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

Closed three accounts with Bank of America on XXXX XX/XX/XXXX due to poor service and deceptive practice for overdraft protection which was charged to an XXXX XXXX XXXX credit card and then billed fees for cash advance. 

Called and closed checking, savings and Credit card. Bank told me to wait ten days for clearance of any or all charges. Sent me a refund check for savings and checking balances on XXXX XX/XX/XXXX. 

The reason I closed account was for overdraft charges to credit card and fees on XXXX XXXX and XXXX XX/XX/XXXX. The total was around {$260.00}. They never subtracted those fees, closed my accounts and on XXXX XX/XX/XXXX received an alert of delinquent account. 

Spoke with several Departments at BOA and each kept bouncing nme back and forth saying they can not help other department needs to help. Just paid so they would keep from ruining my 780+ credit score. Final call was escuse fronm Checking saying they can not see credit account and that is why they did not clear my charges before refunding my money. Spent at least 6 hours trying to get this straingt and still don't understand why BOA accounts don't interact with each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance in the Fair clean report act. The List or accounts below has violated my federally protected consumer privacy and confidentiality under. 

XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX : # XXXX, XXXX XXXX XXXX : # XXXX, has violated my rights. 

Of the following : 15 U.S.C 1681 section 602 ( A ) ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S.C 1681 Section 604 ( A ) ( 2 ) : In accordance with the written instructions of the consumer to whom it relates.

15 U.S.C 1692C ( a ) COMMUNICATION WITH THE CONSUMER GENERALLY : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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 or other personal consumer reports

Experian is reporting that there are XXXX accounts that are both XXXX and 60 days late. They are also reporting that the last late payment was 1 year and 3 months ago. Both of these remarks are false. Payment history on my report shows XXXX XXXX for all open accounts and XXXX XXXX for all closed account ( which are a part of Bankruptcy filed XXXX XXXX ). I have disputed these remarks with Experian and they have done nothing. XXXX response has been that accounts will remain unchanged.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are AN 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. 

Experian has inquiries that are double inquiries such as XXXX  XXXX XXXX XXXX and XXXX  XXXX. There are also inquiries from companies XXXX XXXX did not notify me of checking my credit with such as XXXX XXXX XXXX, XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX 

XXXX has inquiries that I do not recognize and that the inquiries where scheduled to discontinue reporting in the years XXXX, XXXX and XXXX. These inquiries are XXXX XXXX, XXXX XXXX XXXX, XXXX ( 2 times ), XXXX XXXX, XXXX XXXX, XXXX XXXX 

I have called each company to have these inquiries removed and they denied me and the request to have inaccurate or expired information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past month, I have been trying to get a total of 18 hard inquiries removed from my credit report that i did not authorized. The inquiries and unauthorized dates are listed below : An toy scion mall of ga # XXXX ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( Tuesday, XX/XX/XXXX ), XXXX XXXX ( Friday XX/XX/XXXX XXXX ), XXXX XXXX ( Sunday, XX/XX/XXXX ) XXXX XXXX-indirect ( Monday, XXXX XXXX ) XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX ( Monday, XXXX XXXX ) XXXX XXXX ( Monday, XX/XX/XXXX ), XXXX XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX ( Monday, XXXX XXXX ), XXXX XXXX XXXX XXXX ( Friday, XXXX XXXX ), XXXX-Auto Finance ( Wednesday, XXXX XXXX ) XXXX XXXX XXXX ( wednesday, XXXX XXXX ), XXXX XXXX ( wednesday, XXXX XXXX ) XXXX  XXXX ( wednesday, XXXX XXXX ) XXXX XXXX XXXX XXXX ( monday, XX/XX/XXXX ). I sent dispute letters to Equifax to verify these inquiries and the information comes back verified. I called and they prompted me to call Each creditor to retrieve a '' Letter of Deletion ''. When i called the creditor to request a letter of deletion, Each creditor informed me that there is no record of a '' XXXX XXXX '' in their system. So, I sent Equifax another letter to verify their method of verification and requested specific details to ensure verification and Equifax failed to do so ; these inquiries again came back as verified. I called the bureaus again to seek further assistance in these inquiry deletions and no one seems to help resolve this matter. As a consumer, I feel my rights have been compromised and violated. I have done all that was requested of me and feel devalued as a consumer and customer of Equifax. At the time of these inquiries, I was and still is in college and was not seeking credit of any sort. Please remove these inquiries as requested. They were not authorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

Destiny continues to report incorrect and inconsistent information to the credit bureau. I have disputed the account a few times and each time they come back with a different credit history : They information is consistent and all three credit bureau show different payment history
Product: Money transfer, virtual currency, or money service

So my Paypal account got limited last year for no reason .It has {$750.00} in it. Paypal then emailed me saying that in XXXX days I will able to withdraw my money out of my account. It has been XXXX XXXX since that email! I've tried calling customer support many times and they keep telling me the same thing.
Product: Credit reporting, credit repair services, or other personal consumer reports

Company decided to sue me in Georgia for a fraudulent account I counter sued Portfolio Recovery Associates llc and on XXXX 2023 Portfolio Recovery Associates case was dismissed with prejudice, my counter claim however was not and i won. Afterwards portfolio recovery decided to falsify my signature and claim I came to an agreement with them. Attached is email transcripts of their hired attorney to fraudulent have me sign a contract that was null and void due to already dismissed case. I successfully sued and won for {$500000.00}. Please see attached.
Product: Bank account or service

Over several years of service, Wells Fargo routinely added service fees to the " youth accounts '' of my children, even though these types of accounts are supposed to be free of charge while the youth account holder is under the age of XXXX, according to Wells Fargo advertisements and service agreements. On several occasions, I went to the back to have them reverse the charges. After a period of time, service charges were added to the youth account again and when the charges depleted the account, it was closed by the bank. When I called the service line for restitution, they put me on hold for 30 minutes and told me I needed to deal with the branch office. The branch office then told me I needed to call the service line. Since the account was removed from my online banking profile I can not access the information. I understand now from the news of Wells Fargo banking practices that this was part of a scheme and not an accident on the part of the banking software as they have tried to tell me.
Product: Credit reporting or other personal consumer reports

on XX/XX/XXXXXXXX  I closed the loan/ and paid it off based on the Closing letter from Upgrade.. 
XX/XX/XXXXXXXX  I contacted Upgrade asking why a {$62.00} fee had been assessed. They stated it would be removed. However my credit report from XXXX has not. 
XX/XX/XXXXXXXX  it shows XXXX reported a balance of {$62.00} owed and the account as open.
Product: Credit reporting or other personal consumer reports

JPMCB CARD XXXX : Once written off as a profit and loss write off/charge off I was not provided with a 1099c form. Instead they are still reporting on my credit report that I owe the balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion 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 719transunion has me at a score around 590. That is a huge difference. transunion 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 XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX 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 Transunion. 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 XXXX ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion 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 XXXX now XXXX XXXX  XXXX cant provide to my XXXXXXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.
Product: Debt collection

Ally Financial is reporting inaccurate information on my credit report for all three credit bureaus XXXX, XXXX  and XXXX. The company is reporting different dates and account information and balance to all three credit bureaus. I have been trying to get them to help me with this situation since XX/XX/2020 no one has gotten back to me and all they keep putting on letters they send is " information updated or valid. '' Every time I ask them for paper work they never respond. This is unprofessional and unacceptable. I also submitted a complaint with them 3 times already and they keep saying my name XXXX XXXX is not an authorized user to ask for info which makes 0 sense because why are they reporting this now fraudualant account on my credit report? Three things are wrong here ... this car was my fathers who passed away, 2. this car I know my father had with GAP insurance so there is no way he still owed the money and 3. They are reporting inaccurate information for years. Ive given you guys ample time prior to filing this complaint. Im sure you can imagine what Im going through since the loss of my father. I am trying to move forward but can not due to this negative factor. This goes totally against the FCRA laws this is a violation. Attached you can see all the inaccuracies from my identity XXXX subscription I get monthly prooving the difference. Update at once, Ive also reached out to a fcra lawyer since you guys have leaved me pretty much no choice. 

They are also reporting a past due amount on this closed account which is illegal and goes against FCRA. I have attached a screenshot of my report to prove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX the natural person here to attest to this terroristic organization that has violated my comsumer rights willfully.Pursuant to 15 USC 1681c-2 ( a ) BlockExcept as otherwise provided in this section, a consumer reporting agency shall block the reporting of 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 by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

( b ) NotificationA consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section ; and ( 4 ) of the effective dates of the block.

TransUnion has been given its due process of 4 days to remove these fraudulent accounts and have not done so!! Law is Law there is no substitute for it.TransUnion needs to remove these accounts IMMEDIATELY as they are tarnishing my name as a consumer.
Product: Credit card or prepaid card

Chase closed my XXXX card due to no use. Then a month later ( XX/XX/2018 ) they did a hard inquiry and issued another account. 

I asked for the application since I did not apply. They are saying I need to file a police report and jump through a bunch of hoops to get the information they claim they received. 

They did close the account, but they did not remove the hard inquiry from my account. 

I did nothing wrong, why is it so hard to get a copy of what they claim they received. It is on my credit report and I need it removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Intent to CREDIT MANAGEMENT LP, While viewing my consumer report, I notice you furnished a collection account to my consumer report. However, during the process of you obtaining or purchasing this account from XXXX XXXX the original creditor, my NON-PUBLIC PERSONAL INFORMATION WAS OBTAINED UNETHICALLY AND FURNISHED TO THE CONSUMER REPORTING AGENCIES WITHOUT MY CONSENT. During this process, I was an uninformed consumer and FDCPA, and FCRA laws were violated. The fact the privacy has been violated and this account being furnished is affecting my livelihood and reputation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the collection account XXXX XXXX XXXX XXXX is not mine.. This is not my responsibility and credit bureaus failed to verify it..This error has affected my credit score tremendously
Product: Credit reporting, credit repair services, or other personal consumer reports

Previous complaint submitted on case # XXXX XXXX and previous complaint submitted on case XXXX XXXXno investigation was ever conducted. the matter was closed premature and without consideration to the violations of my rights to have my credit information to be reporting accurately. 

The complaint previously submitted with concerns of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Was never investigated, and remains negligently reporting inaccurately on my credit profile. 
1. I have summited evidence XXXX was reporting inaccurate by a payment history statement from their system. 
2. I have never borrowed any money from XXXX XXXX, XXXX is not even a lender. My promissory not clearly states the lender I borrowed from was ( XXXX XXXXXXXX XXXX ) If an investigation was conducted, XXXX and XXXX they would have notice that loan was paid in full two month early from my contract expiration date. 

I opened the Loan with XXXX XXXXXXXX XXXX not XXXX on XX/XX/2022 which makes it impossible for me to have accrued a late payment in XXXXXXXX XXXX therefore XXXX just changed the inaccuracy from XXXX to alleging XXXX. 

I submitted proof that XXXX XXXXXXXX XXXX  contract is legally voided due to their willful violations of the Military Lending Act. I submitted proof the XXXXXXXX XXXX XXXX themselves voided the contract and changed the terms due to their violations of federal Law.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX  accountant # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. 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 accountant with out my written instructions
Product: Debt collection

I recently discovered 2 accounts reported on my credit report from a creditor XXXX that I have no Knowledge of. One opened XX/XX/XXXX for the amount of XXXX Another opened on XX/XX/XXXX XXXX Ive never had accounts with this company and Have tried to reach out several times to have this information removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Notice to Cease and Desist To Whom it May Concern ; This is in reference to the Consumer Report sent by RECEIVABLE MANAGEMENT. While checking my credit report, it came to my notice that RECEIVABLE MANAGEMENT has furnished an account XXXX on my report. 

According to 15 USC 1692a ( 2 ), the term Communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. 

As per the literal interpretation Any medium includes any oral, written, electronic, or other medium. Therefore, furnishing of the Consumer Report ( bearing information regarding the alleged debt ) by RECEIVABLE MANAGEMENT will amount to Communication as per Fair Debt Collection Practices Act ( FDCPA ). 

Pursuant to my rights as per 15 USC 1692c ( c ), I am hereby providing you formal notice to cease any further communications regarding this account XXXX immediately. This includes but is not limited to telephone calls, emails, social media, or any Consumer Reporting Agency. 

Any further contact by your Agent or RECEIVABLE MANAGEMENT, except a communication, confirming your acknowledgment of this letter, is in violation of the Fair Debt Collection Practices Act ( FDCPA ). 

If you do not cease communication a lawsuit will be commenced against you. 

Thank you for your cooperation
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE DISPUTED THESE ACCOUNTS WITH TRANSUNION 3 TIMES TO HEAR NOTHING BUT YET.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. XXXX XXXX {$1100.00} XXXX XXXX {$73000.00} XXXX XXXX {$200.00} XXXX   XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX I have the right to privacy. 
XXXX XXXX XXXX Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 
XXXX XXXX XXXX : A creditor may n treat a payment on a credit card/XXXX account under an open end XXXX consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've asked Experian and XXXX to VERIFY and VALIDATE the information reported on the Bankruptcy on my report for a year now. WHEN and IF they respond to my request they are keep sending me the same respond " We VERIFIED the account as ACCURATE with the reporting AGENCY XXXX or 3rd PARTY company. 

I also received a letter from XXXX saying we verified the XXXX as ACCURATE and if you need more details CONTACT the COURT. 

I contacted the COURT and they sent me a letter that they DO NOT REPORT or SEND any INFORMATION about the PUBLIC RECORD to ANY BUREAU!! so WHERE and HOW did XXXX and the other bureaus VERIFIED and VALIDATED the information if there is NO REPORTING to any of them or any of then have a way to get the information??? 

IT IS A COMPLETE VIOLATION of reporting according to the FCRA!
Product: Credit reporting or other personal consumer reports

XXXX There were inquiries that I didnt authorize on my credit report all inquiries thats on XXXX equifax XXXX there are unauthorized use some XXXX have been using my information I have not applied to any of these companys
Product: Debt collection

During Covid business closed and I got behind on payments and surrendered truck back to finance company they sold the truck in auction and got the money. But they are still saying I owe XXXX XXXX  thats not true when the government allowed you to give back a vehicle under the Covid laws
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up request to my prior complaint 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, GA XXXX Date Updated : XX/XX/XXXX XXXX  XXXX XXXX, GA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$700.00} XXXX XXXX XXXX XXXX Balance Owed : {$420.00} XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX  XXXX Balance Owed : $ {$1400.00} XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX