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

XXXX    XXXX  ,  XXXX  formally  XXXX   XXXX  reported incorrect information to all three credit bureaus causing and major drops in my scores. Trying to correct an issue with this company is impossible. The school that these loans were used filed bankruptcy, should n't there be something I can do?
Product: Credit reporting or other personal consumer reports

I would like to get this inquiry off my credit report as soon as possible
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX Account Dispute Reason Selected Edit Payment never late Comments Edit fcra violations never late XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax : DEPT OF ED/XXXX {$0.00} Closed 12 late payments Account Info Tap labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Installment XXXX : XXXX XXXX {$23000.00} Balance updated XX/XX/XXXX XXXX late payments FCRA violations never late DPT ED/XXXX {$0.00} Closed 12 late payments FCRA violations never late fix it or remove it Base on the information found please remove these accounts : XXXXXXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$1100.00} written off. 
Account TypeCharge Card Balance {$0.00} Date OpenedXX/XX/XXXX Dispute Installment Loansshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusOpen. 
Account TypeAuto Loan Balance {$23000.00} Date OpenedXXXX Dispute U.S. DEPARTMENT OF EDUCATION XXXX potentially negative icon Potentially Negative Account Name U.S. DEPARTMENT OF EDUCATION Account Number XXXX Account Type Education Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement.
Product: Money transfer, virtual currency, or money service

Hello, On XX/XX/XXXX, I replied to someone selling tickets for a concert in XXXX. I've uploaded the text messages below. I sent the recipient {$350.00} for a pair of tickets through Chase XXXX. The recipient notified me they were going to transfer the tickets through XXXX. However, they didn't follow through. I contacted Chase support about 3 minutes after the transfer to rollback the transaction. However, Chase notified me that I was out of luck and there's nothing they could do. They told me to notify the police and that there was nothing the could do. I called the local branch and they told me to call customer service XXXX number. I was told to go around in circles with nobody helping me. I'm frustrated and upset that they didn't do anything since I sent the money that is a Chase customer. They have this person 's information but told me they were not able to reverse the payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted too many complaints with CFPB regarding my issues with XXXX. Incorrect information still appears on my credit report. On XX/XX/XXXX, my information was put on the dark web. XXXX then locked me out of my account and stated I needed to pay {$19.00} a month to access my account to get the details about the fraud.I continue to have a problem with XXXX investigations into existing ongoing problems. My information is sold to third parties - continuous improper use of my report, shared my information without my consent, receive inquiries from unknown sources. Currently, I am unable to gain access to a credit report or credit score. I currently do have a problem with fraud and the identity theft protection service XXXX XXXX is suppose to have came with {$1.00} XXXX in Identity Theft Insurance - my information was sold to the dark web and XXXX did nothing. My phone number was sold to the dark web and XXXX did nothing. My email address was sold to the dark web and XXXX did nothing. I just got an email stating new address associated with SSN - can't respond to the alert as I can't access the account to find out what is going on.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Acct # XXXX After disputing this account, it came back as verified and accurate. I was not sent the results of their validation. How is a collection account reporting a status of OPEN with one bureau and not the other. One Bureau deleted the account and the other two verified it as accurate. I demand the validation they received that is allowing them to report this inaccurate information. Also, I have attached the ORIGINAL letter FROM THE ORIGINAL CREDITOR that the account was approved to be covered by medical insurance. So please immediately show me the original proof of validation that was received and also DELETE THIS ACCOUNT IMMEDIATELY for INACCURATE REPORTING.
Product: Debt collection

I have sent XXXX XXXX XXXX. multiple letters throughout the past year requesting validation on this alleged debt, showing that I have a legally binding contractual obligation to pay the alleged amount. The only thing XXXX XXXX has sent me in the past twelve months is an itemized document without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I have never done business with XXXX XXXX XXXX, never signed a contract, nor do I owe them any money. 
XXXX XXXX has not complied with FCRA 623 ( a ) ( 3 ), or section 603 ( p ), and has not complied with the Fair Debt Collection Practices Act Section 807 ( 8 ) by not placing the disclosure within the required 30 day period.
Product: Money transfer, virtual currency, or money service

I am writing to file a formal complaint against PayPal regarding the unjust permanent limitation placed on my account, which prevents me from withdrawing my funds. I believe this action was taken without proper justification, and it has caused significant inconvenience and financial distress. 

On XX/XX/year>, PayPal permanently limited my account, stating that I had violated their terms of service. However, I have not engaged in any activities that would warrant such an action. I have contacted XXXX customer service multiple times to resolve this issue, but I have not received a satisfactory explanation or resolution. 

The funds in my PayPal account amount to {$1900.00}, which I urgently need to access. Despite my attempts to comply with any necessary verification processes, PayPal has refused to lift the limitation or allow me to withdraw my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out my identity had been compromised because my wallet was stolen from the movie theater. I did not take the proper measures afterward. I just got a duplicate drivers license and a copy of my social security. Several years later I am receiving letters after letters of several unpaid accounts that I have never open. I then started to investigate and pulled my credit to check what all had been open. There are way too many fraudulent accounts open that I am near familiar with. These accounts are not mine. Please remove them. 

XXXX XXXX XXXX {$4000.00} XXXX XXXX {$420.00} XXXX/XXXX   XXXX {$420.00} XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$2100.00} XXXX XXXX {$0.00} XXXX/XXXX  XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. It indicated that a credit inquiry was made by the credit inquiry below. However, this inquiry was not authorized by me. Therefore, I'm sending this complaint to dispute this inquiry and have it removed from my credit report. 
XXXX XXXXXX/XX/2023
Product: Credit card or prepaid card

I have called Capital One and spoke to XXXX. I asked if there was anyway to reduce the APR. My current APR is 24.40 % when I called the automated system. XXXX  advised that there was no offers to reduce the APR. I am asking for a reduction in the APR since it is at a very high rate. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent numerous letters initially without sending them certified mail. I didn't think I had to but every time I asked about my letters they said they haven't received anything from me. So I sent the letters certified. The same letters just certified. 

My reason for contacting them was about erroneous information in my report and have not gotten any response. I have requested information about Verification/Validation and investigation methods and have received nothing. This is why I now am asking for the support of the CFPB.
Product: Credit reporting or other personal consumer reports

Ive been in communication with Experian about inaccurate personal information on my credit report. Even after notifying them many times about this error they still continue to report this incorrect personal information on my file. Not only is it unfair, its also illegal. By law 15 U.S. Code 1681 ( b ) it clearly states that your reporting agency must follow these Reasonable procedures : require that consimer reporting agencies adobt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information ina manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance. 

This whole thing is unfair. This has been stopping me from being able to move forward in my life because of this inaccurate information being reported on my credit report. I have told Experian many times I do not consent to the inaccurate personal information listed below to be reported on my consumer report. This in clear violation of 15 U.S. Code 1681 & 15 U.S. Code 1681c-2 Inaccurate Personal Information : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My only name is XXXX XXXX XXXX My only address is XXXX XXXXXXXX XXXX XXXX XXXX My only date of birth is XX/XX/XXXX My only employer is XXXX XXXX XXXX XXXX XXXX 

You are required to do what I am asking and block the following personal information from being reported to my consumer report with 4 days from the date of the receipt of this notice. I look forward to your response. 

Thank you XXXX XXXX XXXX
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. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion 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 Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 n now im XXXX  n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Vehicle loan or lease

My lease is financed through Mazda Financial Services ( MFS ) and the maturity date is in approximately XXXX  days ( XX/XX/2023 ). As with many leases, per the contract, I have the option to purchase the vehicle at lease end for the amount specified on the contract ( plus applicable taxes ). 
On XX/XX/2023, I attempted to arrange the purchase of my lease on the maturity date directly through Mazda Financial Services. However, because my vehicle 's garaging address is in North Carolina ( based on my home address ), Mazda Financial will not allow me to purchase my lease through MFS and instead requires me to purchase my lease through a dealership. 
On XX/XX/2023, I contacted XXXX local dealerships ( one of which is where I initiated my lease ). I am not stating the names of the dealerships in this complaint for fear that they will refuse to allow me to buy out my lease. I will provide this information if I am reassured that the dealers can not retaliate. 
Dealership # XXXX will only facilitate a lease buyout if the lessee agrees to a vehicle certification, which costs {$2400.00}. This is in addition to a {$990.00} administrative fee. If I elect to not certify my vehicle, Dealership # XXXX will not facilitate the buyout. 
Dealership # XXXX charges a {$750.00} origination fee and does not require vehicle certification to facilitate a lease buyout. However, they do require customers to finance the lease buyout via the dealership, who will select the lender and initiate the loan origination process. If I want to pay in cash or obtain my own financing, Dealership # XXXX will not facilitate the lease buyout. 
As is evident from above, Mazda Financial 's requirement for dealers to facilitate all lease buyouts in North Carolina leads to additional fees above the agreed-upon contract price and is based entirely on dealer discretion ( i.e., no dealership is obligated to facilitate my buyout, and I must agree to one dealer 's terms if I want to buy out my lease ).

Dealers are not financially motivated to dedicate time and effort to lease buyouts. Consequently, they resort to predatory behaviors, such as those listed above. I should be able to purchase my vehicle for the amount outlined in the contract.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I disputed credit report inaccuracies with several furnishers. Despite the FCRA, they didn't inform credit bureaus about my disputes. My updated credit reports still show the wrong information, impacting my credit score. 

On XX/XX/2023, I disputed federal student loan inaccuracies with DEPTEDXXXX, as I'm eligible for CARES Act relief. They wrongly reported late or missed payments, creating financial hardship and preventing me from buying a home. 

I request CFPB 's help in investigating these furnishers and XXXX for non-compliance with the FCRA and CARES Act, and to resolve these credit report issues.DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agreed, never late. Remove the inaccurate late payment from my report. 

DEPTEDXXXX - XXXX - Under 15 US CODE 1681s2 ( F ) Reporting Information During Covid19 Pandemic - Update to paid as agree and remove late payments from payment history. 

XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy- Please Remove This From My Credit Report Immediately XXXXXXXX XXXX - XXXX - Under 15 U.S.C 1681b Permissible Purposes Of Consumer Reports- Please delete this from my credit report immediately XXXX - XXXX - 15 U.S.C. Section 1681i Paragraph 5 Treatment of Inaccurate or Unverifiable Information. - Please delete immediately XXXX - XXXX - Under 15 U.S.C 1681e ( b ) Compliance Procedures Maximum Possible Accuracy - Delete this account immediately XXXX - XXXX - Under 15 US CODE 1681s2 - Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( a ) Duty Of Furnishers To Provide Accurate Information - Delete this account immediately. 

XXXX XXXX - XXXX - Under 15 US CODE 1681s2 Responsibilities Of Furnishers Of Information To Consumer Reporting Agencies ( A ) Duty Of Furnishers To Provide Accurate Information. Payment Status Is Inaccurate. - Delete this account immediately. 

Incorrect Name - XXXXXXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, FL, XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL, XXXX
Product: Credit reporting or other personal consumer reports

Filed for XXXX XXXX Bankruptcy in XXXX XXXX  was discharged in XXXX 

Since that time, I have tried unsuccessfully multiple times, to fix incorrect reported information with Transunion. Transunion however, continues to show accounts open that were included in bankruptcy, continues to show late payments, continues to show incorrect dates of account opening/closing, and continues to show incorrect delinquent information for debts that were discharged in bankruptcy.

Transunion is in violation of 15 U.S. Code 1681c, XXXX XXXX XXXX Sec XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, The Federal Debt Collection Practices Act, and The Texas Debt Collection Act. 

Violations of these statues carry both civil and criminal penalties.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Experion credit report there are 4 people linked that are not me. Their accounts are also showing up that are not mine both active and closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 my car was stolen from my home. I was walking out the door to leave for work at XXXX and my car was gone. I worked closely and very diligently with my insurance company to provide every detail immediately. I was anxious to not have a car because school was approaching. I have 3 children going to 3 different schools. I needed a car immediately. XX/XX/2019 my car was considered a total loss. My insurance company confirmed they would be issuing a check and my GAP insurance would pay the reminder of the balance and that I was no longer responsible for the payments or the car. I made every payment on time while I owned the car. I was never late. I asked BB & T to not penalize me because the other companies did not provide the pay off in a timely manner. This is the only late payment on my credit report and it is reportedly negatively on my report while I am in the process of trying to purchase my first home. Please do not hold me accountable for someone stealing my car and ruining my life.
Product: Credit reporting or other personal consumer reports

PLease delete and remove information I did not authorize any of these inquiries. someone is using my name improperly and opening up accounts. 
Inquires : XXXX XXXXXXXX XXXX inquiry XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Bank of America allowed a breach of security on my XXXX credit card which lead to fradulent purchases on said card. After I reported the fradulent activities BOA closed out the account and issued a new card. 

I attempted to activate new card and BOA refused to activate said card based on questions they claimed were public records but had absolutely nothing to do with me or shared any relationship with me. I requested BOA to provide the source of where they were obtaining the wrong information so the consumer could correct and not be subjected to there methods and BOA refused to provide the source and refused to activate said credit card. 

I also asked BOA to use other information to provide security clearance to activate said card BOA refused. To date card is not activate. This is so insulting on many levels because the only way someone could have gotten a hold of my credit card number is thur BOA. I never used said card and card has never left my home safe. For BOA to now treat the customer in this matter is unfair deceptive business practice.
Product: Credit card or prepaid card

Access to account by third parties without use of confirmation sent via cell phone in their possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

This information did not belong to my account.
Product: Credit card or prepaid card

I have two items in collections with Capital One, after reaching out to try to fix the issues I had given up. I was told a credit help company had made payments to Capital One and no payments are marked on the account. Recenly I was attempting to get a loan with a housing builder and was told that Capital One is still reporting late payments even though they charged off the account years ago and it was bringing my credit score down further than it should. I reached out to the phone support line but was unable to get anywhere, or receive help. I would like to talk to someone about resolving the issues at hand.
Product: Debt collection

somebody calls my work saying my name is involved sensitive matter I should contact this XXXX
Product: Debt collection

I was a customer at XXXX XXXX for two years and I recently cancelled my account on XX/XX/XXXX of this year. Later in XX/XX/XXXX that same year, I talked to a representative that I wanted to cancel my account and she told me that I have to cancel it before the XX/XX/XXXX and I did exactly that. After 4 months, I was there and number contacted me saying I owe this amount to XXXX XXXX. The collection agencys name is XXXX. I then called XXXX XXXX and ask how come they said I owe them? And they told me because I had a prorated amount of {$44.00}. In this case, they then told me that they sent several notification about the bill to my my address which I found out that its was a wrong address. Now they want me to pay {$230.00} to the collection agency. I explain to them its not my fault because they had the wrong address but to no avail.
Product: Checking or savings account

On about XX/XX/XXXX Chase Bank had debut issue nationwide I was not aware of. I tried to take XXXX from thier atm at route XXXX and XXXX in XXXX, IL. Nothing came out it just spun. Lady in next lane same issue. Unaware I later went to XXXX in XXXX, IL and used thier atm tried to withdraw XXXX got XXXX and XXXX charge, an error message tried to screen shot with phone but screen disappeared to fast. Bartender said " it was broken. '' I asked, than why no sign?! '' Stated to use atm up front, so I walk in front of restaurant and try to take XXXX machine gives error message, no cash and check my account debited me XXXX. 
I call Chase bank claims immediately as I this point my account already messed up. Woman says " so sorry we are having nationwide issues with our debit system etc. '' Tells ne file a claim. 

I tried one more time on a purchase at XXXX dies nit work, error message. Go home and that Nighy or next morning speak with claims and they file privisonary credit for every transaction that day, I di nit think foreign agent understood me correctly. 

I get provisional credit of I think around XXXX? 

Last week XX/XX/XXXX get letter reversing XXXX credit as " machines aid I recieved money! '' Had to go to branch twice and get off work early as no one could assist personal XXXX XXXX at XXXX on XXXX XXXX & XXXX in XXXX, il XXXX XX/XX/XXXX to help me file counter claim. Had to go back XX/XX/XXXX XXXX a Non-Fraud Atm Dispute form for XXXX XXXX. 
I ask what about the rest of claims? He said " Oh your fine, nothing else here on account " XXXX XXXX I get letter from Chase stating reversing ALL provisional credit. 
I call claims tell me same thing " machine say you recieved money " No help whatsoever! 

I am being charged XXXX XXXX, XXXX XXXX and and XXXX that I never recieved please help me I am a senior with health issues!