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

I checked my credit reports from all three bureaus on XX/XX/XXXX, and I noticed inaccurate information being reported on my reports. According to the US 1581, i All the information on my reports must be accurate, or you must delete these accounts and data from my reports. The following accounts are not reporting accurately not XXXX XXXX XXXX is reporting 30 days late on XX/XX/2023 for XXXX and XXXX but paid on time to Equifax XXXX 
XXXX is showing late XX/XX/2023 for Equifax but paid for XXXX, and late XX/XX/2023 on XXXX but paid for Equifax. How can this be? There is a violation here, and this needs to be deleted, as I was never late on these accounts. I will also be filing a lawsuit against XXXX Equifax and XXXX unless these accounts are made right to show paid on time.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are fraudulent and unverifiable. Are you familiar with something called 15 U.S.C. Sec. 1681i ( a )? I heard that if you cant provide proof, these accounts must be deleted. Listed below are the inquiries : XXXX XXXX NA XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX MO XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX, I was a round of inquiries from different lenders to get quotes and possibilities. Network Capital was one of them, and I simply wanted a quote with a soft pull, like the rest of the lenders were doing for me. Without my consent, they made a hard pull on XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, I called to try and remove the hard inquiry request, but they said they didn't have my application on file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I dispute this claim with my back and credit agency, I do not have an account with this company, and never had.i haven't made any payments or withdrawal, no record of the account.
Product: Debt collection

In the past 4 days I have received 24 calls, the last two very threatening.

They asked me to provide my PII ( social and date of birth ) The callers only gave a ID number said too fast to write down. They became very threatening when I told them I would not give them my PII because I have been a victim of ID theft and credit card fraud. 

I was threatened this morning by a man. When I called the number back from which he called, I was connected to an adult live chat line. 

The man told me he would track me down on the streets and that he would get my social or take everything I own. He claims to be from a company called Premier Credit of America LLC. When I call the branch in XXXX, they just hang up the moment I mention the calls I received. 

I am fearful for my well-being at this time due to the threats made by these people who are seeking my PII in an phishing attempt. If it legitimate, then these collection persons are breaking the law. They say they already have the information but need to verify who I am and the only way I can do so is to provide them the information they demand. I have asked them not to call but the calls continue. Calls started on XXXX XX/XX/2019 and the last received this morning XXXX XX/XX/2019. 

All calls have been threatening. I gave no information about the myself, trying to get more information about the so called debt. I would have hung up right away but I have been battling clearing the ID theft and CC fraud for years, the primary numbers they call from are XXXX and XXXX. 

I have filed complaints with : Consumer Financial Protection Bureau. 
Federal Trade Commission. 
My state 's attorney general. 
XXXX  XXXX  XXXX. 
I am seeking at this time an attorney to file a civil suit.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act ( FCRA ), the account below XXXX XXXX XXXX, Account # XXXX which XXXX stated has been verified and updated. I am writing to request a detailed description of the investigative process followed by your agency regarding the disputed account on my credit report. Pursuant to the FCRA 15 USC 1681 ( 7 ). Under section 15 USC 1681 ( 7 ), credit reporting agencies are obliged to provide a description of the investigation within 15 days of receiving a consumer dispute. 
See attachments!
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed information on my credit report over 100 times over the last year and 2 months. I have provided a police on XX/XX/XXXX, XXXX ive provided several identity theft reports, and also have provided my credit report from other companies showing the inaccuracies present ob my credit report. 

XXXX XXXX XXXX  Account # : Balance : {$43000.00} ( Identity theft ) This is a personal loan I never agreed to and have no knowledge of it was deposited into a fraudulent account that XXXX XXXX  closed down. Also the company sold the debt to XXXX XXXX XXXX XXXX, even though they provided no evidence the account was mine. Ive requested evidence for 8 months. 

XXXX XXXXXXXX XXXX Account # : XXXX Balance : {$9200.00} This account was paid by my Gap insurance so amount of XXXX is incorrect. the true amount was XXXX. The incorrect amount has been showing on my credit report for 2 years now. even though the account was reported as income as XXXX XXXX XXXXXXXX via a 1099-C and paid through my personal taxes. its still being reported falsely on my credit report.
Product: Credit reporting or other personal consumer reports

I recently submitted a dispute regarding the bankruptcy reported on my credit report. However, the credit bureau verified the account as accurate without properly reinvestigating the account. I was informed that the information was reported by XXXX, but this is not accurate. After obtaining a copy of my XXXX report, I can confirm that no bankruptcy is listed. I am attaching a copy of my XXXX report showing they are not reporting a bankruptcy. I have also contacted the XXXX Bankruptcy Court and they advised they do not report ANY information to ANY credit bureau! 

If the credit bureau is unable to verify or validate the information as required by 611 ( a ) ( 5 ) ( A ), I request that this account be deleted immediately. The bureau is already exceeded the 30 to 45 day timeline they have to validate this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried several times to get Equifax to do a proper investigation into the items I disputed. They verified the items without doing a proer investion and did not resolve my concerns.
Product: Money transfer, virtual currency, or money service

I filed a dispute on XX/XX/2022 with Paypal for transaction ( ID XXXX ) from a Paypal account linked to email ( XXXX ) in the amount of XXXX ( XXXX in USD ) to a Paypal account under name : XXXX XXXX XXXX my XXXX son made a transaction that I did not authorize to a fraudulent offer on the internet. When my son did not get what he wanted to purchase, he reached me and I filed a claim with Paypal, worned an account under XXXX XXXX holder that he is not my family member of a friend, he scammed a child and if he will not return the amount I will continue to ask authorities to run the investigation. After 7 days of waiting from Paypal I got a denial email that a transfer was authorized. 

What should I do and whom should I contact further on? 

It is a fraudulent activity of a Paypal account user, and I did not authorize this purchase. 

Paypal representative, who issued a denial letter, can not speak for me ( if I authorized it or not ). Thus, this person was not properly trained to identify fraudulent and unauthorized activity on the account. 

I do not have anyone in XXXX and never sent any money to XXXX previously to this fraudulent person previously. 
In this case I consider Paypal supporting scammers and fraudulent account users in XXXX who target kids on XXXX  platform to scam their parents ' PayPal accounts. 
I want to escalate this case to an official investigation on PayPal financial services to a manager level for : 1.Review and close scammers ' accounts that are targeting children ; 2. Act in a proper timeframe for report of scammers 3. Refund the amount I was asking. 
Kind regards, XXXX XXXX XXXX
Product: Consumer Loan

I currently have a loan with Springleaf Financial, in good standing. No late payments, no problems whatsoever. 

I applied online for another loan with Springleaf, for {$10000.00}. I received an email stating that I had been approved, but for a reduced amount ( {$7500.00} ). The email instructed me to call in order to complete the process. 

I called and answered numerous questions about employment and income. Everything went fine, until I mentioned that I already have a XXXX loan in good standing. I was immediately placed on hold, then the Springleaf representative came back on the line and mumbled something to the effect of " I 'm concerned about risk. '' I waited for him to say something else, but about a minute of silence passed. No wonder - he had disconnected the call. 

Having pre-approved me for a loan, Springleaf was apparently incapable of determining that I am already a customer - even though I provide my name, address, SSN, etc. ( and they did pull a credit report ). When I disclosed that I 'm a customer in good standing, their response was to disconnect the call and to refuse to continue processing my loan - even though they had pulled a credit report and pre-approved the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer natural person I am asserting my consumer rights pursuant 15 U.S. Code 1681b ( a ) ( 2 ) per my written instruction I say what can be on my consumer report. I did not consent nor contract with XXXX XXXX XXXX on Wednesday XXXX XXXX. I request that this account XXXX is deleted. I ask that this alleged debt is verified and investigated. Pursuant 15 U.S. Code 1681a ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The above account is a direct impact to my ability to exercise my right to credit because my reputation with this consumer reporting agency is inaccurate and I know that the banking system is dependent on this reporting. I ask for a copy of full credit file not report the full file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 90 plus days past due on the XXXX/XXXX   accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 8 and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting

A negative report was placed in my credit file in the amount of {$1000.00} without even sending out a letter or phone call to notify me. I got my annual credit report to find that Credit Bureau Associates # XXXX in XXXX, Ga placed a negative notation on my credit. This was not my debt. The Credit bureau looked my information up posted it and did not even notify me by letter or phone before negative report was placed in my credit file. If they had sent out a letter beforehand i could have told them that I have never needed services that required XXXX services.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding an ongoing issue with my credit report. Despite my previous attempts to correct the information, there is an account listed as being late in its opening date. This error is causing significant harm to my credit profile, and I urgently request its correction. 

The specific issue is as follows : XXXX XXXX XXXX Balance : {$0.00} - The account XXXX XXXXXXXX was reported as being opened which is incorrect. I have proof to substantiate this correct date. 

I have previously disputed this discrepancy and provided supporting documentation to demonstrate the accurate opening date of the account. However, despite my efforts, the credit report still erroneously states that the account was opened late. 

I kindly request that you thoroughly investigate and promptly correct this mistake in accordance with the Fair Credit Reporting Act ( FCRA ) guidelines. Under the FCRA, you are required to investigate and resolve disputes within 30 days. Therefore, I expect this issue to be rectified and reflected accurately in my credit report. 

This late open account reporting is negatively impacting my creditworthiness and financial opportunities. It is essential that my credit report accurately reflects my financial history and responsibility.
Product: Vehicle loan or lease

They're trying to charge me more interest rate when the car is totaled and a complete loss the collusion XX/XX/2019 Noom
Product: Credit reporting, credit repair services, or other personal consumer reports

Information is incorrect. balances are wrong address and names are incorect
Product: Checking or savings account

Applied for a XXXX loan through XXXX XXXX. Before I submitted application I checked SBA guidelines dealing with deposits into personal checking accounts. There was nothing in the Cares Act of 2021, or on the XXXX XXXX website that stated sole proprietors couldnt use their personal accounts to receive deposits. Ive been reselling shoes for years and in XXXX I grossed a substantial amount from it. My funds were deposited on XX/XX/XXXX at XXXX into my Golden 1 personal checking account and was frozen by XXXX the same day. I spoke with Golden 1 and they referred me to their XXXX department. They asked for documents to prove I am a business ; however a-lot of the documents they asked for dont apply to me. They asked for XXXX XXXX XXXX, partnership agreements, state licensing and plethora of other things. I submitted my Schedule C, my EIN number ( even though as a sole proprietor it isnt required ) and docs from XXXX XXXX showing that it is in fact me who applied for the loan. They still have stated it doesnt prove anything and that theyll send my loan back to the lender. Now i may be liable for a loan that I couldnt even use, and it may not be forgiven because I couldnt spend it on what it was authorized to do. In addition Golden 1 doesnt even offer business accounts so their clients that receive these government loans are met with yet another barrier to overcome. I believe Golden 1 collects interest on our money so not only are they refusing to release funds but they are capitalizing from it and i believe they may be creating these rules to launder money. I think somebody needs to take a deeper look into how golden 1 conducts business because it isnt right.
Product: Checking or savings account

I made half of my car loan with my bank who is also the leinholder over the phone with an Arvest employee on XX/XX/XXXX and that payment is showing on my bank account as being withdrawn from my checking account and then on XX/XX/XXXX which was on a Saturday I paid the rest in the amount of XXXX I checked my account online on that following Tuesday and it had not cleared my account yet so I called that same day and asked about it and they told me to call or check my bank account in two more days and it was not taken out yet. So I called again and they said that the money was taken out and then put back into my account so I opened my Arvest app while on the phone with a customer service representative and looked and I told them there was not anything showing in my account that the money was ever withdrawn or added back to my account I have called and went into a local branch for the past three weeks and have accomplished nothing on where the money went I was then told that the XX/XX/XXXX payment was made and then reversed which again there was nothing showing that and all it shows is where the money was taken out the bank keeps telling me I need to make the payment again and that I should have asked the Arvest employee to repeat the account number to me and that I am responsible for the money I have made the car payments over the phone with a parson for the last seven months and I pay over the phone so that the money comes out right away because I hate sending checks because you have to wait around for them to clear your account I am getting no where with this problem I have never had a problem with it until now and I asked if they could see who took my payment and they wont go into that conversation with me I always pay all of my bills and I do not have time to waste time on the phone with any company over a bill that I know I have paid my phone number is XXXX XXXX XXXX I need help with handling this problem
Product: Checking or savings account

I was hired by a company and did not know they were fraudulent until they sent me a check and then stopped payment of the check. The check was for {$4900.00}. I sent out three XXXX transactions for {$1000.00} and a {$1800.00} wire transfer. I have contacted Wells Fargo XX/XX/XXXX after I received an email that my account was over drafted. I filed a fraud claim on XX/XX/24. In the account was {$1800.00} of my money that they are trying to not give back. I need my money to pay bills. Wells Fargo is trying to shut down all my accounts. I have been a customer for 19 years and have never cashed a fraudulent check on my account. They have blocked all deposits that I would get as well as my husbands as well. Pleas know I was recently laid off and this money is the last of my severance check and I am supposed to get a bonus via direct deposit in a week. My account is currently in the negative and the outstanding balance has eaten up the money I had in there. Please help they are trying to not give my money back. Please note I still have my maiden name XXXX XXXX on my bank account.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

In early XXXX of XXXX I refinanced my auto loan with Ally financial with a new lender for a better rate resulting in a lower monthly payment. My new lender sent Ally the payoff check via XXXX overnight on XX/XX/XXXX. Ally received the check on XX/XX/XXXX. I confirmed this by the XXXX  tracking link provided to me by my new lender. I contacted Ally on XX/XX/XXXX to let them know they had the check in hand and to ask them to update and close my account. They told me they arent seeing the check was received yet and advised me to call back in XXXX hours. I told them I was concerned with them reporting a late on my credit and they advised they only report lates after XXXX days. I contacted Ally every day after XX/XX/XXXX to inquire about the status of my account, each time I was told the check wasnt received, even after I sent them the XXXX  tracking link and the receipt showing proof of delivery. Each time I was told their paper check processing system was down and to try back in XXXX hours. I contacted them everyday and when asked I provided them the check date, check number and amount. Even then I got no resolution. My lender provided me a copy of the cancelled payoff check which I sent to Ally MULTIPLE times to prove the payoff check was processed but my account wasnt updated and closed. Ally reported a XXXX day late on my credit on XX/XX/XXXX, well over XXXX weeks after they processed the payoff check from my new lender. I have disputed this with the credit bureaus and filed a complaint with the XXXX. I still have yet to hear from Ally after a customer relations specialists reached out to me and asked that I email all documentation directly to her. I did that on XX/XX/XXXX and still have yet to hear back from her. I received a letter in the mail yesterday from Ally stating that if my account was not brought current by XX/XX/XXXX, they were exercising their right to terminate our contract and repossess my vehicle. I have reached out to Ally every day via, email, chat, phone call and they have been unresponsive and offer no help on getting this issue resolved. I have never had a late payment at all during the time vehicle was financed with Ally. This is wrong and unfair.