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

I looked over my credit report and found some addresses and name that appear to be incorrect and according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure max possible accuracy of the information concerning the individual about whom the report relates Experian XXXX XXXX XXXX continues to report name, addresses incorrect on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised and the aftermath has been one headache after another. I have several account inquiries on my report inwhich I did not authorize, nor do I know anything about. I'm hoping that these unauthorized inquiries can and will be blocked from my credit report. The following inquiries are ( 1 ) XXXX XXXX XXXX ( XX/XX/XXXX ) ( 2 ) XXXX ( XX/XX/XXXX ) ( 3 )  XXXX XXXX XXXX ( XX/XX/XXXX ) ( 4 ) XXXX XXXX ( XX/XX/XXXX ) ( 5 ) XXXX XXXX ( XX/XX/XXXX ) ( 6 ) XXXX XXXX ( XX/XX/XXXX ) ( 7 ) XXXX, XXXX ( XX/XX/XXXX )
Product: Vehicle loan or lease

I co-signed for a car for a former girlfriend. The car was purchased in XX/XX/XXXX. She made payments on the account monthly and on time. XXXX of XXXX Santander which is who the car loan was through was notified that the car was totaled out and that gap insurance would take car of the balance. Upon checking my credit report I noticed that the account was still showing on my credit report. I contacted Santander and informed of the problem and was told that gap insurance never contacted them and that the account still had a balance on it and that the car was repossessed. I proceeded to ask how was a car that was totaled and in a salvage yard repossessed. The representative then stated that they were notified that the car was totaled in XX/XX/XXXX and that they submitted a claim to the gap insurance, but never heard anything from the gap insurance company so they placed car as a repossession, and that the car was sold and the balance that was on the car was the remainder balance after the sale. I went over the account with Santander representative and informed him that the account on my credit shows as a charged off account not a repossession. I also inquired about the settlement lawsuit to forgive the loan and was told that I would have to contact the attorney general, but was informed by attorney general that I would have to contact Santander about the forgiveness settlement. I have been given the run around about the issue and this causing havoc in my current life.
Product: Debt collection

The company took collection on me for a medical collection, in which I have never heard of the company. Collection wrong amount. Should n't be a collection and I have never even been to the place where the collection is coming from. 
Reporting on XXXX XXXX, 2017 and opened in XXXX. It completely wrong and inaccurate. 

The company is Common Wealth Financial.
Product: Credit reporting, credit repair services, or other personal consumer reports

I leased a vehicle from XXXX. 
After returning the car to the dealership I was waiting for a final bill. 
I would call them periodically to find out whats going on and they told me that the dealer hasnt docked my car which i think means the dealer hasnt returned it to the leasing lender. 
About 3 months later I was billed and paid the bill right away. 
XXXX has reported a late payment on my credit report. ( Less then {$10.00} ) This late payment affected my score drastically as it lowered it by more then 50 points. 
I have disputed the late payment with the credit Bureaus and the late payment was removed but showed up again a month later as if the lenders system pushes it back in there automatically. 
This has been done twice. 
I spoke to XXXX XXXX over the phone multiple times this past year. 
They have mailed back and forth with their credit department and I was told the credit department has removed the late payment from my report. 
For some reason this late payment still shows up on my credit report.
Product: Credit card

In XXXXXXXX XXXX XXXX closed my account. Paid in full. Because I understand added interest would be charged at a later date I made sure that it would be my last payment and everything was included, no extra interest rates would be added. 

I received a letter saying my I owed {$120.00}. I was traveling and didn't see the letter till the end of Jan.The letter was dated XXXX. 

XXXX I received an email saying I was delinquent on my payment of {$86.00}. I responded to both letter and email with a call on XXXX asking for a explanation of why I was charged and why the amounts were different. They said they could not write that letter only another letter of which I already had.I also responded to the email from jeoffrey Begin ( spelled with a underscore j ) and asked the same question. No response. 

I received another email XXXX threatening to report the delinquency of my card. This time the amount was {$160.00}. I call and could not talk to a manager or anyone other than the representative that answered and she also said she could not send and explanation. 

I am requesting an explaination which I think I am owed.
Product: Debt collection

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

I have not supplied proof under the doctrine of estoppel by silence. Engelhardt v. Gravens ( mo ) 281 SW 715.719. 

I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. Inaccurate/Fraud Account ( Not mines ) American Coradius International LLC is a debt collector Account name : XXXX Account with account number XXXX : 15 U.S.C. 1681 section 602A States I have the right to privacy 15 U.S.C. Section 604A Section 2 It also states a consumer reporting agency cant furnish a account without my written instructions 15 U.S.C. 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make many consumer report containing of the following items of information Any other other adverse item of information other than records of convictions of crimes antedates
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX MS XXXX Dear Sir or Madam, You are in Direct Violation of The Fair Credit Reporting Act and the accounts listed below has violated several of my rights. 
15 U.S.C. 1681 Section 602 A. - Clearly states that I have the right to privacy. 
15 U.S.C. 1681 Section 604 A. Section 2. - States a Consumer Reporting Agency can not furnish account information without my written instructions/consent. 
15 U.S.C 1666B A creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose. 
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act. 

CREDITOR ACCOUNT # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : While checking my most recent credit report, I noticed credit inquiries that I did not authorize, made by the following companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 I did not authorize anyone employed by these companies to make any inquiries and view my credit report. This violates the Fair Credit Reporting Act Section 1681b ( c ) and is a serious breach of my privacy rights.

Please validate this information with these companies and provide me with copies of any documentation associated with these accounts bearing my signature, authorizing an inquiry. Without any fraudulent inquiries, be immediately deleted from the credit file you maintain under my social security number.

Please note that you have 30 days to complete this investigation, per the Fair Credit Reporting Act section 611.

I have attached my driver license, social security card, utility bill, and identity theft report.
Product: Credit card or prepaid card

The credit inquires on my account I have no knowledge of and I have not been successful in reaching the company itself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX / XXXX / 17  I paid the best service ca {$240.00} satisfying this debt in full. I am no longer responsible for this debt that is being reported on my credit report as a collection. This debt does not belong to me and should not be reported to any credit bureaus as a collection account.
Product: Debt collection

XXXX has referred a bogus debt of XXXX to a third collection agency. This has a been the subject of a prior claim with you~and supposedly resolved, only to arise again. See claim #XXXX and #XXXX.Also XXXX and .....XXXX. The XX/XX/XXXX response indicates that the matter has been resolved. This third inquiry and demand for XXXX is harassment and is intentional on behalf of XXXX. Please stop this.
Product: Debt collection

ALLIANCEONE RECEIVABLES in XXXX XXXX, Wa, is truly unprofessional and do n't make things easy as it should be. I tried calling them to ask for a letter to show that everything is done and can move on. But I never got the letter and asked at the end of XXXX And once I completed paying off the debt back in XX/XX/XXXX, they never changed the status of account after it being {$0.00} balance. still showing 'open ' in status. I do not think it should be this difficult to do something that is logic an sensible. For collection agencies like these that not a part of XXXX or anything to govern them, should be changed. it seems they can do and talk to people in any kind of way without using obscene language. I am trying to get my credit together and for this company to be unruly and not do the decent thing is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Trans Union LLC via letter twice to remove inaccuate information from my consumer report in which after the first letter they responded with an update in which i will upload. The information in question pertains to the posting of XXXX XXXX XXXX on my consumer report, Trans Union LLC or XXXX XXXX XXXX has yet to provide proof ( contract with my signature ( wet ink ), I never entered into a contract with this company via verbal nor any other, so im asking Trans Union LLC to either provide evidence ( contract with my signature, wet ink or verbal recording with me entering into an agreement with this company ) or remove inaccurate information from my consumer report. If Trans Union LLC does not take appropriate action to address the inaccuracies, I will consider seeking legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed on my credit report Capital One went into my credit report seeking information XXXX times for what?? I am requesting Capital One to cease and deceist there activities into my credit report, What are they looking for, I believe some fraud activity has taken place. Will ask XXXX to freeze my credit report. I would like them to answer the reasoning behind the XXXX times in my credit report.
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 XXXX XXXX XXXX. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

XXXX XXXX XXXX section XXXX A. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXX. ( a ) ( XXXX ) XXXX States : no consumer reporting agency XXXX 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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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 informationisinaccurate.
Product: Consumer Loan

Hello, my name is XXXX XXXX. I financed a car with XXXX motors and in 2015 I ran into some financial problems due to a loss in the family. I could n't afford the car anymore went late on XXXX payments and they decided to charge off the loan. I immediately sold the car and had the debt settled I really did not want my credit to get worse. But the charge off is still in my credit history is there anyway it could be removed? 

Thank you for your time XXXX bless
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am personally submitting this dispute. Please see attachments which will explain my complaint and verify my identity.
Product: Checking or savings account

my account has been looking really weird and I think many is missing
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX DOB : XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of personal loans, credit cards, and hard inquiries XXXX XXXX XXXX XXXX with a balance of {$530.00} XXXX XXXXXXXX XXXX XXXX XXXX balance of {$560.00} XXXX XXXX XXXX XXXX with a balance of {$720.00} XXXX XXXX  XXXX with a balance of {$750.00} XXXX XXXX XXXX  XXXX with a balance of {$550.00} XXXX XXXX XXXX with a balance of {$560.00} XXXX XXXX XXXXXXXX XXXX with a balance of {$200.00} XXXX XXXX XXXXXXXX XXXX XXXX  XXXX with a balance of {$120.00} XXXXXXXX XXXX XXXXXXXX with a balance of {$450.00} XXXX XXXX XXXX XXXX with a balance of {$710.00} XXXX XXXX XXXX XXXX with a balance of {$340.00} XXXX XXXX XXXX XXXX with a balance of {$630.00} XXXXXXXX XXXX  XXXX XXXX with a balance of {$480.00} XXXX XXXX XXXX XXXX with a balance of {$210.00} XXXX XXXX XXXX XXXX XXXX with a balance of {$1000.00} XXXX XXXX XXXX  XXXX with a balance of {$130.00} Hard inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that is being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of both FTC Identity Theft Criminal Complaint # XXXX and # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

Payday loan collection agreement was made with national credit adjusters on XX/XX/XXXX to make a payment totaling {$350.00} and {$45.00} for agreed settlement. The payments were made but national credit adjusters refuse to acknowledge the recorded agreement so that the collection can be removed from my credit report. Several Calls have been made to the collection agency with me being advised on a recorded line that the payment will be reported by XX/XX/XXXX but it has not been. I reported the collection to XXXX  as paid and the agency denied that it was. As of Now the collection still remains on my credit as unpaid. I spoke with XXXX # XXXX. Ref # for Payment is XXXX.
Product: Debt collection

I attempted to get a copy of the contract between myself and Midland Credit Management and they were unable to provide that contract. So they are attempting to collect a debt that I do not owe them. I spoke to XXXX representatives, XXXX XXXX and XXXX XXXX and neither was able to provide me with a copy of the contract.
Product: Debt collection

FRAUD ACCOUNT OPENED UNDER MY NAME FROM WAYPOINT RESOURCE GROU XXXX XXXX XXXX  XX/XX/2018 {$160.00} {$160.00} XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX Acct # XXXX, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX  XXXX  XXXX  Acct # XXXX, XXXX XXXX Acct # XXXX, CA XXXX XXXX Acct # 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
Product: Credit reporting or other personal consumer reports

XXXXAccount number ( inaccurate report i paid in full and was never late ) XXXX XXXX XXXX- ( no knowledge to this account ) {$3900.00} Account number XXXXXXXX XXXX XXXX XXXX ( no knowledge to this account ) {$180.00} XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$780.00} Account number XXXX XXXX XXXX XXXX ( no knowledge to this account ) {$120.00} Account number XXXX i demand these items to be remove i also reported to the ftc
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX You are in direct violation of The Fair Credit Reporting Act XXXX XXXX has violated several of my rights. 

15 USC Section 1681 Section 602 A. Clearly states that I have the right to privacy.

15 USC Section 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without written instructions.

15 USC Section 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. 

Remove these late payments and update thi account immediately as you are in violation of several laws under The Fair Credit Reporting Act.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I was emailing with XXXX XXXX ( XXXX XXXX XXXX ) about a refinishing job. This email thread had been started a few days before that. I wanted to move forward with the downpayment and ( presumably ) XXXX wrote back with payment options. I chose XXXX and XXXX wrote back with the email address to use for the transfer. Using the email provided ( in the email thread that had been used for days ) I transferred money ( {$1800.00} ) on my Bank of America account using XXXX transfer. 

After the transfer, I contacted XXXX to let him know I had transferred him money. XXXX said, strangely, that he hadn't received the money yet. I thought maybe it could take a little time. The next morning on XX/XX/XXXX I called Bank of America to let them know the recipient had not received the money. They told me that the money had successfully been transferred to an account at XXXX XXXX I called XXXX and he told me that makes no sense because he does not use XXXX XXXX. At that point we both looked at the email thread we had been using and realized I had emails in the thread that he had not sent. From my point of view, it looks like someone hacked into the email thread to give a false account to transfer the money to. 

I filed a claim with Bank of America, a claim with XXXX, and also filed a police report on the matter as per Bank of America 's request. At this point, Bank of America has not accepted my claim because they said I willingly sent money from my account. I feel really stuck on what to do now. I have asked Bank of America to open the claim again but they have also not asked to look at my emails or speak to XXXX XXXX who has said he is willing to share anything to help me get my money back. Bank of America says the only way I can get my money back is if XXXX XXXX agrees to investigate or give me it back themselves. 

I have attached the emails the hacker/fraud person started emailing me from this email on ( you can see if you scroll that then they have tried to contact me more since the transfer ) : Initial email that XXXX confirmed was not sent by him : XXXX XXXX XXXX Mon, XX/XX/XXXX, XXXXXXXX XXXX to XXXX Hello! Please don't forget 50 % deposit has to be paid asap and balance after the completion. The payment method is via XXXX, XXXX, Direct Deposit or ACH, Let me know which payment method is fine with you, I will send the details. 

Sent from my XXXX XXXX after the transfer the emails continued : XXXX XXXX XXXX Thu, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX why do you forward this again? 

[ Quoted text hidden ] XXXX XXXX XXXX Wed, XX/XX/2021 at XXXX XXXX Reply-To : XXXX XXXX XXXX To : " XXXX '' XXXX Hello
Product: Credit reporting, credit repair services, or other personal consumer reports

Opened loan XX/XX/XXXX. I was hit by a car & my truck was totaled. I had full coverage through the General & GAP insurance. The company submitted additional charges after settlement of claim. Since XXXX to current this has effected my credit. In XX/XX/XXXX a representative agreed with the fault of the company & received approval to wipe the {$480.00} debt also correct the late payments shown. They did a charge off ( instead of paid ) of my past due without correcting the history, as well. I have been in touch with company enough times to hear anymore lies. Im curious how one phone call after 2.5 years got them to charge off? 
I have a recording of the phone call with representative explains what outcome was & my agreement to the results. 
I am going to report to everything possible. Might as well, if they are going to harm credit for years. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX tried to get Gensis Retail to fix the 30 day late on my credit report from XX/XX/2022. They removed the late fee however, never took the actual 30 day late off. I have tried talking to them on the phone and they were " not '' very nice and their corporate office refused to help as well. They only care about, their money and not, their consumers well being. I tried making a payment via, the phone and couldn't get someone to handled it, properly and they admitted that, they were having issues. I currently, have an online account to pay my bill and do " not '' trust them over the phone at all. I have only XXXX late with them on XX/XX/2022 and want it, to be removed since, their company is not trustworthy in doing what, they say they are going to do. They never called me to tell me, that the payment didn't go through or they had they had the wrong account number and etc. There was over $ XXXX in assets in that account ... .. NEVER called me to tell me that, there was an issue at hand. 
Please help me... I am so frustrated with them and them not caring about, their consumers at all. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized hard inquiries on transunion. I have sent XXXX rounds of dispute letters of these unauthorized inquiries. XXXX and XX/XX/XXXX. 
The following inquiries are not authorized. 
XXXX XX/XX/XXXX and XXXX XXXXXX/XX/XXXX. 
Transunion has not deleted these inquiries.