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

Pleases remove extended fraud alert from my credit report Attention please remove extended fraud alert from my TransUnion credit report. please remove all Fraud alerts
Product: Checking or savings account

On XX/XX/XXXX, a fraudulent transaction was made between my Discover debit account and an unknown XXXX  XXXX XXXX  account which resulted in unauthorized withdrawal of {$60000.00} on XX/XX/XXXX ( via XXXX Pull from XXXX XXXX ). I never authorized this transaction. Please refer to the previously submitted complaint in my account on this website. 

On XX/XX/XXXX, I contacted Discover Bank and they advised me that they would need to " freeze '' my account and transfer my remaining funds into a new debit account to prevent further incidents. Then on XX/XX/XXXX, during my follow up call with Discover Bank, I was informed that my old account has been " closed, '' instead of " frozen. '' I was also informed that at this point, even if the transaction of {$60000.00} becomes reversed, I would not be able to receive the fund back because the old account is now " closed. '' Discover bank also informed that even after transaction reversal, the fund will be sent back, again, to XXXX XXXX because of the same reason. 

Discover also informed me that they closed the investigation with " not in my favor '' with no further investigation. They did not provide me with any reasons or made attempts to correct the situation. All I was told was I would not receive my {$60000.00} back. 

I will try to have Discover reopen the investigation and look further into this, but I feel helpless at this point. Please reach out to Discover and XXXX XXXX and help me get my funds back. 

Here are the transaction number and the reference number for my case : Trace number for the fraudulent ACH transaction : XXXX Related reference number : XXXX Thank you for your help, XXXX XXXX
Product: Debt collection

Someone called my job asking for me would not say what company they were with but said they were trying to serve me with papers, that I was being sued.so this scared me I did not give any info, and ended up arguing with the lady on the phone because she would not tell me what company she was with. I told them not to cal my job anymore and gave my cell number. They called my cell left me a nasty messages again they were going to call my boss and let them know I was getting sued. I called the number back and found out it was a company saying their name was of XXXX and they were attorneys hired by ace check cashing and they were coming to my job to serve me.i was outraged and told them that was outrageous and not to call me again and threaten me
Product: Consumer Loan

Fifth Third Bank made an unauthorized withdrawal from a checking account solely in my name to pay off a loan that was solely in my wife 's name.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX is reporting an inaccurate charge off account on my credit reports that I have been disputing for some time. I have contacted both XXXX XXXX and each credit bureau concerning this account and have not received any valid sufficient proof that supports this debt from either XXXX XXXX or the credit bureaus. XXXX did delete the account from my report because they could not verify this account as accurate but Equifax and XXXX refuses to do so. Not only have they not provided any documentation but they are reporting multiple inconsistencies on my reports. XXXX is reporting the account as paid, the last report date is XX/XX/XXXX, the last active date is XX/XX/XXXX and the last payment date as XX/XX/XXXX. Equifax is reporting that this account is derogatory, the last payment date as XX/XX/XXXX, the last active date as XX/XX/XXXX and the last reported date as XX/XX/XXXX. If the credit bureaus get all of their information from the same place how is it that they are reporting drastically different things. It is illegal to report inaccuracies on a consumers reports and not only is XXXX XXXX in violation of the consumer credit laws but so are the credit bureaus for verifying this inaccurate account.
Product: Credit reporting or other personal consumer reports

Date : XX/XX/XXXX Dear Sir/Madam I am writing to formally request that a security freeze be placed on my credit file, effective immediately, pursuant to Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ).

1. Restriction on Disclosure of Information ( Section 604 of the FCRA, 15 U.S.C. 1681b ) Pursuant to Section 604 of the FCRA, I demand that no disclosure of my personal information, including consumer reports, be made to any person, organization, or entity that is not legally authorized to receive such information or that does not have my explicit consent.

2. Right to Privacy ( Section 609 of the FCRA, 15 U.S.C. 1681g ) In accordance with Section 609 of the FCRA, I request written confirmation that my personal information, including any medical or insurance information, will not be disclosed to third parties without my prior consent, except as strictly required by law. This confirmation should detail the measures taken to protect my information in accordance with legal requirements.

3. Prohibition of Unauthorized Disclosure under Consumer Privacy Protection Laws Additionally, in line with federal and state privacy laws, I demand that no information contained in my file be disclosed to insurance companies or any other third parties without my explicit, written approval, unless required by law. Any unauthorized disclosure will be considered a violation of my privacy rights and will result in appropriate legal action.

I attempted to make this request through your agency 's online portal, but unfortunately was unable to complete the process. For this reason, I am submitting this request in writing to ensure that the credit freeze is implemented in a timely manner. 

Below is the information necessary to process this request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Colorado XXXX. 

XX/XX/XXXX SS XXXX
Product: Credit reporting or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on 09/20/2023, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EXPERIAN 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 received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

i sent letters to this collector on XX/XX/2020 and i have not received anything back. they only have 15 days to provide me with everything that i asked for in this letter i sent but they disregarded it which means this item should be deleted from my credit report. sending a bill is not acceptable because i can type a bill and just say someone owe me so i demand to see where i signed for this which is not true.
Product: Debt collection

To whom it may concern : I, XXXX XXXX have growing concerns about the business practices of North Shore Agency ( NSA ). First, I contact NSA on X/X/18 and was informed by XXXX that as per her supervisor that I could not record the phone call, in which is a violation of NYS law. Second, I am receiving a reoccurring bill that has been satisfied. The bill states I have 30 days to respond or I will be liable for said charges. I believe that this is a predatory practice and is in violation with corresponding Federal Law. I need my account to be updated as satisfied and no longer receive any bill ( s ) from NSA or I will take legal action. Thank you for your assistance.
Product: Payday loan, title loan, or personal loan

HSBC decided that all customers would be forced into taking electronic statements. 
There was no warning period. They just stopped. I received no emails that a bill was due. Nor did I opt in for electronic billing. 
My account went into non payment and late fees began occurring. 
Then they tell me they refuse to remove the fees. 
They tell me that its all my fault. 
I request to place the account in dispute, over late fees. 
They put the account in fraud mode and immediately closed it. 
I have contacted them multiple times and continue to be ignored. 
I have not received a bill in several months and do not agree with the charges, but Hsbc is doing nothing to remedy the problem. 
How is this legal?
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed for my niece to lease a vehicle, and she was making the payments timely. She filed a legal restraining order against her child 's father and had to relocate within 30 days ( I can provide copies of all legal paperwork ). She fell behind on a payment and I was not aware. As soon as I heard about this ( through my credit reporting agency ) I contacted XXXX and brought the account current immediately. I received a significant credit hit as a result of this report. I contacted the credit bureaus and they advised VW Credit could remove the late from my account under the extenuating circumstances. The account was just over 30 days late ( 3-4 days ). We would sincerely appreciate any consideration you can give us.
Product: Debt collection

i was have received multiple letters and emails regarding a collection that has violated my rights and do not owe. I am not liable for this debt to XXXX. I have no contract with XXXX XXXX XXXX. i have not given them my written authorization to furnish this on my credit report. i have written them explaining how they have violated my consumer right to privacy by furnishing this on my credit in accordance to 15 us c 1692c they need my express permission to furnish this on my credit. They not received any written or verbal authorization to furnish this on my credit. Also i have sent them a cease and desist letter demanding that the stop any and all forms of contact including on my credit report. In accordance with 15 us c 1692c as well. i have filed a complaint with the better business bureau in regards to this violation. If my rights continue to be violated i will have no choice but to pursue legal action seeking compensation for statutory damages. 

XXXX XXXX ( Original Creditor : XXXX XXXX  ) XX/XX/2023 XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts reporting incorrect information on my credit report and if one agency is reporting a different balance or status than another agency, I ask how did any of the agencies validate the information being reported? It is obvious that proper validation was not completed within my credit report. Please remove the accounts completely. 

XXXX XXXX original balance, limit and last payment dates do not XXXX- reporting on XXXX but XXXX and Experian have already deleted this account due to the account being paid and also considered a certificate of indebtedness and income due to the charge off status. 

XXXX XXXX reporting on Experian but XXXX and XXXX have already removed this account XXXX original balance and monthly payment reporting different on each report XXXX- condition wrong XXXX- current balance, original balance, limit, monthly payment and last payment all reporting different
Product: Debt collection

I received 2 calls and 2 voicemails prior to XXXX from Ford Motor Credit ( came in at XXXX ). Voicemail stated it was XXXX calling and that I needed to call her back at XXXX ext. XXXX. I've had this problem with them calling early like this before. I do have a debt with Ford but they should not be calling me this early - it is outside of the times allowed per the FDCPA. I want that to stop and XXXX to be reprimanded.
Product: Credit reporting, credit repair services, or other personal consumer reports

Under 15 USC 1681 Section 602 states I have the right to privacy.

Under 15 USC 1681 Section 604A Section 2 : It also states that a consumer reporting agency can not furnish an account without my written instructions.

Under USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for purposes. 

I have reached via letter several times to rectify these issues, but have not received any valid updates.
Product: Credit reporting or other personal consumer reports

Experian is reporting An address belonging to a doctors office XXXX XXXX XXXX XXXX nj XXXX as my Address I have tried numerous times to get Experian to correct this information they are the only XXXX reporting false information Which violates my rights according to the FCRA My social security is wrong, My name is wrong multiple times
Product: Credit card or prepaid card

Regarding Paypal Credit w/ Synchrony .

They offer 0 % apr purchases with their card if the consumer pays off the debt within 6 months. I have been making more than sufficient payments to eliminate the debt within the 6 months but they continue to charge me interest. When I call, they say the payments are not applied to the First purchases that would have the earlier promotion expiration date. They do not offer any way for the consumer to specify where the payment should go. I have paid off all these debts and they continue to charge me interest. They are misleading the consumer and performing predatory practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I need your help in contacting this company. I made an attempt to get in touch with them to ask why someone had registered an account in my name. I regret that this extremely significant issue is now affecting my credit profile. Since it also violates data privacy, I do not let anybody to use my name, date of birth, or any other information. They need to figure out who opened the account in my name and give those details to them rather than me. Kindly help me in solving this.
Product: Credit reporting or other personal consumer reports

I have no connection to these inquiries or the listed creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Credit Report is reporting inaccurate, unverifiable information on my Exquifax and XXXX credit reports and are in violation of Federal Law. 

They are listing an account on my Equifax report as XXXX XXXX XXXX with an address listed as " XXXX XXXX XXXX, XXXX  XXXX ''. The account in question is showing up as a {$3300.00} charge-off, and is reporting a balance of {$2600.00}. 

On my XXXX credit report, this same account is being reported as XXXX XXXX XXXX with an address listed as XXXX XXXX XXXX, XXXX, XXXX XXXX. It is also showing a balance of {$2600.00} while simultaneously being reported as a {$3300.00} charge-off with an original balance of {$4200.00}. 

Not only are they reporting conflicting information for the same accounts, their reporting is down right contradicting each report on both Equifax and XXXX. Their reporting is also illegal, and is a direct violation of Federal Law which states that inaccurate, incomplete, and or unverifiable information MUST be deleted from my consumer credit reports. 

In addition to the violation I've mention above, XXXX XXXX XXXX is also in violation of 15 USC which explicitly states that upon receipt of a consumer dispute, they must follow out the laws spelled out below : 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. 

( B ) Time of Notice ( I ) The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). 

XXXX XXXX XXXX violated federal law, by not properly providing the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the negative tradeline from my XXXX and Equifax credit reports. Any other action ( or inaction ) on your behalf may result in a small claims action against your company.
Product: Student loan

I have been XXXX  for 20 years and I have tried several times to have my loan forgiven. I have provided the Dept. of Education as well as Navient ( Sallie Mae ) with the documents that was asked for to get this loan forgiven. I recently tried again because I have been in my current XXXX  position for 5 years. And still I am being denied. According to Navient, in XXXX I received a student loan. Not so, I was in high school in XXXX, therefore, I could not have had a student loan. This recent denial is based on that. I am highly qualified, I XXXX XXXX and I work in a XXXX XXXX XXXX. I currently owe XXXX, XXXX ( approximately ) and I should qualify for loan forgiveness. I have contacted them XX/XX/XXXX then again XX/XX/XXXX and XX/XX/XXXX.
Product: Debt collection

I Sent Off Dispute Letters XX/XX/2020 & All 3 Credit Bureaus Has Not Replied. Its Has Been More Than 30 Days Once Again, & Everytime None Of These Entities Have Provided Verification & Proving This Belongs To Me. This Is My Final Attempt To Correct This Issue & None Of Them Still Gave Me What I Needed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with fair credit reporting act XXXX  account XXXX Has violated my rights.

15 U.S.C 1681 section 602 A. States that i have rights to privacy.

15 U.S.C 1681 section 604 A section 2 also states a consumer reporting agency can not furnish an account without written instructions.
Product: Credit reporting or other personal consumer reports

There are accounts on my credit report that should not be there, and I have no connection to them whatsoever. This is not only unfair but also extremely frustrating and concerning. Under the Fair Credit Reporting Act ( FCRA ) XXXX5 U.S.C. 1681, I have the right to an accurate credit report, and these errors should not be affecting me. I expect a full investigation and for these mistakes to be corrected immediately. If this isn't handled properly, Ill have no choice but to take legal action to protect my rights.
Product: Vehicle loan or lease

I am from Louisiana and found a car I was interested in buying online in XXXX, Tx. I spoke to the dealer and made arrangements to purchase the vehicle. I had a friend bring and drop me off to do so. XX/XX/2022 I purchased the vehicle from XXXX XXXX. Not being able to review the contract while in the company of the finance manager representing XXXX XXXX due to no copy being supplied and having to rely on a video display and the finance managers word I didn't realize the vehicle price was altered to a higher price than advertised and agreed upon. Nor was there any explanation that my loan would be transferred to NMAC and that they would be tacking on all these finance charges. I would later found out all this information after I sent a debt validation to NMAC and they returned a contract for validation. This contract along with another that would eventually be sent during my communications with NMAC are both dated incorrectly with separate dates all of their own and with signatures I did not sign. These signatures are replications from a computer copy and paste as they are all identical with obvious discrepancies from copy and paste method. After communications with the TX XXXX and my case review XXXX XXXX the investigator with enforcement division of the TX XXXX issued a violation 215.242 to XXXX XXXX in lieu of this deceptive practices.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've contacted Experian multiple times and each time they either ignore me or don't follow the rules of the FCRA. I will attach my final letter to this complaint before I just take them to court. This is ridiculous and all they have to do is remove my requested accounts in question. Each company hasn't provided me a shred of proof and nor has Experian. Let 's make this easy on each side and just follow the law and rules.
Product: Vehicle loan or lease

Turned in my lease ( XX/XX/XXXX ) after a dealer incentive to buy a new car. I was told by the dealer there would be no additional lease charges. On XX/XX/XXXX received a bill from XXXX XXXX in the amount of {$1400.00}. They drafted another payment of {$720.00} and applied it against the balance. I was told the excessive charges were for a cracked windshield and 2nd key. I turned in both keys. I got no credit for tuning the car in approx 12,000 miles under the contract limit and was not told of any additional charges before buying the new car. The dealer did involved and I agreed to pay a final balance of {$340.00} to XXXX XXXX which they said would bring balance to XXXX and the dealer reimbursed me as well. 

Now over a year later, I received another bill from XXXX  for {$360.00}. I was told I was lucky this was n't turned over to collections and it would be if I did n't pay it. I was told the additional fee was added because I did n't buy a new car from XXXX. I told him I did buy a new car the day I dropped this one off. He said he did n't see where I purchased a new car. I told him to check with the dealer. He then asked if I financed the car with XXXX. I told him that I financed the new car with the bank chosen by the dealer which was XXXX XXXX XXXX. He said that explains it and they would have waived the fee had I financed with them. I did n't so I have to pay them the {$XXXX} over a year after turning in the car and paying the amount agreed in XX/XX/XXXX. He also said I should have read the contract more carefully as it allowed them to charge the additional fees whenever they want to.
Product: Debt collection

Check sent then company send check back stating account was overpaid but account remained in collections for no known cause.