23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to report an account listed on my credit report that I believe is inaccurate and does not belong to me. The account in question is XXXX XXXXXXXX XXXX XXXXXXXX XXXX 

Details of the Situation - XXXX # XXXX The account was reported on my credit report dated XXXX and shows closed, such as the balance {$3300.00} payment status, - **Inaccuracy** : I have no affiliation with this account. I have never opened, used, or authorized any transactions related to this account. This could be a case of identity theft, a clerical error, or inaccurate reporting. 
- **Impact** : The presence of this inaccurate account has negatively affected my credit score and my ability to obtain credit. I have been denied credit applications and faced higher interest rates because of this erroneous information. 

**Actions Taken** : I have already attempted to resolve this issue by [ describe any previous actions you have taken, such as contacting the creditor, disputing with credit bureaus, etc. ]. Unfortunately, these efforts have not resulted in the removal or correction of this account from my credit report. 

**Resolution Requested** : I request that the Consumer Financial Protection Bureau investigate this matter and assist in the removal of the inaccurate account from my credit report. I believe that correcting this error is essential to ensure my credit report accurately reflects my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 9 accounts on my credit report that do not belong to me I am a victim of identity theft and I have opened an FTC I have a notarized affidavit for identity theft I have been disputing these since XX/XX/XXXX and nothing is being done about it I need help. 

XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$8400.00} XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} XXXX XXXX - Acct # XXXX balance {$19000.00} XXXX XXXX  - Acct # XXXX balance {$1800.00} XXXX XXXX XXXX - Acct # XXXX balance {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX9
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this complaint to Self/Lead Bank. I sent them a letter regarding the inaccuracies in my report such as date of last activity, date opened, date reported, payment status etc. They took more than 30 days to complete the investigation and they claimed that they did a thorough investigation. However when I checked my report, I did not see any changes made at all. The inaccurate information are still reporting. 

My rights has been violated numerous times. 15 U.S.C 1681 section 602 A. States that 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 instruction.
Product: Credit reporting or other personal consumer reports

Hi, I'm submitting this complaint because I have nowhere to turn too! Recently, I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that Experian, XXXX, & XXXX didn't make sure it was reporting 100 % correct. 

In accordance with the FCRA and XXXX XXXX compliance reporting standards. 
Everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1881e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. I'm disappointed that Experian, XXXX, & XXXX have not been able to provide me with any documented proof of compliance reporting standards and applicable consumer laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Personal Sworn Statement & Declaration : I declare that the foregoing is true and correct to the best of my knowledge. Furthermore, I certify that I am permitted by federal and state law to follow this dispute. I also understand that knowing and willful misstatement of omissions of material facts constitutes a federal criminal violation punishable under the 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18ll U.S.C 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. I have filed a formal report with the federal trade commission which I have attached to this letter. In addition, I have also corresponded with the agencies and Creditors listed. The respective agencies have been very cooperative with me and guided me to the point of taking this step to write you directly. I understand that you reserve the right to not delete and block the items. Im requesting you to do so for. I want to make it clear that Im not making this request an error. I have not misrepresented myself with the allegations aforementioned, and I did not obtain any goods, services, or money as a result of the transactions. I attempted to file a police report, but I was informed by my county that it did not constitute an emergency. Furthermore, they informed me that they wouldnt file the report because I didnt have any information on the individual or company who used my information, nor do I know how my information was wrongfully obtained. I want to personally thank you for taking the time to review my grievance and I look forward to your continued assistance. FOR SECURITY I HAVE ATTACHED MY IDENTIFICATION ON ANOTHER PAGE XXXX XXXXXXXX bank Which was brought by LUV funding was previously deleted for false information and inaccuracies. 
This company has me listed as a charge off but is illegally reporting me as paying for an account that is current listed as closed. This is against FCRA compliance. This needs to be removed immediately. Please send me a copy of the updated credit report. There is also a fraud alert on my account in which the company has not complied with. 

Multiple Fraud alerts have me placed on my account. XXXX has received several notices disputes and police report numbers. They have yet to remove this inaccurate information from my account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for XXXX year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

They are trying to collect on a receivable they bought from XXXX XXXX XXXX XXXX XXXX XXXX ) for a charge back in XX/XX/XXXX. We paid an amount ( around {$170.00} ) that was not covered by insurance back in XXXX. All of sudden an additional amount is being billed ( original letter is dated XX/XX/XXXX ) to us in XXXX by Phoenix Financial ( collection agency ) for XXXX XXXX XXXX XXXX. All they have is an entry on their books that says we owe with no explanations. And all they can say is we owe it, and IT will hurt our credit until it is paid ( {$220.00} ). 

They don't even try to give us suggestions on how to follow up this. This is not right and I feel we are just being bullied into paying something that we don't believe we don't owe. And we never got a bill for this additional amount that supposedly we owe.
Product: Debt collection

Upon review of all 3 of my credit reports, I found an account listed under Vance & Huffman LLC. I have no business dealings with this company, no contract and no signed agreement showing I have purchased anything. I have initially reported this to XXXX who has now completed their investigation with the findings of this account being a result of identity theft, this account has now been removed from my XXXX file. I am now showing this account listed on my XXXX credit report listed under amount of {$5200.00}. Please review the results from XXXX and take action to remove this inaccurate account from my XXXX file.
Product: Checking or savings account

Bank of America reported some overdraft accounts on reports to XXXX XXXX XXXX and XXXX. I paid off all my accounts with Bank of America ( even one I did not recognize as being mine ) in a total of {$790.00}. This was paid in full on XXXX XXXX, 2016. I requested from Bank of America to removed the accounts from both of the agencies listed above. During my calls to Bank of America there was difficult in them getting me to the right department and person to talk. I later filed a dispute for removal from XXXX XXXX XXXX on XX/XX/XXXX They removed none of the accounts. ( Thought them removed all but one but the copy I have from XXXX XXXX shows updated they were paid not removed but XXXX shows all but one removed. For this account they listed the contribution reason as " Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I have asked Bank of America for the details of this to no avail. The last representative I spoke with stated I had done everything I could do and she did not know why it was not removed. They sent a response to me which was dated XXXX XXXX 2016 upholding their decision but no specific information was provided. I have never nor have I never attempted to commit any form of fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a written request via certified mail to EQUIFAX requiring that they remove numerous inquiries from my credit report which are being furnished in violation of federal law to begin with. These inquiries are contributing to an immense amount of stress in my life and prohibiting me from conducting consumer transactions.
Product: Credit card

SOME ONE OPENED ACCOUNT UNDER MY NAME I DID'T KNOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I disputed through all three credit bureau stating i never had aacount with this company 's, they kept saying the account was verified. I sent a certified letter requesting validation of the debt with a copy of the application with my signature, I have not received anything. On  XXXX / XXXX / 17 , my credit monitoring sent an alert. from  XXXX .   XXXX   XXXX   had updated the account from Charge off account in high credit is original charge-off amount to charge off account, unsecured,  Amount  in high credit is original charge-off amount. They refuse to remove this account from my credit report knowingly I never had an account with them and they have no proof to valid the account either that has my signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The Experian credit bureau is required to authenticate this item under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting item as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable item and update it immediately in my report : XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX.XXXX.2018 XXXX the security company did a hard credit check on my credit worthiness regardles of the fact that I did not reques an XXXX  installation for myself and I gave my conyact information just to facilitate the scheduling for an estimate for one of my clients. I gave the client name, address and phone number to the XXXX rep and I only gave my name and phone number just so I can be present and open the house for the XXXX technician that came for the estimate. I was not asked or advised by XXXX about this credit check. 
I called today XXXX and told them about this mistake. They appologized and refered me to their Escalation Department to help fix this mistake and remove the inquiry from my credit file
Product: Debt collection

Since 2016, I have been contacted by XXXX XXXX XXXX XXXX XXXX, about a debt collection item.  During which time, they have called me numerous times per week and have sent several written communications attempting to collect on this debt, even after being asked to cease efforts. 

For over two years I have requested the below information, yet XXXX XXXX XXXX has not provided one item of proof that this account belongs to me. In addition, they have continued to harass me with phone calls and physical mail sent between 2-4 times per week. 

I asked for this information, which is my right, yet they have failed to provide me with any of the items. 

1. Copy of the original contract bearing my signature that shows I agreed to pay what you say I owe.

2. What the money is owed for.

3. Proof of XXXX XXXX XXXX assessed and calculated the outstanding debt. 
4. Payment history from the original creditor.

5. Proof that they carry a bond.

6. Proof that they are licensed to collect in my state of residence ( California ).

7. Proof of license numbers and Registered Agent or Agent of Service.

To this date, I have not received any of the requested information that is my right under the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }. 

They have consistently violated Debt Collection Practices and I'm now filing formal complaints with the Consumer Financial Protection Bureau, as well as the California Office of the Attorney General. I also have hired an attorney to help in my efforts. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I really hope you can help me. XXXX and Equifax reporting an account that is past the statue of limitations. It's over 7 years and should no longer be reporting. I really need your help. There is an account with XXXX XXXX XXXX that it appears is some time of debt buying company. I have disputed it several times and XXXX said to contact XXXX and XXXX will not send documentation showing the account information. I really need your company 's help.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, EQUIFAX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 




XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX 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 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I have sent Trident Asset Management a debt validation letter, requesting validation as well as their right to collect in my state and proof the statute of limitations had not expired. 
They sent a phone bill XXXX no copies of Contracts, no XXXX or XXXX number, no signature etc ) this does not validate the debt. 
Trident also is reporting when the are not the current account holder, that falls under XXXX XXXX XXXX who is owned by Trident, but not licensed in Fl. 
According to Fl statute of limitations ( which they did not send proof of ) a XXXX XXXX is XXXX and an XXXX is XXXX yrs.. This bill they sent is dated XXXX/XXXX/XXXX, which by Fl law the statute of limitations has expired. ( Please see attached )
Product: Checking or savings account

I am writing to express my disappointment and frustration regarding the unfulfilled promotional bonus associated with opening a new Chase Total Checking and Chase SavingsSM account, as advertised. 

Last year, in XXXX, I took advantage of chase promotion by opening both accounts and meticulously meeting all the specified requirements outlined in the advertisement. Despite fulfilling these requirements, I have yet to receive the promised {$900.00} bonus. 
The requirement included : 1 ) set up a direct deposit for checking account : {$500.00} biweekly 2 ) deposit and maintain {$15000.00} in my saving account for more than XXXX
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 15 USC 1681. 

Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 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: Checking or savings account

I opened a checking account with Citizens Bank in XXXX under the promotion code XXXX. The offer was {$220.00} bonus after receiving direct deposits for {$500.00} per month, for more than three months. The coupon was valid until XX/XX/2019 and the sales agent at XXXX XXXX XXXX XXXX XXXX branch confirmed the coupon was valid and the account had been successfully opened according to promotional terms. After three months, I called to check the status and whether all the terms of the payout has been met - and the answer was yes. I called a second time to confirm the date of the payout, and the answer was sometime in XXXX or XXXX. Today ( XX/XX/2019 ), I called for a third time and the agent said the offer had expired and that was why I had not received the payout. I informed the agent about prior calls, and she said there was no record. I believe I have been defrauded into a financial transaction and I am seeking relief from CFPB.
Product: Checking or savings account

Time after time, BOA will hold checks and payments and wait until the moment my direct deposit has gone in. I am over it, there is no reason I should 've had a fee, when there WAS enough funds to cover the check. They also have a fake story of " rolling fee reversal '', but can not give me dates, or times. They also are are supoosed to have a 24 hour time frame to fix an account with a negative balance ( per their handbook ), though do not follow their own guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

This inquiries were not authorized by me. Never having given my permission for them to inquire about my credit status, they were unauthorized by me. 

XXXX XX/XX/2022 XXXX XXXX XXXX  XX/XX/2022 XXXX XXXX XXXX XX/XX/2022
Product: Credit card

This complaint is about PayPal. I know that they had a settlement last year but wanted to alert you that they same issue that they were charged with then, just happened to me this past month. I 'd had a regular PayPal account that I used for years then suddenly this month, all of my regular purchases automatically went to a PayPal Credit account ( which I did not request or authorize ). I just contacted them, paid the balance on that account ( 1st time ever ) and closed the account ( I hope as they would not give me a confirmation number or e-mail ). Thanks for checking into this again, I 'm sure that this has some affect on my credit report, though hopefully not negative.
Product: Consumer Loan

When I went to the dealer, I signed for my credit check so they can see my credit and offer me a loan rate as they offer up to 0 % financing. The sales person told me that my credit score will give 8 % APR financing. I checked my credit score that night and it was already impacted for this credit check from Toyota. So I decided to continue and buy the car I found there. A couple of days later they have the car ready, I get the insurance and I was ready to sign for the car. When I was in the financial office, the person who attend me told me that my credit score was too low and they only way they can " help me '' to have the 8 % APR was if " I help them '' buying the extended warranty. It increased the final price for almost {$4000.00}. I told them I did n't want the extended warranties and all I want was the car and the 8 % finance initially offered. The person in charge of the financial office was pressuring me to get the extended warranty, as I refuse to take it he told me that the APR will be 9.44 %. As my credit score was already impacted and I 've spent many hours in this dealership I did n't want to go to other dealer, I decided to take the car and sign with the 9.44 %. I think that this sales tactics, pressure and confusing information is not correct. Why they offer and initial APR but do n't say that is subject to buy extra services that increase the final price of the vehicle. Also this person who I do n't remember his name at the moment, was very rude, unprofessional, and was acting like he was doing me a favor not treating me as a customer that is buying a car. He said " if you do n't like the way I do it, you can go to other place ''