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

I am writing to formally dispute the unauthorized inquiries listed on my credit report, which are fraudulent in nature. Despite my multiple correspondences with your bureau and the submission of the required XXXX  Identity Theft Report, these inquiries remain on my credit file. 

As a victim of identity theft, I have taken all necessary steps to address this issue, including contacting the institutions associated with these inquiries and providing comprehensive documentation to substantiate my claims. Despite these efforts, your bureau has yet to resolve this matter satisfactorily. 
It is essential to note that the fraudulent nature of these inquiries has been confirmed by the respective institutions, and they have assured me that these inquiries were erroneous and should be removed. Furthermore, other credit bureaus have already acted on the XXXX  report and removed these unauthorized inquiries from their records. 

Therefore, I am perplexed and concerned by your bureau 's continued reporting of these fraudulent inquiries. This ongoing issue not only undermines the accuracy of my credit report but also causes significant distress and potential financial harm to me. 

According to the Fair Credit Reporting Act ( FCRA ), your bureau is legally obligated to conduct a thorough and reasonable investigation of disputes. This investigation must promptly review all relevant information provided by the consumer, such as myself. I urge you to reinvestigate these inquiries and remove them from my credit report immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX of 2022, I had done one transaction. The amount was {$21.00} through XXXX. I was supposed to have sent {$40.00} to a seller for some virtual items for a video game, but we were having issues getting the last {$20.00} to them so we had to use XXXX XXXX. The reason there is 2 transactions is because I had sent the money to a receiver that the seller told me to send the money to, but after I had sent it, said the receiver was having issues retrieving the money. They gave me another person 's information to send the money to. However, the seller never gave me the virtual items and I had to file a dispute with my bank- Chase. On top of this, the seller suddenly disappeared from social media so it wasn't as if I could easily get my money back. I explained the situation to Chase and they gave me temporary credit. Now, I was given a letter saying that they were going to remove this temporary credit on XX/XX/XXXX because they found no errors in that instance. The claim ID is XXXX or XXXX This also does not factor in that I got scammed yet again by who I suspect was the same person using a different name in the amount of {$21.00} via XXXX XXXX on XX/XX/XXXX. The Claim ID for this is XXXX. I have not received a letter yet but am not shocked if Chase reverses the credit by claiming that it was an authorized transaction as well. I still NEVER got ANY items. 

It is currently XX/XX/2022 at the time of me typing this out. Essentially, I am now out of the total amount of {$43.00}. I am very mad that Chase is doing this and I am demanding my money back.
Product: Vehicle loan or lease

I had an auto loan that was paid off in XX/XX/2020 in full, but the auto loan company has not stopped taking monthly payments that were on auto-pay when I first signed up. I have reached out twice to them - once in XXXX and XXXX. They had stated in XXXX it would be reimbursed, but I have yet to see any of what they have taken.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because inaccurate information is being reported on my credit file, including an incorrect bankruptcy record and accounts that are currently in litigation. These errors have negatively impacted my financial standing and are a direct violation of the Fair Credit Reporting Act ( FCRA ).

Description of the Issue : On XX/XX/year>, I identified an incorrect bankruptcy record appearing on my credit report. 
The bankruptcy information is inaccurate, and under federal law, courts do not directly report bankruptcies to credit bureaus. 
Instead, third-party sources gather this data, leading to reporting errors and misinformation. 
This inaccurate bankruptcy has remained on my credit file for years and continues to cause financial harm. 
Additionally, several accounts currently under litigation are being reported incorrectly, despite the fact that legal disputes are still pending. 
Actions Taken : On XX/XX/year>, I submitted formal disputes to Experian, XXXX, XXXX, XXXX, and XXXX XXXX, requesting the removal of this inaccurate information. 
I cited FCRA 15 U.S.C. 1681b and 1681e ( b ), which require that all credit report data be accurate, verifiable, and fairly reported.

I demanded the immediate deletion of the bankruptcy record because it was not reported directly by the courts and instead originated from an unreliable third-party source.

I also requested the removal of all accounts currently in litigation, as reporting them while legal proceedings are ongoing is misleading and unfairly damages my credit profile.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2016 I had several different accounts with Bank of America that were closed. When this happened Bank of America decided to report some of these accounts to XXXX XXXX XXXX. The problem is that some of the accounts being reported on XXXX XXXX XXXX does not belong to me. Bank of America has sent me correspondence that shows how many accounts I had with them and what those account numbers are, in total it was four accounts. I then ordered and received my XXXX XXXX XXXX Report and it had conflicting information on it that did not match the correspondence sent to me by Bank of America. According to the report, there are two account numbers being reported for me that are not present in the information sent to me by Bank of America. Therefore, I am asking for Bank of America to instruct XXXX XXXX XXXX to remove those two accounts off of my report.
Product: Payday loan, title loan, or personal loan

I have talked with XXXX at tower loan multiple times in XXXX XXXX to explain to her that do to the loss of my sons income and my fiance having to pay 40 percent of his medical expenses and me having to support myself and my XXXX family and we had to move to a more expensive place because our landlord wouldn't fix anything. I asked the guy on the phone and he advised me to pay on the 2 secured loans and let the unsecured go since we are judgement proof. XXXX called me a liar and said he didn't say that. XXXX told us file bankruptcy. We asked her to lower the monthly payment so that our family could afford food and medication. She refused. She also refused to take full payment on 2 accounts saying if we defaulted on 1 she'd sue us for all three keep in mind we are judgement proof and both XXXX  or XXXX XXXX. This has caused me to attempt XXXX and have XXXX. She also threatened us with jail
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off my Wells Fargo credit card on XX/XX/2020. As of today XX/XX/2020, my balance is still being reported as over {$6000.00} to CRAs.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to XXXX, a credit card I don't even remember applying for, my application was denied by Experian for the following reasons : " You have filed for bankruptcy and your previous account ( s ) with us was including in that filing. This includes any of your accounts issued by XXXX, XXXX, such as XXXX, XXXX, store cards, or gas cards. '' * I never had credit account ( s ) to me recollection with any of the above-referenced vendors. Although I did file for bankruptcy on or about XX/XX/1999, that bankruptcy was long discharged and should have no bearing on current credit applications. 

*According the Experian Dispute Center there are, at least two,  completely misspelled aliases to my name that have nothing to do with my account, are not aliases I or anyone with my authorization have ever used in the past in any financial transaction, and are so off from the correct spelling of my name that common sense can easily see the difference. However, the Experian online dispute center does not allow my to dispute these obviously false aliases. 

*The Experian dispute center shows several hard inquiries, including a XXXX XXXX in XXXX XXXX I have never visited, never contacted, or ever done business with, and no credit inquiry was approved by me. The same is true for an auto loan from XXXX XXXX with whom my wife had a previous auto loan with which was a very negative experience. They are the last lender I would ever authorize to do a hard credit check on my account. 

The result of Experian 's false, misleading, outdated, and completely erroneous credit history provided to potential creditors is defamatory, and injurious to my efforts to establish legitimate accounts with potential creditors and actively preventing me from improving my overall standing with those I do have. Furthermore, the limited access they provide to consumers make it nearly impossible to dispute or get this erroneous information corrected. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Equifax has a collection on my credit report that is not owed or ever was by XXXX XXXX XXXX. 

Attached is a copy that shows a {$0.00} Balance
Product: Checking or savings account

I have been in between different corporate jobs managing my own bank account independently ... I have been dealing with a very chronic trial and error issue. I use the Chase Mobile banking app and this issue may have been very chronic a few years ago and for some reason the scenario is back. I am repeatedly locked out of my chase mobile bank application for my phone. I do not use a browser just the application. Dealing with trying to make at least 1 claim that will match up to my complex identity issue, for some reason Chase will not make a claim for this issue over the phone. No tier, no ticket number, nothing. Just repeatedly call for the online support every week. I walk into my bank with problems ever since almost 2 months back this is happening every 3 days or once a week. This is a unresolved issue why cant I have a tier ticket? They took this up with back of the house and I am not given anything at all to what a resolution is. They will not take any of my police report numbers. If I use another bank I will not be able to have a family relationship that is convenient to me ... I am one person, I secure myself. It doesnt matter if I switch branches, the issue is a digital profile that is created off of my identity in a data base somewhere. I might even need a grievance with social security ... Either way, this problem needs a remedy. I am literally dealing with this every week. I was able to see on the screen shots they printed that I am being continuously executed in a link. There should be ways to report this to a clearing house and make that stop ...
Product: Vehicle loan or lease

I had bought out my lease and financed it thru chase bank XXXX years ago. Never received my title. Car was taken off the road and I need to register it and get plates for it. Ive call chase on XX/XX/XXXX asking for my title or permission letter so I can register my car. Ive called almost everyday since then and asked for supervisors, everytime I call one person tells me forms were mailed out, another its still being reviewed. My last call I wanted this situation escalated and to speak to a higher up, the said they can only leave them a message to call me back. Its been XXXX weeks, no forms were receive, no call back and no title. I need my car on XXXX XXXX. XXXX is a no holding title state!
Product: Student loan

I have consolidated with XXXX XXXX that turned into Navient. I have been paying on their based on income, which is OK. The problem is that the interest has jumped to XXXX dollars since the loans have been consolidated. Now answer this question how are I ever going to pay this back
Product: Credit reporting, credit repair services, or other personal consumer reports

These were company cards, not a personal account. The credit cards were opened by my company XXXX XXXX XXXX, XXXX. Once I closed the business in XX/XX/XXXX, the cards were inappropriately put on my personal credit report. I hired a lawyer in XX/XX/XXXX to contact Capitol One. Capitol One was not able to prove I was a personal guarantor, because I was not a personal guarantor. This amounts to fraud by Capitol One. 

Please note that my last name at the time was XXXX, not XXXX. 

Furthermore, both XXXX and XXXX are fraudulently reporting both cards on my credit report as though they are CURRENTLY delinquent, not charge offs from a business over 6 years ago.
Product: Credit reporting or other personal consumer reports

I do not have specific dates, for it has been so many. For awhile things were looking good and inaccurate debts were removed from my credit report. However, the activity has started back up again. When I try and dispute anything, they do their investigation, with no involvement on my part. Then, they always side with the debt collection companies. I am never questioned, nor shown their evidence as to why they voted in favor of the debt collection company. I know my rights under Maritime Law. I know my body is traded on the stock market ; that I am owned. I know, I could claim that stock at any time if I fill out the proper paperwork correctly. I am just trying to get by and maybe ahead in this world. This system is designed to keep creative people who just want to be left alone to suffer financially to these blasphemous sharks who make up debt withholding under fraudulent conditions. My score finally began to rise and they find a way to take it down again. I do not even know how these companies come up with these in the first place. I received a letter in the mail the other day saying I never paid back a payday loan and Ive never received a payday loan in my life. They claim I closed a bank account which I never had and couldnt even get a bank account until a few years ago. This is just an example I am giving you, because this is the type of company that the XXXX major credit reporting agencies always side with, and I have no idea, because it has never been proven that these debts are mine. They are even saying I went to XXXX. I know nothing will be done, and you are probably part of the XXXX  that does not have the protection of people in your interests, but I have a right to speak up. The only solution, I can think of to do, is stop trying to participate in this system any longer. I just wanted to raise my score to be able to help my family in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked for proof of debt from all three companies and it has been almost four months and I have not received any response. I have already informed them that they are violating my rights by reporting false accounts. I feel like I am being taken advantage of and I feel like the bureaus have knowing allowed these violations to go unfixed. 

FDCPA section 807 violation misleading information Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$380.00} Account Name : XXXX. XXXX, XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$660.00} Account Name : XXXX Account Number : XXXX Account was opened : XX/XX/XXXX Account Balance : {$650.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is Charged off from XXXX bank then sold to XXXX XXXX XXXX which is a violation of my rights I never gave any written consent for this to occur this is idenity Theft. The creditor has sold/furnished my debt and is now negatively reporting it on my credit profile this is damaging my name as I try to advance in life. 

in accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX account # 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. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.

( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I want this negative impact removed from my credit immediately or to be compensated for the violation of my rights 15 U.S.C 1681n States : ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual 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} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; I would like to be compensated for all of these errors and violations.
Product: Debt collection

This company at number XXXX has called me with a couple other numbers every few days but has called with this number on XX/XX/XXXX, XX/XX/2020 twice and XX/XX/XXXX. They are looking for someone else and i have told them repeatedly i am not that person. They said they will take me off the calling list but its been 6 months and they havent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a current & in excellent standing credit card with XXXX XXXX XXXX. Every month they report to each of the 3 credit reporting bureaus. However, when XXXX XXXX XXXX reported the three credit reporting bureaus this month, it had shown up on my XXXX  and XXXX  reports only. TransUnion is actually showing that this account never existed at all. Someone at TransUnion deleted the entire account which they had previously shown for the past year and a half. I contacted TransUnion, as well as XXXX XXXX XXXX, both of these companies keep telling me that I need to contact the other company. Again this account is open in good standing and should appear on my TransUnion credit report. However l, no one will remedy this situation. This is currently causing me extreme undue hardship by lowering my credit score especially at a time when I currently needed to get a loan to have XXXX  XXXX this month. It seems to me the simplest fix to this situation would have been that XXXX XXXX XXXX  could have just resent the information back over to TransUnion as TransUnion had asked for. But XXXX XXXX XXXX  say they don't have this information to resend it to TransUnion which I find extremely difficult to believe. I would like to file a formal complaint against TransUnion for unethical business practices. A consumer should not have to do the jobs of these big corporations that hold so much power over our heads. Someone at TransUnion somehow deleted this entire record as it never existed whatsoever. Because of their egregious mistake, I should not have to bear the brunt of their ineptitude. I should not have to bear the stress of having to go out and make all of these documents to prove to XXXX XXXX XXXX  that no it's not appearing on my TransUnion credit report. My job is to be a consumer, XXXX XXXX XXXX, their job is to report properly, and transunions job is to be accountable for the correct information in my credit file. This is a situation that needs to be rectified immediately as it is again destroying my credit score and causing me extreme undue stress and pressure and this is at the complete fault of TransUnion and they should be held accountable for my mental anguish and financial XXXX up for this month because now I will not be able to have XXXX because of them again, I am making a formal complaint and I need this taken care of post haste.
Product: Checking or savings account

A cash advance was fraudulently charged to my credit card, which was investigated by the bank, who honored my claim and removed the charge and all associated fees. However, I later noticed that the same dollar amount was charged to my checking account as a " cash advance '', not a simple withdrawal, without my authorization.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX Balance : {$450.00} XXXX XXXX XXXXXXXX Balance : {$450.00} XXXX XXXX XXXX Balance : {$450.00}
Product: Checking or savings account

my bank is allowing someone using my identity to file claims and are doing reversal and clearing the funds without my knowledge from XXXX thru XXXX my total is XXXX