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

In accordance with the Fair Credit Report Act XXXX ACCT # XXXX has violated my rights. 

15 USC 1681 Section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A section 2 states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 USC, the company below has used my credit report illegally for collection which is not my account and damaged my credit score. This account appeared on XXXX credit report as of XX/XX/22 in the amount of XXXX AFNI INC. account # XXXX
Product: Vehicle loan or lease

I have no knowledge about this loan so it is terribly affecting my credit score and affecting me from getting my own vehicles,, this is the 3rd time Ive made a complaint, how does the company agree if I didnt sign any docs or anything? Ive alredy explained that it was opened without my consent, Im lost after this point
Product: Credit card or prepaid card

On XX/XX/XXXX I attended a seminar that I was reach out to in reference to cancelling TIMESHARE that we no longer want. We attended and joined XXXX XXXX XXXX ( XXXX XXXX ) to cancel our memberships with my timeshares. This company stated that they have 365 days to complete this. As the year was passing by I sent them many e-mails because I was not seeing any results and was still getting e-mails and phone calls from the properties. I even contacted the Attorney General and they also were not able to contact this company. I Filed a disbute after the year was up, XX/XX/XXXX with XXXX ending # XXXX CASE # XXXX along with my attorney that was helping me with this case. His name is XXXX XXXX from XXXX XXXX XXXX and was on all the calls with me when we started to dispute. 
It took a while for them to get my paperwork and still had to resend all my info again. I filled the original disbute on XX/XX/XXXX and several phone calls later. XX/XX/XXXX they finally opened my case and said they would have it resolved within 45 days.They finally send me a decision on XX/XX/XXXX and state that Due to the length of time from which I filled and the original purchase date I was past there complaint time to file. So we had to fight it again, On XX/XX/XXXX I sent a letter that I don't agree and had to open the case again. XX/XX/XXXX and had to resent all my info again because they had to reopen my case as to they. This has been way over the time frame 45 days they gave me as to when this would be resolved, I get a phone call in XX/XX/XXXX and they tell me they can not refund me the {$4000.00} because I would need an attorney to handle this for me because I signed a CONTRACT with XXXX XXXX. My attorney clearly said that was not necessary and we called them again and we did and they still had no answers for us. ( I have been trying to reach my attorney and now he is not responding to me, Another Issue ) The cc company was suppose to get back to us with a response and never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent all three credit bureaus verification request. Request came back verified. I'm not sure how. I contacted XXXX XXXX requesting debt validation. They failed to properly validate and did not sent back the 5 items listed in my letter. Instead they began to send me collection notices. I sent notice to the credit bureaus but still they keep reporting this debt collection on my report. I sent a 3rd request to XXXX XXXX to validated the debt as the credit bureau, Experian specifically, advised me that portfolio recovery had to send me what they used to validated the debt. Again they did not send all items listed including a contract. I even contacted XXXX XXXX the company they are collecting for they were not able to locate the account.
Product: Debt collection

The company sent me some statements from a previous account that shows nothing about it. When inquired further they told me to pay my debts and stop complaining, its getting costly! In addition they have taken to harassing everyone I know to get in touch with me. 

The information I got does not substantiate ownership of the debt, it was all sent to a very old address and when I asked again for the signed contract and what the bill was for, they refused to send it. If they can not legally prove that I owe them anything than why are they contacting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit report act XXXX Acoount # 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.
Product: Debt collection

I am a victim of identity theft and I am unsure of this company but Ive never given permission to be contacted by them. They are harassing me with early morning and late evening calls. Constantly daily multiple times a day.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, XXXX, Equifax, and XXXX credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a Car loan account opened at XXXX XXXX XXXX on XX/XX/XXXX, personal credit card account opened at XXXX XXXX XXXXXXXX on XX/XX/XXXX, a personal credit card account opened at XXXXXXXX XXXX  on XX/XX/XXXX credit account opened at XXXX XXXX on XX/XX/XXXX, and a credit card account open with XXXX on XX/XX/XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts and collections are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized hard inquiry listed on my credit report. Upon reviewing my credit report, I discovered an inquiry made by XXXX XXXX XXXX XXXX on XX/XX/2024. It is important to note that I did not provide any authorization for XXXX XXXX XXXX XXXX to acess my credit report, nor do I have any record of initiating a transaction or applying for credit with them. 

As stipulated by the Fair Credit Reporting Act ( FCRA ), I hereby request that you conduct a thorough investigation into this matter. It is imperative that you verify the accuracy and legitimacy of the inquiry with the respective creditor. I am aware of your obligation under the FCRA to complete this investigation within a reasonble timeframe. 

I also request that you provide me with verifiable proof of your findings and any actions taken as a result of this investigation. Should the disputed inquiry be unverifiable or found to be inaccurate, I request that it be promptly removed from my credit report. 

Furthermore, I would like to emphasize the mandate of the FCRA, which requires consumer reporting agencies to follow reasonable procedures to ensure the maximum possible acuracy of information concerning individuals. 

Thank you for your prompt attention to this matter. I anticipate receiving updates regarding the progress of the investigation.
Product: Credit card or prepaid card

Regions bank took a duplicate payment from my checking account to apply to a credit card, which resulted in an overdraft and removed my access to cash that I needed from the overdrafted account. 

On XX/XX/2019, I attempted to make a payment on my Regions Bank credit card in the amount of {$550.00}, which was the current balance of the card. On XX/XX/2019 I noticed that the payment had not been taken from my checking account and applied to the credit card. On that day, I sent a secured message through Regions ' website asking about this. The response I received did not actually address my question, so I sent an additional message restating the question later that same day. 

Regions responded my message, informing me that that there was an error with the payment and that I would need to make the payment through an alternative method. Specifically, they stated : " XXXX XXXX Banking is experiencing a known issue involving credit card payments made online from external accounts. At this time there is not an estimated time of resolution. '' and " In the mean time you may mail payments to the address below, visit your local branch, or call us at XXXX. You can make payments through our automated system from your Regions deposit account, or speak to an agent to make your payment by phone. '' Instead of attempting to make another payment that day, I decided to wait and try to make payment again online, as I have always done, a few days later. That payment attempt was successful. 

Today, XX/XX/2019, I checked my checking account and found that it was overdrafted and that Regions had taken not only the second attempted payment, but also the first attempted payment, which they had specifically told me I would need to pay in a different way and that there was an error with that payment. I relied on Regions ' statements that the first attempted payment resulted in an error and that I was required to use a different method to make a payment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Inquiries : XXXX XXXX  XX/XX/year> : XXXX XX/XX/year> : XXXX XXXX XX/XX/year> : These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theftandfraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX I paid off a Collection from : XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXXXXXX XXXX, PA XXXX. They informed that the collection would be deleted from all 3 bureaus on my credit report in 30 days after payment and they still have not deleted this collection. I've done everything I was asked to do and they didn't hold up there part. 

Original Creditor : XXXX XXXX XXXX XXXX, XXXX Acct # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX. 
XXXX File # : XXXX Balance : {$2200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 a company named XXXX, address XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, SC XXXX XXXX, filed a foreclosure against me on property in Florida that I do not have any ownership in. They also reported the foreclosure to the credit reporting agencies and at least 2 show the foreclosure on their reports, they are XXXX and Experian. Although I am still showing a very good FICO score, approximately 800, the reporting of the foreclosure is causing harm to my ability to access credit markets. Even though the foreclosure documents that I am going to upload at the end of this report reference an overdue loan the filing is only a foreclosure. I suspect this is because the note they reference is 8-10 years old and well past the statute of limitations. XXXX has be made aware of all of this by my attorneys and have not removed the reporting. In addition I have filed disputes with XXXX ( confirmation # XXXX ) and Experian ( report # XXXX ) and they have not removed the reporting either. 
XXXX 's dispute is with the current owners of the property and not me. Additionally if they can not show documentation that I own the property ( which I don't ) they should immediately drop the XXXXeclosure proceedings and amend their reporting to the credit agencies. Absent that, the credit reporting agencies should demand that XXXX produce documents showing that I own the property and if they can't the agencies should remove the adverse reporting themselves.
Product: Debt collection

Several debtors trying to collect debts for claimed XXXX related debt but I did not receive any information via mail confirming I could dispute the debt nor has my written request for additional information resulted in the requested documentation from the debtor to provide detailed proof debt owed. I have not made any form of payment or payment arrangement ( due to unknown charges ) in well over XXXX years however the debtor is also reflecting the account/charges were just recently opened XXXX months ago?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX ( Account NumberXXXX Balance Owed : {$16000.00} Date Opened : XX/XX/2020 ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. Under 15 USC1681 Section 604A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15USC1666B a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 
XXXX XXXX  XXXX Balance : {$16000.00}.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The account with XXXX XXXX XXXX XXXX XXXXXXXX account # XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

According to 15 USC 16811 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 16815-2 ( 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: Mortgage

SPS is the mortgage servicer for the mortgage on my mother 's co-op apartment. I am the executor of her estate. My real estate attorney requested pay-off documents on XX/XX/XXXX for the sale of the co-op. Nearly 3 months later and they are still unable to provide the documents. Our sale is in danger of falling through if this drags on much longer. They seem never to have the documentation they should legally maintain. They repeatedly claim to be " expediting '' the matter with nothing changing for weeks. Attorney has been contacting them daily only to hear the same excuses and delays.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX  XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX XXXX XXXX XX/XX/2021 DISPUTED BY XXXX XXXX The FCRA ( federal law ) says that as a consumer, you are legally allowed to challenge the validity and accuracy of these hard inquiries. And when you challenge these inquiries, it's called opening a dispute. The company pulling your credit must provide documented proof, for example a document with your signature on it, that you authorized and provided consent for the hard inquiry. If they fail to provide this documentation, then XXXX, XXXX, and Equifax must remove these inquiries from your credit report. PLEASE PROVIDE MY SIGNATURE ON THESE INQUIRIES
Product: Checking or savings account

New Account XX/XX/2023 A new account has appeared on your credit report. 

VILLAGE CAPITAL AND INVE XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NV, XXXX This new credit account was not open by me and it caused a decrease in my credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

I have repeatedly disputed the accounts with ALL the of the major credit bureaus stating I do not owe MEDICAL DATA SYSTEMS INC. The credit bureaus all come back stating the information has been verified. MEDICAL DATA SYSTEMS INC has been paid to the original creditor by my insurance company before any collections. MEDICAL DATA SYSTEMS INC Is reporting to unpaid accounts on all my credit reports that are incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been brought to my attention that you are not blocking file when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law. Please remove/block the items as they are fraudulent XXXX XXXX XXXX XXXX XXXX, FL XXXX , XXXX XXXX XXXX  XXXX XXXX, FL XXXX , XXXX XXXX XXXX XXXX, PA XXXX , XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX, XXXX . XXXX Balance : -, XXXX XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX XXXX Balance : -, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Bankruptcy discharged Date Filed/Reported : XX/XX/XXXX Reference # : XXXX, XXXX XXXX Inquired on XX/XX/XXXX, XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please refer to previous complaints that I submitted they continuously violate the law!! 
As per the FCRA you refusal to reinvestigate is an intentional and/or negligent FCRA violation XXXX 
As a result of your conduct as described above, you shall promptly DELETE AND BLOCK the Inaccurate disputed information. 

Additionally, as per the FCRA, you are liable to me for damages for your conduct, in addition to your deletion the disputed fraudulent accounts, You are demanded to send a check in the amount of {$1000.00} payable to the order of XXXX XXXX. 
Be advised this IS NOT another dispute or opportunity for you to reinvestigate the previous dispute. The allowable period to conduct such a reinvestigation has expired and shall not be extended by LAW
Product: Credit reporting or other personal consumer reports

NOTICE TO CEASE AND DESIST XXXX  XXXX, XXXX, US DEPARTMENT OF EDUCATION AND XXXX XXXX Shall remove the listed fraudulent and misleading accounts below from my consumer report. Reporting these account and attempting to collect on these accounts is fraudulent, and is a violation of 15 USC 1692j It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in aconsumerthat a person other than thecreditorof suchconsumeris participating in the collection of or in an attempt to collect adebtsuchconsumerallegedly owes suchcreditor, when in fact such person is not so participating. I believe XXXX, US DEPARTMENT OF EDUCATION XXXX XXXX XXXX XXXX XXXX XXXX Understand the accounts they reported to my consumer report using my Personal information was reported to create a false belief that I have an obligation to XXXX XXXX, XXXX, US DEPARTMENT OF EDUCATION AND XXXX XXXX XXXX You have 4 business days after receipt of this Notice to block all of the fraudulent accounts furnished to consumer reporting agencies using my Personal information. Secondly you are also in violation of 15 USC Code 1692D ( 1 ) The advertisement for sale of anydebtto coerce payment of thedebt by sending the letter dated 09/21/2022 ( see exhibit A ) and you a also violated 15 USC Code 1692D ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. I herby order you to cease and desist from attempting to collect these fraudulent accounts and cease all communication directly or indirectly through any medium including Consumer reporting agencies.
Product: Payday loan, title loan, personal loan, or advance loan

I have been paying this for a year and should have paid the loan off. They have sent this to a lawyer who I do not owe
Product: Debt collection

My information was sold to XXXX XXXX, XXXX from the original creditor, Chrysler Capital, without my knowledge. XXXX XXXX harassed me via email between the dates of XX/XX/year> until XX/XX/year> even after our phone conversation of me asking them to cease and desist all forms of communication. They have recently been attempting to collect a debt from me. I am not liable for this debt of {$5500.00} with XXXX XXXX, XXXX. Account Number : XXXX. I do not have a contract with XXXX XXXX, XXXX, they did not provide me with the original purchase agreement as requested.
Product: Debt collection

I sent a certified letter requesting Original contract with full ledger of accounting and they did not send it to me. I do not owe this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an auto loan with VW CREDIT. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called VW CREDIT and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and VW CREDIT with no successful resolution. XXXX, XXXX, XXXX only reporting me 30 days late twice. There was an error on their part. I was never 30 days late twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to the 3 Credit Bureaus about erroneous information on my credit report. Regardless of the multiple written requests, the inaccurate accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$570.00} XXXX  XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXXBalance : {$560.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXXBalance : {$180.00} XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXXBalance : {$440.00} XXXX XXXXBalance : {$1400.00} XXXX XXXXBalance : {$1200.00} XXXX XXXXBalance : {$2500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

An account with Barclays opened on XX/XX/XXXX is showing up on my account. I am disputing the validity of this account due to the number of inaccuracies found. 
In XXXX, both XXXX and XXXX are showing the account in good status for all 12 months. However in XXXX, there was a 30 and 60 days past due for the month of XXXX and XXXX. Last report for this account was in XX/XX/XXXX and the account was reported 120 days past due at XXXX while XXXX was still being reported up til XX/XX/XXXX where the account was reported as charged off, and 120 days past due in XX/XX/XXXX for XXXX.