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

XX/XX/2023 : Received a voicemail from BANK OF AMERICA Fraud Department ( XXXX ) XXXX stating call was in regards to a recent financial request that was received in my name and to return the call at ( XXXX ) XXXX. 

Immediately, I logged into my XXXX XXXX and XXXX accounts : The following information was posted on my XXXX credit report : XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX BANK OF AMERICA  got a copy of your XXXX  Credit Report. 

BANK OF AMERICA made a Bank/Credit Card Inquiry by checking your XXXX  Credit File . When you apply for credit, a " hard inquiry '' may be placed on your Credit File and it stays on your report for 25 months. 

Alert Details Source XXXX Company BANK OF AMERICA Address XXXX XXXX XXXX, XXXX XXXX, TX XXXX Phone ( XXXX ) XXXX I called BANK OF AMERICA XXXX XXXX ) XXXX and XXXX as well to report the inquiry is not mine/identity theft. They both confirmed to me that no account has been opened as of today.They are both working on disputing/resolving the inquiry. In the mean time I did set up fraud alerts through my credit bureau for further protection in monitoring in future identity theft.
Product: Credit reporting or other personal consumer reports

I am formally submitting a dispute regarding the unauthorized and inaccurate information currently on my credit report. Upon a thorough review, I have identified multiple significant discrepancies that do not accurately reflect my financial history or actions. These inaccuracies include accounts that I did not open, incorrect personal information, and inquiries conducted without my consent. I request that you investigate and remove the following items : collection/charge off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

They started contacting me about a debt that they shouldn't no nothing about because it's not verifiable.
Product: Credit reporting or other personal consumer reports

XXXX, TransUnion and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dated on XX/XX/2022 via Consumer Financial Protection Bureau ( CFPB ) complaint ID : XXXX Ally stated Ally Bank ( Ally ) had a permissible purpose to access your credit file in connection with evaluating credit transactions involving you. I, XXXX XXXX, Consumer, strongly disagree. Since Ally admitted such, now what Im going to need for Ally to do is ( 1 ) I demand Ally to provide me with Documentary evidence in regards of everything Ally stated mentioned above and ( 2 ) If Ally fails to do such, that will validate that what your stating is just heresy and will not be sufficient in Federal Court if we had to. Ally are you aware of transferring another person information without consent is a violation of 18 U.S. Code 1028A - Aggravated identity theft? And that Ally can be sentenced to a term of imprisonment of 2 years. Are you aware that Ally? As long as that is fine with you, its fine with me Ally. As you stated Ally Bank ( Ally ) had a permissible purpose to access your credit file now Im demanding that you prove to me with what lawful authority Ally had permissible purpose to have access to my credit file, transfer my information without any of my consent. Ally YOU stated this, So Im holding that to be your truth, these are your words, not mine Ally. I XXXX XXXX, Consumer, encourages Ally to read 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information. Again, as long as Ally are aware of their actions and fine with it, its fine with me and all actions necessarily will be taken. Failure to comply with requirements mentioned above will result in fines. Thank you, and best wishes Ally!
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 XXXX # XXXX XXXX # XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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. 

Attached is proof of the inaccurate information
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX DEPT OF EDUCATIONXXXX  Account # XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt collection

Portfolio Recovery Associates is doing unfair debt collection practices by reporting a debt to my consumer report as a means of coercing me to pay an extension of credit, which is a direct violation of 18 U.S.C.894- Collection of an extension of credit by extortionate means. They have taken adverse action against me with forethought and malice, by attempting to collect knowingly false collections to my consumer report without my lawful authority. This adverse action defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), has negatively impacted my ability to operate in commerce. Congress makes it clear that causing a restraint of trade, pursuant to 15 U.S.C.1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct disclosure of my nonpublic information in accordance to 15 U.S.C. 6801 ( a ) of the Gramm Leach Bliley Financial Protection Act has been violated. They have also violated NY PL 190.79 ( 1 ). Portfolio Recovery Associates is not licensed to collect debt in XXXX, I will bring this to the attention of the attorney general.
Product: Credit reporting, credit repair services, or other personal consumer reports

The lender named Payoff Inc. under Happy Money has erroneously and falsely reported a negative month into my credit file with XXXX, and XXXX. They have told me that they only report when an account is 30 days delinquent. My monthly and semi-monthly payments towards my account with them have never been beyond 30 days late. To no avail, I have reached out to them electronically and via mail. They have defiantly 'Dug-In ' and remain defiant to the facts, facts that will show that none of my payments have been 30 days delinquent. I can even show where they removed one month where they had me as past due only to move that past due status into a month where payments clearly reflect that there was never a 30 day delinquency.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for credit with XXXX XXXX. The letter of denial stated that one of the reasons for denial was too many credit inquiries. XXXX XXXX pulled my credit from Experian. After checking my Experian credit file, I noticed several inquiries that were either there by mistake or weren't authorized. The following are inquiries that were just repeat mistakes/errors : XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX XXXX. XXXX on XX/XX/XXXX The only authorized XXXX inquiry was on XX/XX/XXXX. 

The next unauthorized inquiry was by XXXX XXXX XXXXXXXX  on XX/XX/XXXX. Here, I was signed into my existing XXXX XXXX credit card account and a pop-up appeared offering me more credit with no harm to my credit file. I pressed the button, but recently realized that it now appears as a hard inquiry, not soft. This was specifically unauthorized. 

The next inquiry is one I simply don't even recognize and surely didn't authorize. 
It's labeled Experian Business Cred on my credit report. I don't even know what that is, hence it wasn't authorized. 

Lastly, XXXX on XX/XX/XXXX was not authorized. I have this credit card and I never asked for a credit increase. This seems to be a simple mistake. 

I pulled my Experian file online and Experian said I needed to call them to dispute inquiries. When I called Experian on XX/XX/XXXX to dispute the inquiries, they refused to investigate and told me to call the credit company to dispute it with them directly. When I called XXXX, they told me to call Experian because they are the credit reporting company and they need to remove it. When I called XXXX XXXXXXXX XXXX, they couldn't explain why I had an inquiry. When I called XXXX, I was transferred to several different departments and never got a resolution.
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATIO WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE FACTS OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. XXXX Since this debt is disputed pursuant to the Fair Debt Collection Practices/ you are required to cease all collection of this alleged debt which includes reporting to my consumer report with XXXX, XXXX, AND XXXX O I hereby inform you that you do not have my consent to communicate with r through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity the 504 also DID NOT consent to you reporting information in my name to the consumer reporting agencies. 
Account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Liability For Willful Noncompliance ( 15 U.S.

Code 1681n ) Was not provided a 1099 c
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to escalate a credit report dispute that I have been unable to resolve with XXXX, XXXX, and TransUnion, which is in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. I have previously submitted disputes to XXXX, XXXX, and TransUnion regarding inaccuracies in my credit report, as allowed under the FCRA. 

I initially submitted my disputes on XX/XX/2023, XX/XX/2023, and XX/XX/2023, by certified mail with a return receipt requested. Despite the XXXX requirement for investigation, I have not received a satisfactory resolution to the disputes within the prescribed timeframe. 

The inaccuracies in my credit report pertain to the following : XXXX XXXXXXXX # XXXX I noticed you are reporting multiple 30-day late payments on my credit history. I dont believe these to be accurate. Please check your records and verify that I was more than 30 days past my due date. 

XXXX XXXX # XXXX You have previously verified this account as accurate. However, the past due amount is not reporting accurately and must be removed from my report. 

XXXX # XXXX I noticed you are reporting multiple late payments on my credit history. I dont believe these to be accurate. Please check your records and verify the accuracy of each late payment being reported by your company. 

XXXX # XXXX The date of the last payment is not reported consistently and/or accurately. Please remove this from my report. 

XXXX XXXX # XXXX This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

XXXX  # XXXX This account can not have a credit limit as there is no agreement between the collection agency and myself. Please remove this inaccurate information. 

I believe that the failure to correct these inaccuracies is in direct violation of the FCRA, which stipulates that credit bureaus must promptly correct or delete any information that is found to be inaccurate, incomplete, or unverifiable ( 15 U.S.C. 1681i ). Additionally, the FCRA requires that a consumer reporting agency conduct a reasonable reinvestigation to determine the accuracy of disputed information ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ).

I have enclosed copies of the original dispute letter ( s ), supporting documents, and correspondence with XXXX, XXXX, and TransUnion for your reference. I am providing this information to demonstrate my good faith effort to resolve these inaccuracies. 

I kindly request that you conduct a thorough review of my dispute and compel XXXX, XXXX, and TransUnion to correct the inaccuracies as mandated by the FCRA. I also request that any information that can not be verified as accurate be removed from my credit report, in accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ). 

I appreciate your prompt attention to this matter and your assistance in ensuring that my credit report accurately reflects my financial history, as required by the FCRA. 

Thank you for your assistance.
Product: Student loan

I called Aidvantage on XX/XX/25 about receiving a XXXX refund on federal student loan payments made during COVID forbearance per the CARES act. The representative I spoke with told me I would be getting direct deposit refund in 2-4 weeks and that my balance would be re-instated within a few days. None of this has happened. Please help me.
Product: Vehicle loan or lease

In XXXX I Visited a JD Byrider In XXXX NC. I was young and did not understand how to purchase a car. Today I felt as if I was being scammed for my ignorance, but I was desperate at the time for a vehicle to drive across the state for a new job that ended up not working. The car had issues, and I had driven the car to them a few times to fix it. I was buying a XXXX base level XXXX  XXXX  for around 10 grand. They told me that I would have a credit score of XXXX dollars. What they didn't tell me was the car had many issues, and the interest rate was almost 30 %. Upon losing my job, I had informed them and dropped the car off to them in perfect condition. I wasn't aware at the time that this counted as a repossession since I was the one who returned it because I honestly couldn't afford this car.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. The XXXX XXXX XXXX account is reporting late as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please remove the late payments from this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing a account on my credit report from XXXX with Experian Credit Reporting Agency. XX/XX/XXXX XXXX i sent a letter to Experian Credit Reporting Agency certified and XXXX certified mail disputing this account as not mine. I asked for validation of this account to include the original contract with my signature and identification and address. This account is reporting negative with a XXXX balance. How can a account report negative with a XXXX balance? .They are still reporting the account to my credit report as accurate which is a violation Under the FDCPA, you have the right to debt validation. This means a consumer can demand that a creditor reporting information to the credit bureaus prove the account is really your responsibility and that the balances are accurate. Once your letter is received, the collection agency must stop all collection activity, including reporting and verifying, until they supply proper validation of the debt. If the collection agency failed to validate the debt and has sent a notice of the debt to a consumer reporting agency, the notice of the debt must be removed. If not, send a notice of the failure of the validation to each consumer reporting agency that lists the debt. Unless the credit reporting agency can validate the debt, it should be removed from your credit report. I want this account removed from my credit report for failure to to properly send validation of this debt.
Product: Debt collection

Hi, XXXX XXXX XXXX XXXX XXXX is still taking out money for this debt they have on their end. As such the most recent payment came out of my account on XX/XX/XXXX for the amount of {$31.00}, but I had been paying on this debt since XX/XX/XXXX, as such I am still paying on this, so I am unsure as to why they sent this to debt collection. As such XXXX XXXX XXXX XXXX XXXX has now sent this to debt collection at " Credit Collection Services '' all the while why they know they are still taking payments out of my bank checking account on this, so this is an unfair practice. In addition they sent me a bill for the double the original amount owed and now say, I owe double the original amount for the same account # .They ( XXXX  XXXX XXXX XXXX XXXX XXXX are re-billing me and double charging me for the same services I already paid for on the same account and not giving me credit for the {$150.00}, I already paid. As such, ( XXXX XXXX XXXX XXXX XXXX XXXX has now sent this account that I am still paying for to a collection agency called Credit Collection Services XXXX And then they have me established on a second payment plan to begin taking out money for the same account, without closing the first payment plan, with different payment methods. Therefore I filed a grievance with XXXX XXXX and XXXX, and I am waiting to hear back from both of these agencies. I do not owe them double. This must be a software billing scam and or an unfair billing practice. 

Reference : MyDocBill Billing Support Team! My request has been assigned to a specialist with case tracking ID. '' Reference my XXXX complaint case number ( case number is XXXX ) Thanks
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the following fraudulent accounts and inquiries from my credit report. I have recently discovered that I am a victim of a data breach, and unauthorized access to my personal information has led to these fraudulent accounts and inquiries. In accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am requesting that these entries be blocked and deleted from my credit report. 
Accounts to be Blocked and Deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 As these accounts and inquiries were the result of unauthorized access to my personal information due to the data breach, I respectfully request that they be immediately blocked and deleted from my credit file.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX for unauthorized and inaccurate reporting on my credit report. Specifically, a charge-off amount of {$3900.00} was reported by XXXX XXXX XXXX on XX/XX/year>, which is not only erroneous but also violates several federal laws designed to protect consumer rights. 

Violations of the Fair Credit Reporting Act ( FCRA ) and Related Regulations 1. Violation of 15 U.S. Code 1681c-2 : As a victim of identity theft, I have informed the credit bureaus of this issue and requested the removal of the fraudulent information. According to this statute, a consumer reporting agency is required to block the reporting of any information resulting from identity theft no later than 4 business days after receiving such notification. It has now been 30 days since my notification, and this information remains on my report. This delay is a direct violation of my rights under this provision. I demand that these items be deleted from my credit report IMMEDIATELY.

2. Violation of 15 U.S.C. 1681a ( 2 ) ( A ) ( 1 ) : This statute specifies that no income, transactions, or experiences should be reported on consumer credit reports. The entry by XXXX XXXX XXXX includes information related to income and transactions that are unauthorized and not permissible under the FCRA. 
3. Violation of 15 U.S. Code 1681b - Permissible Purposes of Consumer Reports : Under this section, a consumer report may only be furnished under certain specific circumstances, such as in accordance with the written instructions of the consumer. I have never provided written consent to any consumer reporting agency to report the information in question. Reporting without my consent constitutes identity theft and a violation of my rights as a federally protected consumer.

4. Violation of 15 U.S. Code 1602 ( p ) : This provision defines the terms related to credit and associated transactions. The reporting of a charge-off amount does not meet the criteria for reportable information under this statute, and therefore, it should not be included in my consumer credit report.