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

In accordance to FCRA, this list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX I may presume that no proof of the alleged debt exist. 

DPT EDXXXX account number XXXX opened XXXX DPT EDXXXX account number XXXX Dpt edXXXX account number XXXX Dpt EDXXXX account number XXXX DPT/XXXX account number XXXX DPT/XXXX  account number XXXX DPT/XXXX  account number XXXX 15 USC 1681s-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
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX and TransUnion deleted this account at beginning of the month then added it back to my account before the month ended. Then turned an inaccurate account to an updated account. It's really destroying my credit report. Please have them remove this print immediately. It's already been over 90 days before account got deleted. So, I would love for it to be deleted within the next 3 days minimal. Thank you
Product: Credit reporting or other personal consumer reports

I was recently denied a dispute with Ally Financial. This account is part of a class action lawsuit that I am apart of, and I need this account removed immediately. This account has stopped me from getting a mortgage and other credit extensions. And they were in violation of the U.C.C. Code
Product: Credit reporting or other personal consumer reports

My TransUnion credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. My report reflects inaccurate late payment remarks for XXXX XXXX XXXX XXXX XXXX which must be thoroughly investigated and corrected at once.
Product: Credit reporting or other personal consumer reports

I filed an identity theft dispute on XX/XX/year>. While most of the fraudulent accounts were removed, one account originally listed by XXXX XXXX was removed but has since been reposted on my account by a collection agency, XXXX XXXX XXXX. Given that this account was previously removed by the original creditor during my identity theft dispute, I believe it should be removed again in accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 1681I ) Additionally, I did not authorize any of the inquiries listed on my credit report. None of these inquiries were made by me, and they should be removed as well.
Product: Credit card or prepaid card

XXXX XXXX XXXX on behalf of Kay Jewelers have sent me numerous emails over the past few days congratulating me for opening an account. I have replied to the emails that this is a scam and I never opened a card. I also called their customer service XXXX and they asked me to provide my SSN to be able to look up my account. I told them this is a scam and Im not giving my SSN out over the phone. They looked up my account by name and said they didnt have any accounts in my name.
Product: Checking or savings account

I use XXXX as my Checking Bank On XXXX at XXXX an unauthorized purchase of {$290.00} took place at XXXX XXXX XXXX in XXXX XXXX  XXXX 
I XXXX my card through the XXXX  App at XXXXXXXX XXXX I reported the fraud once the transaction cleared from the pending status and ordered a new XXXX Debit card on XXXX.

On XXXXXXXX XXXX denied the dispute stating that there was a Card present for the transaction.

On XXXX  I called XXXX to appeal the dispute denial. And submitted info from the merchant stating the purchase was a swipe usage for a Diesel fuel purchase.

On XXXX the claim was denied again stating that due to deposits into the account they found the purchase to be valid.

On XXXX I called XXXX again to appeal the dispute, and submitted more info they requested.

On XXXX XXXX Denied the dispute stating XXXX  is designed for payments between people and does not protect against fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4900.00}, {$1100.00}, {$5600.00}, {$150.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- OPEN ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -This is not my account. 

2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1100.00} -This is not my account. 


-- CLOSED ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$5600.00} -This is not my account. 


-- COLLECTION ACCOUNT 4. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$150.00} -This is not my account.
Product: Credit card or prepaid card

Problem with application process. Offered pre qualified. I applied ( XXXX ) XXXX and received an approval notice On XX/XX/XXXX. I spoke to someone in the Bank of America on XX/XX/XXXX. They confirmed my application was approved and that the card was being sent. Later that evening I checked to see if the deposit Req was loaded and received a notice that now my application was denied. Called and minimal to no indication disclosed. This had an overwhelming impact on my credit score. I am terribly concerned with the handling of my information.
Product: Student loan

I was accepted to start on a Modified Payment Plan in XXXX XXXX. Originally paying {$730.00} per month, I agreed to pay {$190.00} per month ( for 6 months ) with XXXX on this new payment plan. I was told by MULTIPLE representatives that they had deleted my bank account information and would not be automatically withdrawing. On XXXX/XXXX/XXXX, they withdrew the {$730.00} from my account. This put me behind for months of bills and I had to pay for some of my monthly bills on my credit card. After paying for my car insurance that month on my credit card, I was charged an additional {$15.00} for using a credit card in which I am still waiting for XXXX to refund. After a month of constant obstacles, I was finally refunded. XXXX XXXX XXXX, I receive a call from a representative saying their system is going to be withdrawing an additional {$110.00} that could n't be adjusted internally within the company -- so they were just giving me a heads up. They said that they would be monitoring my account personally from month to month so that this would not happen again. They told me I had to scan a copy of my bank statements to show that the additional charges were successfully withdrawn from my account and that I had to send an email stating I would not contest charges with my bank. They stated that they would expedite the refund. I sent them the documentations on XXXX XXXX, XXXX and still have not received my refund. I called the supervisor I had been in contact with and asked for her supervisor, left a voicemail for her on XXXX/XXXX/XXXX, was told I would receive a call back within 24-48 hours but never did. XXXX XXXX, XXXX they again withdraw ANOTHER {$110.00} from my bank account without my consent.
Product: Debt collection

Wakefield & Associates contacted me about an ambulance bill from provider XXXX XXXX XXXX ( XXXX ) a few weeks after XXXX provided service to me. The date of service was XX/XX/2017. XXXX ( later ) admitted they never sent an invoice to my residence because my insurance had already arranged to pay, as I expected they would, though I was unaware of that fact at the time. 

I was surprised because every other bill I had from that day was covered by my insurance. Wakefield told me to get paperwork from my insurance and forward it to Wakefield so they could bill my insurance. After waiting hours to speak with my insurance provider ( at Wakefield 's behest ), who told me that they did not issue out that paperwork, Wakefield called me again, and I advised them the provider did not give out that paperwork. They then told me to " speak to somebody else at the insurance company. '' I told Wakefield to speak with the insurance provider, which they refused to do, and the call ended with Wakefield stating that there was no resolution between myself and Wakefield. 

I called XXXX to verify that this bill existed, and to question why it was immediately sent to collections. I was told then that it was already paid by my insurance provider, that the matter was handled, that they would NOT call off the collection agency themselves, that I did NOT need to proactively address anything further with the collection agency, and to merely inform the agency the bill was paid if they called again. 

I do not owe any money to XXXX, who has already collected on that debt, or to Wakefield by any right, and I am not happy with the status of this matter because I believe my credit might be adversely affected.
Product: Debt collection

On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts and inquiries appearing on my credit report Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have identified several items on my credit report that I do not recognize, suggesting that my identity may have been stolen, as I did not authorize these accounts. I have previously reported this issue and now request that these unauthorized accounts be removed from my report immediately. Their presence is causing me significant distress and does not reflect my actual credit history or financial management. If this matter is not resolved promptly, I am prepared to take legal action to protect my rights and seek a resolution. These erroneous entries are severely impacting my ability to achieve crucial financial goals, such as purchasing a home and supporting my family. I appreciate your prompt attention to this matter and hope for a swift resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried reaching out to this bureau several times about accounts that are reporting on my credit that DO NOT belong to me! Information is fraudulent and I want it investigated and removed from my credit report!
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXXXXXX XXXX XXXX ( Account # XXXX ), has violated my rights XXXX XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXXXXXX XXXX XXXXXXXX XXXX Account # XXXX ), has violated my rights XXXX XXXXXXXX XXXX  XXXX Account # XXXX ), has violated my rights XXXX XXXX XXXX  Account # XXXX ), has violated my rights XXXX XXXXXXXX ( Account # XXXX ), has violated my rights US BKPT CT XXXX XXXX, Bankruptcy XXXX XXXX has violated my rights US BKPT CT XXXX XXXXXXXX, Bankruptcy XXXX  XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt or credit management

On today XXXX, XXXX  I received a call from XXXX XXXX from XXXX XXXX XXXX and she informed me to contact XXXX XXXX in the Bankruptcy Preservation Department @ XXXX XXXX XXXX Extension XXXX XXXX XXXX. However when I called she didnt pick up and I was transferred to another Customer Service Representative to whom just took this matter as a joke, didnt bother to care that Ive been approved by a conditional grant offer for {$50000.00} to help with the Mortgage Debt and that Im currently paying close to {$2000.00} a month with the back mortgage payments to the Trustee XXXX XXXX well as over the minimum amount of the {$510.00} for the back mortgage to which is close to about {$20000.00} because I had put down a down payment of {$11000.00} Dollars. However the ignorant customer service representative actually tried to get me to do another bogus mortgage assistance application with Wells Fargo after already knowing the fact that Ive already been approved for a conditional mortgage assistance from the state of Pennsylvania. These are constant XXXX XXXX XXXX XXXX  with my life and property and would like for these games to stop. And if they dont want to cooperate I will most definitely sue them in court and they wont get another dime from me. Because Im completely fed up with these games. And please make note of the attached documents
Product: Credit card

In XX/XX/XXXX Bank of America Visa reissued my card because of localized fraud problem not involving my card. They sent me a notice and then a new card. The old card was good until XX/XX/XXXX. On XX/XX/XXXX we made a payment of {$4000.00} on our balance as we do each month - the minimum payment would have been {$87.00}. That payment was never credited to our account. On XX/XX/XXXX I attempted to use the card and it was rejected. I called them and they said I had made no payment in XX/XX/XXXX. Then next day I checked the transaction we used to make that payment through XXXX Bill Pay. XXXX recorded that they received our request to make the payment on XX/XX/XXXX and recorded a trace number from BofA indicating receipt of the {$4000.00} on the prior Card number. I gave this information to BofA, they said that it would take 10 days to verify but to activate my I could pay them another {$87.00} to activate my card in 24 hours otherwise I needed to wait 10 days to use my card. This is extortion and very bad customer service. I activated my new card on XX/XX/XXXX as best I can remember. I lost the ability to access money and was embarrassed because my card was restricted for no reason. I lost the ability to use the card for 10 days while they researched the issue or had to pay {$87.00} to activate the card. They should have researched and changed this immediately and reversed all service charges. I 'm still waiting on the result of their research. Info from XXXX bill pay system : Biller ID XXXX, Payee name : Bank of America, Payee account number : XXXX, Payment amount : {$4000.00}, File transmission date : 1XX/XX/XXXX XXXX EST, Payment effective date XX/XX/XXXX, Trace number XXXX
Product: Credit reporting or other personal consumer reports

Accounts are over 9 years old and accounts that been paid. And some accounts showing late. Payments that are closed or old. And accounts that have the same account like duplicates.
Product: Credit reporting or other personal consumer reports

In XXXX of 2024 I contacted Prestige to voluntarily surrender vehicle after noticing that making payments on time for XXXX full year, my balance was not decreasing at all. This was very disturbing. I contacted them for an explanation and was informed that all payments goes towards interest first before anything is applied to principle. I then began to research this company on the XXXX  and discovered that several others have made complaints against this company for fraud/misinformation. There has been several lawsuits against this company as well. After XX/XX/year>, Prestige consistently harassed me to continue making my monthly payments, although they had come to pick up the vehicle. I informed them that I would not be making any additional payments on a vehicle that I no longer have, until the vehicle was sold at auction for fair market price. I contacted Prestige over the next few months to see when vehicle would be sold at auction, and was informed that the vehicle was not set to sell until XX/XX/year>, with no explanation as to why so long, considering the vehicle was returned in good condition. In XXXX, I reached out to them again to check the status and was advised that the vehicle had sold for {$6000.00} but they only gave me credit for {$5000.00} due to other unexplained/unknown fees. Prestige sent me a Deficiency notice with my outstanding balance owed that does not seem accurate/legit at all. I asked them to send me written documentation/proof regarding bill of sale from auction to see what the vehicle actually sold for. I was advised that they could not send me this information. I reached out to my attorney to advise of this statement from prestige. My attorney then reached out to them by mail requesting that they send all documentation and paperwork from sale of vehicle and complete financial accounting of this account to ensure correct amount is applied to my account. They have yet to provide the requested documentation. There is no reason I should still owe over {$17000.00} for a vehicle that i voluntarily surrendered after paying over {$6500.00} within having the vehicle for 1 year, them allegedly selling the vehicle for {$6000.00}, when the original financed amount was only {$20000.00}. Also according to my contract that is included, i paid {$1000.00} for gap insurance, but according to the deficiency letter received from Prestige, it states {$0.00} for gap insurance. There are several questionable inaccuracies on this deficiency letter as well as the account statement that was sent to me. I have also tried logging into my account to get my past payment history but am receiving a forbidden error message when doing so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have CLOSED accounts at XXXX XXXX XXXXXXXX which are disputed and affected by a natural or declared natural disaster. The FCRA and Metro 2 protocols require reporting my CLOSED accounts as ( 1 ) disputed and ( 2 ) affected by natural or declared disaster. However, my XXXX, Equifax and XXXX credit reports fail to accurately reflect that my accounts are disputed AND affected by a natural or declared disaster. Therefore, my credit reports are inaccurate and not complete for failure to contain the mandatory information. Either delete all my XXXX XXXX  XXXX accounts or include the statutory reference that my accounts are both disputed by consumer AND affected by a natural or declared disaster.
Product: Student loan

i am a new widow and nearly XXXX before my husband died he instructed me to cosign on my nieces student loan which evidently is a private loan. she got into financial trouble and began to be late or did not pay at all. i finally told her since i was cosigned that i needed to protect myself and so she needed to give me the payment and then i would make the real payment to insure it got in on time. at that time the agreed note between her and teh company was XXXX per month. i was making these payments each month but then began t worry about possibly forgetting myself so XXXX months ago i called the company and told them to automatically charge my credit card each month for the XXXX the agent made me listen that recording that stipulated i understood the XXXX would be charged each mnth..i said yes. on XXXX XXXX i got a call telling me the note was going up because i had a better credit rating and money in the bank ... the new agent said XXXX or i woiuld be reported to the credit bureau. i tried to explain the money in my account was funds from my husbands life insurance policy and that i needed it to live on for the rest of my life and support our XXXX XXXX son and the other account was a trust fund for when i died to make sure my son would make it..my only income is XXXX in social security ... but he would not consider this and did not note it. today i tried again. and the lady again said you have money you pay..i tried to help her understand i was not assuming the loan that i was just charging on my card what my niece gave me so whatever arrangement they had should still be in affect ... then she said i was supposed to have been paying the XXXX for the last four months but i had no idea as the last i heard was the taped statement agreeing to the XXXX on my credit card automatically. then they wanted XXXX more dollars to pay the late charge for something i knew nothing about and they had not told me. she told me pay it and they might reconsider lowering the note back to the XXXX next month. they refuse to do anything in writing saying they no longer do that. i was dumbfounded that XXXX years ago this was a XXXX loan and now after XXXX years is a XXXX loan. with interest daily and is variable interest. i tried to explain i as the cosigner was not assuming the note ... just making sure nothing hurt my credit rating. i was also told that if the note was paid on time for a year i could be taken off as the cosigner..now they say it has to be a year but paid only by the primary. i just want the note to reflect the prior agreement they had with my niece and i want the lender to honor the on time payment and eventually at the end of a year release me as the cosigner. i want the lender to not play both sides of the field by using my life insurance procedes and trust fund monies as the basis to raise a note but refuse to lower the interest ... ... ..they are preying on a widow and senior citizen