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

In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

INQUIRIES : - 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 NEGATIVE ACCOUNTS : - 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 XXXXXXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

Notice to all, I am that I am, the consumer in fact, natural person, creditor, lender, executor, administrator, holder in due course of any and all derivatives thereof for the surname/given name XXXX XXXX XXXX XXXX XXXX and have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX XXXX XXXX and autograph as the agent , attorney in fact, so be it ; XXXX It is a Fact that affiant is the only natural person with first hand competent knowledge of the facts of these transactions. 

XXXX It is a Fact that affiant is a consumer as defined in the Fair Debt Collection Practices Act specifically 15 U.S. Code 1692a ( 3 ) because affiant is a natural person. 

XXXX. It is a Fact that XXXX XXXX XXXX is a debt collector as defined in the Fair Debt Collection Practices Act specifically 15 U.S. Code 1692a ( 6 ) because they are attempting to collect alleged debts. 

XXXX. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692b ( 5 ) for using their logo indicating that they are in the debt collection business ( see Exhibit A ) 5. It is a Fact that XXXX  XXXX XXXX is in violation of 15 U.S. Code 1692b ( 2 ) for stating that affiant owes an alleged debt ( see Exhibit A ) XXXX. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692e ( 2 ) ( A ) for using a false and deceptive character for the alleged amount due ( see Exhibit B ) XXXX. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692d ( 1 ) for threatening to harm my personal reputation over an alleged debt ( see Exhibit A ) 8. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692j ( a ) for intentionally furnishing a deceptive form ( see Exhibit A ) 9. It is a Fact that XXXX XXXX XXXX is in violation of 15 U.S. Code 1692g for not validating this alleged debt. 



I Vow to all information provided herein, I do so under the penalty of perjury that the information I so affirm to be true, correct, and accurate to the best of my knowledge so be it ; I Do NOT accept this offer to contract I Do NOT consent to these proceedings
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding an inaccurate item on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items as it is incorrect and does not reflect my true credit history. I have listed the inaccurate account below that require immediate attention. 

XXXX XXXX  Account ending XXXX Conversely, I have an auto loan that is over two years old and in perfect standing that Equifax is not reporting that would have a great positive impact on my credit report. I request this account be added to my credit report to show my open credit amount and perfect payment history. This account is listed below. 

XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX conducted a credit inquiry on me without my knowledge or authorization in XXXX XXXX. I have filed an Identity Theft Report with the Federal Trade Commission and I will attach a copy as such. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; Experian and XXXX are failing to update my credit report to reflect medical collection accounts that are currently in dispute. The dispute letters were sent out over ( 30 ) days ago which is more than adequate time for review and updating of my credit report. I respectfully request that this be addressed immediately. I have contacted the ( 3 ) bureaus to fix this issue, however I have not been successful. Please update my credit report to reflect line items that are in dispute.
Product: Debt collection

XX/XX/year> I want to dispute a collection account that has been falsely reported on my credit report. This inaccurate information is negatively impacting my credit score, and I am requesting an immediate investigation and removal of this item with tek-collect, inc -Account reference XXXX XXXX XXXX XXXX XXXX XXXX XXXX  -Amount : {$1200.00} This collection account is inaccurate because this is a case of identity theft. When i called the company the person who answered didn't want to give me more information and the address he provided was was different than mine. 
This is not my debt and I'm not liable for this debt with tek-collect inc . I never received a contract with this company. 
please be remove this! 

Thank you. 
Sincerely, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act the following accounts listed below 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 an account without my written instructions. 

I ask that these fraudulent accounts be removed from my credit file immediately. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a claim in reference to this company knowingly reporting inaccurate data.My Credit profile has been affected by these Penalties this looks suspicious and deceptive, I demand proof To See valid authorization and the validity of alleged debt. Reporting without proper disclosure Requirements are in direct violation of my Consumer, rights I XXXX XXXX legally request a description of the details of the verification process used to verify this alleged account. Federal law requires you to answer back in 30 days failure to comply with these federal regulation by the FTC u.s C41, et seq. ( 211 form ) I am Maintaining careful record On my communication with your company
Product: Credit reporting or other personal consumer reports

XX/XX/2024, UNAUTHORIZED CREDIT INQUIRY FROM XXXX  XXXX, CONTACTED BUREAU TO HAVE UNAUTHORIZED INQUIRY REMOVED.
Product: Vehicle loan or lease

I have been unable to get the correct status of the total loss of the vehicle. Loss paid by insurance. Im still being billed. 
On XX/XX/year> I was informed tha total I have to pay was {$410.00}. I made that payment on XXXX. I need to get this off my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, XXXX XXXX XXXX XXXX XXXX is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Debt collection

On XX/XX/, I sent a debt verification letter to Aldous & Associates , PLLC disputing a debt. I specifically asked for the company to validate the debt. However, the company has failed to respond for more than 60 days.
Product: Credit reporting, credit repair services, or other personal consumer reports

Between XX/XX/XXXX-XX/XX/XXXX and also XX/XX/XXXX I called my credit bureau regarding a suspicious inquiry on my credit and they advised me to call discover. Someone had applied me for a student loan with discover even though I am not in school and dont know anyone that is. Discover pretty much informed me they cant do anything and will not do anything about it. They do not care about others period. Beware from doing business with them. This inquiry brought my score down 5 points and due to that I got denied from a car loan just a couple days ago which prevented me from going to work and now I lost my job. I am contacting this department in clearing this inquiry and getting assistance with a lawyer for damages caused.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2021 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. II feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/Greensky # XXXX is reporting a late that I should not have. I was never late as I did not owe a payment at the time, the doctor who billed me decided he couldn't do the treatment and cancelled. I never received a bill and it was supposed to be 6 months with no payment or interest. I recently found a different doctor to do the treatments and started with them. No payment was due and they are in violation, I should not have a late.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX # XXXX is reporting an account to my credit with a balance that should not be on there. This has been paid off for some time and is still reporting a balance and I need this removed off of my credit.
Product: Debt collection

ProCollect is reporting a debt of {$6400.00} which is also tied to a judgment on my credit report. The judgment is only for {$1900.00}. I have contacted ProCollect to try to handle the situation and they are very rude and hang up in my face. I sent of request for validation and XXXX has deleted ProCollect from my credit report.
Product: Checking or savings account

Starting XX/XX/2022, I attempted to move money from my online savings account at Ally.com to another place. Message appeared that funds were " restricted '' so I couldn't withdraw any money. Literally, spent hours on the phone with various reps, none of whom was able to tell me why there were restrictions. Eventually, I was promised funds would be released in 48 hours. 50 hours later, funds still restricted. Eventually, restrictions were lifted and I was able to withdraw my money, but meanwhile I had spent hours on the phone and lost income due to not being able to withdraw my money when I wanted to. Despite my repeated requests by phone and by messaging as to why there were restrictions, I've never received an answer. 
In addition, I had added XXXX to my list of external accounts, had gone through the account verification process ( temporary money transfers from Ally to XXXX ) and the account had been verified. On XX/XX/2022, that account was active ( I have a screen shot showing this, as well as an e/m from Ally ). When I tried to transfer Ally money to that account on XX/XX/2022, the XXXX account was suspended! I still have no logical or reasonable answer, again despite repeated requests, as to why that account was and remains suspended. Ally has told me that the XXXX account number was wrong and told me that i needed to get a letter from " the XXXX '' verifying certain information in order to get the suspension lifted. This, despite the fact that the temporary transfers were verified and the account was active. 
Again, I have lost money due to not being able to transfer money to my XXXX account. 
Unfortunately, I can not attach most documents b/c they contain account numbers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account XXXXXXXX XXXX XXXXXXXX XXXX and account 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 AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting or other personal consumer reports

Accounts falsely reported hard inquiries under my credit reports, unrecognizable. 

XXXX XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX AMERICAN HONDA FINANCE Inquiry date XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX 2024
Product: Payday loan, title loan, or personal loan

Didn't have the funds available. Tried to get the company to stop but the refused. Account is now XXXX negative and they continue to try and withdrawal and bank wont close account until I pay them.
Product: Credit card or prepaid card

This is the THIRD hack on my credit card at this company since XXXX and each hack gets more aggressive. In this instance, I got an email informing me my username had been changed. My credit card was charged {$630.00} for an online purchase at XXXX ( XXXX XXXX ) on XX/XX/XXXX and XXXX award points were used to purchase air travel ticket ( s ). 

Credit card company immediately resolved all issues.
Product: Prepaid card

So I filed the first complain about bank of america not helping me file the disputes for a lot of the transactions I didn't make at all so I received a email from bank of america complain department willing to help me file this disputes and to give them a call to move forward with the help I need so I been calling and I get sent directly to voice mail haven't had the chance to speak to no one and this is too much already I have done my part of providing with everything they asked from me and I still haven't been able to file my disputes at all so who should I contact next since no one is helping me at all
Product: Debt collection

I previously contacted your agency regarding this debt trying to be collected regarding Clark County Collections, your company was able to get this agency to send the signed consent of authorization which thank you as this is dated back in XXXX which is even past the allowed time for this agency to report on my credit file. It has been XXXX years. I am requesting this agency to remove as they are violating my rights per the FCRA only allows data to report for XXXX years only. Please help as the credit agencies and Clark County are not following the law.
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX US DEPT ED XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've filed multiple disputes on an account that is inaccurate on my credit report with the credit bureaus, however they continue to report that the information has been confirmed as accurate by the collection agency. I've requested from Fidelity Crd to verify the information that they are reporting is in fact accurate, however they have failed to provide me with anything. As many times that I've disputed the account, advising of inaccuracies between the reporting of different bureaus, XXXX XXXX XXXX XXXX Type, request for FCRA Compliance Date and Date of First Delinquency/Last Activity, I haven't been able to obtain the information. The FCRA states that if an item is reporting on my credit report, that item must be accurate and verifiable. Fidelity Crd has failed on both of these instances. The Credit Bureaus have also failed their duty in " Conducting a Reasonable Investigation '' as they were made aware of the issues regarding the account. During my research, I've found that " Parroting '' isn't a legal way to conduct an investigation. When I requested the credit bureaus method of verification and to review the documents that they have physically reviewed to confirm the accuracy, they blatantly ignored my request.
Product: Credit card or prepaid card

I purchased two pair of XXXX sandals online from web supplier. Did not know from website that supplier was based in XXXX. I received cheap vinyl sandals very different from what I ordered. I repeatedly corresponded with web supplier who refused to send correct order unless I re-ordered again ( for 30 % discount ) Then I reached out to Bank of America, my XXXX company for help. BOA did not help. Instead they asked that I send proof that merchandise was not authentic. I contacted XXXX Consumer Care by email, sent them photos of my cheap sandals, to which they emailed me back. They agreed this was not their merchandise. 
BOA is now stating they want a second opinion letter from another qualified merchant who must physically inspect the merchandise, state that he has expert knowledge and explain how he is able to determine the merchandise is not authentic- all on corporate letterhead.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and my address is XXXX A XXXX XXXX XXXX, Md XXXX all of the other names and address are wrong and incorrect that appear in my credit reports are wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a formal complaint that the company NATIONWIDE RECOVERY SYSTEMS and XXXX  are reporting misleading, fraudulent, and unverifiable information on my credit report. The account that is being reported is from XXXX XXXX XXXXXXXX XXXX XXXXXXXX with a balance of {$1400.00}. The account number is XXXX. First, I did not receive any documentation from any one of these companies to validate that I am responsible for this debt or that they intend on seeking collection. I just woke up one day and this account popped up on my credit. Secondly, I have disputed this debt in the past because the account is fraudulent. The result of me disputing this account in the past, was that the account was deleted because someone used my information in the emergency room. I am a victim of identity theft and I have made multiple police reports, FTC reports, and disputes. I have also locked my credit report with all three bureaus. I called the debt collection company about this debt to tell them that this account is fraudulent. The manager " XXXX '' was very rude to me and told me there was nothing he can do. Why is there an old account from XXXX  being rereported that was already removed due to fraud? I am requesting that all of the companies I am making my dispute against delete this account from my credit report, delete my information from there systems and do not sell my information to any other debt collector. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. If this account is not deleted, I do intend on taking legal action. This is causing my family serious financial stress. This is unfair. I am also requesting all the information these companies have regarding this account. I have attached a police report that I filed when I first became aware that my information was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute with experian and the report came back resolved and deleted from my report on XXXX then XXXX with no proof or change the item was placed on my report and no new findings were documented sent to me l want this item removed immediately from my report.
Product: Credit card

On XXXX XXXX I tried to make a onetime payment to a vendor through Pay Pal with my credit card. Pay Pal was the only payment the vendor would accept. Pay Pal took all my credit card information and then pay the vendor through what they said was Pay Pal Credit instead of putting the payment through my credit card. I did not want any credit through Pay Pal. When they emailed me the same day XXXX XXXX, telling me about Pay Pal Credit I emailed them back saying I did not want any credit. I just wanted to make a onetime payment from my credit card. Today XXXX XXXX I received another email saying my payment to Pay Pal Credit is due. I called them and again told them I did n't want any credit through Pay Pal. They said there was nothing they could do because they said I applied for it. I believe this is fraudulent on Pay Pal Credit. I did not want their credit and somehow they stuck me with it and wo n't remove it. What else can I do to have them remove this mistake because they wo n't even after I called and spoke to a supervisor?
Product: Consumer Loan

My complaint is that I purchased a truck back in XXXX 2009 from a dealership I put down on a down payment to get the truck, during my time with the truck from the start I was having mechanical problems, After maybe 3 mo I had credit card fraud which caused me to not be able to make the payment for that mo. So they then remotely XXXX the start engine on the truck so I could not drive it. So within a couple of weeks they repossessed it, an offered me in a letter to buy it back at auction which I could not buy it back because I did not have the money to make the payment let alone to be able to purchase it back for the remaining balance after auction, so in further complaint they sent a garnishment summons to my job stating that I owe them {$3100.00} less the amount they sold the truck at auction. Ok now the question I would like answered is what physical money did they loan me ( put money in my hands check or cash ) that was paid towards the purchase of the truck, an did they not get there property back when they repossessed the truck an sold it at auction. So what warrants me to owe them physical money an for them to hide behind the courts to have them issue a judgment against me for physical money they never give me any way an to take money from me, here is something to think about : when you need to rent a car you have to put down a deposit. when you retain the car you then pay for the usage of the car, you return the car you get your deposit back. physical money an property is being exchanged I feel it is the same concept as leasing a car.