removed from my Experian credit report
Product: Checking or savings account

On XX/XX/XXXX I used the website of my Citizens bank to transfer money from two of my other online bank accounts to my Citizens account. One transfer was for {$500.00} from XXXX. ( XXXX  ) to my citizens account, and the other was for {$1300.00} from my XXXXXXXX XXXX ( XXXX XXXX XXXX ) to my Citizens account. On XX/XX/XXXX Citizens has stopped both of these deposits from going into my Citizens account, and since then, the funds have not been returned. As of right now both transfers aren't in any of my accounts, and the money is missing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demand to be deleted immediately 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 ) XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my credit report and noticed a error on my report and In accordance with the Fair Credit Reporting act XXXX Account 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 XXXXXXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A collection account from XXXX was added to my Equifax and XXXX credit profile. But the investigation was updated to verified. I was never notified by this company in writing or by phone to dispute this charge.
Product: Debt collection

I have been contacted multiple times with threats that if I do not respond within the day I will be sued. Called to try to settle on a debt I believe to be paid and when I offered settlement amount just to get them off my back, I was told they would have to check with the 'courts '. Continued to receive a call every hour for the rest of the day. Still never received a 'validation notice ' or a notice of the right to dispute. Just constant threats of legal action.
Product: Checking or savings account

I opened a new checking account in XXXX and deposited XXXX and then I went on a trip I wont be back till XXXX but fifth third bank has decided to do a security check that requires me to be there in person to show two forms of identification, even though I did that in person when I opened the account now I cant access my funds for about six months I contacted the bank and they were not able to just close my account and return my funds they say the only way is to be there in person and that wont be possible for another six months
Product: Money transfer, virtual currency, or money service

I went on a XXXX page to buy tickets to a sold out comedy show and was told to text someone for more information. I texted them and was given their PayPal email and paid them over PayPal, but they told me to label the transaction as type " Family/Friends '' and not the purchase of a product. They said they would send me the tickets once they received the payment and now they are not replying and will not send me my tickets. I tried to file a dispute with PayPal but they said the Purchase Protection Policy does not cover personal transactions.