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

The unverified account indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require this account to be authenticated ( A ). I will take legal action against you if you do not validate this account. Please follow the law so that this situation can be settled quickly. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX
Product: Debt collection

This is a formal complaint against Account Resolution Services located in XXXX, FL. This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, XXXX XXXX and XXXX  and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, Account Resolution Services has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices - disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent ( 2 ) two letters to Experian, ( one of the credit bureaus ), after the first letter Experian responded by telling me that they have no credit history of me on file?? Experian stated that I need to send them proof of who I am so that they can proceed with my disputes, they needed a copy of my driver 's license and a utility bill or bank statement with proof of address, to which I did respond to their request. I blacked out my bank account number, but it showed proof of my address and I blocked the signature on my driver 's license to which they did not need ... .. they responded by stating " We were unable to honor your recent request because you did not provide sufficient identification information for us to verify your identity or the information that you provided was not legible '' LOL So I am going to reply with another letter with proof that it is me and also send a complaint to see if that is going to do anything. Thank You
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts, addresses & employers below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

These following accounts, addresses & employers have violated my rights : Account Name : XXXX XXXX Acct. # : XXXX XXXX XXXX XXXX Bank Acct. # : XXXX XXXX Acct. # : XXXX XXXX XXXX. OF XXXX Acct. # : XXXX XXXX XXXX XXXX  Acct. # : XXXX TOTAL XXXX Acct. # : XXXX XXXX XXXX Acct. # : XXXX XXXX Acct. # : XXXX These following Addresses must be removed : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX These employers must be removed : XXXX XXXX ARTS 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 if the person knows or has reasonable cause to believe that the information is inaccurate.

REMOVE THESE ITEMS FROM MY REPORT AND PROFILE IMMEDIATELY.
Product: Vehicle loan or lease

A fair and reasonable outcome. Corrected and updated credit report, assistance with locating the vehicle, explanation as to why they insisted a tracking device be placed on my vehicle before I could drive it off the lot and reason that they are now saying that was not part of the contract yet I had to pay extra to have it installed and to drive it off the lot. They even denied my request to waive that as a funding condition. They have also denied my requests to have the vehicle located. All negative remarks need to be corrected and at this point since I am not able to locate the vehicle I need to understand the legal aspect of this so perhaps mediation would be a positive solution. Initially, I just wanted to negotiate the additional interest that was added on to the loan. The principal has all been paid off. The additional interest is in the amount of around {$200.00}. They have refused to discuss or entertain any reasonable solutions I have attempted. Again, the principal is paid
Product: Debt collection

On XX/XX/2023 a collections claim was placed on my credit report under the company of Transworld Systems INC. I contacted Transworld and in order for me to verify with them but they wanted me pay them {$1.00}. I did not pay the amount requested because I did not trust the company or claim. 

I then went to XXXX and ran a credit report with them looking for collection claims. A claim on my credit report was present in the amount of {$280.00} for a utility company XXXX XXXX XXXX XXXX in XXXX Texas. Contact XXXX. I then contacted them to verify. After confirming there was an account opened under my social and name, I told them that it was identity thief as I am not a resident to Texas, do not own any property in Texas and do not have any family or friends in Texas. The rep was understanding and summitted a claim in on the company 's behalf but told me I would have to report the claim to FTC, submit an identity theft claim report, and a police report. 

I was provided with a claim number of XXXX.
Product: Credit card or prepaid card

I applied for td cash card on XX/XX/2018. It was an offer through email because me and my husband are td bank debit card holders for a long time. The offer was that were going to get {$150.00} for the first {$500.00} spend in the first three months and were going to get XXXX XXXX and XXXX XXXX. Which we got all of it. But there was also promotion that we can paid it off any balance in 12 months. Which wasnt the case when we received the second bill with late charge of $ XXXX.We called them and they say that there was 0 % APR on balance transfer not on the balance of the account.Please help!
Product: Vehicle loan or lease

XXXX XXXX XXXX  Carmax 's business practice egregiously crowbarred their auto finance loan using the bait and switch method. They openly denied my XXXX XXXX XXXX XXXX of {$55000.00} stating XXXX XXXX needed more verification to use the XXXX XXXX XXXX XXXX 

Carmax forged my signature to an e-file contract claiming Carmax auto loan has the same terms and conditions as XXXX stating they mirror each other when it comes to credit. Carmax associatedwas clearto assure me due to having great credit I would be approved, and another creditcheck would not be needed. 

Between the months of XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX my credit was going up and down of points all due to Carmax Auto loan originally ( {$28000.00} ) with a 15.70 % APR for 5yrs. Carmax associated misled me to believe I wouldn't need another credit pulling. 

On XX/XX/ while on thepremises Carmax forged my signatureto intentionally pull my credit well over 50 times till creating an error inquiry code, while still feeding my informationto other financialinstitutions for a car loan ruining my credit. 

UnknowinglyI became a witness, and a victim to an empire dealership who hascommittedacrime in my face. I have now become a credit risk to my personal credit, and to my business. Carmax showed no accountability to the multiple violations they have committed. 

Carmax have been reporting on my credit now as a charge-off stating I own them {$9600.00}. 

I have attached the multiple inquires, they have committed while still feeding my credit to others on XX/XX/ and my theft report. The forge contract showing my own signature, and the forge name they sign to their own contract. The police report. 

The Prequaified XXXX XXXX letter that was already approved for said amount, which I called to verify I just needed to pick vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly sent letters to this consumer reporting agency to correct my personal information, My legal name is XXXX XXXX XXXX. I am not a criminal Therefore, I do not have any aliases. This is false statement presented as fact. And it is causing significant damage to my reputation. i need this information corrected immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, Account Number XXXX.has violated my right 15 U.S.C 1681 Section 502 A. States I have the right to privacy.

`5 U.S.C 1681 Section 604 A Section 2.It also states consumer report agency can not furnish a account without my written instruction.
Product: Credit reporting or other personal consumer reports

To TransUnion, XXXX, and XXXX, It has come to my attention that inaccurate information remains on my credit report, despite previous disputes where you continued to verify the data as accurate. I have attached evidence proving that this information is, in fact, incorrect. By continuing to report these inaccuracies, you are in violation of the Fair Credit Reporting Act ( FCRA ) under Section 611, which requires a reasonable investigation, and Section 623, which addresses the duty to ensure accurate reporting.

This failure to correct the information also violates my rights under 15 U.S.C. 1681i ( a ), which mandates the correction of erroneous data after it is proven inaccurate. I demand that you remove this incorrect information from my credit report immediately, as it is unfairly damaging my credit profile. 

I expect prompt action in accordance with the law. Attached is the proof of the inaccuracies for your review.
Product: Credit reporting or other personal consumer reports

my XXXX federal app shows my XXXX bank as open not closed closed it last month and Trans Union XXXX XXXX XXXX has not done XXXX to correct information, I have made numerous phone calls to transunion, XXXX card, and XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated myfederally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 15 USC 1681 section 602a states I have the right to privacy 15 USC 1681section 604a section 2 it also states the consumer reporting agency can not furnish a account without my written instructions 15 USC 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 conviction of crimes which antedates the report by more than seven years.

15 USC 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 was scammed by someone impersonating XXXX XXXX XXXX XXXX  and I give him one time access to my banking account. I was thinking Im getting a loan but he start taking money from my checking account and putting in false checks to my account making me think I was actually getting a loan but he was taking money from me instead. Lesson learn!!
Product: Mortgage

Dear Sirs, I have been living in Florida since XXXX. I applied for a fixed rate HELOC. I was approved and later applied for a smaller HELOC that was variable. I noticed in the last year that my fixed rate has been raised. I inquired to the lending institution and found out that what had been offered as a fixed rate option was actually variable. To add to this, I have been receiving harassing calls stating that I haven't paid my variable HELOC payment only to discover that my variable payment was erroneously applied to the fixed payment. I feel that this entire issue is due to ineptitude, malice or a combination thereof. I feel this entire HELOC should be vacated and damages awarded.
Product: Debt collection

It shows on my credit report I owe {$530.00} to Revenue Rec. I called to find out what was going on since I never received a bill the guy on the phone told me it was through XXXX XXXX hospital and I owe another {$500.00} and something for a hospital bill to XXXX XXXX XXXX. I told him I didnt get a vill for either one and I have medicaide and medicare he insisted he talked to me in XXXX 2015 I tols him he didnt talk to me and that I have Medicaid and Medicare. He said I would have to take that up with the insurance company but it was probably to late. I told him yea because no one ever gave me notice.
Product: Debt collection

XXXX XXXX Rental claimed I am responsible for a dent on the rear passenger door. I am not responsible for this damage. It did not happen while the car was rented to me. It says so right on the original contract.
Product: Debt collection

I settled a Capital One account for less than full balance and was sent a XXXX. This company should no longer be on my credit report.
Product: Credit reporting or other personal consumer reports

I requested information on this account XXXX XXXX. Account number XXXX On one report it is closed and another it is open. This company do not have a license to collect debt in the state in PA.
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS EXPOSED IN A DATA BREACH. 15 USC 1681 RIGHT TO PRIVACY
Product: Credit reporting or other personal consumer reports

Review your dispute letter Saturday, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN, XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX Dear XXXX, XXXX received a copy of my credit report and am writing to dispute the following information that appears on my XXXX report XXXX 

Please verify or remove immediately the following accounts : XXXX xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX xxxxxxxxxxxx XXXX I dont recognize this lender and account. 
Please remove this inaccurate information from my credit report. 

XXXX XXXX XXXX XXXX xxxxxx XXXX I dont remember ever being late with a payment on this account. 
Please provide statements and records of all payments made and missed since I opened this account. 

The following inquiries are unauthorized or inaccurate, and I ask that you delete them : Inquiry from XXXX XXXXXXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit card or prepaid card

Fidelity gave a duplicate credit card to an unauthorized individual in another state without verifying proper identity and refused to tell me about that individual ( his/her address, e.g. ). When I found out, I was forced to change my credit card number. Now I can not log into my online account ( I do not know why ). I called Cardmember services and offered seven pieces of identification. When asked for an eight, I refused and requested a manager. After transfer, the person on the other line requested those same seven pieces of identification again, and I had to add at least an eight. I can not email without logging in and that is the isse. I can't pay without logging in and that is the issue. The pin number I established after their security breach isn't being accepted. My hands are tied. The card is no longer usable.
Product: Credit reporting or other personal consumer reports

FCRA 604 ( 15 US CODE 1681B ) FCRA 611 ( 15 US CODE 16811 ) FCRA 609 ( 15 US CODE 1681G ) i am writting to formally report identity theft and request the removal of inaccurate fraudulent negative outdated and incomplete items from EXPERIAN EQUIFAX TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, all consumer credit reporting agencies that is in result of identity theft being exposed to multiple data breaches according to my rights under the fair credit reporting act SECTION 623 ( a ), SECTION 605 ( b ), i an entilted to dispute and correct any erroneous information that adversely affects my credit standing. Also I am writing to formally request that you cease and desist all collection efforts regarding the accounts referenced above/below, ATTACHED TO FTC REPORT . According to the Fair Debt Collection Practices Act ( FDCPA ), it is unlawful for a debt collector to attempt to collect a debt that is time-barred without disclosing its unenforceability. As per the ruling in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ), your collection attempts on these accounts without proper disclosure could mislead an unsophisticated consumer to believe that the debts are legally enforceable.

Therefore, I demand that you immediately stop all communication with me regarding these debts and remove any negative information related to these accounts from my credit report. The details of the accounts The fraudulent activity has severely impacted my credit and i seek prompt resolution to rectify this situation with the removal of the fraudulent accounts listed below : ARE : XXXX XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX  ( XXXX ) XXXX XXXX ( XXXX ) .FRAUDULENT INQUIRES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

XXXX COUNTS OF FCRA VIOLATIONS REMEDY : COMPENSTOURY DAMAGES, PUNITIVE DAMAGES ( {$200000.00} ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX PLEASE SEE MY EXHIBITS ATTACHED PROVING FCRA VIOLATIONS ( see the attached ) For the past 24 months i have submitted certified letter dispute pointing out to the company 1692 FCRA violations yet they refuse to remove the in accurate information and account. I have even seek the CFPB assistance and the inaccurate accounts remains. See company willfully and negligently verifying the inaccurate account for XXXX 24 months. For the last time please take a look at my attachment and follow along : Item XXXX XXXX XXXX XXXX XXXX REFORTING TWICE ITEM XXXX XXXX XXXX XXXX Reporting twice with different payment dates for the same account number. ( see exhibits ) XXXX. XXXX XXXX XXXX XXXX have been reporting account with {$24000.00} balance twice on my credit report for the past 36 months. Once again they reported the same account closed several times twice also with different closing dates and date of last payment. Such as Account closed on XX/XX/XXXX, The same account closed again on XX/XX/XXXX and reporting as two seperate accounts on credit report : ( see the attached ) Questions : 1 How can you verify the same account numbers reporting twice on a credit report? XXXX, XXXX and XXXX are also liable and in violation. 2. How can you say you call the company and verified reporting inaccurate information for 36 months of disputes? XXXX. How can you close the same account twice at the same time on a credit report with different closing dates? ( see credit report exhibits ) This is inaccurate and a violation of FCRA laws. I now have enough 36 months credit reports and responses from all XXXX, XXXX and XXXX to prove FCRA violations and damages done to my credit and life which also include the many times i disputed with the CFPB. Rather than wasting time on a lawsuit i keep pointing out these errors yet they willfully and negligently refuse to remove the inaccurate information from my credit report. If they fail to remove these two items for my credit file by XX/XX/XXXX i will move to file a FCRA complaint in XXXX court where i will ask for compensatory and punitive damages for {$200000.00} for the damages this inaccurate reporting have caused me for the past 36 months. The CFPB can verify my many disputes regarding this matter and the company responses which i also intend to use as exhibits in my lawsuit if filed. For the last time i urge you to take a close look at the attached file/credit report showing the FCRA violations mentioned.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account with XXXX XXXX is not mine. I have several emails from XXXX claiming that they are deleting this item. I am attaching a letter from XXXX XXXX indicating that they are removing this item from my credit report
Product: Credit reporting or other personal consumer reports

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} has violated my rights. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the 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, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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.