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

Hello my name is XXXX XXXX for 5 years ive reached out many many times on getting a vehicle loan and removing my name. XXXX XXXX courts gave me a letter stating I was no longer financially responsible for said vehicle in which XXXX XXXX XXXX was court ordered to remove my name. He failed to comply with court orders. I have submitted proof of said court order and bridgecrest has refused on removing this whole account from my credit. I never once had possession of this vehicle nor did I make any payments. All the payments made were by XXXX and he was ALWAYS late. I need this bridgecrest removed from my credit. Completely! I will be contacting my lawyer
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires : XXXX XXXX/XXXX/XXXX/XXXX XXXX/XXXX   XXXX/XXXX/XXXX/XXXX/XXXX/XXXX  XXXX/XXXX/XXXX   XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX XXXX/XXXX   XXXX  XXXX/XXXX/XXXXXXXX/XXXX/XXXX/XXXX/XXXX/XXXX/XXXX   XXXX/XXXX  XXXX/XXXX/XXXX XXXX XXXX/ XXXX/XXXX/XXXX XXXX/ XXXX XXXX/XXXX  XXXX/XXXX/XXXX : : All this inquires on multiple occasions are fraudulent.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX on XXXX completed a non-impactive pre-authorization for a car. on XX/XX/XXXX, in XXXX, Texas i purchased a vehicle at a dealership. in XXXX i contacted the three credit reporting agencies regarding fraudulent and unauthorized information reporting on my XXXX accounts credit profile. " XXXX '' nearly got everything correct. They refused to remove a fraudulent Inquiry from XXXX XXXX. XXXX XXXX reported a XXXX credit inquiry, which was ran referencing an EIN, onto my XXXX 's Credit profile. " EQUIFAX '' and " XXXX '' in response to my request to report accurate information, took action that have negatively impacted me and refuse to do whats right. " XXXX '' has been fraudulently accepting my payments of remittance coupons and not reflecting them onto the statement of the account. There should only be XXXX Credit Inquiries on my XXXX accounts credit profile. " XXXX XXXX '' XX/XX/XXXX and " XXXX, Texas car dealership '' XX/XX/XXXX. all other inquiries are the direct result of Fraud, Misrepresentation, concealment, or discrimination. " XXXX XXXX '' became trustee of the trust & failed to fulfill its fiduciary obligation of providing me, the beneficiary, with any benefit. The three credit agencies profit from reporting fraudulent information and take too long to correct issues once brought to their attention.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach, and I am requesting that the following fraudulent accounts be blocked and deleted from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Accounts XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$300.00} XXXX. XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$690.00} XXXX. XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$9400.00} XXXX. XXXX XXXX XXXX Account # XXXX, Opened on XX/XX/XXXX, Balance : {$2800.00}
Product: Debt collection

The collection for an auto loan that I had was originally with XXXX XXXX XXXX. They filed a judgment against and we went to court on XX/XX/XXXX. I was able to make payment arrangements with them and have kept to the terms agreed upon since XX/XX/XXXX. I called XX/XX/XXXX to get a copy of the payment terms that we agreed upon so that it could be reported on my credit report accurately and they informed me the debt is now with XXXX XXXX XXXX. However, the debt is still be reporting to the credit bureaus by XXXX. I have attempted to get XXXX XXXX XXXX to provide the correct payment terms and balance and they keep telling me they do not have it. I have called XXXX to get it and they keep telling me that XXXX has the debt now. 

I just want to have the debt reported correctly on my credit, with the balance reported accurately and the correct terms reflecting.
Product: Checking or savings account

I received a call XXXX which I thought was JP Morgan Chase Bank . I was told an individual had requested funds from my account through XXXX ; 2 transaction equalling {$3000.00}. I explained that was not me and I don't know who that is. They went on to say that they needed to stop the transaction and move my money. The end result is they emptied both of my checking accounts. I called the bank and they stated they were not employed by Chase bank. I then found a claim with the make hoping hoping to get my money back. I am in a retiree on a fixed income and they drain all my money.
Product: Vehicle loan or lease

They said we were late on a payment and came and repoed the car which I did pay the payment but they repo the car and sold it
Product: Credit reporting or other personal consumer reports

The following inquiries listed on my account was not authorized by me. Please remove all of these inquires because I never gave any creditors the okay to access my credit report.
Product: Checking or savings account

XXXX {$40000.00} into my Chime checking account from XXXX XXXX XX/XX/23 {$14000.00} posted to Chime checking account Updated balance {$44000.00} XX/XX/23 Chime put hold on my account ( Temporary security restriction ) Chime requested : -gov. ID -proof of address ( I sent in documentation ) XX/XX/23 Chime regenerated document request link after I called them because they said they didn't receive what I recently sent them. 

Chime sent regenerated link - sent documents again XX/XX/23 I emailed Chime a complaint XX/XX/23 Chime sent another link -DOCUMENTS SENT XX/XX/23 CHIME LINK -DOCS SENT XX/XX/23 I sent Chime complaint email - Chime sent automated response -ID -proof address Also sent XXXX bank email XX/XX/23 Chime requested again ID, secondary ID ( social security card ), self portrait holding ID and paper with my name and date on it ) and address bill - I sent documents XX/XX/23 XXXX Chime automated responses XX/XX/23 Chime requested documents again XX/XX/23 emailed Chime complaint letter XXXX XXXX sent documents to Chime again XX/XX/23 emailed Chime compmaint and documents XX/XX/23 sent XXXX Bank documents and complaint Than XXXX responds with requesting documents proof of {$54000.00} XXXX wants proof of the funds XXXX onto XXXX for game play and winnings into Chime but what they don't understand is that there are several different payment methods to upload money onto XXXX. I used XXXX and another bank funding source to upload money.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED IMMEDIATELY. 

XXXX 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I had a U.S. Bank personal checking account. On XX/XX/2023 I transferred money into that account using an ACH transfer. After that I changed my email address for being able to use XXXX. At this point U.S. Bank closed the account and claim that the account was closed due to concerns about Fraud and they have never returned my money. I have been speaking to XXXX at the XXXX XXXX XXXX in XXXX XXXX, MO, ( Tel : XXXX ) and all she can tell me is that the account was closed by the company and she can not tell me exactly why the account was closed and when I can get my money back. I have repeatedly asked to speak to a supervisor or someone else who can escalate this matter, but I have been consistently stonewalled. I have asked to be able to have email communication with someone and even that request has been denied. She can not even send me a letter detailing the concerns and the way to resolve them. 
It is now almost XXXX months and I am out of ideas as to how to get my money back.
Product: Debt collection

I have a debt on my credit that doesnt belong to me and I believe it was an act of fraud. 
Date opened ; XX/XX/XXXX First reported ; XX/XX/XXXX Date of status ; XX/XX/XXXX Original Creditor ; XXXX XXXX XXXX Amount due ; {$330.00}
Product: Credit reporting or other personal consumer reports

Can not login to Equifax to dispute an old account. XXXX was a breeze and dropped the old account.
Product: Debt collection

Account open started on the letter shown XX/XX/2020. Supposed creditor is XXXX but the I do not have and have never open a XXXX account before. 

Date of the letter is on XXXX XXXX with a balance of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score increased on XX/XX/2021 by 4 points.Three days later my credit score decreased by 7 points.On XX/XX/2021, my credit score again decreased by 4 points.When I go online to check why my score decreased, your experian website does not give me any information why score decreased.The only thing experian does, it suggest to use credit boost.I find this very suspicious.Its like experian is lowering my credit score purposely to use credit boost.Recently, XXXX credit card was deleted from all my credit reports after seeking a attorney.My credit score increased with XXXX  and XXXX  after XXXX trade line was deleted from the report but with Experian, my credit score decreased when XXXX tradeline was deleted.
Product: Credit reporting or other personal consumer reports

TRANSUNION has violated my consumer rights by reporting inaccurate information. The creditor has also violated my consumer rights by reporting inaccurate information to TRANSUNION. The creditor has not validated the 30-day late payment and is willfully causing further injury to me. I will submit another complaint for an opportunity to cure and expect this matter to be resolved immediately. 

I received a copy of my credit report and found the following item listed below to be an error. XXXX OPEN DATE : XX/XX/year> - ACCT # XXXX Pursuant to 15 USC 1666b A creditor may not treat a payment on a credit card account under a consumer credit plan as late for any purpose unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21days before the payment due date. I NEVER gave TRANSUNION Reporting Agency OR XXXX any written instruction to furnish any information on my consumer report which is a violation of 15 USC 1681b ( 2 ). TRANSUNION Credit Reporting Agency has caused severe stress and anxiety due to its abusive and unfair practices. This is a violation of 15 U.S. Code 1692 ( a ) Abusive Practices,15 U.S. Code 1681b ( 2 ), and 15 USC 1666b to which there exists liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for XXXX XXXX per violation, for unauthorized credit reporting listed without my expressed written consent.
Product: Credit reporting or other personal consumer reports

I had a credit card with Navy Federal Credit Union fromXXXX until XX/XX/XXXX. NFCU closed the account because I was delinquent due to a XXXX. The account was reported, as expected, marked as closed. However, the creditor is continuing to ad a late payment each month, currently showing in excess of XXXX missed payments, as recent as XX/XX/XXXX. I believe this is an attempt to extend the reporting time on the account in perpetuity. Further, the creditor will not, despite my requests, to show a date in the account closed field of my credit reports. I believe the payment reporting must stop after the account is closed. The account is now out of the Statute of Limitations in Virginia ( XXXX  years, pursuant to VA XXXX XXXX ) so I believe it should be deleted from all reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX should not be reporting me as an authorized user on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.
Product: Credit reporting or other personal consumer reports

Experian is in violation of 15 U.S.C. 1693a ( 2 ) n per the FCRA. THERE are unauthorized inquires in my credit report
Product: Mortgage

i was o the pandemic XXXX XXXX XXXX XXXX XXXX XXXX and on the end of the period they just file those XXXX mouth as of late payment and bcus of it, today i am losing o lot of money bcus its been efect my XXXX XXXX, and on top of it they elso charge me all this late fee of top of {$9800.00}, what do i need to do to get all this demage fix it?
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/2024 XXXX XXXX XXXX XXXX XXXX, GA XXXX Email : XXXX To Whom It May Concern, Under 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 and 15 USC 1666B. 

XXXX XXXX XXXXXXXX : Acct # ending XXXX, XXXX : Acct # ending XXXX, XXXX, and any late payments from merchants have violated my rights. XXXX - XXXXXXXX XXXX XXXX XXXXXXXX Balance - {$5.00}, this is incorrect. 

This information is incorrect from XXXX. 

Late Payments aren't supposed to be on a consumer 's credit report and XXXX XXXX XXXXXXXX and XXXX didn't follow the proper guidelines to inform me about late payments on my account. By violating the guidelines of 15 USC 1666B - Timing Of Payments, They didn't send me any notice. They have ruined my credit score of XXXX points and I believe I was targeted. 

Best, XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA violations : inquires not mine XXXX  Inquired on XX/XX/XXXX On record until XX/XX/XXXX FCRA violations : accounts not mine XXXX  XXXXXXXX XXXX XXXXXXXX Potentially negative Date opened XX/XX/XXXX Balance {$270.00} Status Account charged off. {$270.00} written off. {$270.00} past due as of XX/XX/XXXX. 
XXXX  XXXX  Potentially negative Date opened XX/XX/XXXX XXXX {$4200.00} Status Account charged off. {$4200.00} written off. {$4200.00} past due as of XX/XX/XXXX. 
XXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Account charged off. {$1000.00} written off. {$1000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$4300.00} Status Collection account. {$4300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5300.00} Status Collection account. {$5300.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$5400.00} Status Collection account. {$5400.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX   Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2000.00} past due as of XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  Potentially negative Date opened XX/XX/XXXX Balance {$2000.00} Status Collection account. {$2.00}, FCRA violations : payments never late XXXXXXXX XXXX  XXXX Potentially negative Date opened XX/XX/XXXX Balance {$0.00} Status Open. 

FCRA violations : not my names XXXX XXXXXXXX FCRA violations : not my addresses XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXy XXXX XXXX XXXX TX XXXX, TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to a verification of some of the accounts listed on my report. They did and stated everything was verified. I did research after them and still found improper inaccuracies even after they did research. 

XXXX XXXX  bankruptcy and XXXX XXXX bankruptcy was verified to my account without being verified Account names XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX Credit Coll Account number : XXXX XXXX Credit Coll Account number XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account number : XXXX XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX Account number : XXXX XXXX Account number : XXXX In accordance with the fair credit reporting act XXXX Accounts : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have a right to privacy.

15 U.S.C 1681 Section 604 Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
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. 

( XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ( XXXX XXXX XXXX : XXXX, XXXX, XXXX : XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXXXXXX, 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.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: Mortgage

We requested to Green Tree Servicing to terminate PMI on our mortgage on XXXX XXXX because we have paid over 70 % out of the principle and PMI should be terminated immediately. The customer service told us that we have to do appraisal and we have to responsible cost of that to process any further on PMI request. As we do research the PMI should be automatically terminated after you paid over 22 % of the principle. Green Tree Servicing is trying to keep us paying on PMI which is technically illegal and they refuse on the process if we do n't do and pay for the appraisal first.
Product: Mortgage

I have been trying to get from Bank of America a satisfaction of mortgage from a mortgage that was paid off in XX/XX/XXXX. I originally received a satisfaction from the FDIC back in XX/XX/XXXX, but it was never filed at my county clerks office, so it still shows outstanding. LaSalle National Bank was the last bank it was assigned to. As per XXXX XXXX in the FDIC, since XXXX was acquired by BOA it is their responsibility to do so. They have refused giving different answers every time I contacted them to do it.. XXXX XXXX asked to have someone call her to get an explanation, but they refuse. I was told by BOA that XXXX XXXX has to get me the satisfaction, but they are no longer in business. When i received a letter answering my complaint to BOA they wanted a payoff, which I was able to get from XXXX XXXX in the FDIC.. After that was sent in it still was not enough.They said it wasnt paid to BOA. Of course it was n't. I have attached all the paper work from XX/XX/XXXX to XX/XX/XXXX.. The best part of this is that I found about this while I refinanced my mortgage through BOA. The title co gave an exception, that is why the refinance went through. I do n't know where else to go to get this done before I pass on. I need this satisfaction so my children call sell the home after I pass on..
Product: Credit reporting, credit repair services, 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. Experian is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item 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 item and delete it immediately in my report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$0.00}
Product: Debt collection

Hospital Services Inc. has violated x 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Experian continue to report the account listed as XXXX XXXX XXXX XXXX is reporting inaccurately. The account is listed as a charge off but when a creditor terminates an account any balance due over {$1.00} is due to the consumer therefore I can not owe this debt. Furthermore there are tons of inconsistencies like : Last Verified : XX/XX/XXXX XX/XX/XXXX Date of Last Activity : XX/XX/XXXX XX/XX/XXXX Date Reported : XX/XX/XXXX XX/XX/XXXX Closed Date : XX/XX/XXXX XX/XX/XXXX Creditor Type : Finance other than personal Credit Unions Account Type : Installment account Auto Loan XXXX Treatment of credit balances ; account termination. 
( a ) Credit balances. When a credit balance in excess of {$1.00} is created on a credit account ( through transmittal of funds to a creditor in excess of the total balance due on an account, through rebates of unearned finance charges or insurance premiums, or through amounts otherwise owed to or held for the benefit of the consumer ), the creditor shall : ( 1 ) Credit the amount of the credit balance to the consumer 's account ; ( 2 ) Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; ( 3 ) Make a good faith effort to refund to the consumer by cash, check, or money order, or credit to a deposit account of the consumer, any part of the credit balance remaining in the account for more than six months. No further action is required if the consumer 's current location is not known to the creditor and can not be traced through the consumer 's last known address or telephone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX I have tried this before and you sent me mail saying this isn't me but i guess i will try again. I have been trying to get these false information off of my credit report since XXXX. They are still reporting this stuff and severely hurting my credit. I have reached out to everyone i can possibly contact from the debt collectors to the credit agencies and nobody has been able to validate the debts or even update me on whats going on. I am so stressed out everyday checking to see if they email me or remove anything from my report but it has been a nightmare every since i saw this stuff. The debts are not mine. I have the same name as a family member and my information was compromised in the XXXX and XXXX data breach so i don't know what is really going on. The yare violating the fair credit reporting act it has been over 65 days and i'm still suffering this nightmare. Please get them to react to my disputes.
Product: Debt collection

Michael J. Scott filed charges against me in the Justice Court several years ago. Judge XXXX XXXX was presiding and she dismissed the case after determining that it was not my debt. Now Michael J. Scott & Associates are once again trying to threaten and intimidate me trying to get me to pay the debt in the same case that Judge XXXX XXXX dismissed.