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

In XX/XX/XXXX, I purchased a vehicle from merchant XXXX of Downtown LA. I have not physically been on the premises since at least XX/XX/XXXX, and only to service the vehicle. 

On XX/XX/XXXX, a " hard inquiry '' on my credit was placed by this merchant without my authorization. Upon contacting the merchant, who gave me the run-around for 6 months, the best that they can tell me is that this inquiry was placed due to a " computer glitch. '' The merchant stopped taking my phone calls, so I had to physically go to the merchant 's location and angrily compel them into producing for me a letter admitting that I did not apply for credit there or authorize a credit inquiry into my account from that location at the time in question. 

I submitted the letter from the merchant to Equifax with my dispute of this " hard pull '' on my report. Equifax denied my dispute, and responded that I will need to have the merchant contact them directly. The problem is, the merchant does not care. I literally did nothing, the merchant took adverse actions against my ( with or without intent ), and now Equifax wants me to somehow force this same merchant who hurt me, to call them directly and help me. 

I explained to Equifax that the merchant has been unhelpful, and that it made no sense that their process allows me no possible way to remove improper inquiries from my credit report without the assistance of the merchant who made the improper inquiry in the first place. 

This is ... ..wrong. Please help. 

Please note that in the letter from the XXXX dealership which I've attached, they made a typo, stating " XX/XX/XXXX '' instead of " XX/XX/XXXX '' - the latter being the correct date. There was only one inquiry from this merchant around the time in question, so the mistake is clear.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account information was found to be invalid. Account was removed years ago after validation then reappeared XX/XX/XXXX. I have not had a XXXX  account since XX/XX/XXXX. Debt does not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Student loan

Beginning in XXXXXXXX XXXX XXXX, Sallie Mae began requesting payment for my student loan even though I was in school. I contacted them in XXXX XXXX XXXX to tell them that I was in school and should not be making payments and in deferment. I left school in XXXXXXXX XXXX XXXX. During this entire period of time, I was in a graduated repayment plan that I never signed up for. I explained this to every single representative I spoke with between XXXX XXXX and XXXX XXXX but no solution was brought forward and they told me I was stuck in the plan, even though I never signed up for it. On XXXX XXXX XXXX I spoke to my direct loan counselor, who informed me that I may qualify for an internship deferment plan since I have to do it in order to get my certification. I submitted the documents to them on XXXX XXXX XXXX. I got notified that on XXXX XXXX XXXX that I do not qualify for the internship deferment program because I am already in deferment. I do not understand how I am already in deferment, but they are requesting payments from me every month. I also do not understand why I am signed up for a payment plan according to them that I did not sign up for.

Aside from all of this occuring, my family and my husband 's family, who are not mentioned on the loans are being continuously contacted by salliemae even on the days I speak with them directly. This is unethical and illegal. It has become harrassment at this point because my family members and my husband 's family member have been blocking notorious numbers from them calling ALL THE TIME.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I request that you block and delete all accounts associated with this breach, as per my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Below are the affected accounts and inquiries that I request to be blocked and deleted : ACCOUNTS : 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 XXXXXX/XX/XXXX
Product: Debt collection

I did have a XXXX account quite some time ago ... maybe 3 or 4 years ago but the amount being reported on my credit is inaccurate and I asked about it several times but ca n't get the amount verified fully.
Product: Credit reporting or other personal consumer reports

In accordance with the Federal Credit Reporting Act, this creditor has violated my rights. On the 15USC1681 Section 602 states I have the right to privacy.

5USC1681 Section 604a Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions.

On the 15USC1666b, 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: Money transfer, virtual currency, or money service

I have a PayPal account with {$740.00} that I cant access.XX/XX/2021was the last transaction I was able to make. After that they froze my account saying I can I longer use PayPal and that I have to wait 180 days to get an email informing me how Im supposed to be able to access my money.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX ( XXXX XXXX XXXX ). Open account was {$690.00} paid in full as of XX/XX/18 Got the attached letter it was paid in full as of XX/XX/18. 

Contacted XXXX XXXX as they are the primary account holder and the above are a 3rd party. 

XX/XX/18 Contacted an agent named XXXX ( XXXX ) at XXXX XXXX central time requesting that once they received the payment in full that a deletion letter will be sent out. It was confirmed on the phone by XXXX that yes once the account was paid in full that it would be deleted from my report. 

XX/XX/18 XXXX XXXX XXXX at approx XXXX central time and he told me that is not the process of how this works that it would be just a paid in full. I asked if he sees the notes on the account that agent gave incorrect information. He said that he would have to transfer me to her supervisor. I asked about the notes on the account and they said they conflict with the policy. I asked well that was not what I was told and then he tried transferring me to a supervisor named XXXX XXXX. Calls was disconnected and she called me back at approximately XXXX central time. She had all my information pulled up already. She said on XX/XX/18 that the information was the true information given and told me that I should know the policy. I replied back that I do no know the policy as XXXX told me on XX/XX/18 that a letter of deletion would be given. She told me XXXX gave me inaccurate information. This is not my fault as I do not know what the policy is. And because I was given this information from XXXX and I have it noted of the date & time of the call and possibly notes on the call that this should be honored. I also asked for a transcript of the call and XXXX was unable to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX XXXX XXXX  ] Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$1700.00} PORTFOLIO RECOVERY ASSOCIATES Date opened XX/XX/XXXX Balance {$900.00} PORTFOLIO RECOVERY ASSOCIATES Date opened XX/XX/XXXX Balance {$2300.00}
Product: Checking or savings account

XXXX XXXX in person in store by check. The check was deposited a second time by XXXX bank ten days letter and cleared by Bank of America. Filed dispute with BoA and received letter stating " no adjustment is due '' when this was clearly their fault. Even wrote XXXX XXXX XXXX and got no response.
Product: Mortgage

On or about XX/XX/XXXX, while in the middle of the States lockdown order by Governor XXXX, I was notified on my front door with a foreclosure sale notice. Since then I have been having nightmares regarding the loss of my house where seven living family members reside with me at my home. Additionally, Im a mother of XXXX with XXXX of my daughters being a XXXX XXXX who is in the frontline of the war on Coronavirus. 

I sincerely believe that the banks irresponsible steps to serve the notice while we, as a nation, are going through COVID-19 crisis should be well disciplined. It is in fact a direct violation of Governors Executive Order to halt all foreclosure and eviction activities. Furthermore, Im in litigation with the lender in XXXX circuit court since XX/XX/XXXX ( XXXX XXXX ) and awaiting Appeals Court ruling on my case ; and with the court houses and government agencies being on a reduced staff, the bank is acting opportunistically to foreclose on my home when they in fact know that I can not file any sort of automatic stay with the courts while were in this Coronavirus pandemic. As a US citizen with Homeowners rights, I ask your office to investigate this matter and put a halt to the bullying and harassment actions by the bank ( clearly demonstrating that they are above the law ) and reverse course with their foreclosure action. I also appreciate you providing appropriate resources that I can use to formally file my complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several items reporting inaccurately on my credit file. Please remove the following items : Incorrect Personal Information : Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX XXXX  Address : XXXX XXXX XXXX ( XXXX ) Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX  ) Address : XXXX XXXX XXXX ( Equifax ) Address : XXXX XXXX XXXX ( Equifax ) I was never late ( 30, 60, 90, or 120 days ) on the following accounts : XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$500.00} ( XXXX & Equifax ) XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$19000.00} ( XXXX, Equifax, XXXX ) The following account is the result of Identity Theft : XXXX/XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) ; Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$0.00} ( XXXX & Equifax ) XXXX/XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$2200.00} ( XXXX & Equifax ) XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( EQUIFAX ) Bal : {$0.00} XXXX XXXX XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX & Equifax ) ; Bal : {$0.00} XXXX - XXXX - Date Opened : XX/XX/XXXX ( XXXX ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$2800.00} XXXX XXXX XXXX ( XXXX ) - Date Opened : XX/XX/XXXX ( XXXX  ) ; XX/XX/XXXX ( XXXX ) ; Bal : {$130.00} XXXX XXXX - XXXX XXXX - Date Opened : XX/XX/XXXX ; Bal : {$260.00} ( XXXX ) XXXX XXXX - XXXX Bank - Date Opened : XX/XX/XXXX ; Bal : {$260.00} The following are unauthorized Inquiries : CreditPlus ( 6 times ) Equifax ( 2 Times ) ; XXXX ( 2 Times ) ; XXXX ( 2 Times ) XXXX/XXXX ( EQUIFAX ) XXXX XXXX ( XXXX ) XXXX/XXXX ( 2 TIMES -XXXX ) XXXX XXXX ( XXXX ) XXXX/XXXX XXXX ( XXXX  ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX ( XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion, XXXX, and XXXX is committing FRAUD and they've failed to remove the inaccurate accounts on my consumer profile which is causing me harm, stress, and damaging my consumer profile. 

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXX : # XXXX - XXXX XXXX : # XXXX TransUnion have 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 1681c. ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more that seven years. 15 U.S.C 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The information listed above appears on my consumer report but I did not make or approve of these transactions. 

XXXX, XXXX, and TransUnion are also committing FRAUD because according to 15 USC 1681a- ( 2 ) ( i ) - ( Exclusions ) Transactions are to be EXCLUDED from my consumer report. 

Please also remove the accounts listed above from my consumer report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. The Fair Credit Reporting Act REQUIRES you to remove the INACCURATE and FRAUDULENT information on my consumer report, resulting from Identity Theft within four business days and to promptly notify the businesses that sent you that information. 

Furthermore, I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v Graves ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

As stated above, please delete all inaccurate accounts immediately. 

I have enclosed a copy of the accounts listed above, highlighted with the inaccurate information from XXXX XXXX that's being reported on my consumer report, and an identity theft report.
Product: Debt collection

I had a few accounts with XXXXnavient that were taken out during my XXXX studies between XXXX I have a few issues, XXXX being that my identity was stolen and an ex friend stole my personal information and cosigned a loan verbally/electronically and I do not feel I should have to pay that specific loan but when I spoke to XXXX XXXX about this. They stated that it 's more or less my problem. Recently I 've been getting calls on my phone from XXXX stating that they are seeking to get payment for my navient student loans. I did not answer initially not knowing it was them. Then Wednesday my manager says that I have a call ( I work XXXX ). I answer and it 's the same company XXXX. I asked them " why would you ever call my job and basically risk my job '' and her response was " we were trying to reach you by cell and you did n't answer '' I stated I no longer want calls to my job because I received a verbal warning from my employer for receiving a personal call. Out of fear of embarrassment I did n't state it was a debt collector. I called back later that day and discussed some options with them. XXXX being buying the debt out for a percentage of the debt. I inquired with her if this " would cover all my navient debt or not '' and she stated she did n't know. So I asked how could she not know being navient sold her this debt and again her response left much to be desired. The sum I owed was in excess of {$6800.00} with the settlement being {$2500.00} and when I stated I make {$110.00} a week she said " you can always ask friends or family ''. The conversation ended soon after that. Yesterday I called them and asked for verification of the debt in writing as I do not want to pay {$2500.00} and in a few weeks have someone else claim to now own this debt. She stated once I pay they will send me the paperwork that states the " debt is paid off '' and I said that I refused to pay until there is something more tangible for me to ensure for my records prior to handing them a check that this is legitimate. And her reply was " you ca n't get what you want, this is how it goes ''. Something along those lines. To which I hung up. I want to do this the right way and between calling my job and then not providing any notice that they actually own my debt and this will make this debt go away aside from a phone conversation. I feel I do not have to pay them.
Product: Checking or savings account

a six year old check ( XX/XX/XXXX ), was deposited in a XXXX XXXX XXXX in Florida, XX/XX/XXXX and taken out of our BB & T bank, XXXX, Pa. without our authorization. 
We have a Fraud case NO. XXXX with BB & T. We have tried to find out what is happening ( as we froze this checking Acct. ) and have no answers from anyone. 
XXXX XXXX from BB & T ( XXXX, pa ). is handling our Case. XXXX. We were in this XXXX XXXX office XX/XX/XXXX and could n't see her. She called us the next day saying she was going on vacation and XXXX would find something out and call us this past week To this day no response. A relative in Florida lost this check and we feel we voided it as it was XXXX XXXX XXXX in XX/XX/XXXX, and replaced the check. We are long time customers at the XXXX, Pa. Bank. We appreciate whatever you could to help us. 
Thank You XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/XXXX. I saw some hard inquiries that did not have permissible purpose. These inquiries are not associated with any open trade lines that I have. 

XXXX. XXXX XXXX XXXX on XXXX/XXXX/XXXX : XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXXE on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX These inquiries have no permissible purpose to be on my report. Delete them due to violation of 15 USC 1681b
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally request the removal of inaccurate and/or outdated items from my credit report, which I believe are negatively impacting my credit profile. After a thorough review of my credit report from your agency, I have identified several items that require immediate attention and deletion. I have provided the details of the disputed items along with explanations of the inaccuracies, the information reported for the above-mentioned account is inaccurate and does not reflect the current status of the account. I have enclosed supporting documentation that validates the correct information. I kindly request that you investigate this matter and remove the inaccurate items from my credit report as required by the Fair Credit Reporting Act. I have enclosed nor attached my documents in my letter. I understand that it is your responsibility, as per the Fair Credit Reporting Act, to conduct a thorough investigation within 30 days and to inform me of the results. I respectfully request your prompt attention to this matter and a timely resolution. Please provide me with a written confirmation of the removal of each inaccurate and outdated items once the investigation is complete. I also request an updated copy of my credit report reflecting the corrected information. Here are the following fraudulent items that are needs to be remove : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.