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

XXXX does not have a real credit card. They give you no money and do not run the debit/credit card they give as a credit card. It is not a prepaid credit card. It is a bank account and they give you a credit card that is actually a debit card. XXXX, however out of nowhere even though I had it for over 2 years never reported anything false, suddenly went out of their way and reported that my balance on my account increased as if I spent money on an actual real card and gave me a bad credit utilization score knocking of XXXX points with that one false lie. The truth is my account balance was XXXX because I had no funds in the account during the time they reported that I went over some kind of spending limit -- -which was a lie. If no spending limit exists how can I go over it? Please help me fix what XXXX did. They knocked my good credit score to fair, out of jealousy and they lied to the credit bureau specifically XXXX and Experian. If my balance was XXXX I could not have increased the balance to XXXX which is what they reported intentionally to deprive me of my good credit score. Fix the error you made and reported. They reported false information then the credit bureau reduced my score based on false information.
Product: Credit reporting, credit repair services, or other personal consumer reports

DISPUTE LETTERS WERE SENT TO XXXX FOR {$15000.00}, XXXX XXXX {$110.00}. AND TRANSUNION XXXX XXXX AND XXXX AND TRANSUNION AGAIN XXXX XXXX. XXXX AND XXXX XXXX FAILED TO PROVIDE ME WITH PROOF OF REPORT, CONTRACT OR ACCOUNT. INVESTIGATION TO TRANSUNION XXXX XXXX REMOVED ITEMS FROM MY REPORT HOWEVER FAILED TO SHOW PROOF OF THE REMAINING ITEMS FROM XXXX XXXX OR XXXX WHICH WERE CLAIMED VERIFIED. A SECOND DISPUTE LETTER WAS SUBMITTED XXXX XXXX XXXX AND THE ITEMS WERE YET UNVERIFIED. VIOLATING 18 US CODE 1962-1964 15USC1692c 805 ( a ) ( b ) 15USC1692e 807 ( 9-10 ) 15USC1692K 812 ( a ) ( 1 ) 15USC1692e 807 ( 12 ) 15USC1692K 813 ( a ) ( 1 ) XXXX HAS NOT RESPONDED TO ANY OF MY LETTERS, XXXX XXXX MAY HAVE SENT ME A LETTER SHOWING ME AN ACCOUNT I HAD WITH ANOTHER COMPANY, I AM UNSURE OF HOW XXXX XXXX AND XXXX RECEIVED MY INFORMATION AND WHY THEY ARE USING MY INFORMATION TO EXTORT MONEY FROM ME. I AM UNABLE TO ACCESS MY CREDIT DO TO THESE FRAUDULENT AFFAIRS
Product: Debt collection

I went to the dealership and financed a vehicle. I went online and saw a car for XXXX when i stepped into the dealer they told me the price was XXXX, already marking up the price of the car by XXXX. ( false advertisement. ) Then they told me that I'd only be paying for the price of the car and the interest rate. Which was XXXX X .07 % XXXX. The total amount I agreed to pay was XXXX. And the dealer fee. Not only did they add unknown fees in the deal, they charged me a XXXX finance fee. this fee was not discussed with me. I did not give my consent to pay a finance fee and when i asked them about XXXX they said no. The car was marked up by XXXX and my credit at the time was XXXX and my reports where clean. They also received a XXXX down payment that they did not put towards the deal. I also paid them XXXX and my insurance gave them XXXX. 
They closed the balance out at the assigned amount not even reporting the payments made. Anything else left is debt I did not agree to and that weren't disclosed to me. That debt was supposed to be for the dealer ship. They also called me over XXXX in XXXX. They sent letters, and even threatened to sue and seize my property. This is affecting my credit score in the worst way. I only had the vehicle for a year, and it is now totaled out. They were paid more than 50 % than what the loan was worth.
Product: Checking or savings account

I was charged XXXX dollars for a phone call that was not in office with the dashboard hearing in time to manage the call and lost connection with the bank someone was identity theft of my account. I asked to reschedule the hearing and my account was mandated yo pay {$50.00}.
Product: Money transfer, virtual currency, or money service

I used Square for my business needs with XXXX and they closed my account, after my account was closed my remaining balance was/is being held from me for 90 days starting the XX/XX/XXXX, I need this money horribly to survive. They have shady terms and the fact i could accept money but now they wont let me recieve my payment that i urgenty need put me in a position where i am scared for the next week on how i will pay rent for my family. This is a huge problem ive had with lots of companies dealing with bitcoin transactions, funny thing is these companies just have to let me process my payments and thats my ony wall i keep running into trynig to use these services. Im scared for the future because I made a mistaje using this service. This is unfair and inhumane. I dont deserve this. I cant get any help or even an email from support dealing with this matter i feel so hopeless and sick to my stomach over this. The phone line they have is a useless bot so ive taken action with you guys. Any help is greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letter after letters since XX/XX/2018 to remove bankruptcy 's and any accounts that was included into the bankruptcys from credit profile to experian, XXXX  and XXXX and they refused time and time again, i have sent reports from XXXX XXXX stating no bankruptcy records are on my file, and letter from the clerk of federal court and PACER stating they dont verify to any 3rd parties or to credit bureaus any information on bankruptcy 's. As of today they refused to remove and or speak with me on this matter. According to FCRA 623 ( a ) ( 5 ) if the credit bureau can not VALIDATE or verify the information they must remove information from the consumer credit file. They are suppose to have only 15 days to do this they have had over 6 months to remove and have not.
Product: Debt collection

The aforementioned credit agency representing  XXXX   XXXX   XXXX  has violated the FCRA by not providing me documents to me in regards to this debt an d my HIPAA rights because I do not recall giving permission to even release my medical information to them. This account is unverified and immediately needs to be deleted from all my credit files :   XXXX   XXXX   XXXX   XXXX  . The business is to disclose to me ALL signed documents they have recorded and retained in their files that pertain to this debt. If I.C. Systems does not have any documentation, they need to retract this from my credit file immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account # XXXX has violated my rights 15 use 1681 section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also States a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B : A creditor may not treat a payment on a credit card under a open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

Unauthorized inquiries showed up on my credit report without explanation, and Im really upset about it. I refreshed my browser to see if it was just a mistake, but the inquiries did not disappear. I need this matter addressed right away, and I expect the documents Ive submitted to be reviewed carefully to ensure this never happens again.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX ACCOUNT # XXXX I am writing to formally dispute the validity of the alleged debt referenced above, which you claim I owe. In accordance with 15 U.S. Code 1692 ( g ), I am entitled to request verification of this debt, including a copy of the original creditor 's agreement. Until such time that you provide this documentation, I do not acknowledge the validity of the claimed debt. 
Additionally, if you are asserting that I owe this debt to the original creditor, I request further proof, specifically documentation containing my written signature that explicitly acknowledges my agreement to be financially responsible for this debt. A simple statement or summary is insufficient ; I am requesting actual proof of the signed contract or agreement that binds me to the alleged obligation. 
Without this proof, you are not legally permitted to pursue collections, report negative information to credit bureaus, or continue to contact me regarding this matter. Failure to provide this documentation will be considered a violation of the Fair Debt Collection Practices Act ( FDCPA ), and I reserve the right to pursue all legal remedies available to me. 
In addition, I have noted that you have been reporting negatively on this account to credit reporting agencies, despite not having validated the debt. This not only negatively impacts my creditworthiness but also makes it difficult for me to obtain any form of credit. Your continued negative reporting without validation is damaging and constitutes false and misleading information in violation of 15 U.S. Code 1692 ( e ).

Your constant phone calls and emails, despite my previous requests to cease communication, have caused me significant distress and violate 15 U.S. Code 1692 ( c ). I demand that you cease all forms of communication with me except for providing the requested validation or informing me of legal actions.

Please be advised that I am fully aware of my rights under the FDCPA, and I will take further action, including filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and reporting this behavior to the credit bureaus, should this harassment and negative reporting continue without proper validation.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TRANSUNION, XXXX ( XXXX XXXX XXXX ) for engaging in discriminatory practices and willful noncompliance with my consumer rights as outlined under various federal laws. Unlike XXXX ( consumer reporting agency ), TU has ignored my request as a consumer to exercise my federally protected rights to privacy and confidentiality. Additionally, as a Federally protected consumer, I am once again OPTING-OUT of ANY and ALL authorization, I the consumer MAY have given TU ( verbally, non-verbally, written, non-written, electronically or non-electronically ) until further notice. Specifically, TU has failed to honor my request to Opt Out of reporting the following accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX On XX/XX/year>, I submitted a formal request to Opt Out of reporting the above accounts on my consumer report. In my request, I explicitly stated that I was NOT requesting an investigation ( computer code generated ) but was exercising my right to Opt Out of reporting the above accounts, due to not receiving the required disclosures under 15 USC 6802 ( b ), 16 CFR 313.7 ( a ), and 12 CFR 1016 ( a ) ( 1 ) ( 2 ), or PROVIDING the disclosures as proof of my permission/authorization for TUs LAWFUL right to report the above accounts to my consumer report.

TU 's actions constitute willful noncompliance with the following laws : 15 USC 6802 ( b ) : This section mandates that financial institutions must provide consumers with disclosures about their privacy policies and practices. Despite my requests, TU has failed to provide these disclosures.

16 CFR 313.7 ( a ) and 12 CFR 1016 ( a ) ( 1 ) ( 2 ) : These regulations require that consumers be given the opportunity to opt-out of information sharing. TU has disregarded my opt-out request and continues to report the specified accounts.

15 USC 1681n : This section provides for civil liability for willful noncompliance. TU 's actions demonstrate a willful disregard for my rights under the Fair Credit Reporting Act ( FCRA ). 

I also wish to highlight my federally protected consumer rights to privacy and confidentiality under the FCRA : 15 USC 1681 602 ( a ) : Asserts the need to protect consumer privacy and the confidentiality of information furnished to consumer reporting agencies.

15 USC 1681 604 ( a ) ( 2 ) : Limits the circumstances under which a consumer reporting agency may furnish a consumer report.

15 USC 1681 ( c ) ( a ) ( 5 ) : Outlines conditions under which adverse information may be included in a consumer report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I informed Equifax that the following accounts do not belong to me and are fraudulently reporting to my credit report. 

XXXX XXXX  {$54.00} XXXX XXXX XXXX {$77.00} Equifax never responded and did not remove the above listed accounts. 

I have an existing complaint with Equifax as they keep putting addresses on my report that do not being to me. 

After Equifax posts a new address on my report, there are always fraudulent accounts that pop up on my report. 

These accounts are not on any other credit bureau. XXXX nor XXXX report these fraudulent accounts or addresses. 

The following addresses do not belong to me!!! 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX My only address is : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and this address is listed on my driver 's license. 

I've asked Equifax for these addresses and accounts to be removed XXXX  times! 
These fraudulent accounts are a violation of my consumer rights. Incorrect or fraudulent information reporting to my credit report can be harmful and dangerous to me. 

I have attached all documents needed to verify my identity. 

I XXXX XXXX am not a XXXX party or credit repair company! I am reporting this information on behalf of XXXXXXXX  Equifax will send stall letters to avoid removing this fraudulent information, lying and accusing me of being someone eles. This is a known illegal tactic from Equifax. Again, I am not a XXXX party or a credit repair company!!!
Product: Credit reporting

someone has stolen my identity and opened several accounts in my name as well as federal taxes in XXXX XXXX and XXXX XXXX ec't as well as who knows what el 's i have been incarcerated in XXXX for the better part of XXXX up to XXXX XXXX XXXX XXXX jail XXXX XXXX XXXX Have not given no one permission to use my name whatsoever period I am a Victim of Identity Theft by all parties weather knowingly or not and will provide law enforcement anything to bring those involved to justice
Product: Credit reporting or other personal consumer reports

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX in persons under 22 U.S.C. {$7100.00} ( 11 ) or trafficking under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised the unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts?

You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA CB Indigo/GF # XXXX {$500.00}, XXXX/XXXX  XXXX  # XXXX {$680.00}, XXXX XXXX XXXX # XXXX {$2600.00}, XXXX # XXXX {$280.00}, XXXX XXXX XXXX # XXXX {$460.00}, XXXX and XXXX XXXX # XXXX {$350.00} Inquiries : XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX Sm Bus Admin DA XX/XX/XXXX
Product: Debt collection

This debt was from my husband before he passed in XX/XX/2021 and XXXX is saying I'm responsible for this debt and has sent this debt to a collection agency Revco Solutions Inc. This debt was in XX/XX/2021 and could of collected the debt from him when he was alive, I have not signed anything stating I was responsible for this debt that is not mine or signed anything that I would cover his bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. there is some inaccurate information reporting. 
XXXX Account XXXX : XXXX Please remove it from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several addresses and spelling of names reflected on my consumer report that are not correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX ; XXXX XXXX CT XXXX, OH XXXX ; XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$2400.00} ; XXXX  XXXX Balance : {$390.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX : {$1100.00} ; XXXX XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$100.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX XXXX XXXX Balance : {$1800.00} ; XXXX  XXXX Balance : {$2000.00} ; XXXX XXXX XXXX  Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Bank of America for nearly 14 years and never missed a single payment on the card. Mostly, because it was on auto-pay. I had to close my checking account for fraud and opened a new account with a new financial institution. 

I called BOA 3 times to give them the new account information for the Auto Pay and they never updated it. I also advised them to cancel auto pay but they did not. I made the payments that were required in the local branch ; however the auto payments that they attempted bounced back. 

This caused them to close the card. I attempted to resolve the issue with them last summer but ultimately gave up. Since the card was closed I was no longer getting any notifications or emails or phone calls from them and I was not receiving my statements due to my identity theft. I advised them of this. In XXXX of this year, they reported me late to the credit bureaus but they did not call me or advised me that I was late in making a payment and in fact I had called them several times to attempt to pay over the phone but they STILL did not have my updated checking account information on file, and they wouldn't give an option to pay with a debit card. I spoke to someone in their customer service department and they advised me they would remove the late payment but it is still showing.

This has caused my credit score to drop over 100 points. Please help me!!!!!!
Product: Debt collection

Company first contacted me via phone call on XX/XX/2020, however no message was left. 

Company contacted me for the second time via phone call on XX/XX/2020, and left a voicemail stating, " Hi, this is XXXX XXXX. I have an important message from Sentry Credit Incorporated. This is a call from a debt collector. Please call me toll-free at XXXX. Thank you. '' Voicemail did not indicate whom the call/collection was intended for or indicate the nature/amount of any debt. 

This present contact appears to be a violation of Fair Debt Collection Practices Act, herein FDPCA, since I have not received a written validation notice sent within five days of first contact, XX/XX/2020 ( see FDPCA 809 ). 

In the event the telephone calls are for the purpose of acquiring location information of another individual, the present contact also appears to be a violation of the FDPCA since the alleged debt collector has not identified themself in stating they are merely confirming/correcting location information for a consumer, has attempted to communicate with me more than once without my explicit request or provided a bona fide reason necessitating the second contact, and improperly used language indicating themselves as a debt collector in the debt collection business and the communication relates to the collection of a debt in the communication of acquiring location information of another consumer ( " Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall -- ( 1 ) identify himself, state that he is confirming or correcting location information concerning the consumer, and, only if expressly requested, identify his employer ; ... ( 3 ) not communicate with any such person more than once unless requested to do so by such person or unless the debt collector reasonably believes that the earlier response of such person is erroneous or incomplete and that such person now has correct or complete location information ; ... ( 5 ) not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; '' see FDPCA 804 ( 1 ), ( 3 ) and ( 5 ) ). 

On Sentry Credit 's website ( https : //sentrycredit.com/ ), the toll-free telephone numbers listed do not match the toll-free number recited in the voicemail, nor is there a mailing address published for mail correspondence. This call appears to be either a violation of FDPCA or a scam/phishing attempt from a third party.