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

" Transunion '' Fraud Credit Inquiry Not Done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXXXXXX XXXX XXXX  XXXX ) In addition there is One Inquiry by XXXX XXXX and XXXX XXXX that was authorized by me, but the above mentioned Inquiries are not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX ) XX/XX/XXXX ( XXXX XXXXXXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX ( XXXX XXXX XXXXXXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These inquiries were not done by me. " XXXX '' Fraud Credit Inquiry not done by me. XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX ( XXXX XXXX XXXX ) These Inquiries were not done by me. XX/XX/XXXX ( XXXXXXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX-ACCOUNT # XXXX WHY is account reporting different dates of last activity, different dates that the account was opened and different dates of last activity as well as a past due of amount of {$4300.00} all are being reported inaccurately by the provisions of the Fair Credit Report the standards of reporting compliance implemented with the CRSA enacted CDIA Metro 2 compliance regulations, I have a right to a fair and accurate credit report, and you are to remove any information that is not true, accurate and compliant. Under the law FCRA USC 15 1681 EACH ALL UNPROVEN, INCOMPLETE, UNTRUE, INACCURATE INFORMATION MUST BE PERMANENTLY DELETED.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft and I have been writing to dispute certain information in my file resulting from the crime. The items I have disputed that are included in my identity theft report do not relate to any transactions I have made or authorized. FTC Report attached. 

Account 1 : XXXX XXXX XXXX : XXXX Account 2 : XXXX XXXX XXXX XXXX Removed as a collection but Shows as closed yet reports a late payment, It is NOT My Account :
Product: Credit reporting or other personal consumer reports

I Contacted IC Systems and they were unable to locate an account for verification. this is an XXXX ( XXXX XXXX XXXX XXXX bill for XXXX that is showing on my credit report as a collection.Under the provisions of the Fair Credit Reporting Act, I advise that these items be investigated and removed from my report. It is my understanding that you will verify these items with the creditor who has reported them. Please remove any information that the creditor can not verify. According to 15 U.S.C. Sec. 1681i ( a ), you by law, must complete this reinvestigation within 30 days of receipt of this letter.
Product: Credit reporting or other personal consumer reports

I have spoken to Mohela customer representatives multiple times throughout the year 2024 after discovering a significant erroneous student loan charge of {$150000.00} on my credit report. Upon my realization, I promptly reached out to Mohela. They informed me that they did not have a record of a {$150000.00} charge and that my actual balance was {$170000.00}. However, my credit report reflects a student loan debt of over {$350000.00}, which is fraudulent and inaccurate. This error has severely affected my credit score, leading to numerous rejections in various credit-related applications as a result of this substantial discrepancy.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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 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 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several inaccurate and outdated items reported on my credit files with Experian, XXXX, and XXXX. I have identified discrepancies in the information provided by various data furnishers across these three credit reporting agencies. These inaccuracies have caused significant financial harm, impacting my creditworthiness and creating unnecessary financial hardship. I am also exercising my right to opt out of any further reporting under 15 U.S.C. 6802 and request the removal of these items. 

Items in Dispute : XXXX XXXX ( Closed Account ) This account has been inaccurately reported with inconsistent balance amounts, credit limits, and charge-off dates. Although the matter was settled in court, the reports still show a balance and charge-off status, which is incorrect. 

XXXX XXXX XXXX ( Reported as XXXX XXXX XXXX ) The account is inconsistently reported across credit bureaus under different names ( XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  ). The payment history, balance, and status ( closed and charged off ) are not accurately reflected across the reports. Not only are there different names reporting to the credit reporting agencies, Im getting mail from XXXX and XXXX regarding this debt. Who owns the debt? This is extremely misleading. 

Dept of EducationXXXX There are discrepancies in the balances, utilization percentages, and payment histories for my student loans. The accounts show inconsistent deferment dates, and the utilization ratios are incorrectly calculated, further affecting my credit. 

Legal Basis for the Dispute : Per Public Law 90-321, Sec. 603, and P.L. 90-321 Sec. 303, only the head of a state or local child support enforcement agency may pull a consumer report without express consent. As none of the disputed items fall under permissible use, I request their immediate removal. I have also opted out of reporting per 15 U.S.C. 6802 ( Gramm-Leach-Bliley Act ).

Thank you for your attention to this matter. I request a thorough investigation and the removal of the disputed items, as they are causing undue financial harm. Please provide written confirmation once the inaccuracies have been corrected.
Product: Debt collection

1. XXXX XXXX XXXX, XXXX, {$1500.00} 2. XXXX XXXX XXXX, XXXX, {$1200.00}. 
3. XXXX XXXX XXXX, XXXX, {$340.00} 4. XXXX XXXX XXXX, XXXX 5. XXXX XXXX XXXX, XXXX, {$9000.00} 6. XXXX XXXX XXXX XXXX, {$740.00} 7. XXXX XXXX XXXX, XXXX, {$570.00} According to 15 USC 1681n ( a ) ( 1 ) any damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} I want XXXX XXXX per violation
Product: Vehicle loan or lease

I just started a new job a few weeks i had asked kia finance how much i needed to pay to stop the repo they refused to tell me anything so i made my normal car payment in hopes to prevent it but they decided it was not enough and they came in the middle of the night to repo the car and now will not return the car or the funds so i can get another one
Product: Mortgage

Approximately XXXX years ago, I refinanced my XXXX XXXX mortgage loan through Loan XXXX Working under the assumption that all prior obligations were settled in accordance to established guidelines, I resumed regular payments as agreed. 
Much to my dismay, I was subsequently served notice that a particular attached debt incurred during covid pandemic had NOT been addressed, leaving me holding the proverbial bag for approximately XXXX  which was due immediately and not available to me at the time. 
Consequently, my credit scores and home equity suffered greatly as this development was totally unexpected and seems to be the product of some sort of legal malfeasance.
Product: Vehicle loan or lease

The lease to my XXXX XXXX was up XX/XX/XXXX. I decided to keep the car so I financed it with XXXX XXXX and the contract was signed XX/XX/XXXX and gave a {$2000.00} down payment. The check was cashed on XX/XX/XXXX. XXXX is now aggressively contacting me stating that I failed to return the car and owe them over {$2200.00} due to not returning the car. The worst part about everything is that my credit score dropped over XXXX points. As per XXXX XXXX I was to send a letter to XXXX stating that it wasn't my fault and that it was miscommunication between XXXX XXXX and XXXX headquarters, basically I had to fix my own problem. XXXX XXXX also stated that they were going to cover all fees being charged. I spoke to XXXX today from American Honda and she stated that no one from XXXX XXXX has contacted them. This situation is causing a lot of stress and anxiety. Going from a lease to finance should be a smooth transition instead it is causing me a lot of problems that affect future purchases due XXXX quickly taking action on my credit score which can take years to build but they were quick to drop. Attached you will a copy of the cashed check and the letter XXXX XXXX asked me to send. The letter was sent out last Friday XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, these creditors XXXX, XXXX, and Transunion are violating my rights under XXXX5 usc 1681 section 602 which states I have a right to privacy and 15 usc 1681 section 604 ( a ) section 2 states a consumer reporting agency can not report furnish an account without my written instructions. Under 15 usc 1666 ( b ) a creditor may not treat a payment on a credit card account under an Open end consumer credit/revolving plan as LATE for any purpose.
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report. 
Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made.

Enclosed is a copy of my identification to verify my identity.

I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am appalled by the ability of the Credit reporting agencies to do nothing, NOTHING AT ALL, to remove the disputed fraudulent items reporting on my XXXX and Equifax Credit reports! Upon receiveing a copy of my updated Credit report from XXXX, I hurriedly compared the updated report to my previous report to see if there are any changes at all. I was disappointed to see no change at all! There were no removal neither correction of the status of the disputed items! I have read enough to understand my rights and under the Fair Credit Reporting Act, the XXXX XXXX XXXX must comply to remove the disputed items that resulted due to identity theft. But in my case, I see here that the Credit Bureaus are negligent of their duty and continued reporting these items without proper verification which is a clear violation of the Federal law FCRA section 605b. Once again, I never received anything neither benefits due to my identity being stolen. I need the disputed items deleted completely from my Credit report! 

XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$6200.00} XXXX XXXX  XXXX Balance Owed : {$5600.00} XXXX XXXX XXXX XXXX Balance Owed : {$14000.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$17000.00}
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/XXXX  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 don't have no purpose to belong my credit 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 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 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 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 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 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 card or prepaid card

Hello, On XX/XX/XXXX, I went to a Local TD Bank Branch to withdraw money from their ATM. I was using a XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX card that costs {$50.00} dollars. This card was swallowed by the ATM due to unknown technical issues. The Bank Branch that I was visiting had workers inside and I asked for their assistance, not only did they show complete disrespect, they also only gave me the number of the ATM service company which was no help as they told me only the Branch has any power when it comes to contacting the ATM Service. Now I am unable to withdraw money without paying an additional {$50.00} however I want my card back as there simply is nothing wrong with it.
Product: Money transfers

I sent {$10000.00} to XXXX supposedly for the purchase of securities that were to generate me a monthly return. I was to send {$35000.00} total but I choose to do it in installment in the event this operation was a scam. The reason I was trusting was that I was making money initially with doing binary trading and would receive my withdrawals when I submitted them. I decided to close out my account and get my money back but the company is not responding to my phone or e-mail request. I had over {$17000.00} in my account in addition to this {$10000.00} wire transfer I did on XX/XX/2016 from my checking account at Key Bank.
Product: Credit card or prepaid card

We are writing to obtain assistance in receiving a refund of money paid to Comenity Bank ( XXXX XXXX XXXX, XXXX, OH XXXX ) to settle an account. Most of the particulars are in the attached letter to Comenity ( XXXX ), and we would ordinarily give them time to respond. However, they have been less than responsive in spite of numerous telephone inquiries, and we have no reason to believe they will change their stance. 

In addition, we are concerned this may represent part of a pattern of delay designed to reap extra late fees for the company by not promptly crediting payments and/or crediting them to the wrong account. Both are documented in the attached correspondence ; we dont know if this is a singular occurrence, or if it involves many other customers. 

Since opening the account, we have noticed several attempts to charge interest and fees in spite of paying her account timely. This has been due to late crediting of payments and failure to honor terms of the rewards program in which she is enrolled. Indeed, during the last month, the company imposed {$10.00} in interest charges in spite of a XXXX balance at the close of the previous statement ( see XXXX and XXXX ) We are submitting evidence that our bank has paid the items in question ( red arrows on document XXXXg ). That document is from the banks website ; we do not as yet have an account statement. We will give permission to confirm payments with the bank. 

Our biggest concern is with the series of events documented in our letter to Comenity. We think they may have purposely delayed crediting our check payments to collect additional late fees and interest. Thinking the checks lost, we initiated payments at the last minute on the banks website to avert such fees. However, when the bank found the checks, nearly a month after the first one was mailed, we were left with a substantial overpayment, which wed like refunded. 

In addition, the bank claimed not to have received XXXX of the payments, until, after hours of fruitless discussion, a XXXX discovered it had apparently been credited to the wrong account. 

We are asking for you to investigate to assist us in getting our money back. We also ask for you to see if you have a pattern of complaints involving other customers of this bank.
Product: Checking or savings account

On XX/XX/XXXX, I was victimized by a scammer who promised to offer me a government grant scam and he was asking me to open multiple bank accounts and the accounts I opened were Chase and XXXX  XXXX XXXX. After I opened the accounts, the scammer instructed me to give out my login information to make fraudulent deposits in order to pay delivery fees and taxes to get my government grant funds. Then 24 hours after XX/XX/XXXX, Chase and XXXX  XXXX XXXX freezed my accounts and I was not aware of what was going on until XX/XX/XXXX when my parents found out. I called Chase in early XXXX to figure out why my account was locked and although, I'm thinking that I'm doing legitimate business but after finding out, I wasn't and I have been scammed and defrauded. The scammer deceived me through XXXX in whom I thought was someone from XXXX but when I went to my new XXXX XXXX  's XXXX account, her old page got hacked and compromised. The same scammer that compromised and hacked into my old XXXXXXXX XXXX XXXX XXXXXXXX account is the same person who scammed me out of {$10000.00} and defrauded my bank accounts with Chase, XXXX  XXXX XXXX, and XXXX XXXX as well. 

As of XX/XX/XXXX, Chase put a stupid permanent restiction on my profile and I truly had the desire to do business with them but now its ruined because a stupid scammer deceived me and I got deceived into this government grant scam that he perpetrated and I was not aware of this matter. I have contacted multiple Chase bank representatives from Loss Prevention, Customer Claim Support, Account Services, went into a physical branch, and even contacted the XXXX  Office and none of them decided to help me out into re-establishing my banking history with Chase. Chase Bank itself is very XXXX, cruel, and doesn't care about people like me that is trying to refix and re-establish my banking history. Nobody deserves to be scammed and nobody deserves to have their bank profile restricted all because of a bad mistake in a situation that they were unaware of. Chase Bank should and needs to forgive me, give me the opportunity and options to open a new checking account, and to re-establish their banking relationship with me. Chase bank needs to start caring about people that's trying to re-establish and refix their banking history. Therefore, Chase bank went way too far with this and they need to get me off of Early Warning Systems and they need to give me the opportunity to open a new checking account with them. However, XXXX  XXXX XXXX, XXXX, and XXXX XXXX  gave me the option to bank with them but not Chase bank? What the bank ( Chase ) did was wrong, cruel, XXXX, and they discriminate against me of who I am as a person with a developmental XXXX. Therefore, they should forgive me, re-establish the banking history with me, and give me the opportunity to open a new checking account with them. I'm very fed up and angry with the bank for their cruelty and mistreatment towards me and towards my name. They need to forgive me and allow me to open a second chance checking account with them.
Product: Debt collection

XX/XX/2012 {$1300.00} I have requested this account to be removed. This is an result of fraud
Product: Debt collection

I moved out of an apartment, and 2 years later started receiving calls and emails from this company claiming I owed {$10000.00} for accelerated rent after I moved out of the apartment. 

This is not true, and is illegal. I gave the apartment manager the required notice and was told I would not pay any additional fees because someone else would be occupying the apartment shortly after I moved out. New tenants did move into the apartment only 10 days after we moved out, thus ending the lease agreement. 

So this company is attempting to collect 6 months rent for an apartment that was already being rented out. This is not legal and is harassment. I attempted to explain this to the debt collection agency but they told me it was up to me to provide the 'burden of proof '. 

It is the responsibility of the debt collection agency to make sure that the debt they are attempting to collect is both legitimate and legal. They could easily obtain this information by a simple phone call. 

This collection has already appeared on my credit report and is negatively affecting my credit score. Attempting to resolve it has taken time away from my work and family. I demand that this be immediately withdrawn and the company be more diligent in the future to make sure that they are operating according to the law.
Product: Checking or savings account

I received a letter from Citizens Bank dated XX/XX/XXXX on XX/XX/XXXX, attempting to collect a negative balance of {$260.00} in my checking account XXXX. This amount is entirely made up of bank fees and overdraft charges created by a creditor debiting my account without permission or authorization. I have notified the bank by phone and mail about these circumstances, but have not received a positive response. 
I respectfully request that Citizens stop their collection process. I have been a customer of Citizens for 20+ years. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA., XXXX XXXX XXXXXXXXXXXX