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

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an account with XXXX XXXX. Originally, it was a revolving line of credit. Recently, I renegotiated terms with the bank to convert it into a fixed loan. Experian, despite 4 attempts to make them read the note from the bank, fails to update the account to reflect it as a loan instead of a revolving account. Additionally when the method of verification has been requested the last two disputes, Experian has failed to provide their method of verification within any time frame, let alone the 15 days set forth by FCRA. When I request that the report be deleted, Experian also refuses to do that. What do they do out of curiosity? They are violating federal law by reporting this inaccurate and untimely information on my file. If that wasn't bad enough, they violate federal law again with impunity as they refuse to recognize my request for method of verification and when called out on it blatantly continue to violate the law by not removing the now unverified account.
Product: Credit reporting or other personal consumer reports

Im honestly shocked and confused by the fact that there are inaccurate accounts showing up on my credit report today. I routinely monitor my credit report, but this time there were errors that seemed to appear out of nowhere. I even tried refreshing my browser in hopes that it was just a glitch, but the errors didnt go away. Its frustrating that the inaccurate accounts didnt disappear. I'm requesting that the documents I sent be reviewed thoroughly so I dont have to worry about this happening again.
Product: Vehicle loan or lease

Today date XX/XX/XXXX I am writing to formally dispute the accuracy of two accounts reported by United Auto Credit Co on my credit report. These accounts are inaccurate and must be removed immediately due to violations of 15 USC 1681e ( b ) of the Fair Credit Reporting Act ( FCRA ), which mandates credit reporting agencies to ensure maximum possible accuracy. 

Account Name : United Auto Credit Co Account Number : XXXX Balance : {$7100.00} Highest Balance : {$9200.00} Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Remarks : Profit and Loss Writeoff Account Name : United Auto Credit Co Account Number : XXXX Balance : {$7100.00} Highest Balance : {$9200.00} Open Date : XX/XX/XXXX Last Activity : XX/XX/XXXX Remarks : Unpaid Balance Reported As A Loss By Credit Grantor The dealership associated with these accounts is known to have engaged in fraudulent activity and scammed numerous individuals by using their personal information without authorization to create fraudulent auto loans. I have never visited the dealership or authorized the opening of these accounts. The dealership has since gone out of business due to these unethical practices, further demonstrating the illegitimacy of these accounts.
Product: Debt collection

This is pertaining to XXXX XXXX XXXX XXXX. I enrolled with XXXX XXXX XXXX in XX/XX/XXXX. At that time I had 50 years driving experience and no points on my record. In XX/XX/XXXX I was rear ended by a XXXX that drove off and my car was totaled. XXXX did not investigate the accident being that it was in downtown XXXX with cameras everywhere which they could have easily done and I requested. I had pre-existing medical conditions, retained an attorney and was placed on medical leave. XXXX referred my case to Investigations, accused me of causing the accident which I still don't understand the rationale and made numerous derogatory harassing insinuations. I had no choice but to continue with XXXX who continually increased my premiums from {$200.00} to {$370.00} per month. In XX/XX/XXXX I could no longer afford the payments. The term was XX/XX/XXXX through XX/XX/XXXX. I made all the payments through XX/XX/XXXX. Being that insurance payments are paid in advance of coverage this covered XXXX through XX/XX/XXXX. XXXX canceled the policy XX/XX/XXXX. I insured with another agency XX/XX/XXXX. 

Since then XXXX has been sending me bills for {$360.00} alleging the XXXX bill. They placed a derogatory rating on my credit report. I disputed the item with XXXX and XXXX has never substantiated the item. Since then XXXX has referred this to Caine Webber Collection Agency who proposed an alleged settlement. When I disputed the amount with them. They sent a XX/XX/XXXX bill. I told them my last payment was in XX/XX/XXXX and then the insurance was canceled. They asked me to substantiate that I had insurance with XXXX. I asked them not to contact me again. I never gave them permission to contact me on my personal email.
Product: Consumer Loan

CNAC - FL118 Never validated the debt and my request how the loan was written off and negative information needs to be removed from my credit files
Product: Credit card or prepaid card

I began receiving pre-approval notices for various credit cards and loans from credit karma. After filling out all of the necessary information as requested, I was denied. There were many hard inquiries made to my credit report that negatively affected my credit score. Many of these inquiries were made without my knowledge and I kept receiving pre-approval notices even after I was denied. I was then lead to believe by credit karma that these hard inquiries could be removed by filling out more information which then more hard inquiries were made to my credit score and the hard inquiries were not removed and more were added. My score has dropped considerably due to this fraudulent misinformation. Now I don't know what to do to have these inquiries removed and have my credit fixed as I was lead to believe by credit karma.
Product: Vehicle loan or lease

This was not sent is error i am a consumer by law and my information as misused and now i have some flase not 100 % accurate accounts on my credit report. Unauthorized use of my credit report. 
EXPERIAN and the account name is XXXX XXXX balance {$2800.00} account # XXXX 30 days late in XX/XX/2021, XX/XX/2021, and XX/XX/2021.
Product: Debt collection

To whom it may concern XXXX XXXX XXXX. also known as XXXX XXXX XXXX 
They have been calling me all hours of the day and I don't know if it's a scam or somebody used my social I don't know if it's real they're trying to bill me for {$1.00} XXXX
Product: Debt collection

This bill was paid by my insurance two year ago 2014, company try to double dip on invoice paid by my insurance and send bill to collection. I refused to paid any XXXX especially when bill already paid. Need this collection agency to stop harassing me on the phone and by mail. I am on " Do Not Call '' list and there calling me any hours of the days and nights.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of certain fraudulent accounts and inquiries from my credit report as outlined below. I am a victim of a data breach and have identified these accounts and inquiries as unauthorized. Under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have this information removed. 
Fraudulent Accounts : XXXX XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXXXXXX Account # XXXX Opened XX/XX/XXXX Balance : {$550.00} XXXX  Account # XXXX Opened XX/XX/XXXX Balance : {$2100.00} Unauthorized Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

I tried to close my Citibank account via chat as I had switched my primary bank account relationship to XXXX XXXX, which is a good bank with good people and processes. In the chat, I indicated the specific account number and made my request clear. The live chat representative asked if I would like a check or a transfer for the remaining balance in my account. I replied saying check. In my reply I asked a confirmation that my credit card account won't be closed ( which I assumed it would not be since the chat previously asked me to confirm which account I was talking about and I selected my checking account ). At some point I exited the chat and didn't see the follow-up message from the rep which asked for a confirmation of my contact information in my account profile ( which was up-to-date ). 

I later realized that I had continued to be charged $ XXXX/month for a low balance. I signed on to chat again, because I didn't want to wait on hold to speak to someone on the phone nor risk getting COVID-19 by visiting a branch. I was told that because I didn't confirm the contact information ( a message I *never saw because I had left the chat by then* ), they had ignored my request. At this point I'm requesting a closure of my account and a full refund of all 8 monthly service fees of {$25.00} ( total of {$200.00} ). If Citi really wanted additional confirmation that I wanted to close my account ( beyond my writing " yes could you send a check, that'd be great '' ), they could have called me, emailed me, texted me, etc. But they didn't, despite my providing an unambiguously clear indication that I wanted to close my account. I think this is a trick and effectively a fraudulent way for them to keep my account open and charge me fees. This is akin to being asked " hey did you want your check in a green or blue envelope '' after the account holder leaves the chat and using that to justify keeping an account open because the customer never answered what color envelope they want their check in, despite the customer 's written request being unequivocal. 

In addition to the compensation I am requesting to make me whole for Citi 's deceptive behavior, I believe that Citi should be required to change its procedures so that this doesn't happen to any other customer in the future.
Product: Consumer Loan

We purchased a CPO BMW from XXXX XXXX XXXX. Since then my vehicle has been in and out of the service department at least 9 times since XXXX of this year. I was told it was a gas tank that was replaced the first time after I was told that there was not even one tank in the world but keep driving on it although it was burning gas. BMW Corp office contacted me after I emailed everyone I could locate and offered me a XXXX customer loyalty check. After I accepted the check and believed my car to be repaired, I received an email that my vehicle gas tank had arrived to the service department. Via email I questioned BMW because my engine light came on and I received the email, that the part had arrived after I was told and only signed under the impression that it was on. The XXXX XXXX the contact said it was an error but within a couple of months the tank was again replaced due to the engine lights. I was not able to work my husband was XXXX with the military and now we are falling behind in paying the vehicle whose light has come on and serviced 6 times since XXXX. They will not take back the vehicle and are now giving us a hard time telling us to trade it in, but if you trade it in they can read the key and see all the repairs and they are now saying it 's worth XXXX less than what I owe. Please help resolve this. The vehicle is not safe we have corporates for months and the lights keep coming on and it is affecting my job and now I am falling behind. I have emails and service records to document this on going battle.
Product: Debt collection

A lawsuit was filed against me by Pressler & Pressler Law office. I was never notified stating that a lawsuit would be taken if debt isnt settled. I found out via an already filed suit.
Product: Credit reporting, credit repair services, or other personal consumer reports

We attempted to freeze online our credit reports with all 3 major credit agencies. But only XXXX   plays a fair game, making this action easy for me and for my wife. 
Equifax and XXXX sabotage our requests. And to add insult to injury, they forced us first to fill a long forms online, provide all individual information, SS # included, email, cell phone numbers, set up user names, passwords, PIN numbers. At the end they state that " at this time we are unable to process your request .... '' Phone calls are pointless waist of time as computerized program request same info again.
Product: Debt collection

Moved from apartment and paid everything that was owed. Two months later, got a letter from IQ Data International saying I owed {$45.00}. A month later, got another letter from IQ Data International , Inc., saying I owed {$95.00}. I wrote a letter disputing the debt and asking for a verification from the apartments. A month after that, got another letter from IQ Data International , Inc., saying I owed {$150.00}.
Product: Credit card

On XX/XX/XXXX I noticed an email form Discover that said my credit card limit had been reached. I hadn't used my credit card in months as I was just trying to make the payments and not rack up anymore debt. Now, this part is my fault but I hadn't been logging in to check my statements because I hadn't been using my card, but when I logged on there was about {$3000.00} ( including interesest ) spent on that card that I did not do. I called Discover immediately on XX/XX/XXXX and went through the purchases I made and didn't make. They informed me to file a police report. I called the non-emergency police in XXXX, XXXX and filed a report. I gave him the information I had and then later dropped off a list of all the fraudulent charges to the police department. I am still in possession of the card, so the police officer believed my card had been skimmed. At this point it was just a waiting game. Discover had immediately began reversing the charges for me in XXXX. As of XX/XX/XXXX I noticed they put all the charges back on. I called them today, XX/XX/XXXX and asked why. She informed me that they had decided this wasn't fraudulent activity because I am still in possession of the card and that the " sequencing of purchases '' continued after the fraud was reported. She informed me she could reinstate the fraud claim, but in the meantime I should check in with the merchants for any information ( I'm not a cop can I even do that? ) and check back in with the police to see if they have any video evidence that it wasn't me. I will be contacting the police department again today, XX/XX/XXXX to try to get more information, but I am confused. I did not make these purchases and discover is not helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. 
These are the items I demanding to be deleted immediately : 1. Validate this false charge off it does not belong to me XXXX XXXX Account Number : XXXX As a consumer by law this must be deleted immediately 2. Validate this false charge off it does not belong to me XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately 3. Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 
XXXX  XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately 4. Validate this false charge off it does not belong to me XXXX XXXX XXXX  Account Number : XXXX As a consumer by law this must be deleted immediately
Product: Credit reporting or other personal consumer reports

They are been using my name and my social for no reason I dont recognize those inquiring
Product: Student loan

I graduated in 2016 with a degree in XXXX Studies. Since graduation I have struggled to pay the minimum monthly payments of around {$1200.00}. It has constrained me so much financially that I am unable to move out of my moms apartment, unable to relocate when offered by my company, unable to be independent for the foreseeable future and unable to contribute to the community and economy as a consumer or investor. It has severely impacted my mental well being to a point where I question the value or meaning of my own life if I can never get out from under this debt. I am in desperate need of relief from the monthly payments that disable me from financially investing in any other part of my life. My loan service company is Discover Student Loans. I have pleaded with this company, applied for hardship assistance ( a program which is only allowed per borrower a limited amount of times despite an unchanging financial situation ) and applied for consolidation, only to be denied the help I need or would otherwise not ask for. I want nothing more than to pay these payments on time and in full but I need HELP. I need someone to work with me. So I can actually live my life. Discover Student Loans is predatory, lacks empathy and does not care about the well being of their consumers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the XXXXCredit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Checking and savings account charged undue fees. overdraft charges. availability of money due to overdraft charges
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNTS LISTED DO NOT NOT BELONGS TO ME SOMEONE USE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN FRAUDULENT ACCOUNTS IN MY NAME WITHOUT MY KNOWLEDGE I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX  CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit card or prepaid card

So I made a donation to a teacher 's thing with my best buy card. I had a targeted {$25.00} best buy certificate with {$500.00} in spend so I decided to use my Best Buy card. 

When I logged in it said no interest with payments for 6 months. I know the best buy card is either good for no interest for x amount of time or points. Not both. I wanted the points. I have never signed up for a deferred interest item in my life. I called the number on the back of the card and got bounced around for about XXXX hours. Then got a rep that could talk to the back office but they couldn't fix it and that was another XXXX hours
Product: Credit reporting or other personal consumer reports

I hereby address the Consumer Financial Protection Bureau for help on the permanent removal of an old authorized user account that is still showing on all of my credit bureaus from XXXXXXXX XXXX. Back in XXXX my boyfriend at that time placed me on his account to help me build my credit scores. We terminated our relationship in XXXX. I asked him to be kind enough and remove my name from that account, as I was never a responsible party. His name is XXXX XXXX, and he claimed that he removed my name as an authorized user back in XXXX. This account is still on each credit bureau, and I need it removed permanently. 

XXXX XXXX
Product: Debt collection

In XX/XX/XXXX, I pulled my credit and discovered a tradeline for LVNV Funding LLC/Resurgent Capital Services for an account I do not recognize. I immediately contacted this company in writing and advised I am disputing this debt and they need to provide me with validation of the debt. They failed to respond. I pulled my credit again in XX/XX/XXXX and their tradeline is still there. I contacted them again in writing demanding they delete their tradeline and cease collection activity due to them not providing validation within the 30 day time frame they had from the initial correspondence I sent to them. They have not responded. 

They did however respond my credit bureau dispute as " verified as reported ''. How can they legally claim this is verified to the credit reporting agencies, but they have ignored my request for validation for the past 7 months? They are required to provide me with proof of this debt by law upon receiving written request within a reasonable time frame or they no longer have a right to report this or collect on it. 

This company has never sent me a notification advising of this debt and has never provided me with my right to dispute/validate. This company is in violation of the FDCPA and the FCRA. They need to be investigated. I will also be filing a XXXX and attorney general complaint as well as seeking legal action for their unethical business practices.