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

I have a fraudulent closed/opened account. With a false sales pitch XXXX vacation credit took advantage of my shared information with commenity capital Bank creating an account that was binded with a contract without my consent I didnt authorized this actual account for XXXX that has now accumulated fees making the balance go up for none payment. On XX/XX/XXXX, th me and my boyfriend was led to a XXXX vacation resort with the intentions of gaining XXXX for attendance We came in but had a process you follow. First they sit you down in cubicles asking you to share your personal info check off and signed a few areas to help better your chances on deals information was not going to be used unless agreed upon. Soon after we are in a waiting area eating small snacks before entering the presentation. After the presentation we are escorted to a private table to with a representative to talk on our thoughts on future vacations they kept us there for hours because we kept declining we finally came to agreement but nothing was actually finalized or printed out. We was told we will get the info in the mail since they already had our info. I didnt no I left there in a XXXX debt. After we came home from the trip we later received two congratulations welcomed letters. But we didnt agree upon them so on XX/XX/2020 we called the numbers on the letters to cancel them both. My boyfriend received a letter of a zero balance I didnt but I checked with XXXX  to see if the account was closed and it was. a month later bills from started generating from XXXX XXXX XXXX I called the numbers on the back of the bills that lead you to Comenity capital Bank. During the investigation period I made calls to try to understand when or how this money was used since I never actually seen it. I then learned that commenity bank agreed to a loan on my behalf without my knowledge. When i called XXXX they did a so call investigation too. They both said the same thing even though your saying you didnt sign we have your signatures. There proof was my first copy of the contract that has small docu  signed signatures. I continued to dispute as the account continues to tear my credit apart I just keep receiving random calls from commenity capital bank for payments Im at a lost on what to do.
Product: Credit reporting or other personal consumer reports

XXXX XXXX CO XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX  XXXX XX/XX/year> I don't recognize these accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I am reaching out to file a formal complaint against Experian Credit Reporting Agency. I have been an ongoing battle for two bankruptcies that do not belong to me : XXXX BKPT CT GA XXXXXXXX Bankruptcy chapter XXXX-discharged original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX US BKPT CT GA XXXX Bankruptcy chapter XXXXdismissed original filing date : XX/XX/XXXX Latest status date : XX/XX/XXXX. 



I have written several letters and I have spoken to several representatives over the phone asking for verification of these bankruptcies. The very last conversation I had with a representative from Experian was on XX/XX/XXXX ; due to another written dispute transferred to an online dispute, she stated to me that a third-party vendor is reporting the information accurate back to Experian. I then explained to the representative that I have a distant relative that has the same name as I do ; however, I have a middle name and that relative doesn't. My social security number is not associated with any bankruptcies ; due to me never filing bankruptcy. The call was disconnected. I have done my due diligence and contacted all of the Consumer Reporting Agencies such as : XXXX XXXX, and Clarify to dispute all inaccuracies that are being reporting to the major credit bureaus such as Experian. With proper documentation of my social security card, and an identity fraud report ; I was successful with having that information deleted. The other reporting agencies such as XXXX and XXXX have deleted those negative reporting. Experian is the only credit bureau that is not fully complying with Fair Credit Reporting ACT. 



My last written dispute in XXXX, XXXX ; had the attached findings of the bankruptcies deleted from the public record data base. With substantial evidence through documentation and other evidence such as my social security card ; with the reports showing deletions of the bankruptcies from the other reporting bureaus, Experian still uses a recycled third-party data base to re verify information that is not true. I ask that you hold Experian under all findings of violating my rights under the Fair Credit Reporting Act.
Product: Debt collection

I was able to take a look at my consumer report. I have found that Acima Digital Fka Simp are using abusive, deceptive and unfair debt collection practices to collect on the alleged debt in reference. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). I extended credit to Acima Digital Fka Simp to obtain a vehicle. The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. All extensions of credit are deferred under code 18 USC 891 ( XXXX ). Acima Digital Fka Simp is engaged in extortion and racketeering activity by attempting to collect this debt under Title 18 XXXX XXXX  Failure to make the repayment of this alleged debt has resulted in the use of criminal means by causing harm to my reputation. My consumer report does not include a report containing information solely as to transactions or experiences, furnishing late payments are a violation of 15 USC 1681a ( d ) ( 2 ) ( i ). I never received adequate notice that sets for the pertinent facts for this consumer credit transaction which violates 15 USC 1602 ( k ). Acima Digital Fka Simp has benefited from my uninformed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880. I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX pursuant to 15 USC 6802 ( b ) ( 1 ) ( B ). Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). Their conspiracy against my rights is affecting my ability to operate in commerce. This is a violation of 15 U.S. Code 1. I am requesting documentary evidence specifically the book of account under 15 USC 44 to validate this alleged debt.
Product: Credit card

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602. This states I have the right to privacy, 15 USC 1681 Section 604 A Section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCs 1666B, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting

I have filed several disputes with Equifax about removing a chapter XXXX that was dismissed and has been on credit report for 9 years. I have read and done research and understand that it should have been removed at 7 years. It even says on Equifax website that it should be removed. I finally called and was told by XXXX they will not remove it before10 years. He also said I must prove it was a chapter XXXX not a XXXX and I let him know that the letter they sent me states that it is a XXXX not a XXXX. He then told me since it was dismissed it will be treated like a XXXX. I did advise them I will be filing a complaint and XXXX told me to go ahead and file a complaint. That despite everything I have read their policy is not to remove it before 10 years because a dismissed XXXX is just like a chapter XXXX.
Product: Vehicle loan or lease

This complaint will be the third and final attempt at resolving this matter outside of Federal Court.

Laws Cited : 12 U.S. Code 1431, 12 CFR 226.15, 12 CFR 1026.15, 15 U.S. Code 1605, 15 U.S. Code 1635, 15 U.S. Code 1640.

The response provided by Credit Acceptance Corporation to my Notice of Rescission was immaterial. Let me emphasize 15 U.S. Code 1635 ( 4 ) Applicability to indicate that the consumer credit transaction referenced is indeed able to be rescinded. 
This consumer credit transaction is not partied with an agency of the State nor is it a residential mortgage transaction. Also this credit consumer transaction was indeed consummated after XX/XX/1995. These reasons will render the referenced transaction the ability to be rescinded, subsequently placing liability and violations on behalf of the Credit Acceptance Corporation. 

Let the record show that there are various errors in the Finance Charge. Credit Acceptance wild be held liable for sai

d errors. Please visit 15 U.S. Code 1605 when r
eferencing this list of errors found in the Finance Charge.

1. Finance Charge did not include premium for Insurance.

2. Finance Charge being the sum of all charges payable yet Finance Charge reads {$10000.00} in contradiction to Total Sale Price of {$26000.00} and {$13000.00} itemized.

3. Coerce consumer with fraudulent bills to pay principle which is not included in the Finance Charge.

4. Cash down payment included in Finance Charge in referenced consumer credit transaction. 

Please be encouraged to have your legal team thoroughly review the cited laws prior to responding. This is the final attempt at resolution outside of Federal Court.
Product: Credit reporting, credit repair services, or other personal consumer reports

I viewed my credit report and saw an old bankruptcy that should not be reporting. Chapter XXXX bankruptcy XXXX. Filed on XX/XX/2015. Reference number : XXXX. Court : U.S. Bankruptcy Court. My XXXX Report is frozen and can not be accessed. So XXXX, XXXX and Experian claims this was verified by the US Courts ; however, the courts states they have not verified or validated any bankruptcy and if I am being told this occurred, it is a violation of the law. The bankruptcy was dismissed and XXXX and there should be no incorrect information. If there are any inconsistent information such as accounts still showing open or a balance due, the bankruptcy has to be removed due to reporting inaccurate information.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I paid off a charge card for XXXX, XXXXXXXX XXXX. I ask that the card be cancelled. I was told that it was canceled. I received a bill from them in XX/XX/XXXX that I owed them for finance charges. I notified them both by telephone and XXXX that this account was closed and I should have no further obligations to them. In XXXX of XXXX I was informed on my credit report ( Trans Union ) that the account was derogatory, and or in collections. I started a dispute. Several of them up to present day. I discovered this account was sold to XXXX XXXX. I contacted them, they performed an investigation and found me in good standing. I was sent a letter from XXXX XXXX stating they could find no wrong doing on my part. I forwarded this letter several times attached to my dispute to Trans Union. I also made several attempts to contact XXXX XXXX. They told me over a year ago it wasnt their responsibility to remove this off my credit report. It was XXXX responsibility since they took over for collections. 
XXXX told me it was XXXX responsibility because they initiated the report. 
Now XXXX unable to reach XXXXXXXX XXXX and neither has Trans Union. 
I need your assistance to resolve this matter. Ive done nothing wrong. I feel that Im being taken advantage of by the Creditor, XXXX XXXX XXXX XXXX 
I paid this card off and it was stated in the investigation by XXXX XXXX. 
I have the right to have this removed immediately from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair 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 XXXX XXXX. XXXX 15 U.S.C. 1681 section 602A. States I have the right to privacy.

15 U.S.C. 1681 section 604 a section 2 ; it also states, 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 reporting containing any of the following items of information, any other adverse items 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 a reasonable cause to believe that information is inaccurate.
Product: Credit reporting

A collection company has put an adverse account on my TransUnion Credit report. The collection agency would not help me to resolve this account ( as it was paid in full directly to the provider back in XXXX XX/XX/2011 ). I submitted all necessary information for TransUnion to directly contact the provider who can show full payment on this account. TransUnion will only contact the collection agency to verify accuracy of the adverse account ; which they continue to say is accurate. The other XXXX credit agencies have removed this account from my report. I am at an impasse on this issue.
Product: Credit reporting or other personal consumer reports

As of XXXXXX/XX/year>, XXXX began billing me for an alleged XXXX loan I, XXXX XXXX : Beneficiary allegedly owe. However me being the beneficiary it doesn't benefits me to repay an alleged loan. I am writing to address the matter of the student loan debt associated with my account. I am the beneficiary of the XXXX XXXX Living Trust, and repaying this student loan debt is not beneficial based on a careful consideration of various factors. 

Firstly, I would like to draw attention to the etymology of the word " repayment, '' which implies paying again. As a beneficiary of a living trust, it is my understanding that repaying an alleged loan would mean paying twice, which does not align with the equitable principles that govern trust relationships. Everything is a trust. How? Because everything is an agreement and if anything has my name on it thats a legal title of my estate. Now lets look at the work credit which means trust. Now lets look at the word report which means property. My credit report is my trust report which is my property. 

Furthermore, the maxim of equity states that equity does not punish. Repaying an alleged loan, particularly one that may not be legally enforceable or valid, could be perceived as a form of punishment. Equity regards the beneficiary as the true owner, and the trustee is obligated to uphold their duties in settling the account. 

Considering the aforementioned principles, I kindly request the following actions : Account Review : I request a thorough review of the alleged student loan debt associated with my account in light of the trust relationship and equitable considerations. 

Account Settlement : If the debt is found to be valid and legally enforceable, I request clear instructions on settling the account. As the beneficiary, I trust that the trustee will uphold their duties to settle the account. 

Removal from Credit Reporting Agencies : I request the immediate removal of any adverse reporting related to this alleged debt from credit reporting agencies, as it is not beneficial to the beneficiary 's interests. You're furnishing this information to the credit reporting agencies which makes you the trustee. If you're not the trustee then you're a stranger. Its three parts to a trust. Trustee, settlor, and beneficiary. If you're not the trustee then you need to hand me my property back. 

I appreciate your attention to this matter and look forward to a fair and equitable resolution. If there are any specific procedures or documentation required to facilitate this process, please provide them at your earliest convenience. 

Thank you for your understanding and cooperation.
Product: Mortgage

Over the past 11 months MSF Servicing has misapplied at least on 3 occasions my bi-weekly payments. They have at least 3 times tried to state that I owed them more money and have recently in XXXX showed me being more than 45 days late when I have faithfully every 2 weeks made my payments to them. I have spent countless hours on the phone and sending emails as such and they never have the answer or ever call me back. The customer service team tells me they can't do anything & it has to go to management & that they will have someone call me which NEVER happens. All of bank statements are attached to prove my case.
Product: Credit reporting or other personal consumer reports

Due to your violations, I will take legal action and submit a complaint for small claims for default judgment, which allows up to {$1000.00} per violation. I am requesting an ALLEGED DEBT to be VALIDATED, pursuant to the Fair Debt Collection Practices Act ( FDCPA ) validation of debt section, 15 USC 1692g. I also demand a request for accounting of this alleged debt, pursuant to the Uniform Commercial Code, UCC Article 9-210. Therefore, I demand validation and verification of the alleged debt. Unauthorized Accounts include the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im accordance with the fair credit reporting act XXXX account XXXX and 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 or other personal consumer reports

It has been drawn out into the open that you are not hindering records 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 Balance Owed : {$130.00} XXXX XXXX XXXXXXXX Balance Owed : {$1100.00} XXXX XXXX  Bankruptcy XXXX Date Filed/Reported XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion credit reporting keeps dropping my score. On XX/XX/XXXX they drop my score 6 points because 3 old accounts were removed. On XX/XX/XXXX I pay off two accounts totals of {$800.00} and one was removed XX/XX/XXXX and the other its still showing on my account as unpaid, and my score hasn't changed.. I'm getting emails for credit monitoring service from this company. This is not the first time this has happen, I have to watch my credit like a hawk or they lowering it for no reason. This is unfair and I'm sick of it. Unfairly reporting and than the nerves to send emails offers to correct or improve your score. This seems to be a practice of theirs I put in an complaint for the same reason in XX/XX/XXXX. They also have me as 5 years in credit age nothing could be father from the truth Ive had credit of some kind for at least 30 years. It seems that they trying to keep my score under 750. My payment history has been 99 % for more than a year.
Product: Mortgage

In receipt of letter dated XXXX XXXX XXXX from Bank of America. I respond as follows : 1. I never made any request to have the address changed. When you change the address you have to sign for it with the post office. 
2. You provide copies of everything except proof from the postal service that a change by me or XXXX XXXX was requested. 
3. If an address change was requested, then why were the mortgage statements, 1099s, and other correspondence from BOA still coming to XXXX XXXX XXXX, XXXX, Va XXXX? 
4. In XXXX, when I spoke with your Bank rep, in search of my 1099 to file taxes, he said the address had been changed to XXXX XXXX XXXX, XXXX, Indiana. Please note that the first part of the address is the property address and the city and state portion of the address are where XXXX XXXX currently resides. This looks suspicious. 
5. In your response to the XXXX  inquiry, you admitted in your response that I was a victim of " fraud. '' I never requested to change the address. I will swear to this in any court of law. Please provide the proof. I think you are not being truthful, but I know your security and access logs for that account will tell the truth. Will you provide the access and security logs for the XXXX  - present? If you are being truthful, then the access and security logs for this account will reflect that. Please let me know if i have to create a formal request and mail it to the address located in your letter dated XXXX XXXX XXXX
Product: Checking or savings account

In 2017 XXXX  ( the bank i was previously with ) failed. I was sent a statement for overdraft fees from a credit building plan i was unaware of. I was given a number to a bank I never did business with named First Citizens Bank. I have contacted/been inside this bank to pay them over over 10 times since 2017. My issue is they wont allow me to as they seem to not know who I should pay. This has caused me duress with my XXXX  reporting for a very long time. 





XXXX : XXXX Account : XXXX Date of closure : XX/XX/2017 Charge off amount : {$140.00} Old Bank Name : XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX Phone number : XXXX New Bank Information First Citizens Bank XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a follow up complaint to you today to inform you regarding my case of being a victim of fraudulent activity. Per FCRA section 605b Credit Reporting Agencies are required to remove any items listed on an identity theft report with reference number XXXX. Please find the ATTACHED documents to assist in the removing of the erroneous personal information and inquiries which were being posted to my report. Here is the list of items which were opened without my permission : EXPERIAN : XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX XXXX XXXX # XXXX XXXX, NY XXXX XXXX  XX/XX/XXXX -- -- -- -- -- -- XXXX : XXXX XXXX XXXX XXXX XXXX , NY XXXX XXXX XXXX XXXX  XXXX XXXX, NY XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any items in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.