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

On XX/XX/2022 I purchased a 2022 XXXX XXXX XXXX from XXXX XXXX XXXX in XXXX, XXXX At the time of my purchase I already had financing to purchase and without my consent the Sales Manager requested financing, resulting in a hard pull to my XXXX score, with seven institutions that I did not authorize to do so. This was after the conversation between myself and the sales person advising of the financing I already obtained for the purchase of the car. Regrettably, it wasnt until the next morning that I was made aware by XXXX and the other credit reporting systems I use of the inquiries made by XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX Bank, XXXX XXXX and XXXX XXXX XXXX XXXX making hard pulls to my credit the previous day. I followed up with XXXX XXXX and they provided me with a letter stating that the inquiries we not accurate and should be removed from my report due to their error. I submitted a request to XXXX through the online website to dispute and less than 24 hours they stated it was accurate and would leave them on my credit report for 2 years. No proper investigation was done nor was I asked or able to provide the documentation to support my request to have those inquiries removed. Today, XX/XX/2022 I called into XXXX to resolve the issue and instead of being assisted I was transferred back to the automated message at the start of the call. Prior to me being transferred back, the representative advised Id speak to a supervisor and that XXXX of the companies had retracted their pull. However their report states otherwise. I requested documentation to show proof of those inquiries being deleted and the representative refused to comply.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act The following account XXXX  Account # XXXX, has violated my rights : 1. XXXX XXXX, balance of {$510.00}, date opened XX/XX/XXXX ( would correspond ) 2. XXXX XXXX, balance of {$0.00}, charged off, date opened XX/XX/XXXX ( would correspond ) 3. XXXX XXXX, Balance of {$3100.00} date opened XXXX  ( Wouldn't correspond ) 4. XXXX XXXX, Balance of {$550.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 5. XXXX XXXX, Balance of {$300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 6. XXXX XXXX, Balance of {$4200.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 7. XXXX XXXX, Balance of {$4300.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 8. XXXX XXXX XXXX XXXX  Balance of {$1100.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 9. XXXX XXXX XXXX XXXX Balance of {$860.00}, date opened XXXX   ( Wouldn't Correspond ) 10. XXXXXXXX XXXX Balance of {$3300.00} date opened XXXX  ( Wouldn't correspond ) 11. XXXX, Balance of {$280.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 12. XXXX XXXX , Balance of {$2700.00} date opened XXXX  ( Wouldn't correspond ) 13. XXXX XXXX, Balance of {$2200.00}, date opened XX/XX/XXXX 14. XXXX XXXX XXXX ( XXXX ), Balance of {$630.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 15. XXXX XXXX XXXX XXXX XXXX ) for ( XXXX XXXX ), Balance of {$520.00} date opened XX/XX/XXXX ( Wouldn't Correspond ) 16. XXXX XXXX XXXXXXXX XXXX  ( XXXX ), Balance of {$240.00} date opened XX/XX/XXXX ( Wouldn't correspond ) 17. XXXX XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX ), Balance of {$920.00} date opened XX/XX/XXXX ( Wouldn't Correspond ). 
18. XXXX XXXX, Balance of {$1000.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 19. XXXX XXXX, Balance of {$7500.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ). 
20. XXXX XXXX XXXX, Balance of {$1400.00}, date opened XX/XX/XXXX ( Wouldn't Correspond ) 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
Product: Credit reporting or other personal consumer reports

XXXX XXXX has been causing me a lot of hardship by continuing to report inaccurate information on my credit report. I started to file disputes for investigation in year XXXX. They have also been continuing to call and harass me for payment arrangements on an unverifiable account that has not been proven to be accurate. I have made multiple investigations and no changes have been made. 
They have been in violation on multiple account possible having to cause me to hire an attorney. They have told me via mail letter in XX/XX/XXXX that everything was accurate, and I pulled my credit report XX/XX/XXXX and it's still not accurate nor has this account been verified as accurate this has been reporting for 7 years to date. 

602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting.

605. Requirements relating to information contained in consumer reports ( 15 U.S.C. 1681c ) ( 4 ) Accounts placed for collection. Or charged to profit and loss which antedate the report by more than seven years.

606. Disclosure of investigative consumer reports [ 15 U.S.C. 1681d ( I Did not receive any1099 for this account charge off, I did not receive all information that was requested. ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] Please remove this account. 


XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXXXXXX, UT XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

EXPERIAN HAS FAILED TO PROPERLY INVESTIGATE A ERROR ON MY CREDIT REPORT. I SUBMITTED A COMPLAINT ON XX/XX/XXXX. ON XX/XX/XXXX EXPERIAN STARTED THEIR " INVESTIGATION ''. ON XX/XX/XXXX LITERALLY 1 DAY LATER I RECEIVED A UPDATE THAT MY DISPUTE WAS UPDATED. INSTEAD OF REMOVING THIS LATE PAYMENT THAT WAS POSTED IN ERROR, EXPERIAN PLACED THE LATE PAYMENT FOR THE FOLLOWING MONTH. I HAVE PROVIDED ALL DOCUMENTS PROVING THAT THIS LATE PAYMENT WAS AN ERROR AND THAT THE ORIGINAL CREDITOR CORRECTED THIS ISSUE. I DO NOT FEEL SECURE DOING BUSINESS WITH EXPERIAN AS THEY CAUSED MY CREDIT SCORE TO DROP DRASTICALLY BECAUSE OF THIS FALSE LATE PAYMENT REPORTING.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have these items that are not mine and i want them to be removed form my credit. 


1. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

7. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.
Product: Debt collection

My daughter was enrolled once at stepping stones ( XXXXXXXX XXXX  ) location. I promptly gave a two week withdrawal notice and was later sent to collections stating I never did so. In XXXX, I worked directly with the collection company sentry to resolve such debt. I made all payments as agreed and confirmed they received all checks that show as cashed via direct bill pay. I spoke with Sentry regarding this new account placed on my credit and they state the daycare sent them another account for me. My daughter was only enrolled here once. I contacted the daycare twice and spoke with XXXX who could not provide any information regarding this debt she then gave me the corporate office number. I called the corporate office number and after explaining the situation that I have no debt with them and need more information she proceeds to tell me she is not in the office which I knew because there were dogs barking in the background. I go into the office on last Monday and I am trying to get information and 1 lady tells me that they are too busy serving kids ice cream and I need to come back. The nice lady XXXX XXXX steps in to tell me they are being evaluated by the state and it will be weeks before anyone can explain what this debt is for or about. A total of 7 checks paid out the account in the amount of {$87.00} which that account with Sentry was Paid in full in XXXX. Also, I spoke with Sentry and they have been unable to provide an itemized bill for this alleged 2nd account sent to them by XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was declined for a credit card from Costco, and subsequently found out that Best Buy CBNA reported negative information to the credit bureaus regarding an account that was closed in XX/XX/2016. This account was closed with a XXXX  balance and somehow, they are just now reporting it to the bureaus with a balance and as charged off account. I disputed it with the XXXX  and XXXX  and Best Buy CBNA quickly ( too quickly ) advised both those agencies that they confirmed their information was accurate without further explanation. I also sent Best Buy CBNA a separate letter disputing the information and requesting proof of this bogus debt and have not received a response as of yet.
Product: Credit card

I am not sure if this falls within your scope, but American Express has refused to help me because I can not get a driver 's license as I am legally XXXX. I have attempted to get my name changed to my legal ( married ) name for 2 weeks. I have provided them with a copy of my state issued ID card, which has worked fine for everywhere else, but they refuse to accept it because Arizona ID cards do not have expiration dates on them. They have lied to me multiple times, claiming they emailed me ( They did n't ), that their systems were down ( Hard to believe ) and that I would get a call back from a manager ( I have n't ). All I want is for them to not treat me differently because I am physically incapable of getting a driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft I have worked extremely hard with Equifax a year now about my credit I have sent verification of documents, Police Report from the XXXX police department, even hired an attorney who has been communicate with this company. I also have documents from the company that are fraudulent on my credit for inquiry to open accounts. it has been more than a year almost the inquiry are still on my credit. those company has informed all three of the credit bureau. Equifax has changed my credit score down I have not apply for any account yet my score is down when I last check it was in the XXXX or higher. I called to ask what was going on a young man by the name of XXXX I sure I am not spelling his name correctly but that is the way I had received it when I asked him to spell his name. Because I informed him that I was recording our conversation for documents purposes I was told to resend the same documents again to fax # XXXX witch is the Dispute Dept. and send it again to the Fraud Department # XXXX these are the company that sent me letter of open fraud applications. now I have 17teen inquiry they have not removed. The young man told me they still are showing my maiden name but the Equifax credit show XXXX XXXX. He said it still shows XXXX XXXX I have the change on my Equifax that's why I know they received my information. I don't understand why they are not updating my credit. XXXX, XXXX, to applications, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX two times one was tired for 2days in the same month. another in XX/XX/XXXX. I informed XXXX XXXX XXXX about the situation that is was fraudulent they said they had already reported to all three credit. XXXX 's had showed the application as fraud and sent it to all three credit bureaus, I still have other things that I am disputing My lawyer has taken over that. I hope this issue can be resolved soon.
Product: Debt collection

I have repeatedly stated to them I am currently unemployed, Ive made whatever payments I can, they call me back the very next day to ask for more. Hang up on me when Im speaking to them and they dont like what I have to say. Ive advised I applied for unemployment but was denied and looking for work. They are rude, call from personal cell phones, and send messages about me whining and crying. 

Attached is a message from them directly to my phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

Late Dispute Letter XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, AK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Experian Credit Agency XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my Experian, XXXX, and XXXX Credit Report and I noticed that late payments from XXXX XXXX XXXX is still posted on my report : XXXX XXXX XXXX Account # XXXX Your company is in clear violation of the law. Under 15 USC 1681B-permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( A ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a Consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 

I did not give written instructions to furnish this account on my credit report. 

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS-Except as provided in paragraph ( XXXX ), the term consumer report Does not include- ( A ) Subject to section 1681S-3 of this title, any- ( I ) report containing information solely as to transaction or experiences between The consumer and the person making the report : DELETE this LATE PAYMENT from my consumer report, and put PAID AS AGREED or OK. This agency is in violation of 15 USC 1681. 

Failure to respond satisfactorily with the deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal action being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character. 
2. Negligent Enablement of Identity Fraud. 
3. Fair Debt Collections Practices Act 15 USC 1692g violations. 
4. Fair Credit Reporting Act 15 USC 1681 Violations for willful noncompliance 616. Civil liability for willful noncompliance-15 USC 1681n . 

Best Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent XXXX XXXXl a Cease and Desist that included a dispute with demands to validate the alleged debt pursuant to 15 USC 1692c ( c ). I informed them i was invoking my specified remedy as the consumer and original creditor. XXXX XXXX is willfully being noncompliant pursuant to 15 USC 1681n ( 1 ) ( A ) with handling this matter. Not only has this company violavted my consumer rights and continued to hinder my ability to extend my credit which is my GOD given right through all my energy and any transaction used with my personal credit card number, coupon, licence plate or aka social security number. This company is reporting without my written permission, agreement and full acknowledgement that i have a charge off which is a cancled debt. this comapny did not send me a 1099-c to file so i could file with the IRS. A charge off is consider gross income according to the IRS and governemnt. Income does not go on my consumer report. Yet this company contuines to break the law and hinder my life.
Product: Debt collection

They are using a third party collection company to try to make me pay a debt I have no knowledge of and is not on my credit report. I never had any type of credit thru XXXX XXXX XXXX XXXX so there is no way for me to owe any balance. But I received an email requesting payment from me.
Product: Credit reporting or other personal consumer reports

I opened a loan at OneMain and due to my XXXX and being on Social Security XXXX, I was unable to finish payment of the loan. However, OneMain and their associates and managers have taken a personal interest in hurting me as much as possible. They keep changing the original loan date, currently they are stating I opened my loan on XX/XX/2022. This is false reporting out of vengeance to continue to harm my character and credit score. This date, XX/XX/2022, is the most recent date they reported that I opened my loan, in response to my numerous disputes that this account is well over XXXX XXXX XXXX. Every time I dispute that this should be removed due to the timeframe, OneMain changes the original date of the loan, so that it NEVER comes off my credit report. This is false reporting and a criminal act to DELIBERATELY harm me. I want this debt removed based on the true age of the account. I have recently been denied housing due to OneMain 's FALSE REPORTING. Also, XXXX will not take it off my report even though I have explained this situation to them. Please help me this is so wrong, and it's destroying my character to landlords and creditors are harshly judging me due to this FALSE AND DELIBERATE reporting.
Product: Credit reporting or other personal consumer reports

Around XX/XX/year>, I filed a dispute with Transunion and XXXX stating that XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX are attempting to collect a debt in the state of North Carolina without a N.C. DEBT COLLECTORS LICENSE and therefore these items should be removed from my consumer credit reports. NC law requires that a debt collector must be licensed in the state in order to collect on any consumer debt.I did my research and checked XXXX website. Though the companies are valid debt collecting companies, they do not have a license in the state of North Carolina to collect debt. An alleged investigation into the matter was done by the Credit Reporting Agencies and the response was that the debt was verified as belonging to me and it would stay on my reports. I called the credit reporting agencies back explaining to them that that have violated my right under the FCRA by not accurately reporting and investigating and they did not investigate the matter that I initially submitted. They in turn placed remarks on my credit report like : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) XXXX for XXXX XXXX XXXX ; Account information disputed by consumer ( FCRA ) ; >PLACED FOR COLLECTION - Transunion. Completed investigation of FCRA dispute.I also have contacted the debt collectors listed but no recourse. I am requesting that these companies be fined, that these items be removed from my credit report, and that I be compensated for these violations to the maximum rate of the law.
Product: Credit card or prepaid card

When I signed up for the XXXX credit card I was under the impression that when the initial annual interest rate period was up, the interest rate would be raised. Instead the interest rate was added up for each month and the XXXX worth of monthly payments for 1 year was taken out of my credit card and now I am back to the amount it was when I first got the card. It was misleading as I thought the apr rate was simply changing and it would not be added up like interest on the card through the year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ASST ( Original Creditor : 08 XXXX BANK XXXX XXXX ) XXXX ... WAKEFIELD ( Original Creditor : XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

On XX/XX/2021, I called the Chase hot/fraud line to report a pending unauthorized charge from XXXX XXXX for {$710.00}. 
The Chase representative advised me to disregard the pending unauthorized charge as the pending charge will not be process. Additionally, he advised my credit card would be cancelled and that I would receive a new credit card in less than 6 days. 
Two weeks later I received a letter from Chase saying that they investigated the charge and that I will have to pay for the charges because I received the service. Please understand I NEVER LEFT THE USA!! 
I immediately called Chase and was transferred to the fraud department who advised they would investigate. 
They requested documents I had That supported my claim. I complied with that request and sent a police report which supports my claim that my identity was hacked and my personal information was compromised. 
They advised that they will review and re-investigate my claim. 
One week later I received a copy of the same original later stating that it was a valid transaction because my name and email were used. ( AGAIN, PLEASE UNDERSTAND THAT I NEVER LEFT THE USA! SO, HOW WAS THAT CHARGE POSSIBLE ) I was then advised to contact the vendor which I did. 
I contacted XXXX XXXX  and they advised they had a reservation with my name and email and asked me to contact the hotel. After contacting the hotel, I was told they had a reservation in my name but nobody checked in so they did not charge they credit card. ( PLEASE UNDERSTAND I WAS NEVER THERE AND I WAS IN THE USA!!! ) They provided me an email which stated the same. I forwarded this email to Chase Fraud. Chase Fraud advised that they would re-investigate the re-investigation. Allegedly, they conducted another investigation ( the third ) and served me with a new-old letter stating the same thing they previously sent 4 times.

Im the one who alerted Chase about the unauthorized pending charge was advised by Chase that it would not be process only to find out it was processed and now I am to blame.

One of the reasons we use a Chase credit card is because of the program they have to protect the customer against such things. It is well known that hackers have breached the data bases that support credit cards. Credit cards should have a protection with identity thief and unauthorized charges.

I never travelled outside the United States! I was in the USA the whole time.

The chargewas notmadeby me T
he charge was not made by any authorized user on the account I haven't let anyone else use my card I have asked Chase to reviewedthe fraud charge in several times.i sent a letter to the eco and corporate and they said they charges will stayed. I had sent police report, copy of the credit report bureau, emails from the hotel and snap travel which I contacted I contact XXXX XXXX but the customer service from the call center said that they will contact me and no response.
Product: Money transfer, virtual currency, or money service

Company is soliciting and collecting user details info even though they do not service my state ( WA ). 

I was misled into providing my name and contact information, social security number, bank balance and account numbers, and high resolution scans of my drivers license. 

Company has refused my request to delete the user details provided.