23daVinci/CFPB_Complaints huggingface dataset:
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 {$4600.00}, XXXX XXXX etc. There are XXXX of these accounts open. This letter is addressing all XXXX accounts. U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 60a A Section 2 It also states a consumer reporting agency can not furnish an 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 items of information, other than records of convictions of crimes which antedates the report by more than XXXX XXXX. 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: Credit reporting or other personal consumer reports

I recent looked at my credit profile and noticed there were a number of inquiries on my credit report that I did not give my consent for. Those inquiries consist of the following : 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: Debt collection

I have been receiving calls XXXX x a day for a year regarding a debt owned by a company ( LLC ) that I used to work for that went out of business years ago. Also, the original lender has gone out of business. National Check Resolution XXXX has been harassing my family and friends as to this debt. I have reached out to tell them to stop and they continue to harass. They also claim that they have a lien against me, offer no proof and threatened to sue me. I need them to stop! Please help.
Product: Vehicle loan or lease

AMENDED COMPLAINT : Just received vital information from my bank 's archives division proving this purported non-payment in XX/XX/XXXX. Please see attached. 

I've been receiving late fees from Infiniti Financial Services for well over a year without my knowledge. Since I financed this car on XX/XX/XXXX, my loan account has been set up with an automatic payment of {$590.00}. In recent months in XXXX, an XXXX agent recently informed me that I'm almost {$1500.00} in arrears since XX/XX/XXXX. When I pressed him for further information, he said that although they had been collecting monthly payments, they had been applying them to the prior month and charging late fees because my first payment had been rejected. I questioned why they didn't simply notify me of these difficulties back then via phone, email, or mail so I could confirm the payment as opposed to allowing fees to accumulate over a year. What dates did you, XXXX, send any late correspondence, I then asked? Who gave you, XXXX, permission to simply use my monthly payments for the prior month without notifying me? XXXX 's representative accused me of neglecting to check my online account more frequently. Why would I research something when I already know I'm making monthly payments through my bank? As it turns out, my bank account balance was more than sufficient to make the first payment and wasn't in default back then and still in current. Attached is all my XXXX statements that shows I paid the initial XXXX payment with ample enough money in account to cover the full amount, in opposition to what IFS is stating. With so many unfair, fraudulent late fees, my credit score has plummeted, and XXXX isn't doing anything to help me resolve the problem that they deliberately caused. Due to their lack of accountability and communication, my credit is severely damaged with the three ( 3 ) bureaus and now, I no longer want this vehicle. Please assist me!
Product: Checking or savings account

Friday XXXX of XX/XX/2023 I open a business checking account inside the branch and deposited the checks that XXXXXXXX XXXX sent me for account closure. Received a call from XXXX this morning that those checks was already deposited and cashed out from them on Friday. Regions is failing to release my funds snd now is stating that their back office has the account on hold because of investigation of the checks 3 total XXXX, XXXX and XXXX all separate checks deposited into the account XXXX Ive spoken with other representatives from Regions and they stated I just to verify more information but when going back Regions that are stating something different. XXXX XXXX  is still releasing negative information about me in which Ive already frozen all information about me previously due to identity theft issues. They have all that information on file already but continues to report on my behalf in which they have been instructed to do so.
Product: Credit reporting or other personal consumer reports

Please delete this fraudulent account from my credit report, it is hurting my ability to receive credit.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the items listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedyXXXX XXXX XXXX  XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I am filing this complain against PNC bank for predatory loaning. 

XXXX years ago I applied for the XXXX of XXXX loans with PNC so that I could attend XXXX XXXX. I felt like I had a chance to get a XXXX degree in a subject I was more interested in and that would pay better. At the time I was making less than {$30000.00} a year working in a XXXX XXXX call center. I had XXXX of dollars in private and federal loans from my XXXX degree. They gave me about {$13000.00}. While I was in school the XXXX XXXX continued to raise their tuition and I was running out of federal aid. PNC offered more money if I had a co-signer. My parents co-signed but were in no financial shape to be accepted, PNC accepted them anyways and gave me about {$22000.00} then {$25000.00}. My parents went bankrupt within a year of co-signing the last loan and I lost my housing. I did n't realize how bad it was until I tried contacting other loan companies such as XXXX XXXX for help to get back into housing and I was told that my debt VS my projected income was not viable and that I would not be able to replay the loans. XXXX XXXX told me they would not have given me the loans I already had, even with my co-signer. I truly belie that PNC gave me my student loans knowing fully that I would not be able to repay them due to theprojected income of my career and my existing loans. 

To make things worse XXXX did n't give me the skills or tools to get a job in my field. I do n't know if PNC and XXXX are connected but it felt like they were both pushing me to become more in debt.
Product: Debt collection

This is so frustrating, IC Systems clearly understands my request for VALIDATION OF THE SERVICE ADDRESS. However they continue to only provide me a customer account ledger that does not prove that the service was at my address and is usually produced after service is connected to that particular address. Providing me a copy of a simple work order from the account would show the address and prove this is not my debt. I have requested this information NUMEROUS times and told them numerous times that service was not at my address. Next step will be a law suit for falsely and knowingly reporting and continuing to report a debt that I have disputed was not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted Carvana on or approximately XX/XX/2021. Explained that I had an open case with the XXXX County Sherrif 's Office in regards to someone using my personal information for identify fraud. Explained that I saw a hard inquiry from Carvana on my XXXX credit report and wanted to learn more at that time. I was told by that Carvana representative that they could not tell me anything over the phone and I would have to email XXXX and provide them with the case number. I emailed that email the same day and provided the Sherrif 's office number, the case number, and my contact information as well.

I called back Carvana XX/XX/XXXX, as I had not received any sort of communication. The Carvana representative asked me for a VIN for the car. I stated I didn't know what she was talking about and that I wasn't provided any information last time I called. She stated Carvana should have provided me with a VIN to attach in the email I sent. This VIN is for the car the person attempted to purchase with my information. I then emailed XXXX the same day and provided the VIN. They said I should definitely hear back by XX/XX/XXXX. 

I contacted Carvana on XX/XX/XXXX, and explained to the representative XXXX XXXX or XXXX XXXX of the ongoing issue and lack of contact. I explained that the XXXX County Sherriff assigned to my case was also have difficulty getting ahold of a human when attempting to call. I was placed on hold and when she came back on the line she stated " unfortunately there is nobody available to answer your questions. We don't have a fraud department. You will just have to wait until someone responds to the email '' I explained I had already been waiting and I did not believe anyone would reply to me. I asked to speak to a supervisor. 

After being placed on hold I then spoke to someone named " XXXX '' who claimed to be a supervisor. He stated going through email was incorrect and that I would have to send a physical letter to their Underwriting Office in Arizona if I wanted to learn anything else. I asked if Carvana could just provide relevant documents to the Sherrif 's office. He stated " I can't go over anything over the phone ''. I asked if Carvana kept any security footage so it could possibly be used to identify who was using my information. He said " I can't go over anything over the phone ''. I stated I felt like Carvana was intentionally obstructing an open investigation by refusing to even contact the police. XXXX sighed and said to write a letter, quickly said the address before I could write it down and hung up on me.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous communications regarding the fraudulent items present on my credit file. Despite previous attempts to address this issue, the fraudulent items have not yet been removed from my credit report. This situation is deeply concerning as it negatively impacts my creditworthiness and financial standing. 

I urge you to take immediate action to rectify this matter by removing the fraudulent items from my credit file. These inaccuracies pose a significant risk to my financial well-being and must be addressed urgently. 

Furthermore, I kindly request regular updates on the progress of your investigation into these fraudulent entries and the steps being taken to prevent similar incidents in the future. With this, I am asking for your assistance to remove fraud items in my credit file : XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$5500.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Credit Reporting Agency is furnishing information to my consumer report withiut written consent from the consumer. This CRA has willfully violated the FCRA a multitude of times. Pursuant to 15 USC 1681B ( 2 ) These are my written instructions. I need the Two Collections from XXXX XXXX XXXX XXXX XXXX XXXX deleted NOW.
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed a FTC report and reached out to the reporting agencies for validation of debt shown on report in XXXX. I asked if validation could not be provided to please remove from report. I have not heard anything back. I do not recognize this debt and it is reporting as a charge off which is unlawful. The status of this account reporting as a Charge Off is an inaccurate account, which is a violation of 15 U.S. Code 1681e ( b ). If your company has filled out a 1099c form and is continuing any kind of collection activity as defined under 31 U.S. Code 3711 ( e ) by performing any of the following conduct ; administrative offset, tax refund offset, referral to private collection contractors, referral to agencies operating a debt collection center, reporting delinquencies to the credit reporting agencies, garnishing wages, pursuing litigation or foreclosure, you are committing tax fraud and should be reported to the IRS for a fraudulent financial gain. Also 1099-C must be mailed to consumers by XX/XX/XXXX the following calendar year in which the identifiable event occurs. I did not receive anything which is a violation. 

As defined by the IRS, even if you didnt receive a Form 1099-C, youMUSTreport Canceled Debt asGross Incomeon your tax return, according to the IRS. For an account to be Charged Off, the debt had to have been Canceled. Canceled Debt must be reported as Gross Income on a tax return. Its illegal to report Income to my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, 2016 NATIONAL CREDIT SYSTEM added derogatory marks on my credit file, per XXXX, upon further research this account was transferred/sold and I am no longer responsible for these accounts. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it's mines. According to the FCRA, NATIONAL CREDIT SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove these accounts immediately. 

Account # XXXX Account # XXXX Account # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

I have listed the concerns I have about the reporting of these fraudulent accounts. It is not complete and does not meet proper reporting standards. According to the law, the data furnishers must certify all aspects of the required FCRA and XXXX XXXX compliance. This must be done in a truthful, correct, complete, and timely manner as to not violate my consumer and civil rights. This information has been reported several times as I have never opened or knowledge of these fraudulent accounts. Credit bureau continues to falsely report fraudulent accounts under my name.
Product: Debt collection

XXXX, a Debt Collection agency has an agreement with me to collect {$50.00} per month to pay a debt I owe. In XXXX on the XXXX they charged me {$50.00} from my bank account and then on the XXXX the same. 
Payments were to be made on or about the XXXX of the month and have been like that since XXXX. In XXXX was charged 2 times by this company. 
Once on XX/XX/XXXX and once on XX/XX/XXXX. 
I have attempted to speak to someone at XXXX but have been hung up on numerous times, laughed at, transferred to dead end lines and finally given the presidents number only to find his voice mail full. 
When I called back about this I was to keep calling it till someone picked up. 
They refuse to put me in touch with whoever might be able to help me. 
I am on a shoestring budget as I am XXXX and unable to work, so an extra {$50.00} is kind of a big deal.
Product: Debt collection

i notice a collection on my credit report and sent out a dispute for the alleged debt of XXXX $ on XX/XX/2020 to south ms collection Attn : XXXX XXXX XXXX with the letter attached to the complaint for further information.
Product: Credit reporting or other personal consumer reports

Contacted resurgent receivables about an alleged account. on XX/XX/year>XXXX  One of the option was to send an email, when I sent an email. it went through, than I checked, the email was deleted. I tried to contact by phone, hung up. I needed them to investigate this alleged. account and remove while investigation was going on. They refused. I also tried to email on the XX/XX/year>XXXX  and my email was automatically deleted. so glad I have screenshots of everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer I have requested on numerous occasions my consumer report from the following consumer reporting agencies Chex Systems and XXXX XXXX XXXX due to a recent denial in achieving a new bank account. 

I attached the error messages and letters that I continue to keep receiving from these companies without the actual report and I am request my consumer report be emailed immediately so that I confirm if all the information is accurately being reported. 

Chex systems Consumer ID XXXX XXXX XXXX XXXX ID XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was going through final loan process for being approved for my home and learned that there is a bankruptcy reporting on my credit. I have never filed for bankruptcy and is requesting this is removed immediately from my credit report so I can purchase my home.
Product: Debt collection

My name is XXXX XXXX, today is XXXX XXXX and today I received my consumer reports and notice that this company is unlawfully reporting a collection account. I am demanding this collection agency to provide validation of debt pursuant to 12 CFR 1006.34a ( 1 ) ( a ) Validation information required. ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication; or ( ii ) By providing the validation information orally in the initial communication. Pursuant to 12 CFR 1006.34 ( c ) Validation information. Pursuant to paragraph ( a ) ( 1 ) of this section, a debt collector must provide the following validation information.1. Statement required by 1006.18 ( e ). Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

hello my name is XXXX XXXX and i was put on XXXX XXXX on XX/XX/2016 the account number is XXXX and its being reported on my consumer report unlawfully because there were steps needed to be taken before i can even be put on child support. pursuant to title 15 usc 1681b 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments ( SO YOU SEE PRIOR TO BEING ON CHILD SUPPORT THE AGENCY NEEDED TO SEE IF I HAD THE CAPACITY TO MAKE ANY PAYMENTS WHICH I DIDN'T ) now back to the law ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ) ; ( C ) the person has provided at least 10 days prior notice to the consumer whose report is requested, by certified or registered mail to the last known address of the consumer, that the report will be requested ; and ( D ) the consumer report will be kept confidential, will be used solely for a purpose described in subparagraph ( A ), and will not be used in connection with any other civil, administrative, or criminal proceeding, or for any other purpose NOW LETS TAKE A LOOK AT ( C ) IT SAYS THE PERSON WHICH MEANS AN INDIVIDUAL IN THIS CASE IT WOULD MEAN THE MOTHER OF MY CHILD SHE NEVER SENT A NOTICE CERTIFIED OR REGISTERED MAIL OF MY LAST KNOWN ADDRESS SO WITH THAT BEING SAID EXPERIAN FURNIED MY CONSUMER REPORT WITHOUT THE WRITTEN INSTRUCTIONS ON THE CONSUMER AS STATED IN 1681b. Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ) of this section, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates I NEED EXPERIAN TO DELETE THIS ACCOUNT FROM MY CONSUMER REPORT IMMEDIATELY
Product: Credit card

I have sent multiple request regarding submitting the chain of title .The complete chain of title documentation showing all assignments of the alleged debt from the original creditor .All documents relating to the purchase of the alleged debt by the, including the purchase agreement and any attachments thereto. Reporting inaccurately Im entitled to {$1000.00} per violation.