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

I have several complaints about my credit file, which contains information that is either partially right or completely incorrect. The file is missing information in most cases, and I believe the information contained in these files to be inaccurate. 
So I want to dispute entire file. It also has some inquires that I want to dispute whose origin is unknown to me. 

My car payment were made to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX I made all my payments on time, starting in XX/XX/XXXX to about XX/XX/XXXX, for over a period of 3 years with no lates. It was about XXXX per month. But I only see a partial file. I paid a total of XXXX with {$4100.00} for a finance charge, while XXXX of it was for the car. I was always on time with my payments and missed none. Part of those payments are missing from my file, my file does not reflect that. 


XXXX XXXX XXXX has me down as a cosigner, I did authorize them or give them permission to use me as a cosigner nor have I sign a contract with them. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX Who are these people? 

XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX   XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XXXX XX/XX/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
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to have verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

AS A CONSUMER I AM SUBMITTING THIS REPORT TODAY. THE CREDIT REPORTING AGENCIES XXXX, XXXX, EXPERIAN, XXXX, XXXX, XXXX, XXXX AND XXXX HAVE VIOLATED 18 USC 1028A, WHICH PROHIBITS AGGRAVATED IDENTITY THEFT. THIS VIOLATION OCCURED WHEN THESE ENTITIES FURNISED INFORMATION WITHOUT MY CONSENT. INCLUDING THE FOLLOWING INQUIRIES 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 ON MY CONSUMER REPORT XXXX ADDITIONALLY, THEY HAVE CONTRAVENED 15 USC 1681B, which outlines the permissible purpose of consumer reports. I have requested Form SSA-89 from 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  WHICH IS A FORM THAT SHOULD BE FILLED OUT, THEN SIGNED BY THE CONSUMER ( MYSELF ) AS PROOF OF APPLYING FOR THE SAID CREDIT. THE CREDITOR THEMSELVES DO NOT HAVE SUCH DOCUMENTATION AS THS, WHICH MEANS THEY HAVE FAILED T DO THEIR JOB AS A RESPONSIBLE CREDITOR AND KEEP SUCH FILES IN THEIR RECORDS FOR THESE REASONS, SO THAT IF IT IS REQUESTED WE WILL KNOW WHO, WHAT WHDEN AND WHERE TO PROCEED ON SAID CASES AS THIS IN THE EVENT OR FRAUD AND IT IS DEEMED AS SO MY PRIVACY HAS BEEN VIOLATED AS WELL XXXX!!!! IAM NOW TRYNG TO PURCHASE A HOME AND THIS IS THE ONLY ITEM NEGATIVELY AFFECTING MY CREDIT IN THIS CASE. PLEASE REMOVE IN THE 1-4 BUSINESS DAYS AS THE DISPUTING TIMEFRAME HAS BEEN ELAPSED AND THE SAID FORM NOT RECEIVED. THANK YOU FOR YOUR PROMPTNESS.
Product: Money transfer, virtual currency, or money service

I sent a total of {$2300.00} to a business named XXXX XXXX XXXX via XXXX ( XX/XX/XXXX {$950.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$400.00} ) to receive a business loan, however I was scammed and never received the money. I also would like to point out that I went into a Chase branch and showed them Chase documents that the scammer sent to me regarding the wire transfer, and was told by the banker that the documents were indeed legitimate. After trusting the banker I felt comfortable sending the funds, believing this was a trustworthy transaction. I tried contacting Chase to see if they could reverse or refund the charges, however they only pointed to the terms and conditions of XXXX and said it was non-refundable. They did not try to help at all in retrieving the money or finding a way to dispute the scam. I was told that it only should be used with small amounts and to family, friends, etc. XXXX nor Chase bank makes this information easily accessible and in the end the only person that loses out is the customer/victim.
Product: Checking or savings account

I've filed a complaint with XXXX XXXX  at PNC ( Complaint Id XXXX ) and no one ever respond. 

I received an email on XX/XX/XXXX ( see attachment 1 ), said I could receive {$15.00} e-gift card after make two bill payments. I've already made 5 bill payments ( see attachment 2 ), but didn't receive any gift card.

I contacted customer twice. First time, the agent asked me to wait ( see attachment 3 ). Then I waited for another month. The second time I contacted customer service, I was told that this promotion was from last year, and any bill payment after XX/XX/XXXX does not qualify ( see attachment 4 ). This is ridicilous since I don't even have my account open at that time. How could I receive the promotion email?

Please investigate this issue and issue the {$15.00} e-gift card for me. Thank you.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. 
Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history. ''
Product: Credit reporting or other personal consumer reports

I am writing to report identity theft. Someone named XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, LA XXXX has been using my credit information for loans, most recently student loans. XXXX XXXX XXXX XXXX Nelnet XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. Two student loans opened on XXXX XXXX 2024 for {$1700.00} and {$3000.00}. Please help and cancel these accounts that are in MY name! The company is Nelnet Student Loan!
Product: Debt collection

Rocket Mortgage engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on for them to report to 3 credit bureas. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights. Due to them reporting this late payment i have been denied credit cards, car and house loan and I am about to be homeless. I have not been late since i got the account with them. They have made an error in reporting the account late i have been on time. They have defamed my character and I have to go to therapy due to them stopping my lively hood of me being denied credit from every creditor because they see this late payment reporting. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1986 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/1986 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act Account name : 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 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  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, credit repair services, or other personal consumer reports

I previously sent three dispute letters to Experian to get a few unverifiable accounts removed from my credit report. I have sent Experian copies of letters that I received from the companies that they are reporting that I have charge-offs with stating that I don't any outstanding debt with them. As a result of me sending the last three dispute letters to Experian they are now telling me that they will not reinvestigate the same dispute again at this time and if I believe the item is inaccurate then I need to contact the original creditor but at the same time, I've sent them copies of the letters from the original creditors stating that I don't have any outstanding debt with them.
Product: Credit reporting or other personal consumer reports

I have no knowledge of this XXXX  account, and no knowledge of how it was opened.
Product: Credit card

On XXXX, around XXXX XXXX  I was tried to make an online payment to Citi card to pay my monthly CC payment. After I hit submit, I received a message on their site saying " We had a technical issue submitting your payment ''. I signed out and tried again to submit payment. I got the same message. Next, I went on my phone to use their App to submit payment. Again, I receive a similar message. Obviously, I couldn't submit a payment before XXXX as a result Citi applied a late fee and interest fee to my account. On XXXX, I contacted Citi card and chatted with XXXX and explained the situation. I told him that I was not able to make a payment because of technical glitch with their system. I asked him to reverse the late fee and interest charge. I asked him to remove those charges. He " tried '' to remove them but for some reason was not able to. XXXX didn't give a specific reason why the request was declined but he tried, so he said that he did. I am attaching screenshots of proof of the error message. I was charged {$93.00} for their mistake with their system.
Product: Credit reporting or other personal consumer reports

Delete the account XXXX XXXX  from my credit report because this account has not been verified and is reporting inaccurately. XXXX date last reported is XX/XX/XXXX and XXXX is XX/XX/XXXX. How does this meet FCRA requirements when all data furnished should be accurate. The creditor could not verify this information when contacted. XXXX has deleted this account.
Product: Mortgage

I am currently in review for a loan modification and have provided all the paperwork that my mortgage servicer has requested. I also have a foreclosure sale scheduled on XXXX/XXXX/15 and need help getting it pushed back.
Product: Checking or savings account

I received ( 4 ) emails from a legitimate email from Bank of America, saying I had an online application in process for a Bank of America Advantage SafeBalance Checking account. 

I never opened an account and haven't held an account with BoA since XXXX. 

I called BoA, they put me through to the checks systems team who helped me close out the account but they did let me know that someone would have needed my FULL social security number to open an account, so there is obviously a major security breach somewhere.
Product: Debt collection

Complaint  ID  XXXX .   LVNV FUNDING LLC did n't provide any document with my signature.   This purchase was a case of identity theft.   Where was the merchandize sent to?   Where is the signature of the receipt?
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint to delete the following fraudulent items in my file that are reporting on Experian, XXXX and XXXX Credit Bureaus. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged and also the inaccurate personal information showing on my credit report. I therefore request that you immediately remove these items from my credit report with your firm, or provide me with the exact source where you received such information, so I may take appropriate legal action. 
XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1200.00}
Product: Debt collection

XXXX calls everyday more than 10 times per day. When the phone is answered by an employee XXXX is very abusive and derogatory. He calls me a XXXX woman with no manners. That I am XXXX and can not add or subtract. He even asked me if I was alive during the day when I would not answer a question I did not know the answer too.
Product: Credit reporting, credit repair services, or other personal consumer reports

there is a XXXX  student loan servicing account that was placed on my credit report that does not belong to me. I am not in school. this account belongs to someone else. I do not have any student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

DO NOT CLOSE THIS AS A DUPLICATE. THIS COMPLAINT CONTAINS ADDITIONAL INFO WHICH PROVES THAT TRANSUNION IS INCORRECTLY REPORTING. 

The attached transcript clearly states that my XXXX XXXX was awarded on XX/XX/XXXX. According to StudentAid.Gov, an official website of the U.S. Government ; " Direct Subsidized Loans and Direct Unsubsidized Loans have a six-month grace period before payments are due. '' It also states " if you received a PLUS loan as a graduate or professional student, youll automatically get a six-month deferment after you graduate, leave school, or drop below half-time enrollment. No payments are required during this six-month deferment period. '' ( see highlighted section on page 3 of attached Student Loan Repayment _ Federal Student Aid.pdf ) My graduation date was XX/XX/XXXX ( see highlighted section of XXXX Unofficial Transcript.pdf ) therefore my graduate student loans were under a six-month grace period and would not have been due for repayment until XX/XX/XXXX. ED/XXXX   has incorrectly reported two separate trade lines beginning with account # XXXX as late on XXXX and XXXX which has negatively impacted my credit ( Page 3 and 4 of attached credit report ). As per the FCRA incorrect information must be REMOVED as also per the FCRA I have a right for all information on my credit report to be correct ( see highlighted sections of attached XXXX XXXX_TransUnion Personal Credit Report.pdf ).
Product: Checking or savings account

I purchased a vehicle at a dealership who financed for XXXX XXXX XXXX XXXX. When I purchased the vehicle the engine light was on the dealership gave me an IOU BILL to fix tbe vehicle when I returned, the dealership had " GONE OUT OF BUSINESS ''. In the state of Georgia your vehicle must past emmissions in order to purchase a license plate It is also illegal to sell a vehicle with engine light illuminated. After notifying credit acceptance i filed several disputes with pnc on XX/XX/2018. I was given a provisional credit for each dispute one totaled {$500.00}, {$250.00}, {$270.00} and {$350.00}. On XX/XX/2018 three months later PNC DEDUCTED THE PROVISIONAL CREDITS FROM MY ACCOUNT. I immediately called PNC bank and was told there was nothing I could do about it because time had expired..I reached out to credit acceptance and was told that the money went back to PNC on XX/XX/2018 and they gave me reference numbers for the disputes. I have called Pnc bank 21 times, went to 2 PNC Branches and sent 15 text messages. On XX/XX/2018 I tried again to get some answers from PNC I received a response from XXXX XXXX on the Pnc message center website which she states that they didnt rule in my favor because the questionnaire was returned to Pnc due to incorrect address ... that is unacceptable!! If they took the time to open the letter which they did, they knew I needed that document why didnt someone call me, email me?? my contact information didnt change. That is withholding and deceptive and I believe PNC done that intentionally. Pnc knew that the dispute process couldn't be complete without that document. I never got a fair chance!! On XX/XX/2018 I got a call from XXXX XXXX from PNC who said after reviewing my account that PNC had made several errors while entering the disputes and that he would get back with me that afternoon. ( He never called back ) the next day XX/XX/2018 XXXX XXXX from PNC ESCALATION DEPT called me to inform me that I would be receiving a call from His Manager TODAY and his name was XXXX. ( He never called ) THIS IS NOT  ACCEPTABLE - AND I HAVE BEEN MORE THAN PATIENT.. PLEASE TELL ME WHERE MY MONEY IS ... ..
Product: Debt collection

Asset recovery sent a letter offering a settlement amount. I have no contractual agreement with asset recovery. The statement date on the letter says XXXX. The letter mentioned that I had until XXXX to accept the offer and to stop collection attempts. Well I spoke with a representative by the name of XXXX on XX/XX/2023 at around XXXX. I called in to say that I would like to settle the amount owed if they are able to provide me with the original account number so that I can make the payment online via XXXX. Asset recovery wasnt able to provide me with a correct account #. The letter that assets sent me shows an ID and a 16 digit account number. The letter only shows the last 4 digits of the account number and the other remaining digits are have a asterisk. I asked two different representatives for the account number and the first one had no idea what I was referring to. So she referred me back to XXXX the account XXXX XXXX provided me with the Id number which was 8 digits long and an account # that was only 9 digits. Which is clearly isnt correct info according to the statement letter that I received regarding this debt. So it seems to me that there is no original instrument of indebtness in existence since Assest recovery wasnt able to provide me with the original account number thats needed in order to pay the debt online on there site ( XXXX ). Which again should settle the matter legally and financially. I would appreciate it if you would review my documentation and obtain a statement of facts from XXXX XXXX XXXX outlining why they can not produce the original account number/contract, and why their debt collection agency Assets Recovery is unable to provide me with the original account number. 

Now I came to find out they reported this debt to the credit agencies but they are unable to provide me an accurate account number/validate the debt. This is a flagrant violation of Fair Debt Collection Practices Act 15 U.S.C. 1681et seq.
Product: Credit reporting, credit repair services, or other personal consumer reports

After taking a look at my credit report and seeing accounts that I did not recognize, ( XX/XX/XXXX ) I sent a validation letter requesting for documentation that shows I owe National Credit Systems for the accounts listed on my credit report or to have the items removed entirely from my credit report as it is inaccurate and untrue ( received XXXX ). Evidence concluding such was included in that validation letter. 

( XX/XX/XXXX ) I received a response from National Credit Systems that said that I have not provided enough information to validate or correct their records when I thought it was me who requested validation from them. Included within that letter, they have provided me with a lease contract between a former landlord and I. No information or documentation that shows that I have done any business with them and it is listed inaccurately on both of my credit reports. When I have requested them to be removed from all credit reports within 30 days, and a copy of the deletion with 5 days of the change. The last updates to the accounts were XX/XX/XXXX and I have yet to receive any notice of correction or deletion. 

National Credit Systems has not only failed to delete the invalid and unverifiable information from my account within the 30 days of complaint receipt ( XX/XX/XXXX ), but they also are continuing to submit information that they know to be incorrect.