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

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX Balance : {$890.00} XXXX XXXX XXXX  XXXX Balance : {$780.00} XXXX & XXXX XXXX XXXX Balance : {$460.00} XXXX XXXX XXXX  XXXX Balance : {$250.00} XXXX XXXX  XXXX {$17000.00} XXXX XXXXXXXX Balance : {$2700.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, KEYBANK add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/2020, XXXX XXXX add a hard inquiry on my credit report per XXXX. 
To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

starting on XX/XX/2018 thur XX/XX/2018 i have disputed serveral accounts on my credit report with Equifax XXXX. XXXX XXXX XXXX, GA XXXX, XXXX XXXX. Box XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX, and i have requested validation of debits listed below and a copy of my wetting signature per the fcra and if not for them to remove from my file. the deputes were sent certified mail and i have copys of everything.the third depute i sent all three failed to give me any proper documentation with my signature on it and they have now refused to take any more information about my deputes unless it is new information. they are not following the rules per the fcra and i have no more options but to file a complaint and take legal action against all three credit reporting agency s listed above .they are in clear violation of the fcra .they refuse to do a proper investigation and provide that in 30 days. 

XXXX debts account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 
XXXX or XXXX XXXX XXXX / XXXX or XXXX XXXX XXXX account number XXXX unverified account. 

thank you XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I found the website XXXX & purchased two items for {$460.00}. The company offered a " discount '' of 10 % if you send the payment through PAYPAL.COM to XXXX ( ), which I did. Their payment hit my account two times, causing overdraft fees. After contacting the company, they promised to compensate me for those overdraft fees but instructed I resend the amount to XXXX ( XXXX XXXX ), which I did on XX/XX/2019. I have not gotten the refund from those fees. All seemed well until nearly 3 weeks went by without word on the delivery. I began reaching out, via their online chat but no useful information came of that. They've continued to ask for my patience & understanding. They've expressed issues occuring with their XXXX " vender '', giving me new dates for receiving my order. During the first week of XX/XX/2019, I reached out asking for blunt honesty, telling them how needed to device is but there's been no change. Now, the company does not respond to my online messaging. PLEASE STAY AWAY FROM THIS WEBSITE OR ANYWHERE THESE EMAILS SHOW UP. WHEN THINGS ARE TOO GOOD TO BE TRUE, THEY'RE EVIL.
Product: Credit card or prepaid card

On XX/XX/2021 EDD posted {$4100.00} to my account in the form of 4 {$1000.00} deposits. My balanced was transfered out by BofA without my consent. I immediately notified them of the error but they said they couldn't help me. For me to contact claims. Consequently I fallowed all procedures to have my money returned however the bank claims that i only submitted 2 transactions instead of the four. They granted the 2 claims but when i inquired about the other 2 they said i needed to submit them separately even though they occurred ant the same time. Now they said that the last 2 were denied. They accepted liability for 2 out of the 4 transactions now i had to appeal their decision. Clearly they made an error by not submitting all 4 transactions.
Product: Credit card

I signed up for this card in XX/XX/XXXX and had a balance of XXXX. Apparently, there was a promotional period. I received no notification that the interest rate was going to spike. I then received a huge interest charge in XX/XX/XXXX of XXXX. I went to pay off the card in full and realized that there was a huge surprise interest charge in XXXX. I received no notification of this whatsoever. I wasn't even receiving any statements.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still 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 investigate the unverifiable items and correct or remove them immediately in my report : 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
Product: Vehicle loan or lease

On or around XXXX I voluntarily surrendered my XXXX XXXX to capitol one bank. I followed the requested steps and gave the car back in good condition. The bank accepted my request and took the car back and sold it at a public auction. 

I knew I would be responsible for the balance after the sale. I filled bankruptcy shortly thereafter and this debt was included in my XXXX XXXX case. For a very long time I hear nothing from capitol one about this matter. Then in the later part of XXXX i get a letter from capitol one telling me that the title to my car will be sent to me if there are no balances owed. If there is a balance, I would be responsible to pay it back. 

I was livid when I got this notice and called capitol one immediately. I told them you are sending me an illegal letter and this account has been included in bankruptcy and I am not responsible for any monies owed you. I then told them they are sending illegal letters without the proper verbiage on it. For example, the letter they sent me does not have any wording about bankruptcy and letting me know I am not responsible for any payback 's due capitol one. 

in their fancy way they were trying to collect a debt if there were any payments due them. They also sent me letters without my consent and as I mentioned this debt was wiped away in bankruptcy. 

It gets better capitol one sent me a tax form for unclaimed income from the shortage of the car sale. They also sent the same falsified tax document to the IRS. I was in the middle of filling my taxes and had to include this false document. This bank violated my bankruptcy rights, sent a false document to the IRS, tried to make me include more income then was actually made. 
I escalated my complaint to the president 's office who was no help at all. Capitol One admitted to their mistakes and offered nothing as compensation for their errors and many violations under the bankruptcy code. 

I tried to negotiate an out of court settlement and they declined to work with me nor offer anything to make this right. I am now filling complaints with all the government agencies that govern them. 

Once I file all my complaints. I will hire an attorney to move forward and file a class action lawsuit for falsifying records to the IRS, sending me letters trying to collect a debt while it was included in a XXXX XXXX  bankruptcy, violations under the bankruptcy codes in South Carolina.
Product: Credit reporting, credit repair services, or other personal consumer reports

I requested credit bureau multiple times for bankruptcy validation from the court/original creditor under 15 USC 1692g Sec. 809 ( b ) of The Fair Debt Collection Practices Act ( FDCPA ). Debt validation is my federal right granted under the FDCPA. They failed to verify the information from the court so they should remove it from my record. " The United States Bankruptcy Court does not report any information to the credit bureaus. The U.S. Bankruptcy Court is not responsible for verifying or validating information from consumers credit files. Please provide validation from the court or delete all the bankruptcies from my record. XXXX doesn't show any bankruptcies.
Product: Payday loan, title loan, or personal loan

I applied for {$7100.00} credit through XXXX XXXX XXXX XXXX   on XX/XX/XXXX because I was upgrading my HVAC system. I  was denied credit through XXXX XXXX XXXX XXXX. According to the information sent to me, the reasons for the denial were the following ; Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high ; Derogatory public record on collection filed ; According to their records, my credit score was a XXXX. 

The reasons stated above are inconsistent. First, the proportion of balances to credit limits were under 20 %. Second, there is a settlement on my credit report, however, it was settled in XX/XX/XXXX. In addition, it was stated that my credit score was a XXXX. This is not true. I checked my credit report before applying for credit and after I was denied credit and the scores were XXXX. 

I believed that I was discriminated against under the Equal Credit Opportunity Act. I should not have been denied credit. Further, my annual income is $ XXXX.
Product: Debt collection

They company contacted me while i was at my place of employment without prior given consent about an alleged debt of my recently passed over father. The company agent XXXX ( employment id # XXXX XXXX stated that they are a third party debt collector and this was an attempt to collect a debt. I know firsthand that i never gave this company my information or approved any institution to distribute my information to this company. This is a violation of many laws protecting my rights as a consumer as well as my right to privacy. Below is a list of the direct violations under federal law according to Title 15 U.S.C.1692 15 U.S.C. 1692b ( 5 ) 15 U.S.C. 1692c ( a ) 15 U.S.C. 1692c ( 1 ) & ( 3 ) 15 U.S.C. 1692d ( 5 ) 15 U.S.C.1692e ( 10 ) This company is aware of the civil liability they have under 15 U.S.C. 1692k.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX stating my card was stolen. I have called almost every month or so since then. I requested a statement of the charges to ensure I shut it off in time. I never received the statement. I have called multiple times in the last three years and did not receive the statement. This year feburary XXXX I finally received the statement. They charged me fees on top of fees, refused to allow me to dispute in a timely manner and now show the account 2x on my credit report and show it charged off after i disputed the issues with Experian and XXXX. I have only one account and still have not had help in the matter from the company. They have stated that I should be able to dispute the charges but then never call back to review. They have refused to send me documentation showing they were going to put account into charge off status and never called about the statements I was not receiving. They finally sent a statement for XX/XX/XXXX after I disputed a 3rd time and it still did not show the charges just late fees. I have been on the phone for hours with them, constantly have kept my contact informaiton up to date and they are negatively affecting my credit score and refuse to help. I have tried disputing the duplicate account and their response is it is correct. I had one account with them period.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the XXXX  major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report.

XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$2800.00} XXXX  XXXX XXXX Balance : {$7500.00}
Product: Debt collection

XXXX XXXX is claiming I owe {$1000.00} for services I never received ; clearly it was identity fraud. The charge showed up on my XXXX credit report when I applied for an auto loan through my credit union. I called CBE Group, the collection agency, and was told the charge was for a cable/utility for an address in XXXX, XXXX, from fall 2022. I have never lived in XXXX  and have never been a XXXX XXXX customer . Part of completing my ID theft information form is completing an incident report, which I assume is what I am doing right now.
Product: Checking or savings account

I'm XXXX on a fixed income. I have been wronged by Wells Fargo. They still have money that was owed to me as of XX/XX/XXXX. 
On XX/XX/XXXX, I was charged {$200.00} for a refurbished starter from XXXX that I purchased on XXXX on XX/XX/XXXX. The purchase price included a {$40.00} core charge that would be paid to me for returning my car 's old starter " core '' to XXXX XXXX. On XX/XX/XXXX, I returned my car 's old starter core to the XXXX store that I selected and ordered the new, refurbished starter from on XXXX. On the website, it stated that I was to recieve a {$40.00} core charge upon returning the old starter core. This is fraud by XXXX because I still have not gotten the {$40.00}. Even though they have had my old starter core since XX/XX/XXXX. 
On XX/XX/XXXX when I returned the old starter core, I was told by the XXXX store manager that the {$40.00} that I was expecting to receive would be " put back on the card that was used to make the purchase. '' Needing the {$40.00} right away desperately, I asked the manager how long would it take for the {$40.00} to be deposited back into my account. He said, " It's up to your bank now. They will process the payment and put it back into your account depending on how long they take to do that. '' After several days, I emailed XXXX asking where my {$40.00} was. They replied ( I have this email in my inbox still ) that the payment has been released to Wells Fargo and that Wells Fargo is now responsible for depositing the {$40.00} that I was owed by XXXX. I was informed that this could take up to 10 business days. 
After still not receiving the {$40.00} after 16 business days, I decided to call Wells Fargo to find out where my money was. The Wells Fargo person I spoke with didn't know where my {$40.00} was. So I told her that I want to dispute the whole transaction, because XXXX XXXX has had my old starter core for over two weeks and I still didn't get the {$40.00} that I was supposed to get. 
I explained the situation exactly as it happened : " One billion-dollar company ( XXXX ) took my old starter core and kept it, and then they gave the {$40.00} that was supposed to go to me ( a XXXX person living near the poverty line ) and they gave that {$40.00} to another billion-dollar company ( Wells Fargo ) XXXX '' This has leaft me with nothing when in fact I am owed {$40.00}. I don't trust Wells Fargo anymore. They claim to be reviewing my claim of a disputed transaction. But they still have not put that {$40.00} into my account. It's been 20 days. I still have nothing. But XXXX XXXX has my old starter core, and Wells Fargo has my {$40.00}. That's why I'm spending XXXX morning complaining about these two companies, while the CEO 's of these companies are enjoying and celebrating multi-billion dollar profits for their companies that have mistreated me. XXXX XXXX. 
Now I'm having to wait for the {$40.00} that I should have gotten weeks ago
Product: Debt collection

National credit system is staying that I {$11000.00} for an apartment that was vacated..and given a ample time to get the apartment re-rented ... the amount is incorrect and I would like proof of the amount also whenthe apartment was re-rented after it was vacated I have disputed this with XXXX XXXX.XXXX and XXXX and they all say verified but no paper work is provided of proof showing the amount owed..in detail..
Product: Vehicle loan or lease

First bank of PR is requesting a additional payment due to back fee ( interest ) that are not correct after the last payment when I requested the title. 

I have all payment made even the ones that were made with late fee.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the fair credit reporting act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently been a victim of identity theft. I disputed the fraudulent accounts with all three credit agencies in which they were all removed. A week later Experian placed one of the fraudulent XXXX XXXX accounts back on my credit report. XXXX I filed a complaint and a week later it was removed again, but they have added another XXXX XXXX fraudulent account back on. I just spoke to a representative from the fraud department in which he stated I am unable to dispute the account again after it was already removed because XXXX XXXX placed it back. He was able to pull up my police report and my FTC report and still stated he couldnt do anything about it. The account stays. I asked him for his name he said It was XXXX and thats all he has to give. He stated Experian doesnt require they give us that information but if I want to know who he is, he is XXXX from the XXXX XXXX at work. Not sure what that means.
Product: Debt collection

Diversified Consultants has listed a collection account on all XXXX of my credit reports that does not belong to me. I sent them notice asking for validation and proof bearing my signature that I signed up for a contract with XXXX that shows me being liable for the account. They have failed to provide such proof and now have reported this account on my credit reports causing harm to me. This reporting is a violation of my right under FCRA as they have not provided me with proper documentation prior to reporting this account nor proper documentation proving this account 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 has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. has violated my rights. 

Account name : XXXX XXXX XXXX Account # XXXX Account name : XXXX XXXX Account # XXXX Account name : XXXX XXXXXXXX XXXX Account XXXX XXXX Account name XXXX XXXX XXXX XXXX # XXXX  Account name : XXXX XXXX XXXX Account # XXXX 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: Credit reporting or other personal consumer reports

A student loan was fraudulently taken in my name. 
I filed reports 2 years ago to resolve the issue. 
The account has now been charged off and negatively impacting my credit. 
Police report filed with XXXX XXXX XXXX  # XXXX Fraud report filed with Federal Student Aid ( FSA ) # XXXX Reported the fraud to XXXX XXXX I have had direct contact with XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2017 I sent a request to the 3 credit bureaus to remove credit inquiries on my report as they were not authorized. I applied for a loan with XXXX and XXXX only in addition to XXXX. I have over XXXX credit inquiries as a result of XXXX sharing my information without my knowledge or permission to obtain credit on my behalf. 

The response I 'm getting is the same from the bureau 's that the record is accurate when it is not. I 've not authorized anyone other than XXXX and XXXX to pull my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX- amount {$4700.00}. I was XXXX XXXX and was put on reassignment and submitted my XXXX order to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX XXXX {$3900.00} I was XXXX XXXX and was put on reassignment to deploy and submitted my orders to the leasing office and they still gave me a balance of my remaining lease. XXXX XXXX XXXX XXXX receive the property and reported it to collections with a balance of {$4100.00} which I was told, all was needed was to collect the property. Ive been reaching out since XXXX for theie actions to be corrected and no response. 

All companies did not honor my military orders and have been harassing me to pay a balance that is not legal. Since then, date have been updated on those XXXX accounts which I have reach out to them multiple times to dispute.