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

I have several items that are listed on my credit report that are not mine and are fraudulent, errors and incorrect as none of the accounts are mine. XXXX XXXX appears on my report twice and I have requested these fraudulent accounts be removed from my report as letters were sent in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX These accounts are keeping me from buying a condo, new car and making it impossible to move forward with my life. 

1. XXXX XXXX - balance is showing as {$1400.00}, account partially listed - XXXX, dates not listed, 2. XXXX XXXX - balance is showing as {$1000.00}, account partially listed - XXXX, dates not listed,
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending you my dispute for the hundredth time. CRA is obligated by the FCRA to report accurate accounting. I have advised you on several instances with verifiable proof and supporting documentation that you are reporting derogatory items on my consumer report that has since been removed from your companion CRAs because your reporting should match across all 3 platforms. You have 4 days according to LAW to remove such items. If you are not the assigned agent for this account, please forward to the appropriate agent assigned to Satisfy pursuant to the signed Security Exchange Ace of XXXX under 17 CFR 424 that you will not commit language fraud or do solicitations. and the rules outline in the Trust Indenture Act of XXXX. Also, please forward to me a complete copy of my Credit File. The instruction for this security includes securities fraud and violation of my right to privacy. Although securities fraud takes on many forms. In fact, unbeknownst to me, you are and have been making money from my information and likeness without my consent. Privacy violation pursuant to Privacy Act of XXXX ( 5 U.S. Code 552a ) ( 4 ) the term record means any item, collection, or grouping of information about an individual that is maintained by an agency, including, but not limited to, his education, financial transactions, medical history, and criminal or employment history and that contains his name, or the identifying number, symbol, or other identifying particular assigned to the individual, such as a finger or voice print or a photograph ; The instructions does not include wiping out my credit history completely as I am in need of my credit report and credit file. XXXX has engaged in unfair and deceptive practices pursuant to 16 CFR 433.2-3 Your agency Violated my rights to privacy. The laws you are violating is clearly stated here. The civil liability law under which I will sue is identified here. Moreover, this is false reporting bcs this item was not furnished to you by the courts, or do you list the actual furnisher which violates the FCRA 15 Ucs 1681 but rather you purchased this negative information for profit.

15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), 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. 
You need my written consent to add anything to my consumer report and I did not give this authorization therefore you are in violation of the Fair Credit Reporting Act P.L 90-321 ( 82 Stat. 146 ) which is law as it states that any agency can only get your report 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 )
Product: Credit reporting or other personal consumer reports

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  I am requesting these inquiries be thoroughly investigated and removed once found to be fraudulent. I did not authorize them. I have never heard of these creditors.
Product: Vehicle loan or lease

This happened today XXXX and began at approximately XXXXXXXX XXXX and finally concluded at XXXX XXXX  Attempted to pay past due amount on a loan with Kia Finance. The customer portal would not take a payment, so I called the number provided. The number takes you to a very non-user friendly automated system which has problems with button and voice recognition. There is a message given stating you can avoid fees by using the customer portal, which directs you to the number. There are 2 options other than going back to the website/portal, automated route which costs {$3.00} or pay with a live agent which costs {$7.00}. If you choose the automated route you are then subjected to a system which does not recognize the numbers you press or the words you speak and repeatedly asks if you want to speak to a live agent for {$7.00}. Then after you finally get all of the information into the automated system, and it is confirmed, it abruptly transfers you to a live agent who then will either take you for {$7.00} or transfer you back to the automated system which then brings you back to a different live agent. 

I am reporting this because they do not allow you to pay without collecting an additional {$7.00}, which they refer to as a " convenience '' fee. I believe this is an unfair and manipulative practice of extortion. Not only do they force you to pay {$7.00} to repay your loan which they are already charging interest on, they are also wasting your time by having a barely functioning system that takes 10-15 minutes to navigate and eventually forces a live agent upon you who themselves is difficult to understand, who will send you back to the automated system knowing it will bring you back to a live agent anyway.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any account listed on an id theft report. Please find the ATTACHED IDENTITY THEFT REPORT # XXXX and documents to assist in the blocking of the erroneous information which is being posted to my report. 

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you that I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX  XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, GA XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00}.
Product: Checking or savings account

ATM was malfunctioning. Received my money and gave no credit for it .I was told I could close my account or get the funds that I needed to get a tire for my vehicle
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, am stating that TransUnion, XXXX, XXXX are violating 15 U.S.C 1681b ( 2 ) ( a ) -Permissible Purposes of Consumer Reports states that a consumer reporting agency such as TransUnion XXXX XXXX, XXXX may furnish a consumer report in accordance with the written instructions of the consumer. I, XXXX XXXX, NEVER gave TransUnion, XXXX, XXXX any such written consent for them to report any information on my consumer report. Since I gave no consent, this is indeed Identity theft. Since I did not provide consent, I am demanding that you proceed to remove these accounts listed below from my TransUnion, XXXX, XXXX credit report : DEPTEDXXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DPT ED/XXXX  XXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DEPTEDXXXX XXXXXXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX* DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DEPTEDXXXX XXXXXXXX  DPT EDXXXX XXXX DPT EDXXXX XXXX DPT ED/XXXX XXXX DEPT OF ED/XXXX XXXX DEPTEDXXXXXXXX XXXXXXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXX XXXX DEPT OF EDXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPTEDXXXXXXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DPT ED/XXXX XXXX DEPT OF ED/XXXX XXXXXXXX DEPTEDXXXX XXXX DEPT OF ED/XXXX XXXXXXXX* DPT ED/XXXXXXXX XXXXXXXX DPT ED/XXXX XXXX DPT EDXXXX XXXX DEPT OF EDXXXX XXXXXXXX DPT EDXXXX XXXX DPT ED/XXXX XXXXXXXX DPT ED/XXXX  XXXX SOC SEC ADMIN OFFICE O XXXX If you choose to not remove these items from my credit report, then I WILL NOT extend my credit to ANYONE nor will I give TransUnion, XXXX, XXXX permission to furnish my credit report. Additionally, pursuant to 15 USC 1681 ( a ) ( 1 ) the banking system is fully dependent firmly on the braise of FAIR and ACCURATE consumer reports. TransUnion, XXXX, XXXX is violating the law and reporting these inaccuracies to my credit report and hence causing me to lose confidence in the banking system. IF TransUnion, XXXX, XXXX wants to continue to do business with me XXXX XXXX, then they need to DELETE inaccurate accounts from my TransUnion, XXXX, XXXX consumer report expeditiously. I am an extremely litigious consumer as well. Please do not respond with identification verification, this is indeed XXXX XXXX.
Product: Checking or savings account

I opened a Citi checking and savings account on XX/XX/XXXX directly from their website. They were advertising a {$400.00} bonus if {$15000.00} was deposited and held between both the checking and savings account for 60 days. I deposited {$15000.00} to my checking account and {$25.00} to my savings on XX/XX/XXXX and held it there until XX/XX/XXXX. The terms stated 60 days that the funds had to be there. I kept it there for over 100 days. 

After the 60 days passed, I heard nothing. I reached out to Citi and chatted with several agents who promised that my {$400.00} bonus would post on XX/XX/XXXX. After not receiving it, they said XX/XX/XXXX. After not receiving it again, they said they would open a dispute and would hear back within 5 days. 

Fast forwarded to today XX/XX/XXXX after not hearing anything. I chatted again and they said that I was not eligible for the promotion. I signed up for it directly on the Citi website, and even took screenshots of it showing the {$400.00} bonus as proof. 

This is false and blatant advertising in an attempt to lure consumers in for false promises. This is highly illegal and should not be allowed.
Product: Credit card or prepaid card

I didn't authorized a hold of {$260.00} from XXXX XXXX in XXXX, Georgia. My card evidently being held previously, or being used by a family member. I don't know have a clue! I know why American Express won't stop this transaction when it is on hold. I need to pay for my for my XXXX medicines. This is the second time filing a complaint against American Express Serve.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX {$1000.00} XXXX XXXX  XXXX XXXX {$4200.00} BANKRUPTCY CHAPTER XXXX  XXXX {$0.00}
Product: Checking or savings account

Wells Fargo stole money from me. They gave me a credit for some car repair services that were not performed on my vehicle. Then they took it back. It was not my fault they revived everything by from me they asked for by the time frame they told me. They messed up not me. Then they closed my account and filed with collections. Now I can not open another checking account and they are harassing me to pay them more money. 

They are bullies! Please someone help me with this, Im desperate.
Product: Debt collection

Received, email and several phone calls from Hunter Warfield. They claimed I gave them permission to contact me which I never did. Email was sent to me on XX/XX/2022. The lied about me. Giving them permission to communicate via my email address.
Product: Credit reporting or other personal consumer reports

Ive discovered hard inquiries on my report that were not authorized under 15 USC 16c-2, and I request their removal.
Product: Credit reporting or other personal consumer reports

The reported delinquencies for XXXX and XX/XX/year> are inaccurate due to XXXXXXXX XXXX loan forgiveness plan. Payments resumed in XX/XX/year>. XXXX 's representative apologized and assured that the correction would be made promptly. Regarding the XXXX forgiveness, XXXX hasn't updated it with the Department of Education per a representative, as bills for payment are still being received.
Product: Vehicle loan or lease

Payments and pay off amount have not been updated since XX/XX/2023. Therefore my credit score is not reflecting correctly and it cost me the purchase of my home! I have called numberous times, so did the lender and yet nothing no answers. Every time I call I get the same response I will get a call within an hour and no one has ever called back. I have email with no responses to the supervisor any attempt the company has failed to answer for the last 3 Months.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to submit two disputes to XXXX for my vehicle lease. The first was that I requested that the late payment for XX/XX/XXXX be removed from my credit report because of financial hardship created by the coronavirus. XXXX claims that they are not permitted to remove negative items from a credit report which is patently inaccurate and a misstatement of the law. 

I also reported that the XX/XX/XXXX payment was inaccurate. 

I feel that I am being mistreated and taken and advantage of.
Product: Credit reporting 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 Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

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

15 U.SC. 1681 SECTION 604 A SECTION 2. It also states a consumer reporting agency can not furnish a account without written instructions.

15 U.S.C 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: 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, XXXXXXXX XXXX  : XXXXXXXX XXXX XXXXXXXX : XXXX, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Recived a noticed that I had a collection on my account on the XXXX of XXXX. I have been receiving calls with no one speaking from various numbers for past couple of months, attempted to call XXXX the XXXX XXXX, mutiple times just to be hung up on or call transferred after asking to speak to someone. I had no idea or contact regarding this bill since it goes back till XXXX of XXXX. Thats over 4 months and prior to that of no communication or contact prior to being listed as a collection. I have requested proof of debt and have not received to home address or email I provided upon contacting someone the XXXX of XX/XX/XXXX named XXXX. I have tried everyday since up till the XXXX of XXXX to receive proof. 

numbers i have recived calls from : XXXX, XXXX, XXXX, XXXX, XXXX XXXX since XX/XX/XXXX. randome times thoughout day. would pickup and they hung up. 

number i called : XXXX - sunrise credit services. 

horrible communication, and no proof. I want this removed ASAP.
Product: Debt collection

I am filing this dispute because the debt collector failed to fully comply with my debt validation request, which is my right under the Fair Debt Collection Practices Act ( FDCPA ). On XX/XX/2024, I sent a verification letter to Portfolio Recovery Associates LLC requesting complete documentation to validate the alleged debt. Specifically, I requested : A detailed payment history : I asked for an itemized account of all payments and charges related to the debt. Proof of the collectors authority : I requested documentation such as a sale or purchase agreement that shows they have the legal right to collect on this debt. Proof of my liability : I asked for evidence that I am the individual responsible for this debt, including any documents or agreements that I may have signed. Legal authority to collect in XXXX  : I requested proof that they are legally permitted to collect this debt in the state of XXXX. Information on the age of the debt : I asked for details on when the account originally went into default with the original creditor. Because they failed to respond both within the 30-day window and at all, they failed to meet the requirements for proper debt validation, I dispute the legitimacy of this alleged debt. I respectfully request that the CFPB investigate this matter and take appropriate action to ensure that the collector removes this collection from my credit report with the XXXX major credit bureaus, XXXX, XXXX, XXXX.
Product: Debt collection

Portfolio Recovery has sent me a notice to collect a debt in the amount of {$1400.00} This collection agency is not licensed for business in Michigan, nor are they registered with the Michigan Secretary of State ; therefore can not attempt to collect any debt in Michigan. Please remove this account from my credit reports immediately. Also, they have attempted to garnish wages without successfully validating that this debt is even mines.
Product: Debt collection

To Kings Credit Services, I have been met with continued stalling and evasiveness. Despite my clear and substantiated claims, my dispute for inaccurate charges and depleted security deposit remains unresolved. I have provided timestamped photographic proof, once again, that I left the carpets  spotless. I am not responsible for standard turnover costs, including carpet shampooing, as I left the carpets in good condition. Any contract or addendum attempting to justify this charge violates California Civil Code 1950.5 ( b ) ( 2 ). I demand a prompt resolution and correction of the inaccurate credit reporting. 

Furthermore, I provided a valid 30-Day Notice ( written, signed, and dated on ( XX/XX/XXXX ) in accordance with ( California Civil Code 1946.7 ), as it was delivered in person with a witness and contained explicit instructions to use my funds within the security deposit for the prorated rentfulfilling my requirement to pay final ( prorated ) rent, but the landlord didnt honor my Notice and ignored it despite the lease agreement allowing for the security deposit to cover rent ; since the Notice was perfectly valid and I delivered it with a zero-balance on the account, there is no mistake that I properly gave it, complying with ( California Civil Code 1946.7 ) .

If the prorated rent was honored then there would have been more than enough of the remaining funds of my security deposit to cover for the frivolous statement charges excluding the invalid carpet shampooing charge. 
The failure on the part of both the Kings Credit Services and XXXX XXXX XXXX to accept my evidence and acknowledge this dispute is laughable. Aside from the questionable licensure of the Kings Credit Services, refusing to provide credentials and their website showing they have a a application pending for a California Collection License ( XXXX XXXX XXXX ) ; they inaccurately reported a {$350.00} negative balance to my credit report ( XX/XX/XXXX ), instead reporting the disputeas a dispute on my credit reportthey reported it as a derogatory/negative account with a collection/charge-off status. Their communication tactics have been marked by manipulation, deception, incompetence, and an attempt to shift the burden of proof onto me, reversing my demands for receipts and proof on the part of the landlord with the debt collector having the audacity to tell me I need to prove with my own receipts. A desperate attempt to manipulate the situation further. I demand that both parties acknowledge my evidence and rectify the situation with a prompt resolution to my disputenow.
Product: Student loan

I have been disputing student loan debt with NELNET for about two years and as of to date XXXX XXXX, 2016 the debt has never been verified. I have sent numerous letters asking them to please verify this debt to no avail also I have previous file complaints to no avail. And according to the FDCPA if this debt can not be verified than they can not collect on it, nor report it to the credit reporting agency. I have recently sent an AFFIDAVIT OF TRUTH ( private statues ) on XXXX XXXX certified mail receipt XXXX XXXX XXXX XXXX. I have yet to receive an response and they are still reporting these accounts on my credit profile. I am currently seeking to sue for violation of the FDCPA and FCRA. I would like for them to please verify these debts or remove them from my credit profile ASAP.