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

I sent a letter on XX/XX/XXXX, to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any items not later than 4 business days. Ive already included this in my previous complaint & I am including it again., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXXXXXX XXXX XXXX : XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX Balance XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX 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 XX/XX/XXXX
Product: Debt collection

I disputed with XXXX letting them know that this account was fraudulent and they claim they investigated and verified this debt was mine and this is in accurate and violates my rights this dentity and Ownership of the Account : This account does not belong to me, and I have no connection to this debt. Reporting an account without verifying identity violates 15 USC 1681b ( a ), which restricts the permissible purposes for credit reporting.

2. Account Written Off and Paid : The account was written off and resolved, yet it is still being reported inaccurately as an open collection.

3. Unverifiable and Inaccurate Information : The reporting violates 15 USC 1681e ( b ), which requires consumer reporting agencies to ensure maximum possible accuracy.
Product: Vehicle loan or lease

To whom it may/will concern, I XXXX XXXX XXXX XXXX a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Purchase/obtained at XXXX XXXX XXXX XXXX XXXX, NEW YORK XXXX 

Volkswagen Credit was creditor who I was contracted with as Loan Lender. 

I was residing XXXX VA, my primary address at the time of occurrence. I also have a second home in XXXX NY, where my spouse is a XXXX. 
Please note : ****VW credit also has on file - XXXX XXXX XXXX as a second resident I visited every other weekend. Both to be aware and for emergency purposes ****. 

Back in XX/XX/XXXX my car was repossessed In front of XXXX XXXX XXXX, XXXX NY. For non-payment, which I was aware of because I had lost my job at that time. The first time my car was repossessed I paid VW credit almost XXXX XXXX dollars via XXXX XXXX to get my vehicle back, I knew the car was repossessed because it wasnt parked where I parked it at and I didnt owe any tickets on the car. It was repossessed for late/nonpayments. 

Then in XXXX of XXXX, the car was repossessed again in front of XXXX XXXX XXXX. I called VW Credit on XX/XX/XXXX to inquire about my personal belongings and my husband personal belongings that were inside the car and inside my carrier that was on my roof racks. I also need to take my Virginia plates off the car and return them back to the DMV as well as other personal affects, etc.. 

Called Volkswagen credit on XX/XX/XXXX spoke with XXXX and she advised that the only documents that was sent out to me was back in XXXX of XXXX AT MY VIRGINIA ADDRESS.. XXXX from Volkswagen credit provided me with the phone number of the lot where car was located. 
I called the lot and spoke with XXXX and was advised that my personal belongings were disposed on XX/XX/XXXX. 

I since moved back to the XXXX and mail being froward to XXXX address and still nothing from VW credit PLEASE NOTE AS OF TODAY 'S DATE. I HAVE NOT RECEIVED ANY ANY DOUMENTS FROM VW CREDIT REGARDING ANYTHING. PLEASE ALSO NOTE THAT XXXX STATED THAT THE ONLY LETTER SENT OUT WAS BACK IN XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion hasn't changed my credit score and accounts are incorrect on my credit report. For three months, I have been unable to get my credit scores or report correct. All three credit bureaus have received information from my creditors and they have not changed anything on my credit report. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, SC. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My information might have been impacted by data breach and my have got into the hands of the wrong person. below i do describe the company and date when the inquiries happened. thanks 1. XXXX XXXX XXXX CO inquiry made XX/XX/XXXX. 
XXXX XXXX XXXX XXXX  inquiry made XX/XX/XXXX. 
3. XXXX XXXX  inquiry made XX/XX/XXXX XXXX XXXX XXXX inquiry made XX/XX/XXXX 5. XXXX XXXX XXXXXXXX inquiry made XX/XX/XXXX 6. XXXX XXXX inquiry made XX/XX/XXXX 7. XXXX XXXX inquiry made XX/XX/XXXX 8. XXXX inquiry made XX/XX/XXXX 9.  XXXX inquiry made XX/XX/XXXX 10. XXXX XXXX inquiry made XX/XX/XXXX 11. XXXX XXXX inquiry made XX/XX/XXXX 12. XXXX inquiry made XX/XX/XXXX 13. XXXX XXXX inquiry made XX/XX/XXXX 14. XXXX inquiry made XX/XX/XXXX
Product: Student loan

In XXXX my niece was attending XXXX XXXXXXXX XXXX and she was in need of a student loan and she couldnt get the loan without a co-signer. Her parents were unable to co sign so I agreed to co sign for {$7500.00}. Her school fail to tell us the full consequences of getting a loan from a private loan servicer. Fast forward I am realizing that the loan amount I agreed upon was increased to {$10000.00}, The amount of the loan is way more than I agreed to, I agreed to XXXX but it is now over {$13000.00} because of interest. I never agreed to be a co-signer for more money. For the past 10 years my niece has tried to pay on time but many times she has failed which has caused my credit to take extreme point hits. She has often claimed that her scores are only penalized a few points opposed to mine. Last month my score was hit with a XXXX point hit. In XX/XX/XXXX it was hit with a XXXX point decrease. Sallie Mae claimed to have tried to contact me to inform that the loan was 60 days behind. I was called a day after my credit score took the hit. My niece has been constantly giving bank accounts with insufficient founds. I am a widow, single parent, who is a unemployed because of health issues, I am a XXXX XXXX XXXX and Sallie Mae refuses to consider my unemployment or my student status but yet I am being hurt the most, and my credit is being hit far worse. Only income I have is Survivors benefits for my dependent son. 

I received no phone calls or emails regarding this last past due amount though they claim it their last attempt to reach me. They didnt call me until after my credit was already hit.. 
My niece knows that I have a desire to get my name off as co signer but she refuses to pay on time for XXXX consecutive months, get a job or keep loan current. 

I have ongoing health issues and recently had a XXXX that has prevented me from working. 
I called Sallie Mae on XX/XX/XXXX to and I asked them about a settlement and I was told by the representative they dont do settlements but as I do more and more research Ive learned that settlements are a possibility. I feel that since my niece is back living with her parents that in a few months she could possibly afford a settlement. With my health issues and being unemployed I dont see how I could ever be a position to pay this loan for her, with my credit score keep taken drastic hits I wont be able to get any future loans.
Product: Credit reporting or other personal consumer reports

My concerns arise from discrepancies between the information reported and my knowledge of my own financial history. I consider these queries to be inaccurate and/or incomplete for the following reasons As defined in 15 U.S.C. 1693a ( 2 ) with Credit for review or collection.

I do not recall opening or transacting with the entity associated with this account. Also Possible Fraud Given the lack of recognition and the absence of verifiable information, I suspect this account may be fraudulent. I ask that you investigate this matter and resolve it. I am really upset and annoyed with these issues. If there are no updates on my inquiries, I will proceed with legal action.
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. 
Credit Collection Serv ACC # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  CREDIT COLL ACC # XXXX, has violated my rights 15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 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 accurate
Product: Payday loan

I want the creditor Bryant & Bryant to stop contacting me. They are threatening me on the phone and very rude.
Product: Payday loan, title loan, or personal loan

I obtained this loan to construct a pool at my home. We only had this loan for a couple months before the home was sold and the loan was paid off. The title company who performed the closing contacted Aqua Finance and obtained the ten day payoff. The payoff was mailed, overnight mail within the ten days. When they received the payoff, they stated it was {$160.00} short and began harassing us for the difference. This account was paid off more than 9 years in advance and now they are reporting I was more than 90 days late on my payment. We paid them the additional money even though we did not agree with it and when I contact them and ask them to remove the late payments from my credit report, they are extremely rude and always tell me that I cost them money because I paid the loan off early. I believe that I am being punished both by the additional money I had to pay and the derogatory mark on my credit report because we paid them off early. Before we paid the additional money, I was getting almost constant calls and emails harassing me for the money. They were even calling my childrens ' phones. According to my review search of them, this is a common practice of Aqua Finance. We had no choice but to pay them the additional amount owed to stop the constant harassment.
Product: Credit reporting or other personal consumer reports

I have received a copy of my credit report from Experian that currently still show inaccurate information. I have sent XXXX requests to Experian for an investigation of the alleged public record listed of bankruptcy. I have received an incomplete and unverified information back from Experian states that alleged public record verified per data furnisher. Experian have failed to advise how the alleged public record listed of bankruptcy was verified. I understand that per the law of FCRA under permissible purpose. I have not given any furnisher the right to release such alleged information. I am deeply conflicted with this inaccurate or incomplete information. I request further investigation to the matter and request lawful reply. I demand you to remove this item below : XXXX ) XXXX  XXXX Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bankruptcy Dismissed a. Date : XX/XX/XXXX b. Reference Number : XXXX XXXX Date Filed : XX/XX/XXXX XXXX Latest status date XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My social security number and information was compromised on the dark web and somebodys opening up credit cards in my name. They hacked into my email account and have my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and had two inquiries I did not make or approve and I received two phone calls from XXXX XXXX in XXXX, NC. on XX/XX/2021. The credit reports were from Capital One, XXXX XXXX Bank, XXXX bank of Delaware on XX/XX/2021. Im going to contact the company and report these fruadulent inquries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my Follow-up request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXXXXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance Owed : {$3200.00} XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX SSN : XXXX | DOB : XX/XX/XXXX Equifax XXXXXXXX XXXX XXXXXXXX XXXX, GA XXXX Please be advised this is my SECOND WRITTEN REQUEST. 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 I demand the following accounts be verified or deleted immediately. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 
Thank You, XXXX XXXX XXXX
Product: Credit card

I received a bill in XXXX with charges on my AMEX Macy 's card that were fraudulent. I checked to find that my card had been stolen. I immediately reported the stolen card to the number on the prior Macy 's bills. A new card was issued, and the charges in question were transferred over to my new card. We sent three copies of the first letter to the Department Stores National Bank describing the disputed charges. After a few weeks, we sent a triple set of second letters describing the same dispute, and again received nothing from the company. During that time, we continued to receive bills that showed increasing fees, penalties and late fees. We made XXXX minimum payments in good faith waiting for the company to address the issue. Several more weeks went by and we received nothing from the company. I finally got someone on the phone ( not easy to do ) who made notes on the account and sent us the appropriate papaerwork to file a formal dispute of the charges and instructed me to stop making payments to the company at tht time. We sent the ir form in, listing each charge that was in dispute, in XXXX XXXX, XXXX. To date, there has never been any response from them ; my bills, fees and penalties are mounting, and now I have lost XXXX credit card due to theor reporting of my account in arrears. Now my credit is being damaged because they refuse to acknowledge that I am in dispute of the charges made from a stolen card. I have dropped from " very good '' to " good '' according to my XXXX credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act BARCLAYS BANK DELAWARE has violated my rights. Inquiry : on XXXX XXXX XXXX 2 section A. States I have the right to privacy. 15 U.S.C 1681 Section 602 A Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without written instructions.
Product: Checking or savings account

Us bank started the process of closing my account back in XXXX to this day my account is still in the process of being closed and there is a hold on my account. They say it is because a dispute that I filed that still opened so on XX/XX/2019 I canceled the dispute I was told it would take three days to actually close I called back is still open this was a dispute for {$22.00} I contacted the merchant again on XX/XX/2019 they were able to issue me a refund call the bank back they still have not lifted the hold on my account and I keep asking why and everybody just transfers me to somebody else nobody has given me a direct answer on to why my account is not closed they are holding my funds I have XXXX in my account that I have no access to and the dispute was filed XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told by a customer service agent that I needed a copy of the police report in order to have this account blocked from my report- I 've provided that numerous times and it is still showing on my report. Please block this creditor ; I 've been telling Equifax for nearly three years  now that it does not belong to me!
Product: Debt collection

Collection agency is n't licenced in my state, TN. They didnt reach out to me regarding the debt ( meaning I did n't have a fair chance to contest the validity of the debt ), but is still on my credit report.
Product: Credit card or prepaid card

Monthly payment {$100.00} OpenedXX/XX/2019 ( 11 mos ) 2019 Last payment XX/XX/2019 Current Payment Status 120-149 Days Late Amount past due {$520.00} Worst Payment Status 120-149 Days Late I have contacted the creditor multiple times and tried to explain my financial situation in regaurds the missed and late payments. Time and time again i've gotten no sympathy and negative remarks have been left on my consumer report.
Product: Credit card or prepaid card

I had a XXXX card I paid it off and than I move I request a new card and they send it to unknown addresses I call and now I have a bal and a late fees it took me 3 call before they got my correct address and now XXXX  want me to paid for they error since they send the card to a different address I still do n't know how they charge it so many times and XXXX  expect me to paid
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a credit builder secured loan with XXXX XXXX on XX/XX/XXXX and made my payments on a bi-weekly basis. The full amount of the loan was never provided to be upon the initial agreement with XXXX XXXX but that at the end of the loan I would receive any funds placed into the secured credit builder loan. 

On XX/XX/XXXX, I received an e-mail directly from XXXX XXXX stating that I had 30 days to pay off my credit builder loan with the amount due of {$390.00}. I made my payments in full for the amount of {$390.00} to XXXX XXXX as to end my Business with them. 

I was monitoring all 3 of my credit reporting agencies during this time period where I had paid {$390.00} to satisfy the account with XXXX XXXX and I noticed XXXX XXXX inaccurately reported the account as a charge off when it was never in a charge off status as of the date of the letter that I received. I also satisfied XXXX XXXX 's request to pay the {$390.00} within 30 days and did so online/through XXXX XXXX XXXX mobile app. 

After completion of this, nothing has been done on Experian 's side after I filed a dispute with Experian stating the facts of the inaccuracies. 

This account with XXXX XXXX has been inaccurately reporting as " paid, was a charge off '' when this is not the case per the above statement from email communication I received from XXXX XXXX on XX/XX/XXXX informing me they will be selling my debt to a third party after 30 days if not satisfied by XX/XX/XXXX. 

As a result this has impacted my credit file for several months when the account was paid in full. I also was able to login to my account as of the date of this communication to verify that XXXX XXXX stated the following, " Your loan has been paid off and escrow funds of {$180.00} has been successfully withdrawn. '' XXXX XXXX provided me with a refund after I paid off my loan. All of this including the amounts XXXX XXXX has reported are inaccurate and I request the removal of this account in its entirety for this reason.
Product: Debt collection

Debt has been paid, but is still being reported to creditors.
Product: Money transfer, virtual currency, or money service

I am writing to report unauthorized transactions on my account and request immediate assistance in recovering the money that was lost. On XXXX I noticed several purchases that I did not make or authorize. I have reviewed my account activity and confirmed that these charges were not initiated by me. 

I kindly ask that you investigate this issue promptly and work to resolve it. I am requesting that the money from those transactions be refunded to my account as soon as possible. Additionally, please take any necessary steps to secure my account and prevent further unauthorized activity. 

I look forward to your swift response and resolution of this matter. 

Thank you for your attention to this urgent issue
Product: Credit reporting, credit repair services, or other personal consumer reports

Dispute from XX/XX/2019 still shows as " pending ''.
Product: Debt collection

On my credit report, I have 2 medical bills that were reported to the collections account named " ALLIANCE COLLECTION AG ''. The 1st one was from original creditor " XXXX XXXX XXXX XXXX '' for the amount of {$360.00} ( opened XX/XX/XXXX ) and was sent to collections and reported on XX/XX/XXXX. The 2nd was from original creditor " XXXX XXXX XXXX '' for the amount of {$75.00} ( opened XX/XX/XXXX ), also sent to collections and reported on XX/XX/XXXX. After reviewing my credit report, I IMMEDIATELY took action and called Alliance Collection Agency to make full payment and resolve the collections. We had worked out a deal and agreed that they would remove them once paid, and they have failed to fulfill their side. I paid BOTH of the collection amounts in FULL within 48 hours. It is crucial to have these removed from my credit report because it is prohibiting me from getting funding. As I have fulfilled my part of the deal and fully paid off my accounts, I would like the collections immediately removed from my credit report, as they have failed to do so.
Product: Credit reporting

Equifax sent a letter saying my ID didnt match their records. Yet I sent all the required ID copies! So they did not respond to my requests!