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

I asked the XXXX credit reporting agencies to do a thorough verification of what is on my credit report. They stated everything was accurate and a door research I did a thorough research myself and I found improper and inaccuracies on the credit report Even after they did their investigation. 

In accordance with the fair credit reporting act XXXX XXXX # XXXX date opened XX/XX/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 604A section to it also states a consumer reporting agency can not furnish an account without my written instructions. 


In accordance with the fair reporting act XXXX XXXX XXXX XXXX # XXXX XX/XX/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 604A section to it also states a consumer reporting agency can not finish account without my written instructions. 
The Credit Reporting agencies did not do a Thorough investigation. 

On XX/XX/XXXX I filled out XXXX application on the XXXX XXXX app for a {$5000.00} loan for the XXXX XXXX XXXX They denied the loan I have an email with the denial. Somehow they kept my application open and recycled the loan document and funded the {$5000.00} loan without my permission and XX/XX/XXXX. I never gave them permission to use my signature for another application. I called the XXXX XXXX they only have a signature from XX/XX/XXXX and they said that it was an electronics signature. They do not have a signature for that XX/XX/XXXX loan. I am immediately reverse the money And sent it back to XXXX XXXX on XX/XX/XXXX. I called them let them know that I did not take out a loan and I do not want their money. The bank manager wrote a letter for me stating that I never touch the money and gave me the federal trace ID when I sent the money back. XXXX XXXX wanted me to pay a {$470.00} Origination fee for their loan. Since Ive never took a loan with them Im not responsible for the origination fee. I hired an attorney to write a letter to XXXX XXXX explaining that I did not open alone with them. They will not listen to me and they charged off the loan then sold it to XXXX XXXX XXXX for {$470.00} but XXXX capital can not produce any documentation with my signature on it. When I look at the credit report XXXX XXXX XXXX says this loan came from web bank when it came from the XXXX XXXX I have been fighting with them for over a year to get this taken care of. XXXX and Experian have removed XXXX XXXX from my credit report but XXXX XXXX is keeping it there they said its verified but they do not have a copy of the original contract for the XXXX XXXX.
Product: Checking or savings account

I'm a BBVA ( now PNC ) customer. My company ( about $ XXXX/yr ) was already at PNC so I thought this transition would acutally be helpful, having it all under 1 roof. I recieved information & instructions about the transistion and all looked good. I received a new ATM card that I was told to activate. Little did I know that my old ( BBVA ) card would be cancelled at that point. The new card didn't work citing 'chip malfunction ' in the store. I tried to go online and was ( as expected ) redirected to PNC. The old credentials didn't work as they said it would so I had n access to any of my accounts ( checking + savings ). Called customer service which went to a call center ( sounded like XXXX ) and was hung up on after 14 minutes listening to elevator music. Looked for a local branch to visit in person, found one nearby ( XXXX AZ ) which turned out to be a solution center, so I thought yay. The banker (? ) told me he would fix it. Got a new ATM card right there, checked it right away in the ATM there and seemed to work. Online access got fixed too but the phone App did not. Alas, at least I would access my account and use my card, after 2 weeks. He wrote my account number on his businsess card so I would modify all my bill pay, including my accountant for my paycheck. 
Also I noticed I got overdrafted because I had no access to my accounts ( saving had $ XXXX in ). 
WAs unable to link new ATM card to XXXX XXXX, said I need to call customer service. I gave up on that one. Quickly moved {$260.00} or so to undo the overdraft. Few days latwer I checked there was still {$0.00} overdraft. I couldn't fix this because the minimum transfer is {$0.00}. 
Noticed 1 day after payday that my paycheck wasn't there. Came to realize that the account number that the banker gave my was a completely different number from what I could see online. Fortunately paycheck bounced and didn't go to a strangers account. Had to move more $ out of savings to be able to pay bills on time. 
Went back to the XXXX XXXX ', got a cashiers check for my savings acount ( $ XXXX ) and deposited it at a new local bank, at least that worked, yay Fortunately I downloaded most bank statements ( from BBVA ) as PDFs ( except XXXX ) so at least I have most history, because that got lost too. 
I've work in XXXX and this is by far the most incompentent bank I've ever dealt with. Whatever I've written isn't embellished in any way.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I authorized XXXX to pay {$210.00} to XXXX XXXX for my XXXX card. On XX/XX/year>, I authorized XXXX to pay {$92.00}. XXXX XXXX claims they never received the payment. I requested proof from my bank and I sent that proof to XXXX XXXX. I sent a copy of the check ( front and back ) that they cashed. They received the check for {$92.00} but have not cashed it. I preferred to not send another payment until they admitted they had cashed the first check. I've filed several grievances/disputes with them to no avail. They continue to say they never received the payment. I've spoken to many agents since and now they say that if I don't pay them they'll charge off my account which I don't want. 
Thank you
Product: Debt collection

For the past 4 months, I have reached out to XXXX XXXX, XXXX via certified mail regarding the {$1200.00} they say I owe. I have informed them over and over this is not my account. I have requested documentation verifying this account and they have yet to furnish me information verifying this debt. Additionally, they have not reported to the credit bureaus that I have been disputing this debt. Their lack of accuracy is causing me to have major credit issues, including disqualifying me for credit as well as causing me to accept higher interest rates.
Product: Money transfer, virtual currency, or money service

I made a purchase of sneakers via Afterpay. I completed all of my payments, but returned the sneakers ultimately to the manufacturer. 

I was told Id receive my refund once the product had been verified returned, but the processing may take up to ten days.

Its been 19 days now, I have reached out to Afterpay consistently, with no response. I have not received my refund, and Im worried as Afterpay does not provide a XXXX number for direct communication and theyre based in XXXX. 

Horrible experience.
Product: Consumer Loan

My vehicle a XXXX Dodge Dart was totaled on XXXX/XXXX/2015. The XXXX insure paid XXXX on XXXX/XXXX/2015 and my Gap insurance paid a total of {$5800.00}. I should of gotten back {$680.00} from Chase bank. Instead the a reporting on my credit report me as being delinquent XXXX. I never got a final bill or itemization even after I requested one several times.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$600.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$870.00} INQUIRIES : XXXX XXXX - XX/XX/XXXX XXXX  - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

am extremely frustrated and disappointed that I am unable to retrieve my credit report despite numerous attempts to do so. This is not only illegal but also a complete disregard of my rights as a consumer. 

As someone who values financial responsibility, I make it a priority to regularly check my credit report and ensure that everything is accurate and up-to-date. However, due to the credit bureau 's neglect and disregard for their responsibilities, I am unable to access my credit report, leaving me in the dark about my credit standing. 

This is completely unacceptable, and I demand that the credit bureau take immediate action to rectify this issue. As a consumer, I have a legal right to access my credit report, and any attempt to deny me this right is a violation of the law. 

Furthermore, the credit bureau 's neglect is not only inconveniencing me but also potentially damaging my financial future. Without access to my credit report, I am unable to take the necessary steps to correct any errors or inaccuracies, potentially resulting in a negative impact on my credit score and financial well-being. 

I demand that the credit bureau take my complaint seriously and take immediate action to rectify this issue. As a responsible consumer, I have taken the necessary steps to ensure that my credit report is accurate and up-to-date, and it is unacceptable that the credit bureau is neglecting their responsibilities and denying me access to this information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below listed INQUIRIES by the Original Creditors, who have reported these inquiries within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know. 
Therefore, these below disputed inquiries must be deleted .... 
XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX XXXX XXXX Miscellaneous and public record Inquiry date : XXXX XXXX, XXXX EQUIFAX MORT Miscellaneous and public record Inquiry date : XX/XX/XXXX EQUIFAX MORT Miscellaneous and public Inquiry date : XX/XX/XXXX Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
XXXX XXXX XXXX XXXX Original creditor : XXXX  XXXX XXXX XXXX  XXXX {$1300.00} Balance updated XX/XX/XXXXBalance updated XX/XX/XXXXLikewise, these Public Record are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 
US BKPT CT MO XX/XX/XXXXC Account Info Reference Number XXXX Court Bankruptcy chapter XXXX Original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FAIR CREDIT REPORTING ACT ( FCRA ) of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy, 15 U.S. Code 1681b Permissible Purpose. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation pursuant to 15 U.S. Code 1681a. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). REMOVE ALL THESE INQUIRIES THAT ARE FRAUDULENT LISTED IN THE ATTACHED DOCUMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

2020 refused pandemic help. Refused unemployment. Slandered my background and deined me assistance because I wasnot equipment with how to correctly handle my llc  position and didn't know where to find help
Product: Credit reporting or other personal consumer reports

After checking all three of my credit reports I noticed on all reports it showed this account that I have with this credit card company was a pay to delete account that I requested and also upheld my end of the arrangement by paying off in full over two years ago in counting. Not only did the credit company update the account as paid and closed they DID NOT remove this account off NONE of my three credit profiles with XXXX, XXXX and Equifax and this account was also charged off meaning they were made twice for this account, once by me and the other by IRS. I also never received my 1099 in the mail for this debt that has been paid twice for this account XXXX that has been paid for already. In According with the Fair Credit Reporting Act the following companies previously listed above has violated my rights. 15 USC 1681-602A states I have right to privacy. 15USC 1681-604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter multiple times to TransUnion, XXXX, and XXXX. Here are my tracking numbers : XXXX XXXX : XXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXX. However, it has been more than 30 days and I have not received a response regarding my investigation. The status date on my credit report has not changed, which means they are clearly not investigating the accounts. 

I am aware of my consumer rights and demand that all accounts that are negatively affecting my credit rating and violating my consumer rights be removed or blocked from my credit report. I will pursue damages for each account that is in violation if not updated.
Product: Credit reporting or other personal consumer reports

PLEASE REMOVE ALL ACCOUNTS. MY INFORMATION WAS EXPOSED DURING A DATA BREACH. UPON LOOKING AT MY CREDIT REPORT FOR EXPERIAN, EXPERIAN IS VIOLATING MY RIGHT TO PRIVACY. UNDER THE FAIR CREDIT REPORTING ACT ( 15 U.S. Code 1681 ). I HAVE A RIGHT TO PRIVACY. 
MY INFORMATION AND ALL LISTED ACCOUNTS BELOW HAVE BEEN AFFECTED IN A DATA BREACH. I HAVE NO KNOWLEDGE OF THAT I HAVE NOT IN ANY WAY SHAPE OR FORM SEEN. PLEASE DELETE THESE ACCOUNTS. 


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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Prepaid card

So, I bought from this website on XX/XX/XXXX that was sketchy and then there website disappeared and nothing came to me that it was shipped so I opened a case to dispute it and a couple weeks after so ten days after it got shipped but the website isn't still there. I tried reaching out and saying like hey you can dismiss the case and uphold my card cause I figured it out but I can't even contact them. The transaction was from XXXX XXXX it was like XXXX $
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights under 15 USC 1681. 
I am not accepting responsibility for any of the below accounts however my attempts at removal due to the nefarious acts of others have gone unnoticed. Several of these accounts that have reached the 7 year mark have been hurting my credit for almost 10 years through no fault of my own and should be removed at once. Again, I will list in detail the aforementioned accounts below. 

1. XXXX XXXX XXXX ( reporting over seven years ) Account number XXXX This company is adding on time payments, that never occurred, to keep this active on credit report. This should have been deleted as the account was opened by fraudster in XXXX. The perpetrator defaulted over 7 years ago. I have tried many times to fight this and now the account has passed 7yr tenure for reporting. 

2. DEPT OF EDXXXX ( reporting over seven years ) ( 11 Accounts with same account number in different amounts ) XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 9. XXXX XXXX XXXX XXXX XXXX XXXX - This account was opened fraudulently through identity theft and documentation has been submitted to show this. Account removed from XXXX, still reporting through XXXX and TransUnion. 

Credit reporting laws violated are listed below -- 15 U.S.C 1681 Section 602 A states I have the right to privacy. 
604 A Section 2 - States a consumer reporting agency can not furnish information without my written instructions/consent. 

15 U.S. Code 1679c - Disclosures - The credit bureau must remove accurate/inaccurate, negative information from your report if it is over 7 years old. 

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

I contacted my present mortgage holder, Wells Fargo, to inquire about refinancing my mortgage. The representative name was XXXX XXXX. We discussed details and I decided not to refinance. I never unlocked /unfroze my credit history for XXXX to view. My XXXX credit report shows a hard inquiry by Wells Fargo on XX/XX/XXXX the day that XXXX and I spoke. I spoke with XXXX last week and he agreed there should be no hard inquiry from Wells Fargo for our discussion. The XXXX website states that I can not dispute a hard inquiry at their Dispute center. A hard inquiry effects my credit score. How to I fix this hard inquiry error?
Product: Credit reporting, credit repair services, or other personal consumer reports

So I recently pull my credit and i noticed a few accounts showing onmmy credit report that i do not have any knowlege about. Before reaching out to XXXX, Transunion and XXXX, I call each company to report what happen. I am a victim of Identity theft. I have never done any business with these companies. I then called the credit bureaus and they said i need an FTC report. I have attached the report along with my Drivers lincense and Social security card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to Experian, XXXX, and XXXX yesterday XX/XX/XXXX via phone call. XXXX had me on hold and transferred me 6 times and hung up in my face. I have told them to remove false information and account information from my credit report. The send a automatic generic response and ignore any violation to myself and the law. I called them today and the representative I spoke with was of no help and refused to handle my request as I stated. I will be taking this to the highest level possible and charging for every violation if this complaint does not render the solution I desire. I have not and do not consent to any of the misinformation to be reported under XXXX5 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.
Product: Payday loan, title loan, or personal loan

On or about XX/XX/XXXX Title Max repo my and my spouses XXXX XXXX XXXX the vehicle loan was in my name only and NOT my wifes therefore she has rights to said vehicle in that she is NOT a co-borrower she personally contacted Title Max on XXXX XXXX in XXXX Mo and advised them she intended to pay Monday XX/XX/XXXX and the Manager at said location said ok and verbal agreement was entered. However the highway robbery XXXX company Title Max lied and repoed said vehicle in my opinion stole it and violated Missouri Law and possibly Federal Laws in that my spouse was under No obligation and it is half hers therefore she has legal claim to said vehicle she is seeking a court order stating this and she will be filing a lawsuit against Title Max in that she has phone record of said verbal agreement and has legal claim to vehicle.
Product: Payday loan, title loan, personal loan, or advance loan

XXXX XXXX came to us and sold us solar panels. they said our electric bill would be in the low double digits, and that we need XXXX or XXXX panels. This is based on the energy usage of our current air conditioner. I informed XXXX, the salesman, that the A/C is XXXX XXXX XXXX. he took my Income tax return, checked my credit, and qualified me for a XXXX loan. They did not discuss the contract with me. after a few months Other solar companies advertised on XXXX the installation of solar panels with new A/C in the package. My light went on and I realized that they overcharged me and installed too many panels based on an old air conditioner. I contacted XXXX several times and on 2 ocasions he promised to try and help me with a new air conditioner. So far, that did not happen. Once I realized that GoodLeap Financial was charging interest only, I questioned why they also did not go over the lease with me. i did not know I had three days to cancel. Both XXXX XXXX and GoodLeap told me that I am qualified for a 26 % or {$11000.00} credit. They both told me to get the {$11000.00} and do what I want with it or put it towards the loan and I I do not put it towards the loan then my payment would increase from {$70.00} per month in 18 months to {$180.00} per month. So far, the retired IRS agent who filed my XXXX taxes asked me " Who lied to you ''. I complained to both XXXX XXXX and Good Leap and they said I have 5 years to file. When I filed my XXXX taxes I used a paid service and they told me that the government does not give money back. They use it as a credit towards my total income and lower my taxable amount. We are still not qualified due to our income. Both XXXX XXXX and Good Leap are aware. Our monthly payment is $ 189 monthly. Our electric bill last month was XXXX plus dollars. Our lives are now miserable. We are begging GoodLeap to lower our payments or come and take their panels which are of no use to us anyway. In XXXX, I begged them to let me pay {$76.00}, they received {$76.00}. I am no longer able to access my account with GoodLeap. This month we paid {$110.00} or so. They said we will be paying {$180.00} after this month. We are not able to make that payment. This is due to the lies and tricks of XXXX XXXX and Goodleap. Neither GoodLeap nor XXXX XXXX has reviewed their leases with us. My husband did not even sign their electronic stuff and I am not sure if XXXX XXXX electronically signed the contract on their own.