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

I recently bought a car XX/XX/2020 at XXXX XXXX XXXX. I was approved by XXXX then a few weeks go by and I received a letter saying I have been denied due to a SageStream credit score of  XXXX?!?!? When the letter stated that my score XXXX with XXXX. Currently XX/XX/2020 looking at my XXXX  Score Im at XXXX with XXXX  and XXXX  score of XXXX. The Disparity is ridiculously huge it makes no sense why two scores are so close and the third is 240 points lower. XXXX does not offer online services they want hard copies of ID & Social mailed to them, that is sketchy this company is a scam and they should not be allowed to be in operation for falsely reporting inaccurate information.
Product: Money transfer, virtual currency, or money service

On XX/XX/2024 I out and noticed I couldn't use mt debit card. I went to the bank to next day and asked why I was having this problem, because I previously had XXXXXXXX XXXX XXXX in my account. The bank XXXX XXXX informed me that XXXX XXXX took out an unauthorized charge of XXXX from my business bank account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  closed my account on XXXX XXXX and they stated I closed my account on XXXX XXXX and they stated I had a XXXX balance and a XXXX liability. I explained this information to bank and they opened an unauthorized debit or incorrect debit written statement, because I never gave XXXX permission to debit my bank account XXXX. Furthermore, XXXX closed my account then debited my bank account after my XXXX account was closed and the bank teller told me XXXX has not authority to debit my bank account after the account was closed. XXXX broke the law and its fraud for taking my funds and stating I had a XXXXXXXX XXXX, but XXXX still debited my account. I am willing to press charges on XXXX for fraud and theft.
Product: Credit reporting or other personal consumer reports

I am writing regarding an account you reported to the credit reporting agencies. After reviewing the details of this account, I have identified several legal discrepancies that I believe violate the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. 

First of all, I have no contractual agreement with your company, USC s 78cc nor did I authorize any third-party contract or permissible purpose for your agency to report or furnish information to the credit bureaus on my behalf. Under 15 U.S.C. 1681b, only entities with a legitimate and permissible purpose have the right to access and report my credit information. Since there is no such contract or agreement between us, I believe this reporting constitutes a violation of the law. 

Please be advised that I demand the following actions within 10 days of receipt of this letter : Immediate removal of any inaccurate or unauthorized information related to the account from my credit reports. 
A written confirmation stating that you have ceased all reporting of this non-permissible information to the credit bureaus. 
Failure to comply with this request will leave me with no choice but to pursue legal remedies, including but not limited to filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking damages by my rights under the FCRA. 

I trust this matter can be resolved promptly without further action. Thank you for your attention to this urgent matter. I look forward to your timely response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX - XXXX {$1500.00}. I first submitted my complaint to XXXX and Transunion on XX/XX/XXXX asking them to verify this unknown account. XXXX and Transunion both responded with a computer-generated letter informing me that the account was verified and that I should contact the original creditor ( XXXX  ) if I had additional questions. I contacted XXXX on XX/XX/XXXX, asking them to validate the debt. XXXX did not validate. According to the law, the account must be deleted if the creditor CAN NOT validate the account. Just today I looked at my credit report today and see that this unknown fraudulent account is still on my credit report after I have contacted all parties involved credit bureau ( XXXX and Transunion ) and XXXX. How is that possible if they CANT validate with me the consumer but validate with the credit bureau.
Product: Checking or savings account

Clover/Fiserv is witholding over {$29000.00} in deposited merchant payment funds without cause since XX/XX/2023.
Product: Checking or savings account

Good Day XXXXXXXX XXXX Trusit  Checking account # XXXX i opended claim on XX/XX/year> amount of {$60.00} debited from XXXX XXXX XXXX XXXXXXXX XXXX DEBIT CARD PURCHASE due to item returned but never received refund, on XX/XX/year> i received the credit from Trusit and Merchant so Tuist issued letter the claim resolved and amount of {$60.00} will debited from account, now truist debited the {$60.00} twice on XX/XX/year>, XX/XX/year> attached copy of my bank account acitivity Truist must issued credit of {$60.00} they debited from account, since already debited on XX/XX/scrub> XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 XXXX XXXX XXXX XXXX XXXX   XXXX, GA XXXX SSN : xxx-xx- XXXX | DOB : XX/XX/XXXX Equifax Information Services LLC . 
XXXX XXXX XXXX. 
XXXX, GA XXXX. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

I demand the following accounts be verified or removed immediately. 

Name of Account Account Number Provide Physical Verification XXXX  XXXX XXXX XXXX Unverified Account XXXX  XXXX XXXX 2 XXXX Unverified Account XXXX XXXX  XXXX XXXX Account was never late XXXX/XXXX  XXXX Unverified Account * Please remove all non-account holding inquiries over 30 days old. 
* Please add a Promotional Suppression to my credit file. 


Thank You, XXXX XXXX
Product: Consumer Loan

While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry initiated XXXX PNC BANK on XXXX XXXX. I did not authorize employees of PNC BANK to review my credit report at any time. This action is in clear violation of my FRCA and Privacy Rights. I have requested that PNC BANK provide me with any documentation to validate this inquiry within 5 business days and they have failed to do so. I am requesting that PNC BANK contact XXXX and/or All credit reporting Agencies to permanently delete this adverse information from my profile.
Product: Credit reporting or other personal consumer reports

IN REGARDS TO SEVERAL ACCOUNTS ( accounts listed below ) I was doing my regularly credit report check and noticed that there were a few strange STUDENT LOAN accounts from DEPT OF EDUCATION/XXXX on my credit file. I never opened any accounts nor done any business with that company, therefore its been fraudulently opened. The accounts show as STUDENT LOANS. I have listed the account numbers below. I request that this account be erased from my credit file and any internal database, as I am not liable for any accounts opened without my knowledge or consent. This couldve been completely avoided had you all followed the necessary precautions given that I have an active security freeze on my credit file due to prior identity theft involving my sensitive information. 

I request that the referenced accounts below account be completely erased from my credit file immediately as it is incorrect information. I have no knowledge of this account whatsoever, and I am not liable for fraudulently opened accounts : XXXX OPENED ON XX/XX/XXXX {$9200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$5200.00} BALANCE XXXX OPENED ON XX/XX/XXXX {$20000.00} BALANCE
Product: Vehicle loan or lease

Lenders Name : American Credit Acceptance APR is consistently 22 %, Since 4 years ago ; When my Credit score have increase since then. 
I tried to work out something that could help me pay loan down, but it is not allowed. There Policy says that they can repo my car within 3 to 6 months of past due payments but they manage to repo the car within 2 months behind. 
I would of thought they would refinance my loan after a year or two but i guess i have to let them know to refinance. 
I complain how i had to do repairs on the vehicle which lead for me to be behind on the loan. I have receipts that will prove that i put in double cost of repairs then what i need to make a payment. I tried to get rid of the vehicle because it was a lemon when i start driving it within the first month. 
In the past, i had representatives that told me wrong information about where my vehicle was when it was time to repossess my vehicle. The representative had me go 3 hours out of where i live to pick up my vehicle, just to find out it wasn't there. It seem like they didn't want to hold themselves accountable for what they put me through.
Product: Debt collection

I just noticed this debt on my credit report and I do not have this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an alleged bankruptcy with Experian. They verified it several times, and mentioned they were provided this information by XXXX. I pulled by XXXX report to find there was NO BANKRUPTCY listed. I demanded that Experian delete the bankruptcy from my credit report, and they claimed AGAIN even with EVIDENCE FROM MY XXXX XXXX REPORT that they have no bankruptcy listed. 

If they're verifying information with XXXX, and XXXX doesn't show a bankruptcy then it needs to be deleted.
Product: Credit reporting or other personal consumer reports

I received a notification in regards to my credit report from Transunion and XXXX. The notification told me that my credit scores had decreased by XXXX points with Transunion and XXXX points with XXXX, because my vehicle loan balance decrease by {$450.00} due to me making a payment on time. When I called TransUnion to find out why they decreased my score due to a on-time payment he told me they decrease my score because of a late payment from over a year. They penalized me and decrease my credit over a year ago when I had the late payment, but now I have been paying on time the correct amounts, and they have decreased my score again. This is very frustrating as I have worked very hard to try to get my credit back up. I can understand being penalized for being late or missing a payment and making my score go down. But to decrease my score by so many points, because I made a payment on a loan on time and correctly is not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankruptcy reporting on experian, XXXX and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.
Product: Credit reporting, credit repair services, or other personal consumer reports

I believe I am a victim of identity theft. Due to the Pandemic, we have been facing a lot of problems in terms of financial, emotional, and physical aspects. Also, I have been hearing a lot of recent news that the Bureau is having data and system issues. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The XXXX and XXXX Credit Bureaus are reporting inaccurate information on BARCLAYS BANK DELAWARE. Please Remove the account. These statuses are damaging to my report, which would not be happening if the bureaus investigated properly before posting derogatory information. Per FCRA, reporting must be 100 % accurate. Here are the lists of the erroneous accounts reporting on my Credit Report : ( BARCLAYS BANK DELAWARE XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to file a complaint against XXXX XXXX XXXX XXXX for pursuing collection activities without a permissible purpose as outlined in the Fair Credit Reporting Act. Specifically, I believe that your agency has violated my rights by attempting to collect a debt that is not mine and by continuing to contact me despite my requests for verification of the debt. 

As you are aware, under the Fair Credit Reporting Act, collection agencies are only permitted to pursue debt collection activities if they have a permissible purpose, which includes situations where the debt is owed by the consumer or where the consumer has given their explicit permission for the agency to pursue collection. However, in my case, I have repeatedly informed your agency that I do not owe the debt in question and have requested that you provide me with verification of the debt. 

Despite my requests, your agency has continued to contact me in an attempt to collect the debt, which is both harassing and a violation of my rights under the Fair Credit Reporting Act. Furthermore, I believe that your agency has also failed to provide me with the required disclosures about my rights under the law, including the right to dispute the debt and the right to request validation of the debt. 

In light of these violations, I am requesting that your agency immediately cease all collection activities related to the alleged debt and that you provide me with written confirmation that you have done so. I also request that you provide me with verification of the debt in question, including information about the original creditor, the amount owed, and any other relevant details. 

If your agency fails to comply with these requests, I will be forced to pursue legal action to protect my rights under the Fair Credit Reporting Act. I trust that you will take prompt and appropriate action to resolve this matter and ensure that your agency complies with all applicable laws and regulations.
Product: Credit card

Please be advised on XX/XX/2016 I sent Synchrony Bank/Amazon credit card information Pursuant to 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER I sent the correspondence in the attachment to Synchrony Bank/Amazon! Synchrony Bank/Amazon has not provided any documentation as outlined in 623. ( a ) ( 8 ) ABILITY OF CONSUMER TO DISPUTE INFORMATION DIRECTLY WITH FURNISHER ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE- After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- ( i ) conduct an investigation with respect to the disputed information ; ( ii ) review all relevant information provided by the consumer with the notice ; ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to complete its action if the consumer had elected to dispute the information under that section ( E ) if an item of information disputed by a consumer is found to be inaccurate or incomplete or can not be verified after any reinvestigation under paragraph ( 1 ), for purposes of reporting to a consumer reporting agency only, as appropriate, based on the results of the reinvestigation promptly -- ( i ) modify that item of information ; ( ii ) delete that item of information ; or ( iii ) permanently block the reporting of that item of information
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX TIME SUBMITTING DISPUTE! 

Failed to investigate to inquiries. 

Will try to give Generic Response 's to manipulate and close case out without any action and no investigation. 

Allowed to companies to pull my credit report without authorization and refused to investigate. Filed a dispute three times and within 10 minutes both disputes were completed and verified. 

Failure to properly investigate a dispute is a violation. 

I will continue to pursue every legal avenue and continue to file disputes and complaints until they can either prove that I did it with an application or a signed document or something allowing these two people to pull my credit or until they delete the inaccurate inquiries. 

Equifax had my information mixed up with somebody elses information and I have no accounts with these two inquiries. My belief is these two inquiries belong to the other person they had my account mixed up with. 

They are willfully and negligently failing to provide me with an accurate credit report which I am entitled to. I did not authorize these two inquiries! 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Around XX/XX/2021, I pulled my XXXX credit reports and noticed fraud on each report. The debt was fraudulently and erroneously reported on my credit reports. I did not open the accounts and did not authorize anyone to do so on my behalf. This information belongs to someone else, who I have no knowledge. I'm not an existing customer of these organizations. The organizations were contacted via telephone and can not provide any contracts or signed documents with my signatures which can link me to the debt. On XX/XX/2021, I notified each credit bureau of the fraudulent accounts which are unauthorized. The credit reporting agencies have advised me to file this complaint with the Consumer Financial Protection Bureau. 

Please see the fraudulent accounts and amounts below : XXXX XXXX XXXX {$100.00} Indigo - XXXX Bank {$690.00} XXXX XXXX {$0.00} Thank you for your time and support.
Product: Debt collection

XXXX XXXX XXXX assignee of First USA Bank got a default judgment through their attorneys XXXX XXXX XXXX XXXX XXXX, XXXX. in XXXX and then filed a lien against me. Their default judgement should have never happened because the service was not perfected. They served my mother at her home, which I had moved out of prior to the service. Furthermore, this debt was included in my XXXX Bankruptcy and was discharged and the lien should have been canceled. I also never had an account nor even heard of First USA Bank until I found out about this lien a month ago. Since then I have not been able to find anyone that can find this debt.
Product: Money transfer, virtual currency, or money service

I was trying to purchase tickets to a football game via XXXX. Upon agreeing to an amount of {$300.00} for 3 tickets I unknowingly sent the XXXX payment to a scammer. The scammer sent proof of the tickets and eventually blocked me and my wife from their XXXX account. I called Citibank in less than an hour to remedy the situation but payment could not be stopped. I also spoke to their fraud department and there was nothing that could be done. I then spoke to XXXX and reported the fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting incorrectly that I am 120 days past due on XXXX - partial account number XXXX. ( Please see page 9 attached. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX Account # 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 customer Reporting agency cannfurnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXXXXXX XXXX XXXX # XXXX, XXXX, Amount {$2500.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXX # XXXX, XXXX, Amount {$840.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX  # XXXX, XXXX, Amount {$22000.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible. XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX, Amount {$530.00} This account was opened fraudulently, contacted the company and the company refused to remove this from my account and it's still trying to hold me responsible.
Product: Debt collection

Apartment complex ( XXXX of XXXX ) has sold my information to a third-party collection agency who is now trying to collect a debt that I do not owe. After trying to dispute this account several times, XXXX XXXX XXXX has refused to review the supporting documentation I have submitted that proves that this debt is not mine. Please read the company response for my complaint submitted on XX/XX/2023 : Company 's XXXX XXXX XXXX XXXX XXXX XXXX is a third-party debt collection agency that is collecting a debt on behalf of XXXXXXXX XXXX XXXX XXXX XXXX Charges were not assessed by XXXX. XXXX XXXX has disputed her debt, and XXXX has submitted her dispute to the CRAs as required by law. The original creditor contends that the debt is in fact owed and has provided documentation supporting the charges they assessed. If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. 



If the company did not assess the charges before reporting it to my credit report, how where charges validated and verified? Also, I have provided documentation to support the charges form XXXXXXXX XXXX XXXXXXXX does not belong to me and they refuse to review theses documentations.