23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I have been trying to get a break for the deferment from GM regarding my loan. I have asked to pay with out any documentation which the collection agents in XXXX say they dont need to send. The reason why is I am questioning the amount that they are charging for a two month deferment. Another issue is that on my last complaint. I am was tired of paying fees to pay my car note. There response was a basic cut and paste, pay by ACH which has been disabled due to an bank hacking issue earlier in the year. I have been making the payments with my debit card and getting no where getting the restriction lifted on my account. I have provided GM with information regarding the issue and still no resolve, they just want the fees charged.
Product: Debt collection

I have receive multiple calls per day from this phone number as an auto dialer. On most occasions where I did not answer a pre-recorded message was left as voicemail. On most occasions that I have attempted to answer I get several seconds of silence and then I'm hung up on. 
On the occasions that I do get an operator on the line, I have discussed payment arrangements with them and asked that in the future they did not have permission to use an auto dialer to contact me. None of these have resulted in the calls stopping. Each time I have to ask them to check their notes and that I have attempted to make arrangements for payment.
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. 


Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XXXX Account Name XXXX 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 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

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 : 1300, 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 collection

Hi, I am raising this complaint with VERY LESS CONFIDENT whether the problem will resolved or not. Because i have tried to resolve this problem with all possible way. I do not have any more energy to go further actions ( e.g. lawsuit ) even if this issue is not resolved. I am thinking you are the final spot. or otherwise I will LIVE up with this problem forever. 

I am completely fed up, frustrated and stressed due to this. I came here only because i am abused and harassed by two parties.One is  apartment management and another is Debt collection agency. Both of this parties are responsible my credit report damage. 

I have stayed in the XXXX XXXX XXXX from XX/XX/2018 to XX/XX/2018. i owed the bill amount {$320.00}, When i moved out from the apartment. They didn't properly informed me by sending bill to mail/email address about this amount even though i have provided all the information ( email and mail addresses ). The send this bill to debt collection agency ( XXXX XXXX XXXX ) even before informed me. 

I realized i have this debt only after i inquired to apartment leasing about my deposit amount. This is first stage i fed up. 

After that i have given the check to leasing office with the payment amount of {$320.00} on XX/XX/2018. I thought everything is OVER NOW. But i got a call from " XXXX XXXX  XXXX '' on XX/XX/2018. They were asked me about the payment amount due {$320.00}. I told them, i have already paid the due on XX/XX/2018. But they said they have not received any communication from apartments. They asked the proof for payment and i sent an email to them with check image. Also i called apartments office and asked them to inform this paid debt to collection agency. They said they will inform to " XXXX XXXX XXXX ''. Now i realized everything is done. But it is NOT. 

The I Q Data Internal Inc ( " XXXX XXXX XXXX '' ) collection agency reported the amount {$320.00} to credit report agency as bad debt on XX/XX/2018. This is really SHOCKED for me which i have cleared the due amount on XX/XX/2018 itself and also informed payment to both parties ( Debt collection Agency and Apartment management ) on XX/XX/2018. 

I disputed the report to credit report agency. Now i started fighting again with I Q Data Internal Inc debt collections agency with all around the way i described above. I asked them to REMOVE the bad debt from my credit which i actually paid 2 months before on XX/XX/2018. 

But the final result i got today ( XX/XX/2018 ) from I Q Data Internal Inc is they will inform this bad debt as PAID/CLOSED status to credit report agency. I asked them REMOVE the report. They said they will not REMOVE the bad debt from my credit report and it is not their responsibility. 

My Question is, do i have to LIVE up with this bad credit report for 7 years? Which i have not really owed amount to anyone. I will provide more information on this if required. I have attached necessary documents here for your verification. 

I am severely fed up and stressed with this problem. 

Thanks
Product: Credit reporting or other personal consumer reports

Recently we reviewed our credit reports, and have noticed that there is an account that is still currently being reported on my credit report. 
XXXX XXXX XXXX Acct : XXXX : This is a joint account with my son XXXX XXXX XXXX XXXX This account is listed on our credit reports unlawfully. On XX/XX/2022 we petitioned XXXX XXXX XXXX Apartments in court. This account went through litigations. The judge dismissed this account. Please remove this account from our credit reports. 
I have enclosed the following documents from XXXX XXXX XXXX XXXX stating the results of the petition. I have made numerous disputes about this account, and it has not been resolved.
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 on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

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

SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7300.00}, SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : XXXX, SANTANDER XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Checking or savings account

I am writing to once again formally complain about Citibanks failure to comply with a court order that mandates my inclusion on all accounts held by the client, as well as access to retirement accounts and the safety deposit box. Despite providing the required paperwork and a clear directive from the court, Citibank has ignored this order for XXXX months. Additionally, the bank has failed to remove a specific peer of attorney from the accounts, as the judge explicitly directed. When I filed a consumer complaint, it was closed without verifying Citibanks claims or confirming the courts instructions with me. Citibanks response incorrectly stated that they could not make the current account a guardianship, which was never requested nor ordered. Instead, they were to simply add me to the existing accounts. This level of negligence and disregard for a court order is both unacceptable and harmful, and I request immediate intervention to ensure compliance with the courts directives. 

See pages XXXX, XXXX, XXXX, XXXX, XXXX of order. 

Without being put on the account, I can not access confidential financial records ( page XXXX ) to provide evidence to file charges against previous power of attorney with the district attorney as mandated within the paperwork. ( page XXXX ) Additionally, Citibank is forcing the client to close her current account and safety deposit box on XX/XX/XXXX which she does not want and is in direct opposition of page XXXX part ( i ). Forcing an XXXX  person to close their bank account is not only unnecessary but also deeply unfair. It disrupts their sense of independence and control over their finances, which are essential for their dignity and self-confidence. Making someone go through such a process at an advanced age adds unnecessary stress and can feel like stripping them of their autonomy. This approach fails to respect their rights and undermines their ability to manage their own financial affairs. She has been a client at Citibank XXXX XXXX for 50 years. 

NOTE : the long form order is XXXX pages and it will not upload with the complaint. I am providing the court order to you in single page uploads.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was given a eviction notice 3 days to pay rent or vacate property within the 3 days i moved out my outstanding rent for the prior month had been paid 5 months later I'm in the credit bureau owing XXXX there is no verification of me owing that money or any acknowledgement of me agreeing to it I asked that XXXX XXXX along with experian delete but to no avail.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd letter that I am a victim of identity theft and I write to dispute certain account in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

This account is unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the account I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

WFDS XXXX Date Opened : XX/XX/2012 Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXXXXXX, Number : account:XXXX XXXX, Number : XXXX XXXX XXXX XXXXXXXX, Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have paid down all my credit cards on XX/XX/XXXX and my credit card companies have sent an update to Transunion, XXXX, and XXXX   but they have still not posted the update to their reports - I have called each one and have asked them to update but they make me go through the process of doing a dispute rather than just publishing the new information. I need them to update it as I have to raise my score as much as possible to get a mortgage. I have even had the credit companies send letter to them - attached are copies of the letters
Product: Checking or savings account

I was contacted by, what I believed to be XXXX XXXX, " the Company, '' regarding a potential 'work at home ' position. I applied, went through the " hiring '' process and was " hired '' by a supposed representative of the " Company. '' ( Exhibit A ) I received and signed a Non-Disclosure Agreement and Appointment letter on XX/XX/2020 ( Exhibit B ). 

The Company sent me a check for {$2800.00} ( Exhibit C ) to purchase home office equipment of their specifications. I was told to deposit the check, then purchase XXXX gift cards to make the office equipment purchases through XXXX because of " their supposed discount agreement with eBay. I deposited the check into my US Bank ( the " Bank '' ) account on XX/XX/2020 and US Bank made the funds available to me on XX/XX/2020 ( Exhibit D ). I purchased the XXXX cards on XX/XX/2020 and sent the Company the pertinent numbers from the back of the cards. 

Later on the day of XX/XX/2020 after purchasing the cards, the Bank reversed the {$2800.00} deposit, took the {$1400.00} I had in the Bank before the purchase and this took my account to a negative balance of the entire amount including the amount already in my account. 
On XX/XX/2020, I had an appointment with a Bank Branch Manager to, at their suggestion, submit a claim with the Bank ( Exhibit E ) alerting the Bank of the potential fraud, hoping the Bank would agree to work with me and accept some responsibility for allowing these funds to be placed in my account and making these funds immediately available to me. The Bank did not. Instead, the Bank has requested in its written correspondence to me ( albeit untimely after the funds were made available ) that I am responsible for returning ALL of the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now XXXX XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now.with no help.
Product: Debt collection

I've been contacting Bridgecrest and the credit reporting agencies for over a year now trying to get correct documentation to verify this debt, and even offered to pay them. I have not received any responses back over the past year. I gave them time considering the pandemic, but they have yet to respond. I'm attaching all of the letters including the certified mail return receipt notices from USPS. For proof I've also attached a copy of the XXXX XXXX XXXXXXXX So, since I have not received a response, the company and the credit reporting agency have violated my consumer rights and I would like to have this account removed from credit report with no balance owed, seeing as though I also offered to pay them. They also never put the account in dispute status none of the times that I've disputed the account, and that is a violation of my consumer rights as well.
Product: Debt collection

XX/XX/2024 I ordered a XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Received the phone on the XXXX. Unfortunately had to send it back a day later, because the phone didnt work in my area where I was living only at work. XXXX sent me a email on XX/XX/2024 saying that they have received the device back & I was told that the account would be closed. I look on my credit report today XX/XX/XXXX there is a collections debt of {$140.00} from XXXX. The account was opened XX/XX/XXXX when I already had my XXXX account closed XX/XX/XXXX. Five days after getting the phone. This collection has dropped my credit score XXXX points. I was never notified or called from the creditor, it just was on my credit report when I went to my XXXX XXXX & show it there I would like to get it removed because this shouldnt have been on my report at all 3 month later saying I owe {$140.00} with no reasoning.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX I want this account removed from all three credit reports for each of the following reasons. 
Reference account XXXX XXXX XXXX, account number XXXX Delete for inaccuracy because the payment history reflects the continuation of Voluntary Surrender Reports after the vehicle was repossessed in XX/XX/XXXX. 
Delete this account for violation because notice of dispute was not entered as required within 30 days from the date my first dispute was received, pursuant to section XXXX of the FCRA Delete due to inaccuracy and lack of information, such as closing date and last activity date. 
Additionally, the date updated of XX/XX/XXXX shows us that this account has never been investigated despite my claims I, XXXX XXXX, have included copies of my recent investigation report as well as copies of the credit report where the advertised account is located and the lack of interest or negligence on the part of XXXX XXXX XXXX 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

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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

I would like to request the suppression of this item from my credit report, which is the result of a fraudulent item origination and identity theft. This fraudulent item should be DELETED from appearing on my credit report. I am trying to obtain credit and it is causing me too much emotional and financial distress because of this item that does not belong to me which is reported erroneously. I am in desperate need of this item to be INSPECTED and REMOVE. XXXX XXXX and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is showing and Inquiry on my credit profile and I didnt apply for any card. Barclay on  XX/XX/XXXX and XX/XX/XXXX and XXXX on XX/XX/XXXX my phone may have been hacked or my PC. Im honestly not sure at this point.