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

To whom it may concern, I was checking my credit report and I noticed an unauthorized and inaccurate account. This account was not authorized neither through verbal nor written consent to be reported on my personal credit report. Furthermore, this account has blatant inaccuracies that is harming my well-being as a consumer. I have never applied nor authorized or knowingly shared my sensitive personal information with XXXX financial institution. I currently have XXXX commercial vehicle for an employee. I have no access to this company vehicle. I am currently seeking a personal vehicle for my transportation needs. XXXX 's negligence is harming my nearly perfect credit score. I am currently trying to obtain the vehicle I desperately need and deserve as a good consumer. I also am incurring several transportation costs with XXXX and hitching rides. This is harming my productivity. I care deeply about my credit. I have spoken with XXXX the consumer reporting agency who states that there was never an authorization nor written consent given. However, my sensitive personal information is being reported on my personal consumer report against my authorization. In accordance to the fair credit reporting act, 15 U.S. Code 1681b which goes over " Permissible purposes of consumer reports '' sub section a ) states : that any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I did not provide written nor verbal consent and demand that this account be removed or that I receive restitution up to {$1000.00} as stated under the FCRA for the serious consumer damage I am going through. This account is affecting my debt to income and preventing me from qualifying for future purchases as a consumer. I do not have a personal vehicle. This account is being inaccurately and reported without permission.
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. XXXX has low and unfair credit number for me in their report. I have complained more than 88 times nonstop this is exhausting im XXXX they are not putting these fraudulent inquiries in dispute and accounts and they still haven't deleted them either I am XXXX The problem has not been resolved. my fico has me at a credit score over 709 XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a Bum. 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 90 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and 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 one negative credit items outstanding debt now that is not mines. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers they don't help you at all This was a first 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 negative account 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 88 times in the last 120 days. 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 im homeless n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help they keep ignoring me after I keep telling them repeatedly they are hurting my character of my name they won't respond and it not even in investigation with and me and my son are bout to be homeless please help I cant live like this
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Wheres my HIPPA release form? I am aware that you have directly violated the regulations of the HIPAA Act of 1996. I never signed a HIPAA form to authorize your company to have access to my medical records or procedures that I went through.

Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. 
You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Checking or savings account

I deposited a settlement check, upon the deposit I understood that verification of funds needed to be done before funds cleared. As of XX/XX/23 funds are not available, I called to verify and found my account to be closed and check still on hold stating to be fictitious. I have been a customer for more than 4 years and feel this is unjust, discriminating, and uncomfortable being the consumer. The same issue happened to my wife and we even contacted the issuing bank and they've provided proof of funds clearing their account as XX/XX/23 the bank has resolved her account as of yesterday and now I'm experiencing the same negative profiling. Truist bank XXXX department and XXXX XXXX the banker who made the deposit are combative and unapologetic
Product: Consumer Loan

I defaulted on an auto loan, the vehicle was repossessed and sold at auction. The remaining balance of the loan was transferred to me and went to collections. Over a period of 2 or 3 months I settled the debt with the collection agency satisfying the remaining balance of the loan. Over a year later, the original finance company has started sending me bills for the settled amount of the loan. I contacted them and they claimed it was an error and not a bill and told me they would discontinue sending me bills. 30 days later, I received a second bill with a late fee attached to it. When I call the company I get transferred from department to department, no one helps me. My average time on the phone including hold time is XXXX minutes. The end result is ultimately being told it is a mistake, yet I continue to get bills in the mail. Prior to the repossession there was a similar experience where they mailed me a last chance offer to call and make arrangements on the loan or it would go to charge off. I called prior to the assigned deadline to see if there were any options to avoid repossession, the told me it was already sent to collections and the letter was a mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting a debt I do not owe. This collection is paid off and I should not owe any balance on this. This should be deleted off of my account, I have already paid it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My current and only address is XXXX XXXX XXXX XXXX, OH XXXX please delete remove any other address they are not mine : XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX XXXX XXXX XXXX XXXX, XXXX , OH XXXX
Product: Checking or savings account

Ive had my account for over XXXX years and someone hacked into my account and they said they were going to fix it but closed my account down and I didnt get a follow up or call back seeing why my account got shut down. And I would notice money missing out of my account!
Product: Debt collection

This company randomly appeared on my credit report and I have no knowledge of them whatsoever, my credit report reflects the fact that all my bills I actually owe are paid on time and current, they do not belong on my credit report and need to be removed as I have zero association with them...
Product: Credit reporting, credit repair services, or other personal consumer reports

I dis not apply for these auto loans I do not have a car or a drivers license to even get this i XXXX XXXX did not apply for these loans these loan an they need to be off my account please ALLY FINANCIAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below have violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX account # XXXX, Opened XXXX XXXX has violated my rights. 

15 US.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 man 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 15 U.S.C. 1681 section 611 ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be INACCURATE or INCOMPLETE or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX. XXXX XXXX  ac # } XXXX { Reason for Dispute } THIS ACCOUNT IS NOT MINE. I HAVE NEVER SIGNED APPLICATION OR OBTAINED Credit. This has been Removed before and now it's been added Again
Product: Credit reporting, credit repair services, or other personal consumer reports

I've looked at my report and don't recognize these injuries. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They have like 15 unauthorized inquiries. 
XXXX XXXX XXXX XXXX XXXX XXXX The ones below are unauthorized. I went to a dealership that was supposed to do in house financing. The share my information without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

I bought a computer at Best Buy and they offered a 1 year access plan to use XXXX XXXX for {$30.00}. They did NOT mention that I had to download the software, or I would not have bought it. 
When I realised I had to download the software, because the versions of XXXX XXXX already on the system did n't work with the key, I attempted to download, but the download failed. 
I notified the card ( Best Buy Visa ) and filed a dispute, advising that I had not been told I 'd have to download the software ( or would not have bought it - everything you download slows your system and I just got a new system because my old one was too slow!! ). 
Best Buy called and left a message offering to help me install. By that point, I did not want to install, just wanted credit for the unused/unusable software. 
Best Buy Visa has informed me via letter, and again when I phoned, that they only " exchange '' the software if it 's damaged. 
That is an invalid claim, as the software is n't the issue. It 's the fact that I was NOT informed I had to download it, and now do n't have the use of, nor the desire for, the software I paid {$30.00} for.
Product: Debt collection

back in 2012, I fought with the previous company to have taken off my credit report. 10 years later after several attempts from several other companies on the same debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/22 to update this suspicious information. I think they have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, XXXX, XXXX, and I'm including it again. 


DEPTEDXXXX XXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$3100.00} ; DEPTEDXXXX  XXXX Balance Owed : {$3000.00} ; DEPTEDXXXX XXXX Balance Owed : {$2900.00} ; DEPTEDXXXX  XXXX Balance Owed : {$5000.00} ; DEPTEDXXXX XXXX Balance Owed : {$7900.00} ; DEPTEDXXXX XXXXXXXX Balance Owed : {$1100.00} ; DEPTEDXXXX XXXX Balance Owed : {$2300.00} ; DEPTEDXXXX  XXXX Balance Owed : {$4000.00}
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 Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Hello, I was notified by XXXX XXXX through XXXX XXXX about an inquire on XX/XX/XXXX. Inquire was from Small Business association, I called the SBA they explained that an individual has opened up a loan in my name for {$17000.00} they explained the steps I needed to do I called them back a few days later they stated that they stopped the approved process and stopped the check. I was told to submit a police complaint, I did hear nothing back from XXXX County as of yet online only. I have submitted online to XXXX XXXX and Experian and they have not removed this inquire either. I also am trying to press charges against the individual and seem to be getting nowhere. I have had fraud happen to me several times in the last 7 years, enough is enough. All these credit companies and business advocates make it impossible to clean anything,. So I will be taking this further and hiring a lawyer. I want all my duplicate inquires removed and especially the SBA inquire removed off my credit. I probably will just submit to State Police since County has not notified me in a month.
Product: Debt collection

Was overcharged and I attempted to dispute my bill. No one would assist that I could understand or return my calls. Services were terminated by the company. Attempted to return phone at the XXXX store and close account and told I was n't allowed to return my phone.. Had to pay full amount. I refused. This happened over 5 years ago. Yet is brand new on my credit report. They are a very shady company.
Product: Credit card

Apple Card issued by Goldman Sachs, False Advertising of their Promotion. Websites : learn.applecard.apple/refer and apple.co/referdailycash.

The referral terms says " And right now, when you apply using the link below and open a new Apple Card, well give you {$75.00} XXXX XXXX when you make your first purchase within 30 days of opening the account. '' I learned Apple Card has a referral program from friends and news, so I used the referral link found on XXXX and XXXX to apply for an Apple Card last week. However I did not receive the {$75.00} dollar credit after my first purchase. Apple and Goldman Sachs insisted that the referral link has to be sent from my friend, otherwise I won't qualify. The terms and conditions did not say a physical friend must refer you via email. Can XXXX artificial intelligence be your friend, can users who posted on XXXX be your friend? Since the link is public and can be found by everyone online, Apple should credit the {$75.00} bonus to any person who used the above links to apply after qualifying transactions.
Product: Credit reporting or other personal consumer reports

This is my several endeavors to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX Balance Owed : {$0.00} XXXX XXXX  XXXX XXXX Owed : {$1800.00} XXXX XXXX Balance Owed : {$2800.00} XXXX  XXXX Balance Owed : {$12000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}
Product: Payday loan, title loan, personal loan, or advance loan

I did not accept a loan offer from NetCredit, but I was interested in obtaining a loan for debt consolidation. I applied online through NetCredit.com and reviewed my offer. I was shocked when I saw the APR. NetCredit is charging 98 % APR for Installment Loans with biweekly payment terms. In Florida, this is not allowed as it exceeds the maximum allowable interest rate. Do not fall victim to this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote to the bureaus on XX/XX/22 and XX/XX/22 about the attached account. This account has been reporting negative activities during the Covid-19 Pandemic in violation of the Heroes Act passed by Congress.
Product: Credit reporting or other personal consumer reports

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 XXXXhese are all fraudulent accounts. Some accounts are not even reporting to all credit bureaus.