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

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 

These fraudulent credit inquiries made by the following companies : Inquiries : 1. Equifax Mortgage Ser on XX/XX/XXXX 2. XXXX XXXX on XX/XX/XXXX 3. Equifax Mortgage Ser on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 

I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the accounts and inquiries listed below due to my status as a victim of a data breach. This request is made pursuant to the Fair Credit Reporting Act ( FCRA ) 605 ( b ) and 15 U.S.C. 1681c-2 ( a ), which provide protections for individuals in cases of fraudulent activity.

Please find the accounts and inquiries in question listed below : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Vehicle loan or lease

I am filing a complaint regarding Teslas refusal to credit or transfer the premium connectivity subscription I purchased for a leased vehicle. The subscription was purchased on XX/XX/XXXX, for {$99.00} plus California sales tax, bringing the total to {$100.00}. The subscription is valid until XX/XX/XXXX. 

I returned the leased vehicle on XX/XX/XXXX, at the solicitation of Tesla, who offered incentives to end the lease early and move forward with a new lease. However, Tesla is refusing to credit the remaining months of the subscription, which runs until XX/XX/XXXX, and has stated that I can not transfer the remaining subscription to my new lease. This leaves me with unused months for which Ive already paid. 

Additionally, in order to use the full functions of the car, we are forced to purchase this premium connectivity, making it a necessary service for optimal vehicle usage. 

This situation is unfair and unreasonable, as I paid for a service I am unable to utilize. I am seeking a resolution in the form of either a credit for the unused portion of the service or a transfer of the remaining subscription to my new lease. 

Thank you for your attention to this matter.
Product: Debt collection

I went for a physical exam to the XXXX XXXX in XXXX KS. I paid the amount owed ( {$59.00} ) while theyre back in XXXX. Last month i received notice i was being sent to collections. i confirmed with my bank that the amount was paid on the day of service. I have called the XXXX XXXX several times and they continue to state that they havent gotten to it yet I only have XXXX days left before they submit to collections and hurt my credit for a debt i never owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require XXXX and TransUnion to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXXXXXX Balance : {$12000.00} ; XXXX XXXX XXXX XXXX XXXX : {$2800.00}
Product: Credit reporting or other personal consumer reports

I have recently reviewed my credit report and I have noticed several late payments on XXXX XXXX XXXX XXXX XXXX Account # XXXX. Transunion- XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to the Fair Credit Reporting Act 15 USC 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, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. According to the the Fair Credit Reporting Act 15 USC 1681i ( 2 ) ( A ) ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; According to the Fair Credit Reporting Act 15 USC 1681s-2 ( a ) ( 1 ) ( F ) - The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period. This account is on automatic draft and no payments have been missed. I am trying to get a home for me and my family and these late payments are causing me to be denied and in cases that I am approved with an extremely HIGH interest rate. See attached Consumer law attached
Product: Credit reporting or other personal consumer reports

I have not applied for auto loans from these companies and would like to get a wet signature of whomever did. I would like this removed as well as my incorrect name and address on my personal credit report.
Product: Mortgage

Hi! I am a real estate agent. My buyers applied with XXXX XXXX at OVM Financial powered by XXXX XXXX XXXX XXXX on XX/XX/2023. We ratified on a home on Sun, XX/XX/XXXX. My buyers formally asked for an official Loan Estimate to be emailed four times over the past 3 days. 

The loan officer XXXX XXXX ( XXXX : XXXX ) and his superior the VP of Sales XXXX XXXX ( XXXX : XXXX : XXXX ) both refused to supply a loan estimate because they didn't want their clients to use the loan estimate to shop around for a better deal. This is a basic consumer right, especially in this environment of high interest rates. 

XXXX called and texted my clients promising he could be the best deal, but refused to actually put it in writing after several requests. Eventually, he point blank refused to work with my clients after they had already completed their application. This is beyond unprofessional and demonstrates a serious lack of transparency. He is asking for trust from his clients without being forthcoming himself.
Product: Credit reporting or other personal consumer reports

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. 
These are unauthorized and dont belong to me 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
I looked at my Transunion credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate and with out my knowledge. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( eXb ).

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) n generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed ( A ) in generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be venfied, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modity that item of information, as appropriate, based on the results of the reinvestigation ; and prompty XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX been moomed or deleted from the file of the consumer. 
and according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I ended up at this practice, XXXX XXXX, because of its great reviews, but didnt know Id end up with the surgeon who I later found out had all of the bad reviews associated with the practice. They also went out of their way to hide the bad reviews. 

XXXX was the credit card suggested by the business. XXXX immediately suspected fraud and wouldnt allow XXXX XXXX or XXXX XXXX to make the charge. I, wanting no problems with the doctor with my care in his hands, sided with the practice and told XXXX that they were trust worthy, vouching for them against XXXX research. I didnt know at the time that the business was actually closed. 

XXXX XXXX failed to answer many questions before XXXX and never showed me what was to be done. There was no use of markers on my body or anything pre-op to give me a general idea. Instead, it seems he just went in and made decisions as he went. He seeemed to continue this practice post-op, taking vacations shortly after my XXXX and even appointing someone else to remove my XXXX  because he wasnt present. 

After a very short amount of time it was clear what he did was clearly a botched XXXX, but dismissed my claims early on and told me to wait 9 months before talk of corrections. He would repeatedly dismiss all of my concerns saying youre young, youre healthy, dont worry. By the time 9 months came, he had been fired from the practice I saw him at. 

Im now left with what the practice concludes is a XXXX and a XXXX. I had many complications in my XXXX area, including an XXXX  that had found its way through my XXXX muscles. I had no idea and it could have been found early had XXXX XXXX and XXXX XXXX himself followed up with the post operation care I should have gotten. I paid for XXXX and follow up and got a mediocre XXXX with minimal follow up. 

I paid the majority of the debt but refuse to pay for the rest. I told XXXX that they were right and paid them the part for the XXXX but didnt pay for the follow ups I never got. They continue to call and sent me to collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION ARE REPORTING ALL OF THE ITEMS ON MY CREDIT REPORT THAT DOES NOT BELONG TO ME AND I HAVE REACHED OUT AND ASK THAT THEY BE INVESTIGATED AND REMOVED. 

XXXX XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX Finance ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX NA ( Bank ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX ( Bank ) XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXX XXXX ( Home shopping ) XX/XX/XXXX XXXX ( Bank ) XXXX XXXX, XXXX XXXX XXXXXXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Auto ) XX/XX/XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am added on a credit card with Navy Federal as an Authorized User I have no idea who the card belongs to or who this person is. Ive been trying to get Navy Federal to remove me from this card and this account from my credit report for over a year now. The only information I have for the account is Account number XXXX. Thats it. 


Please remove this account from my credit reports as I do not know this person, I do not know how they have access to my personal information and I do not know how a card was issued and I was added to this account without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my credit report I notice a late payment that decreased my XXXX XXXX by XXXX plus points on XX/XX/2022. According to 15 USC 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 '' Discover is in violation of the FCRA, and can not report late payments according to the fair credit reporting act. I demand that discover remove the late from my consumer credit report or I will move forward with legal actions.
Product: Debt collection

The company is reporting fraudulent inaccurate information on my credit report to XXXX XXXX XXXX. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below have 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 XXXX XXXX XXXX XXXX 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 have ALL 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, in an attempt to transfer money from my XXXX  XXXX XXXX account to my Citi Bank savings account, I accidentally sent a bill pay check for {$19000.00} to a very old Citi Financial Retail Services account that was linked to my XXXX  XXXX XXXX account over 16 years ago. Citi Bank received and deposited the check on XX/XX/XXXX into an account that no longer exists. 

Between XX/XX/XXXX and XX/XX/XXXX, I called Citi bank and Citi financial Retail Services numerous times for help, but they keep telling me that the account referenced on the check is not an existing account and therefore there's nothing they can do to help. 

XXXX  XXXX XXXXXXXX XXXX  XXXX XXXX department has also been involved and they have reached out to Citi Bank, but no one at Citi bank or Citi financial services has been able to help. 

The check should have bounced since it was to a closed citifinancial retail services account, but somehow the check was deposited into a Citi bank account. 

XXXX XXXX XXXX has provided me with a back and front copy of the endorsed check that Citi bank deposited, somewhere.
Product: Student loan

I 've reviewed my statements from Navient for the life of my loans. They have added interest and charged interest rates while I was on Deference that they are unable to explain, justify, or give an account for. This has added to my debt and has prevented me from repaying the principle payment down, as my interest payment is higher and/or more dedicated from my payments to my loans per month, even with a 3.5 % interest rate. In addition, while I have taken several Forbearances on this loan, I specifically asked a Navient Representative if I can re-apply for a deferment where my XXXX of my loans does not accrue interest. I was told that program ( non-interest bearingDeferment ) does not exist any longer and have been misled into interest bearing forbearance. I have attached the documents necessary to show the odd and predatory interest rate charges that do not adhere to mathematical or ethical standards for the life of this loan. 
This is a predatory lender and they steer into interest accruing forbearance to keep the lender in debt for longer periods of time. My circumstance for the forbearance allowed for an actual deferment, not interest bearing forbearance.
Product: Checking or savings account

Navy federal took money in the middle of the night out of my savings account and paid it towards an unpaid balance for car loan. They have reverted the payments before but now that my car is not in my possession they say they cant and its in the policy. I did not see it on the policy and they could not prove that. We was on a recorded line.
Product: Credit reporting, credit repair services, or other personal consumer reports

All the following credit bureaus are reporting erroneous information in regard to my credit report : Transunion XXXX  XXXX XXXX XXXX I, XXXX, is showing up on all the major credit reporting agencies as a judgment, when this debt has been paid in full, please see attached documents submitted. 

XXXX XXXX - is still on my report as a collection, when this was submitted to the bureaus as fraud. I disputed this on every major credit reporting agency, however they refuse to take this off the report. 

To my understanding it is being reported as closed, so this should not be reporting on my report. 

XXXX XXXX - is still on my report as a collection, as a Payday loan, I reported this as fraud also with all of the major reporting bureaus however they refuse to remove this item.
Product: Checking or savings account

Starting XX/XX/XXXX at XXXX I applied for a credit card with Capital One after getting approved and notified that my card was on the way I was prompted to log into an account that was fraudulently setup in my name XX/XX/XXXX. I explained that this accounts was not me and expressed that I need the account completely closed so that way I can make my own account. They stated I can not do that at the time due to customer protection not being opened. The next day at XXXX XXXX I gave them a call and spoke to the department explained the situation expressed I need to be able to log in to pay things like for the credit card I just signed up for. They stated they cant provide me with a log in or any information in reference to the account even though I gave them my full social security number to pull up the account as well as my first and last name. They refused to give me the information about the account as well as would not even provide with the last name of the people I was speaking with. That afternoon I went to my local sheriffs department gave the deputy authorization to speak on my account and they gave information, but only the last 4 of the account numbers and that in XXXX hours my account will be closed and I can recreate one to access my credit card that I just applied for. The next day on XX/XX/XXXX I called in before attempting myself they stated it was all ready and I can create another account. This is information was false as well as they kept changing when my account where closed during this process. They told me I have to wait another 24 hours and gave me the same explanation the past 2 days. Frequent told them about the situation and how all this is going on. Today I spoke with a manager he laughed when I asked to speak with his supervisor due to managers not assisting me then stated he will be the highest I can speak to. He told me he would get me transferred to a department that can assist me a voicemail played that said due to the status of your account we cant assist you and then it hung up.
Product: Credit reporting or other personal consumer reports

I am a XXXX  of Identity theft and this account was reported on my credit report and is negatively impacting my account. Please update this information and have it deleted immediately. 
The accounts are as follows : XXXX XXXX XXXX XXXX XXXX I also have the following inquiries that is a result of identity theft and are the following : XXXX XXXX XXXX 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 or other personal consumer reports

My credit report is showing incorrect info. I'm growing more frustrated as nothing is getting resolved. My name and customer statements are wrong and i wish them to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reported incorrect information for the credit reporting for the month of XXXX. Credit card limit of XXXX dollar limit was reported 3 times in one month causing my score dropped significantly. The XXXX dollar credit card was at q XXXX balance and reported on XXXX XXXX and was not reported. inaccurate information was reported on both credit cards after a dispute was submitted on XX/XX/2022.
Product: Credit reporting or other personal consumer reports

This account was charged off on the followin date 2020 Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account shouldn't include an active payment history. This inaccurate information falsely manipulates the statute of limitation. Please investigate this account properlyafter I asked you to do it TWINCE and your neglect has violated my rights. I am demanding a deletion of the following account XXXX  aacount number : XXXX Attached is a letter sent by XXXX so that the negative can be removed or the account can be deleted.
Product: Debt collection

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX  ) XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted.