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

XXXX XXXX XXXX ; in XXXX XXXX, Affirm under penalty of perjury under the laws of the United States of America that this statement is true and correct ; XXXX XXXX XXXX, I Have no knowledge of this Account KICKOFF LENDING LLC I Have never Signed a Contract with XXXX XXXX XXXX, or her Company KICKOFF LENDING LLC ; I did not give any written instructions to furnish my account to XXXX XXXX XXXX ; or KICKOFF LENDING LLC ; in accordance with 15 U.S.C 1681 Section 604 A Section 2, I ORDER these accounts to be removed immediately from my consumer report file : Any Contracts that Have my Name, image or likeness without my permission and written consent is Fraud ; & XXXX XXXX XXXXXXXX! 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Now that you have been notified that this information is inaccurate, I ORDER you XXXX XXXX XXXX of KICKOFF LENDING LLC ; to Immediately Delete this account KICKOFF LENDING LLC with Equitable Relief from my Consumer Report in accordance with 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. as this file KICKOFF LENDING LLC has damaged XXXX XXXX XXXX ; name, image, and likeness, reputation and damaged me physically and Emotionally since the report appeared ; For the Record ; I am NOT requesting the company to verify any information accuracy, I am demanding all consumer reporting agencys and 3rd partys corporations to delete all unauthorized consumer reports stated above, from my file immediately!! I also Demand that I be Compensated for my Damages and {$1000.00} XXXX XXXX XXXX  for each Violation In Accordance with 15 U.S.C 1681 section 602 A. & 15 U.S.C 1681 Section 604 A Section 2. Pay to the order of : XXXX XXXX XXXX ;
Product: Credit card or prepaid card

Applied for credit. 
Received low offer at high interest rate : XXXX @ 25 % APR Company sent credit card and we did not activate card/account nor log in to account Company immediately started reporting to credit bureaus One year later we receive paper statements Second statement asked for annual fee We declined to pay annual fee since we never activated card/account Called company they offered two options pay fee or close account Closing account would harm credit score Paying fee is unfair since we never used card
Product: Credit reporting

This is the third action I have pursued regarding Equifax reporting of Hard inquiries. After XXXX complaints to them, they reported on XXXX XXXX 2016 that XXXX is reporting no inquiries, see attached, but NO corrective action was taken on their part to remove this bogus entry from my report. What 's more, they claim that they can report my credit status ( hard inquiry ) under virtually any conditions. " If you apply to have certain services, such as utilities ( gas, electricity, water, etc. ) phone service, XXXX, your application, whether verbal or in writing, generally allows the company to make credit inquiry ; and '' So if someone claiming to be me for some anonymous company requests my credit information they can get it!!! This is unacceptable, with today 's public records all you need is a name a birthdate to obtain all info including but not limited to my SS #. 

THERE MUST BE LAWS WHICH REQUIRE CONFIRMABLE CONSENT for such information. 

I have no idea who XXXX is nor do they have a record of an inquiry, however, my credit record is damaged and obviously, Equifax has no intention of correcting the records without written proof from me or XXXX saying remove the entry. 

This is an example of how difficult, no virtually impossible it is to have erroneous entries removed from a consumer credit record. As indicated in the attached document XXXX they accept no responsibility for correcting their error. 


I DEMAND THAT THIS AND OTHER ENTRIES WHICH I DO NOT ACKNOWLEDGE BE REMOVED FROM MY REPORT!!! 

What 's more, I will pursue congressional action to place strict access limitations on this information.
Product: Money transfer, virtual currency, or money service

on XX/XX/2021 I used paypal to send {$120.00} to XXXX for the service of providing XXXX vendor spaces at an arts and crafts show. When I detected suspicious answers from her about the event I asked for her credentials and she immediately put a block up against me so that I could no longer contact her via XXXX in a group page called " XXXX XXXX XXXX ''. I researched the event and found that it was made up and not really an event at all. I had just paid her for XXXX spaces and she was pushing me to pay for a XXXX event as well. I immediately contacted paypal who told me they flagged her account as fraud and there would be a XXXX to 10 day investigation. But there never was. The next morning paypal said they did not find in my favor of the dispute based on the reason I gave. ( They only had XXXX boxes to check on and none of them were fraud. ) So I called and spoke to them again and they again said they would do an investigation but to not worry I would be refunded in XXXX to 10 days, but again, the next day they closed the case and said my reason does not meet the reasons they have listed. I explained it was fraud and they do not have a checkbox for fraud. Again they said it would be investigated and not to worry as they would hold her money till the XXXX and then it would be deposited back into my paypal account. Today is the XXXX and I have not received my money, furthermore they have blocked full access to my account saying I have suspicious activity. They are also being frauded by this person who stole from me. I do not know what reasons she is giving them but they are taking her word over mine. I also supplied them with the phony ad she had on facebook that she was using to steel, not only mine but my co workers and others throughout the state of florida. I am afraid to give paypal the personal information they are asking me for in fear that she will somehow get it or that this paypal agent is in on this scam with her. XXXX There are roosters cackling in the background on these calls to paypal! ) please help me. 

I have provided proof of all interactions with payments in the attached files. It is clear the individual posing as XXXX XXXX gave the paypal for an individual named XXXX XXXX, and that paypal ignored the facts is insulting and hurting to people in an already struggling economy,
Product: Mortgage

My mortgage company is incredibly clueless. They did n't pay my Homeowner 's Insurance policy last year and it was cancelled accordingly. I contacted them ahead of time to advise I received notice and then still managed to be late even though I advised when it needed to be paid by. This year I contacted them 2 weeks before it cancelled. My insurance company said they called and asked about renewal on the XXXX and my insurance company stated they would have provided the renewal amount. My mortgage company said they never got the renewal amount (? ) and then advised me they sent a check for the prior years renewal amount on XX/XX/2016. I contact my Insurer ( XXXX ) again on XX/XX/XXXX, they advised of the above call on the XXXX and stated there was no contact or check received from the company since then. This has been grossly mishandled and I have had to figure it out both years and been stuck in a state worrying about my insurance policy cancelled, premium rising because of their mistake, or being stuck with Lender Placed Insurance because they ca n't handle an escrow account properly.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : 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 was going over my credit report when i noticed a Item that was not authorized and i would like it to be removed. 

Experian XXXX XXXX XXXX, XXXX {$490.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

On the XXXX of XXXX of 2022 Celsius blocked all accounts from transfers or withdraws. 
At the time I have XXXX btc, XXXX XXXX and XXXX usdc. 
They blocked all accounts leaving us costumers with no control over our assets. 
XXXX do not return my emails asking for access to my funds and did not answer my calls. 
I do not want any thing els than my life savings that they hold.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and 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: Credit reporting, credit repair services, or other personal consumer reports

I disputed false reporting of a XXXX XXXX account on my report in XX/XX/XXXX. Experien stated that it was verified, however the information being reported ( repossession and balance ) were not true. Fast forward to XX/XX/XXXX, I received a letter ( enclosed ) from XXXX XXXX stating such and refunding me money owed due to their negligence. However, when I tried to redispute this with Experian to have the account removed, their system will not allow it.
Product: Debt collection

Automotive Credit Corporation the original lender who I got the auto loan from and their lawyers/debt XXXX XXXX, XXXX & XXXX XXXX XXXX 
On my credit report they have on their records the wrong amount owed which is double or almost triple according to my credit report. 
I have a court settlement for XXXX for which it was agreed upon that I pay XXXX dollars every month till the debt is washed. I have paid this every month on time and have receipts of each transaction. My amount owed hasn't changed and in fact has shown to have increased from when I first started paying XXXX years ago ( XXXX of XXXX  ). On my credit report it shows that I owe {$17000.00} On XXXX, XXXX XXXX XXXX XXXX payment portal ( this is the company I make payments to as per the court and it states total due as XXXX which is false. Both of these companies are working hand and hand together. so I have no understanding why this is so incorrect, these companies are preventing me from getting my credit profile right and getting a proper loan. 
As of today with all of my payments up to date and on time I have paid XXXX if my math is accurate. I should only owe XXXX which is a very different # than what they show me to owe.
Product: Debt collection

Checking in my XXXX XXXX account, which I do often, saw a new derogatory mark for a certain Credit Mgmt that lowered my score by 8 points. I have no idea what account it refers to, since I'm very careful with my payments, as my credit history surely shows. I would like to know what account was left pending, so I can either dispute or comply, so the derogatory mark is erased form credit history.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act XXXX XXXX XXXX XXXXXXXX XXXX. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( XXXX ), XXXX XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, as highlighted in the CFPB 's recent administrative proceeding XXXX XXXX XXXX XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Account name XXXX Account number XXXXXXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX XXXXXXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my ( XXXX, Experian and/or XXXX ) credit report. My latest credit report shows credit inquiries that I did not authorize from XXXX XXXX XXXX 

I am writing to dispute the following inquiries and ask for their removal from my credit report. I did not apply for credit, loan, or have done any business with XXXX XXXX XXXX 

Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 

Thank you for your assistance. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX Bankruptcy : Bankruptcy ) I recently discovered through my new monitoring service this account being reported I made efforts to remove this account from my file as it does not belong to me. This account is reported false through this company in XXXX of 2019 an has been reported to the FTC and authorities as Identity theft. I have submitted all of my information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

I investigated incorrect information on my credit file with Equifax. 
Equifax allowed XXXX XXXX and XXXX XXXX to change the date of the last payment that was received. I requested for Equifax to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT FILE AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. NONE OF THE DISPUTED ITEMS WAS AUTHORIZED BY ME AND I HAVE NO IDEA AS TO HOW THEY GOT ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE NEGATIVE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF OF MY CREDIT AS SOON AS POSSIBLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone has stolen my identity & XXXX will not delete this information. These accounts do not belong to me & I did not get anything from these people. Please delete this information from my credit report. I have attached a police report, identity theft report & a request to block & delete this information.
Product: Debt collection

XXXX XXXX XXXX a 3rd party XXXX XXXX ( XXXX. XXXX XXXX XXXX, Fl XXXX ) has continued harassing me with calls, letters and also adding this debt to my credit bureau agencies. There is no account number to this debt. 

I have asked to send me original contract with my signature for proof regarding this debt in the amount of {$590.00} and XXXX has failed to do so. I am requesting verification of this debt to XXXX XXXX and removed my 3 credit Bureaus. 

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

Received notification in XXXX 2019 of an outstanding balance from RSI Enterprises and contacted company in order to gather more information. Paid 1/2 of the medical debt ( {$250.00} of the {$490.00} total debt ) owed to XXXX XXXX over the phone on XX/XX/19 and then paid the remainder ( {$240.00} ) on XX/XX/19. On XX/XX/19 the account is still on my report and is also showing as open. This is hurting my credit score and also hindering me from home purchase. I contacted RSI on XX/XX/XXXX and was informed they would remove the account and send record. The document sent is misleading and I can not confirm if the account has been deleted from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to FIX a portion of the data in my credit document ; notwithstanding, there are still items to be fixed. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these items. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX is reporting inaccurate information that the account is opened. this account was fraudulent and needs to be removed XXXX is reporting a second fraudulent account that needs to be removed XXXX  never sent a billing statement nor bill of a balance due. i am requesting all lates be removed. 

XXXX  : i was never late this account is my own money and should never be showing as late XXXX XXXX  is reporting lates over 7 years old. lates need to be removed
Product: Credit card or prepaid card

On XX/XX/2020 my Nevada state unemployment debit card through Bank of America was frozen due to fraud. I had not placed any fraud disputes or complaints. I have I called both Bank of America and the state unemployment department at least twice a week as well as email them and continue to do so. So far i have called over 167 times and have sent over 200 emails. I have emailed them documentation to prove my identity and explaining the scenario nothing has changed. When I called the state unemployment department they blame Bank of America and when I called Bank of America and they blame the state department. When speaking to the unemployment department I am told that there is nothing wrong with my account that I should continue filing. However when I speak with Bank of America they tell me the opposite. All of this has caused me extreme stress by having my phone cut off, no means of transportation, and no way to pay my rent. I do not have family here and moved right before the pandemic lockdown. I can understand undue stress on families and believe this to be part of the increase in CCSD students XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a CFPB complaint against Experian regarding the below account : XXXX Acct # XXXX Upon review of the account, Experian confirmed that all information had been verified with the furnisher. There are multiple inaccuracies on the account verified by Experian. Experian and XXXX are reporting different information in multiple areas on this report. Attached you will find those inaccuracies. 
Furthermore, I was not provided any signed documentation or other proof that this account belongs to me, as requested. 
THIS COMPANY IS IN VIOLATION
Product: Debt collection

I received a civil summons, to my home, from Slovin & Associates on behalf of XXXX XXXX XXXX XXXX which was bought from XXXX. Besides the fact that its a super aggressive, unnecessary action, XXXX  is an extremely predatory company. Im not even certain it is my debt, I believe its fraud from my past, but I can not afford an attorney and have no way to prove it so I know Im going to be forced to pay the debt. I also found online in regards to XXXX  : XXXX  personal loans may have a low barrier to entry as well as a simple application process and fast funding, but the risks involved are high. The triple-digit interest rates are borderline predatory and can create a serious financial drain. This debt started at {$2500.00} back in XXXX, they are claiming I owe {$2200.00} ignoring the fraudulent and predatory interest rate. Although, {$1400.00} was paid from XX/XX/year> to XX/XX/year> with only {$220.00} going to the principalthere is documented proof as part of the civil summons. That means only {$1000.00} is actually left to be paid. I will not allow myself to be doubly prayed on, and Im only willing to pay the {$1000.00} as is my right in the state of Kentucky. I know each state has its own consumer rules and protections. I also know their astronomical interest rate is illegal in my state of Kentucky. I will only pay {$1000.00}, or I will be forced to get an attorney and sue both XXXX XXXX and XXXX for fraudulent, predatory practices. There have also been multiple complaints online about XXXX, and how predatory the company is. 
Now Slovin & Associates are trying to ignore the previous payments, that there is documented proof of, they are trying to demand I pay more than what is actually due. They are also threatening to put a lien on my property, which is not even in my name. Ignoring the fact that the loan was not even legal and proper in my state of Kentucky and the interest rates were not legal. 
I will be verifying my rights in my state of Kentucky as they are in Ohio and seeking an attorney to sue if needed/advised. 
There are also a lot of online complaints on Slovin & associates and they are known to be shady.