23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XXXX XXXX XXXX , XXXX, who assigned this account to RAB Performance Recoveries, conducted a presentation to my class at XXXX XXXX, in XXXX, MI. I was attending XXXX for their XXXX program and the recruiters for the XXXX XXXX were recruiting students to be in their XXXX program. The recruiters collected our information and stated that we could only enroll once we had graduated the XXXX program and had been licensed by the state. Following that presentation, I had never heard anything from the XXXX XXXX. I never provided any of the required information and NEVER enrolled in their program. Without my knowledge or consent, this program had taken out a private student loan for {$5400.00} on my behalf. I had never signed for nor received any of these funds nor did I ever agree to any terms for student loan, nor have I ever even enrolled with this school. 

I had no knowledge that this account even existed until I received a Writ of Garnishment request by RAB that was issued on XXXX XXXX, 2015. I am in the process of asking the court to vacate the judgment and allow me to proceed with a defense but that appears to be a long shot because RAB was able to get a default judgment without ever even informing that such a lawsuit existed. There was no attempts to collect this falsified debt until this recent garnishment. 

RAB Performance Recovery is apparently insistent that I owe this debt and has provided no proof of the validated of this debt. And I highly doubt any proof was provided to the court either.
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. 

XXXX XXXX XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. State 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 cremes 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 experienced unauthorized withdrawals on my ATM card on a Bank of America account. It happened twice : ( XXXX ) unauthorized withdrawal of {$980.00} on XX/XX/XXXX ; ( XXXX ) unauthorized withdrawal of {$760.00} on XX/XX/XXXX. The total unauthorized withdrawal was {$1700.00}. I noticed my bank account was locked on XX/XX/XXXX when I tried to use my ATM card. I received a new ATM card on XX/XX/XXXX and I found there were XXXX unauthorized withdrawals on XX/XX/XXXX and XX/XX/XXXX respectively. I was staying home and I did not use the ATM card in the XXXX days. I kept my ATM card and I did not release my pass code information to any other person. I filed a claim to Bank of America and I was issued a claim number : XXXX. On XX/XX/XXXX, I also filed a claim to XXXX XXXX Police Departement and I was issued a case number : XXXX. The contact phone number of XXXX is XXXX. I have provided all my identity information to Bank of America and XXXX. During the past XXXX year, I have contacted Bank of America multiple times on this subject. However, I still have not received any compensation from the Bank of America. I am perplexed by the following facts : ( 1 ) My ATM withdrawal was limited to {$900.00} on a day. How could Bank of America allow an unauthorized withdrawal of {$980.00} on XX/XX/XXXX? ( 2 ) It seems to me Bank of America noticed potential frauds after the XXXX withdrawals on XX/XX/XXXX and XX/XX/XXXX. Bank of America locked my account shortly after the XXXX withdrawals. They were certainly frauds. Why Bank of America does not compensate me on the unauthorized withdrawals after they were confirmed?
Product: Credit card or prepaid card

On XXXX XXXX, 2022 I received a virtual XXXX prepaid gift card with {$75.00} in value. This was sent to me via email. The email contained a link to their website which showed balance, transaction history, and the card number. I was able to spend about half of it over the next two days. On XXXX XXXX, 2022 I attempted to access the card number and balance through the link provided in the email. However, the site gave a " system error '' and instructed me to come back again later. Over the next two days, I checked periodically but received the same error. On XX/XX/XXXX, I called the company and was given a runaround for over 2 hours. They were unable to tell me why I could not access the information nor provide any estimated resolution time. As far as they seemed to be concerned, there was nothing they could do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent TransUnion a certified letter in reference to unauthorized inquiries on my credit report. I requested they send me documentation of my wet signature as I did not make the inquiries. Instead of completing and investigation I was sent a letter giving me an explanation of inquiries on my credit report ( letter dated XX/XX/2021 and I received it XX/XX/2021 ). I DID NOT request an explanation of inquiries on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX has been Harrassing badly. This company has been threatening me over the phone.They have been giving false balances to the credit agencies. They lied and stated to Transunion that I was included in my bankruptcy they werent. When my score goes up they report a fake balance. When ever I do a review on XXXX or XXXX they follow me and report and increase to the credit bureau. They filed bankruptcy and still want me to pay.
Product: Credit reporting, credit repair services, or other personal consumer reports

A mysterious secured loan account appeared on my credit reports from XXXX XXXX XXXX, it states that it was open on XX/XX/XXXX, states that it has been 30-59 days late with payments, last payment on XX/XX/XXXX, and that the account is now closed.  I did not open and secured or unsecured loans in over a year.  I have never heard of XXXX XXXX XXXX.  This is fraud.  I have contacted them and the credit bureaus and it still is showing on my credit reports. XXXX XXXX XXXX XXXX XXXX, NJ XXXX
Product: Vehicle loan or lease

I paid my loan in full and with Hyundai posted the payoff on XX/XX/2021. I discovered that a second full payoff disbursement was initiated from my bank account in error. I contacted Hyundai customer service on XX/XX/2021 to notify them I sent payoff funds twice - XXXX twice. They refused to reject the second pending transaction stating they were unable to do so. Rather than reject or return the duplicate payoff funds, Hyundai posted the second XXXX to the account on XXXX when it was showing a XXXX balance due. I have made multiple phone calls to Hyundai customer service to get the funds returned immediately. They have refused each time to escalate a check back to me and are saying I have to wait 45 days for the money. I am XXXX years old and need this money back in my account immediately to pay bills. Hyundai should have immediately returned the funds because there was no outstanding balance. Further, I communicated this to them right away. I am requesting Hyundai immediately return the {$9500.00} to me.
Product: Credit reporting or other personal consumer reports

I purchased a XXXX XXXX XXXX in XX/XX/XXXX. On XX/XX/XXXX my vehicle was stolen and I filed a police report. In XXXX of this year, I was advised by XXXX, the company that financed my vehicle, not to make any further payments. They assured me that this would not affect my credit. However, in XXXX of this year when I applied for a loan to start a business, I discovered that I had derogatory late payments on my credit report from XXXX. When I contacted XXXX in late XXXX, they indicated that they did not report me to the credit bureaus. I called back the same day and another service person from XXXX indicated that they did report me to the credit bureaus. They stated would remove the derogatory late payments, as they were the ones that advised me not to make any further payments because my vehicle was stolen. When I check my credit report again in XXXX of this year, derogatory late payments were still on my credit report. When I requested a transcript of the call to verify that they ( XXXX ) would remove the derogatory late payments, they stated that they would send the transcript, but they have not sent the transcript or have not follow-up or communicated with me. This is affecting my ability to get loans or credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, incorrect information was found in my reports. The XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the account that are reported on my Credit Reports : XXXX XXXX Balance Owed : {$15000.00} Date Opened : XX/XX/2019
Product: Debt collection

I noticed that Credit Collection Services of XXXX, MA filed an item in collections from XXXX against all 3 bureaus credit reports. I have never had an account with XXXX in my life, so I am angry that they filed a collection for a debt that I do not owe. I would also like to know where the account came from and would like to have an investigation started. 

This is a large debt of {$3400.00}. I tried to dispute this debt with the first reporting agency. XXXX XXXX was the first, and, after investigation, they reported that they were able to verify accuracy. So, I held off on disputing with XXXX and XXXX. 

Another thing I want to make perfectly clear is that this company did not call me once and reported this debt against my credit report. In my opinion, that means they did not do their due diligence ensuring that they are reporting debt against the correct individual. Not only did they file this debt in collections against my credit report, I never once received a call from XXXX or the collection agency. I am very upset and look forward to getting this resolved.
Product: Debt collection

I have reason to believe that this debt may have been the result of an identity theft. Based on the information provided in my report specifying that I owe an amount of {$6700.00} for an apartment at XXXX XXXX. This information is completely false and inaccurate seeing that I never lived at this apartment location, nor is the address being reported on my credit. It makes no sense at all and I wish to address this matter with your consumer bureau. I have been struggling to resolve this matter for almost five years now and it has been one heck of a journey.
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEW A COPY OF MY CREDIT REPORT AND NOTICED FRAUDULENT ACCOUNTS ON MY CREDIT REPORT, THESE ACCOUNTS NEED TO BE REMOVE FROM MY CREDIT IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

I implore you to promptly rectify my account. It feels unjust to suffer the consequences of an error for which I am not responsible. This situation has become a significant source of XXXX, and I earnestly hope for a swift resolution.
Product: Credit reporting or other personal consumer reports

The following account are not mine and were unauthorized : XXXX XXXX Account Number : XXXX XXXX  XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX XXXX ACCT NUMBER : XXXX XXXX XXXX... ..ACCT NUMBER : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

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 my account without written instructions. 


XXXX was called and failed to investigate my accounts on XX/XX/2022 due to they needed to verify my identity. Proof of my drivers license and proof of bill was sent with my dispute and prior to that dispute they still ignored my disputes. please have them investigate and remove. 
Experian Also failed to comply with the FCRA as well and did not respond to my dispute nor send me verifications of proof of accounts. 
XXXX has failed me as well all of these bureaus has violated my rights multiple times and I would like these accounts updated immediately as I have proof as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX Balance : {$4700.00} XXXX XXXX XXXX XXXX Balance : {$11000.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, TN XXXX XXXX XXXX XXXX XXXX, TN XXXX XXXX  XXXX XX/XX/2023.
Product: Debt collection

This complaint submission is in regards to a false credit report by AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ). I have made attempts to rectify this matter with them directly as they have now been unresponsive. I spoke with a representative by the name of XXXX XXXX, who was both rude and uninformative. When first speaking to XXXX XXXX, he was extremely aggressive and hung up the phone when requesting information regarding the account. I then made another attempt and after waiting on hold for XXXX minutes, I was finally provided with the mailing address so I could forward them a Debt Of Validation letter. This Debt Of Validation letter which was sent on XX/XX/2022, was confirmed through CERTIFIED MAIL that the Supervisor had received the files by signature confirmation. At this point it is now XX/XX/2022, and after 30 days of notifying them, neither my Attorney nor I have received any response, or correspondents. I specifically asked for proof of the alleged debt and anything in signature or JUDGEMENT BY LAW stating I was obligated to pay them or falsely report a debt to the three major Credit Bureaus. I got a response from XXXX XXXX XXXX XXXX named XXXX XXXX who also failed to comply or provide any appropriate documentation for their claims. They also failed to return the requested information on the Debt of Validation Letter. I have never made any agreement with them nor the original creditor to pay anything, nor was I properly notified of this false reported debt. I am requesting AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) to immediately remove me from their systems and update all 3 major Credit Bureaus specifically ( XXXX, XXXX, & XXXX ) on this action. They have failed to follow the guidelines which were all provided to them in the Debt Of Validation letter that supports the Fair Debt Collections Practice Act. In result, AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) are violating my rights and are also causing financial hardship with this debt being reported. This false report by AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) has prevented me from gaining access to any lenders due to Derogatory Marks on file. At this point they have failed to provide any competent evidence or any legal obligation and AMSHER COLLECTION SERVICES ( XXXX XXXX XXXX, XXXX, AL XXXX ) is currently in violation of the Fair Debt Collections Practice Act, 15 USC 1692g. If this report is not updated immediately to the XXXX major Credit Bureaus, I will be taking legal actions and will immediately file a Civil Suit.
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 XXXX XXXX XXXX. 

Account Name :XX/XX/XXXX Account Number : XXXX Account Name :XX/XX/XXXXAccount Number : XXXX Account Name : XX/XX/XXXX XX/XX/XXXXAccount Number : XXXX Account Name :XX/XX/XXXX Account Number : XXXX and list of Inquiries. 

XXXX XXXX XXXX section XXXXXX/XX/XXXX. XXXX I have the right to privacy. 

XXXX XXXX XXXX Section XXXXXX/XX/XXXXSection XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX U.S.C XXXXXX/XX/XXXX 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 XXXX years. 

XXXX U.S.C. XXXXXX/XX/XXXXA 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

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. 
XXXX {$870.00} XXXX {$760.00} XXXX {$6600.00} XXXX XXXX XXXX {$170.00} XXXX XXXX {$15000.00} XXXX {$13000.00} US DEP EDXXXX {$6600.00} XXXX {$760.00} XXXX {$5200.00} XXXX {$18000.00} XXXX {$2200.00} XXXX {$420.00} XXXX {$28000.00} CHAPTERXXXX BANKRUPTCU DISCHARGEDXXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

i never provided written consent and are unaware of the unauthorized and inaccurate accounts on my credit report. I also understand that under Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information,
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has removed all data from my credit file, and has not replaced it. Potential lender/s state that there is no file available from Equifax. The third party entities that pull Equifax for my report, are not showing any information. Equifax has not responded to any requests to resolve this issue.
Product: Debt or credit management

I sent my award letter from SSI to the 3 party debt collector stating Im endigent cant pay because of my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The XXXXExperian/XXXX  Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX {$1300.00}, XXXX XXXX Balance {$790.00}, XXXX XXXX XXXX Balance {$650.00}.
Product: Checking or savings account

My debit card stopped working without any notification and I was sent by a phone teller to a branch. The branch stated there was nothing they could do on their end since they can not issue cards
Product: Debt collection

Hi ; There are 3 different unknown medical collection accounts on my credit report that i've tried for many months to resolved but unable to. Again, I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX is reporting a charged off rent balance for an address I never lived in the amount of {$3500.00} it's reporting the date opened XX/XX/2017 with an original balance of {$2600.00} I've been going back and forth with this collection agency for years with no sign of solutions. 

The company only offer a settlement which is adding insult to injury for a debt that's not mine.
Product: Credit reporting or other personal consumer reports

I sent a certified letter to all XXXX bureaus asking them to correct the accounts that are reporting inaccurate information. I disagree with the accounts listed below, which still appears on my credit reportes, even after your investigation. The accounts below are reporting inaccurate, and hurting my ability to obtain obtain credit and housing, amoung other things. XXXX failed to investigate these accounts properly, after repeatedly asking to have these accounts updated or deleted. XXXX, has once again violated my consumer rights. Im demanding a deletion of the following accounts. 

XXXX XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX XXXX ( formerly known as XXXX ) Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX Account # : XXXX XXXX. XXXX  Account # : XXXX XXXX XXXX XXXX  Account # : XXXX -- XXXX XXXX Account # : XXXX -- XXXX  Account # : XXXX XXXX Account # : XXXX