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

XXXX XXXX XXXX used my name in their response many times and I was asked not to use any personal information. First off the loan was to rebuild credit that was never on my credit before XXXX so it didnt help. They only put it on there after my business was shut down and I was XXXX XXXX XXXX XXXX XXXX  and my bank account with fund raising money was taken and I was stuck in the hospital. The promise to pay was from the account that was compromised and I asked it be removed. Plus how can you do this to a person whos fighting for their life and was still doing her best to pay her bills I didnt ask for any of this. How can you charge off a vehicle that you didnt charge off? If you did thats not legal. You cant charge off ( write off ) a loan youre still collecting money on. Plus you sold not only me but many many people wrecked vehicles and did nothing to reimburse them. So this is how you handle customers who were affected by the pandemic left having to fund raise money for medical care because you wrecked their credit and refuse to remove it? This is what your company stands behind? All I asked was for you to take it off since Im paying the loan so I can get medical care and you cant even do that. This is sad very sad!
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 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 an account without my written instructions.

15 U.S.C 1681C ( A ) ( 5 ) Section states : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A personal 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

On XX/XX/XXXX I entered a consumer credit transaction in which I was the creditor and extended credit to XXXX XXXX through my open end credit plan Pursuant to 15 USC 1602 ( g ). XXXX XXXX then disclosed my nonpublic personal Information directly to a third party with out providing me with a notice or opportunity to exercise my right that such not be disclosed. Pursuant to 15 USC 6802 ( b ) XXXX XXXX has used interstate Commerce for the purpose of fraud and are in violation pursuant to 15 USC 77q ( a ) ( 3 ). I sent and letter on XX/XX/XXXX to XXXX XXXX to receive a copy of the original contract to validate this alleged debt. To this day I have not received a response. XXXX XXXXhave reported this Information to the credit bureau stopping me from receiving service or goods, while oppressing me and harming my reputation violation Pursuant to 15 USC 1692d ( 1 ). XXXX XXXX has taken cash payments in an CONSUMER credit transaction and has used Unfair practices to try to collect alleged debt charging interest and late fees violations pursuant to 15USC 1692f.
Product: Debt collection

Consent not provided. No consent by definition is identity theft. No permission was given to any consumer reporting agency to have my consumer information which is a violation of USC 1681b ( b ) ( 1 ) my rights to privacy.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to resolve issues with this company named XXXX XXXX XXXX reporting inaacurate information on my file. I hereby dispute this account on my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 XXXX is reporting a collection on my report that is inaccurate. 
The account is listed as : Credit Collection Services ; XXXX XXXX. 
XXXX {$1200.00}. 

The account has been paid and closed. 

XX/XX/2023 I have mailed letters, disputed online, and called XXXX to remove the inaccurate account being reported. 

XX/XX/2023 The collection company Credit Collection Services advised they would submit the updated account information to the credit bureaus, and did not. 
Credit Collection Services is not who the debit is with, the debt was with XXXX XXXX. 

XX/XX/2023 This inaccurate account being reported is hindering me to be able to purchase a new home.
Product: Credit card

Refer to the attached documents. I want the bureau to initiate an investigation into these accounts, as I am consistently on time but they are reporting me as late.
Product: Credit reporting or other personal consumer reports

I demand these unknown companies : XXXXXXXX XXXX XXXX, and XXXX XXXX XXXX to immediately be removed from my consumer report! Unless there is proof that I signed giving permission for any authorizations, giving permission for any types of transactions with these said companies, if there is no such proof, then this is IDENTITY THEFT I need to immediately be removed no later than 4 days according to 15 USC 1681c-2 Block of Information Resulting from Identity Theft and I will be coming after Equifax for continuously allowing this on my consumer report after several disputes and will be collecting {$1000.00} per violation according to 15 USC 1681n-Civil Liability for Willful Noncompliance and fir violations of 15 USC 1681eb Compliance Procedures ( b ) Accuracy of Report
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes for inquiries that are invalid and fraudulent, credit bureaus rrefuse to remove hese causing decrease in credit score
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was fraudulently listed by the original creditor. Financial charges initiated were no existent. I filled a complaint with attorney general on the original organization. After this debt was used as a tax right off, it was later sold to this debt collector in an attempt to receive further financial compensation. This debt has been following me for almost 7 years. It was supposed to be removed. However, the debt collection again reopened it in my name as a current debt. Below is the current debt collection agency who reopened this debt in my name. Account name XXXX XXXX XXXX XXXX Account number XXXX Recent balance {$3400.00} as of XXXX/XXXX/XXXX Date opened XXXX Status Collection account. {$3400.00} past due as of XXXX XXXX. <P/>XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX Address identification number XXXX Original creditor XXXX XXXX XXXX Type Collection Terms 1 Months Credit limit or original amount {$3400.00} High balance $ XXXX Monthly payment {$0.00} Recent payment amount {$0.00} Date of status XXXX First reported XXXX Responsibility Individual Comment Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). Reinvestigation information This item was updated from our processing of your dispute in XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed for bankruptcy on XX/XX/2018. Prior to this filing XXXX XXXX never reported a collection account on my credit report. It wasn't until XX/XX/2018, that they reported this account to the credit reporting companies. My bankruptcy was discharged in XX/XX/2018. Since discharge, I have contacted XXXX XXXX, XXXX XXXX XXXX XXXX  ( the original creditor ) XXXX, XXXX  and Equifax numerous times and asked them to update their records or remove the account from my report because they are reporting inaccurate information. They continue to report this account as an open active collection account negativity affecting my credit. I was recently denied credit by XXXX/XXXX XXXX XXXX due to their false reporting, when I received the adverse action notice it listed an " Open/Active Collection Reported on Your Credit Report '' as the reason for denial. The most recent time that I contacted XXXX XXXX XXXX XXXX  and asked that they force XXXX XXXX to update this account the representative called XXXX  with XXXX  while I was on the phone and he again proceeded to tell the XXXX XXXX XXXX rep that they have updated it and they can't help how the credit bureaus report it.
Product: Checking or savings account

My chime card was hacked on XXXX XXXX by a scammer/ hacker I don't know XXXX XXXX for {$690.00} I filed my dispute the same day several days later they send a email saying my dispute was denied I filed I called them and they stated I wasn't getting no money back for this unauthorized transaction..I 'm very upset because I feel like a investigation wasn't done properly providing the info I gave them they could even see on my account it was hacked!
Product: Credit card

I was billed for a computer virus software that I did n't order by XXXX XXXX/Citi Bank/Best Buy on XXXX XXXX, 2015. I called and cancelled on XXXX XXXX. When I called again on XXXX XXXX to see if they had processed the refund, they had n't. Now they say it will be 2 months before it goes through. Meanwhile Citibank/Best Buy is charging {$25.00} a month late fee. This a huge scam to drag their feet as long as they can and collect as much late fees as they can. This will ultimately reflect negatively on my credit report, which is why most people probably just pay the fees. Beware!
Product: Vehicle loan or lease

I purchased a vehicle and it was financed with Exeter Finance XX/XX/XXXX. Due to health issues that caused me to be unable to work, I did a voluntary Repossession XX/XX/XXXX. After this was done, I was notified by Exeter Finance that they sold the vehicle at Auction and they received over {$6000.00} for the vehicle. This left a deficit of approximately {$3800.00}. 

This debt was sold to XXXX XXXX shortly after and XXXX XXXX is showing on my credit report with a balance of {$3800.00}. 

I have constantly disputed this incorrect information with the 3 credit bureaus. Exeter updated the information on my 3 credit reports and they are stating {$9000.00} was written off. This is completely incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX 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  Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX  Account Number:XXXX  Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : 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 or other personal consumer reports

This is my follow up complaint, I sent a letter on XX/XX/XXXX to remove accounts that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove any accounts or information not later than 4 business days after the XX/XX/XXXX. Ive already included this in my previous Complaint # & I am including it again. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXY XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX 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: Credit reporting

Experian is reporting XXXX accounts that are older than 7 years. I tried disputing these account with the CRA but they refuse to re-dispute my request saying they were disputed 3 years ago. 

The following accounts have been reporting for longer than 7 years and are no longer being reported by the other XXXX CRA only Experian is choosing to keep them on my file and further more damaging my credit file, career and future. These accounts were disputed with both XXXX/XXXX and are reporting back as unverified along with the company agreeing with me that they would no longer report these accounts. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of EDU XXXX
Product: Vehicle loan or lease

On XX/XX/XXXX i purchased a vehicle from XXXX  XXXX  XXXX  located at XXXX XXXX XXXX XXXX fl XXXX. I wanted to do in house finance nut went i got there that day i was told that i lives to far for in house so my only option was to finance the vehicle so they informed me that my loan was going to be through Westlake financial in CA. And that i would receive a call the next day so i called Westlake financial and was informed that they needed to gather some information like where i worked to verify my income and how much i put down on the car which was XXXX down payment and XXXX for the tag fees. I kept getting the same answers from Westlake financial everytime i called that my loan was denied because the dealer never faxed the paper work and that they couldn't reach my references i had my references call Westlake to verify because all of my references said they never received a call from Westlake financial and i called XXXX XXXX or XXXX XXXX  XXXX  back and was hung up on and told not to call the bank back that i don't have to worry it's my car. Im going to get approved for the XXXX XXXX XXXX XXXX purchase from them i tried to return the car on XX/XX/XXXX and was told they are working on it i asked to do in house once more and that they would call me back never heard back until XX/XX/XXXX because i filed a complaint with the dealer licence in XXXX fl. Telling me to come pick up my temporary tag cause it will expire on the XXXX this month. I drive there from XXXX XXXX in my other car to pick up the tag but XXXX  XXXX  wouldn't give because i didn't bring the car. I left and called the dealer licence rep that is on my case. He told me to try to find a finance company in XXXX XXXX. I tried but the car either was purchased from the company or my bank said it was to old to finance. Then XXXX  told me to go back home and bring the car back. 
I later received an email from the rep that is handling my case that he received notice from the dealer and the Westlake that i put false information on my application and if i don't bring the car back that they are going to have me arrested I put insurance on the car full coverage how could i steal a car from someone i want to do business with its been thirty days tomorrow i already knew they was trying to rip me off after the guy hung up on me
Product: Mortgage

In and around XX/XX/2022 I was contacted by Village Capital & Investment LLC XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX Re : alleged loan # XXXX, assignment, sale or transfer. 
I sent this company a detailed 'CEASE AND DESIST ' letter explaining and evidencing my home was paid in full with a zero balance.

I explained to this company they are not a 1. Note Holder 2. they do not have a power of attorney bearing my bona fide signature 3. they do not have a contract bearing my bona fide signature 4. There is non existent a loan or mortgage and I never borrowed any money from anyone or company associated with them. 5. Village Capital & Investment LLC does not have a legally recorded interest in my property.

All communication from Village Capital & Investment LLC is Mortgage fraud, mail fraud, and extortion attempts.

To verify what appears to be a mortgage fraud and extortion scheme by this company I have enclosed a document entiled 'LOAN AFFIDAVIT ' to be signed and notarized by any officer of this company which will authenticate and evidence an existing loan, mortgage, being a Note Holder and legal contractual authority to contact me.

If the Loan Affidavit is not signed and notarized it will be evidence of criminal activity by this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts were opened without my knowledge : XXXX   XXXX  XXXX {$1100.00} Collections XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX  XXXX  XXXX  XXXX {$1700.00} Charged Off XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX WELLS FARGO CARD SERVICES XXXX {$1000.00} Charged Off XXXX XXXX XXXX XXXX XXXX, IA XXXX All three accounts are listed on XXXX, and Wells Fargo is listed on all three credit reports, XXXX, XXXX, and XXXX. I have no contractual agreement with any of these three companies. They are trying to get me to prove that I didn't create this fraudulent debt, rather than assist me with removing these accounts from my credit reports.
Product: Debt or credit management

Experian XXXX is illegally reporting my finances by publishing, thus relying on inaccurate information, without my signature. XXXX XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX. Experian NEVER had my consent to print, type, nor write anything concerning me without my consent. In violation of ( FCA 31 USC 3729 ) and Fair Debt Collection Practices Act 15 USC 1692 ) ( c ), ( g ). and Section 623 of the Fair Credit Reporting Act ( FCRA ). As a result I request the Experian delete the false information from my credit report then cease and desist. This amounts to XXXX discrimination and ethic intimidation ruining my entire life causing me to struggle upon a daily basis. I can't buy a car, I can't apply for a loan, I can't buy a house. I'm near homelessness based upon false, inaccurate, erroneous information in which Experian concocted against me, WITHOUT MY CONSENT or SIGNATURE. Please help me from these horrible people.
Product: Credit reporting or other personal consumer reports

Equifax failed to remove this item from my credit report as creditor agreed to a pay for deletion. Proper documentation was provided.
Product: Debt collection

I had a checking account sent to collections and Synovus Bank never called or sent me a letter regarding the account. I was never told that I owed them money, and I would certainly have paid them if I was told.
Product: Debt collection

PDQ Services, Inc reached out to me in 2020 regarding a medical debt from XXXX XXXX XXXX Associates. I sent them a letter challenging the debt and PDQ Services , Inc proceeded to put the negative remark on my XXXX report anyway. After noticing the negative remark on my credit report, I sent a second letter for debt validation and they responded to me after 90 days with a copy of some paperwork from XXXX XXXX XXXX XXXX which gave details regarding my medical history which is against the HIPPA Act laws. I am requesting that PDQ Services , Inc. remove any negative information off of all consumer reporting agencies associated to my social security number.
Product: Credit card

Reported a fradulent account to paypal who is scamming people. Paypal dismissed the claim and refused to even take note of the account or perform any action to stop anyone else from getting scammed by the fradulent account.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX {$530.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes of inaccurate information on my credit report and nothing has been done it has been well over 60 days and by law these items should be removed from my credit report immediately.
Product: Checking or savings account

CitiBank stopped granting me access to my account late XX/XX/2020. They closed the account on XX/XX/2020. When I called after the closure, an agent said Citibank would be sending a check out to me. Meanwhile I was never told why my account was closed. Ten business days passed, I still didnt get this check. I called agin, and also complained about not knowing why my account was even closed. I was then told that a letter as to why my account was closed will be sent out to me within 1-3 months. I asked if the check will be included, the representative couldnt say. I was like okay, the check might be included in the reason they will be sending. 3 months passed, I didnt get a letter nor a check. I called again, they said its been sent out to the address they had on file which was surely my right address. I said I didnt get nothing. They said theyll re-issue another one and should get it within 7-10 business days. The days passed again, and I still didnt get nothing. I called and this lady on the phone then said the account was closed because of the information they have on the account is not right that Id have to come to Florida to get it, because I live in Georgia and there is no Citibank branch here. COVID-19 was still on a rapid increase rate at this time. I was like it would be difficult to travel at this time. The person said they would file a claim and then get a check sent out to me. Basically, for the past 7 months Citibank has not given me my money and I kept on getting posted and posted. Now, I would like to take this up legally because Im fed up.