23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am not liable for the debt with Collage Ave. I no longer have a contact with College Ave. This is a violation of my privacy and tarnishing my reputa

tion - 5 U.S.C 1681 SECTION 602 A. States I have 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 consent. 

This was also reported to the XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # XXXX XXXX XXXX {XXXX} SEE ATTACHED Greetings, This is a formal complaint against Financial Data Systems Inc for furnishing information to XXXX XXXX, and XXXX. Please note that this company has over 800 complaints that are active with the Consumer Financial Protection Bureau. Additionally, this company has 41 complaints with the XXXX XXXX XXXX. This company has fraudulent behavior and I demand that these accounts be removed from all three credit reporting agencies which include XXXX XXXX XXXX XXXX  The actions of Financial Data Systems Inc violate the FDCPA, FCCPA, FCRA, Libel/Defamation, and Invasion of Privacy of the FCRA. In addition, it is negligence and willful intentional infliction of emotional distress against the Complainant. The following documents submitted outline the unlawful conduct and actions of Financial Data Systems Inc in their question to damage my credit standing based on XXXX XXXX XXXX motivation and retaliatory tactics for filing a complaint against Financial Data Systems Inc with the North Carolina Office of Financial Regulation. Financial Data Systems did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above-named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file a suit against the credit bureau responsible for reporting this violation. I urge you to take this extremely seriously as I have documented my case without error. I encourage response from you expeditiously. 

Please review the following attachments. 


Sincerely,
Product: Checking or savings account

I had been banking with Chase bank since 2018. On XX/XX/XXXX, my current checking account was frozen due to suspicion of fraud. I contacted chase fraud department and they informed me it was frozen due to a personal check in my name, written to myself, drawn on another account in my name. I informed them that I personally had never ordered checks for my account and the account that it was being drawn on and to be deposited to were not mine. There were multiple accounts within Chase that were opened in my name that I had not opened. Additionally, there were accounts closed and charged off in my name that I also have not opened. I have had numerous accounts recently found to be opened fraudulently in name, including bank accounts, credit card accounts and personal loans.
Product: Credit reporting

I had a hospital visit where I saw several specialists. All medical providers billed me properly to the correct address. The XXXX company who did not, XXXX XXXX, sent communication to the wrong addresses and never reached out to me otherwise ; the company has documentation of using the incorrect address, none of which are addresses my insurance provider, the hospital, nor myself have ever used. XXXX XXXX seems to have several addresses mixed up into XXXX which created the communication error. They did however have my phone number and never used it to contact me and instead sent me to collections over {$8.00}. When I reached out to the collection agency, they were very rude and aggressive. The company, ATG Credit, refused to give assist me in a professional manner and also hung up on me. I then contacted XXXX XXXX and spoke with XXXX who said they would reach out to ATG to have my account pulled back to the XXXX XXXX to get this discrepancy rectified. The communication between both companies happened on XXXX XXXX, 2015. Since then I have not received any follow up and ATG has reported my account as Key Derogatory yet again. I have paid them the {$8.00} owed as I would have paid it if I was billed, but this is still on my report and the company did not hold up their end of the arrangement to remove the inaccurate credit infraction completely as if it were never there. IT should not have been there in the first place.
Product: Payday loan, title loan, or personal loan

Dear Lender, After doing research regarding Internet payday loan laws in the State of Washington, I have found that your Internet payday loans are actually illegal. I have been in contact with Washington State Department of Financial Institutions and they have verified that your company is not licensed in Washington, therefore the loan contract I have with you is not valid. Although I am not legally required to do so, I am not willing to repay the principal balance of this loan, I received a deposit of {$750.00} on XX/XX/2018. The amount on the loan agreement is incorrect. It has the amount of the loan as $ XXXX.Which is not what was deposited into my XXXX XXXX XXXX XXXX account . falsifying a document is a crime punishable as a felony.
Product: Bank account or service

On XX/XX/XXXX2015 I ordered, via XXXX, a XXXX article subscription of the XXXX XXXX for XXXX. This came though my XXXX account which is not my default email program which mean I do n't look at it unless necessary. 
Then on XXXX/XXXX/2015 that XXXX XXXX subscription turned into a, unbeknownst to me, {$15.00} a month subscription. This was reoccurring so before I could notice another charge incurred on XXXX XXXX, 2015. 
When I figured this out, I attempted to unsubscribe from that which I never subscribed to in the first place. The form required a user ID and password for the subscription. This I did not have because I was not a subscriber to the XXXX XXXX. Moreover, the XXXX Kindle {$1.00} payment did not required the set up of a user ID or password. That 's not the way Kindle subscriptions work. 
As a side note I should have known this was a scam because the subscription process required an email address where I submitted my XXXX address. I say this because all Kindle subscriptions come to my Kindle via XXXX Kindle account. 
I did not subscribe to the XXXX XXXX digital newspaper for {$15.00} a month. Nor have I ever subscribed to the XXXX XXXX for a monthly digital subscription. This was a bait and switch by the XXXX XXXX via XXXX Kindle. Buy a XXXX article subscription for {$1.00} that turns into a {$15.00} month subscription. 
I contacted Bank of America and filed a dispute. Then Bank credited my account a total of {$31.00}. And then reversed that credit. I called the bank and they told be that was going to be taken care of and that my account would be credited for the total amount. 
Then I checked my account and the amount of {$31.00} was not credited. 
It appears to me that BOA is siding with the XXXX XXXX. This is a rip off. The XXXX XXXX went through my XXXX Kindle and gave a {$1.00} offer for XXXX articles and then somewhere in the fine print ( read on a XXXX inch screen ) that {$1.00} dollar turned into a reoccurring {$15.00} charge on XXXX XXXX, 2015 adding up to a total of {$31.00}.
Product: Checking or savings account

I was charged a Negative Balance for a checking account I had last year.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im mystified all this time. I have no idea what is going on over there at the CFPB. Ive submitted this same complaint 2nd time already. You claim Im not the one submitting it. This to me is unbelievable. So Im submitting it again hopefully this is for the last time. Equifax has not been complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below were opened fraudulently & without my knowledge, consent, or authority. I provided them with documents that established this legal issue but they have disregarded these documents. They claim they verified the accounts without providing me with any legal documents, contracts, or verifiable proof they were opened by me. They are adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked or removed from my credit file per FCRA. Below are the accounts that need to be removed : XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

This Credit Card XXXX name XXXX XXXX XXXX continue to harass consumer by doing illegal events and tactics to disrupt other credit bureau agencies. I have made my points very clear before and have asked for XXXX XXXX XXXX XXXX XXXX Department over the months. They have not produced or provided me with such legal counsel office direct contact information. 

They are still doing illegal events and tactics with Equifax Credit Bureau and XXXX in placing such negative information on my credit profile to cause issues in nature to my credit profile. 

XXXX XXXX XXXX and Equifax have had enough time to gather their evidence and send such to me through this forum or panel. 

Therefore with this complaint resubmitted and on the official and legal record both should be able to send me the written contract signed by me as well as any proof saying that something is wrong with my address, etc. 

I have disputed this once before with XXXX, XXXX XXXX XXXX, and Equifax for all three are in this together and all three should be able to produce such communication from the Internal Revenue Service and myself giving them authorization and my consent to be tampering with my credit profile. 

In response to this, I want their legal counsel information so that this legal matter can be taken to court to address these issues for this has gone too far. 

All three should be held liable for all attorney fees and court fees. 

I want a copy of all three credit bureau reports to be sent to me through this forum or panels as well and you to have my consent to produce and provide such to the Consumer Financial Protection Bureau before going into court regarding this legal matter of credit issues and character. 

XXXX has been paid and this account or issue is not in delinquency. 

I have too much proof and records to validate and support this complaint. It is all on the Consumer Financial Protection Bureau 's XXXX. 

They are in clear violation of the Federal Debt Collection Act under section See XXXX XXXX Code Chapter XXXX, should I say more here... 

CEASE AND DESIST and get off my personal information and off my credit profile for, I don't owe anyone anything. You owe me MY PROPER RECORDS under the exact PROPER RECORDS, I am demanding here. 

A credit card company is not entitled to get any of my income tax records or anything that I have not consented to. Show where I have consented to you to obtain any such official and legal records. You should have all the Department of Veteran Affairs records that I signed off on for you to get for your official and legal records. Where are they?
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified items listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat these items are being reported correctly? Who verified these items? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified. Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non- complying with the FCRA . Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the companies directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THESE ITEMS? I believe you have not verified these items based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( XXXX ) ( A ) & I will be seeking a legal remedy. DOVENMUEHLE/AMERIS BAN XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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 got an alert on my credit monitoring that a foreclosure process was initiated and that is incorrect. They stated that it was a mistake, but my credit has taken a HUGE hit due to this and I want it corrected immediately and my credit restored. I have excellent credit!
Product: Credit reporting

I have been unable to obtain an Experian score and I 've contacted them twice and have been told I have a score yet I ca n't pull it up?!
Product: Vehicle loan or lease

OnXX/XX/2021 I was involved in a crash caused by XXXX XXXX Police. They Collided into my car on both sides, busted out my windows and pointed big guns at me, They said the reason for this was because they thought I was a suspect they were looking for. They didnt provide with me a case number. I didnt know until after I was supposed to be given one. Since I didnt have a case number I was stuck with the damaged car. Im only XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm filing this complaint to the credit bureau in order to notify them AGAIN that I was a victim of identity theft. I want to challenge any improper items that are appearing on my credit record, but it looks like the credit bureau could care less. I require the materials to be taken out of my file as soon as possible because this is a flagrant breach of FCRA laws. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX MI XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XX/XX/2022 ; XXXX XX/XX/2022.
Product: Vehicle loan or lease

date 2019/monthly unknown/no action taken by the company. 

According to the Fair Credit Reporting ( FCRA ) Section 605B it is illegal to report information on my credit report without my permission. Please remove this item from my credit report.

1. Inaccurate Reporting under the FCRA ( 15 U.S.C. 1681e ( b ) ) Under 15 U.S.C. 1681e ( b ), creditors and furnishers of information are required to report accurate information to credit bureaus. If the repossession was inaccurately reported, for example, if the original delinquency date is wrong or the account status was not updated properly, you can dispute it as an inaccuracy.

The FCRA also requires creditors to conduct a reasonable investigation when you dispute an item, and if they find that the information can not be verified or is incorrect, they must correct or remove it from your credit report.

FCRA 605 ( b ) Requiring the Removal of Certain Information Under FCRA 605 ( b ), you can request the removal of a negative item ( such as a repossession ) from your credit report if it is found to be inaccurate or if it is outdated according to the reporting rules.

Key Provisions of FCRA 605 ( b ) : Time Limit for Reporting Negative Information : Under FCRA 605 ( a ), most negative information ( such as repossessions, late payments, bankruptcies, etc. ) can only stay on your credit report for 7 years from the date of the original delinquency. If the repossession is older than 7 years, you can use this provision to argue that the negative item should be removed.

Section 605 ( b ) Specifically : This section allows consumers to request that a credit reporting agency remove any item of information from their credit report that can not be verified as accurate. If you dispute a negative item ( like a repossession ) and the credit bureaus can not verify it as accurate within the 30-day dispute window, they must remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX Charge Off/ Collections, and Late payments Reporting of late payments or transaction history are illeg

al 15 U.S. Code 1681 ( A ) ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) -report containing information solely as to transactions or experiences between the consumer and the person making the report ; Once there is a Charge Off a 1099C needs to be given to the consumer, which I have not received. 15 U.S. Code 1605 A ( 5 ) Premium or other charge for any guarantee or insurance protecting the creditor against the obligors default or other credit loss. A charge off turns into income and should not be reported on a consumer report.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX  debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXX XXXX and would like for all listed account to be blocked and deleted company information from TransUnion. 

Please delete the following accounts XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my XXXX, XXXX and Transunion consumer report and I noticed some accounts that should be EXCLUDED from my consumer report : XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX ( XXXX yrs, XXXX mos ) XXXX XXXX XXXX XXXX - XXXX XXXX, XXXX ( XXXX yrs, XXXX mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital one bank USA -10/05/2017
Infiniti financial S - 06/23/2017
Fingerhut/Webbank-05/03/2017
Carmax auto finance 04/20/2017
Capital one bank USA 03/05/2017
Badcock home furniture 02/10/2017
Premium motors lauderdale 02/08/2017
Carmax auto finance 11/16/2016
Capital one bank USA 09/30/2016
Carmax auto finance 09/05/2016
Citibank na best B 06/07/2016
Motor house inc 06/06/2016
Credco 06/06/2016
Discover Bank 06/03/2016
Carmax auto finance 05/26/2016
AT&T services inc 05/07/2016
Capital one bank USA 04/20/2016
Carmax auto finance 03/10/2016
Product: Credit reporting, credit repair services, or other personal consumer reports

You continue to show XXXX XXXX on my account and it shows a balance of {$120.00} when in fact it has been paid in full for months. 

XXXX XXXX XXXX Opened XX/XX/2015
Product: Credit reporting, credit repair services, or other personal consumer reports

In reviewing my credit report, I suddenly I notice that there was an error. The report is not 100 % accurate and would like your agency to take an action. I listed below the item with discrepancy : XXXX XXXX / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX XXXX  / XXXX / {$0.00} XXXX / XXXX XXXX {$0.00}
Product: Vehicle loan or lease

to who it XXXX concern XXXX XXXX XXXX XXXX made all of XXXX payment and they are charging me extra XXXX saying it is for the principal wich i pay all ready in the last payment my balance.
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. Please remove these accounts within 4 business days and also refer to documents attached.
Product: Mortgage

Wells Fargo offers online account management that does not notify of any payment problems on the account management page, or payment page. Late fees are allowed to accumulate for two months until they are significant. Only then, do these issues show up on the online account management page. Options for clearing these issues are vague, as the loan payer is not presented a 'catch up ' option, only 'next payment due date '. Still, the company does not improve their web based mortgage management to show that there is a concern. If a credit card company can let me know in seconds that there is an odd charge on my account, why not Wells Fargo??
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 around XXXX XXXX  I received an alert from XXXX XXXX  and XXXX XXXX about a new hard inquiry which i do not recognize. It was made to XXXX  by Barclays Bank Delaware. I have not solicited any credit services since XX/XX/2020. I tried contacting this bank via phone at XXXX but was unsuccessful after waiting on hold for 2 hours. I already placed a frod alert through XXXX  to all 3 credit bureaus. Since i was unable to contact barclays bank delaware, i need a report from ftc so that XXXX  can remove the fraudulent hard inquiry from my credit report.
Product: Debt collection

I told the company that I dont owe them and that they should stop harassing and calling me four times a day. I do not Owe the any money. and they should leave me alone. they got rude and started cursing and I hung up. They called right back several times. I dont owe any Debt to them.
Product: Credit card

I do not remember a charge of XXXX from XXXX. I let Citi bank know. What do you know they play the same ticks as always. I have over XXXX USD of disputes I have asked them to take care of. I am so upset that they keep on breaking the law it makes me sick. I get a letter saying they are doing an investigation and than a email stating that they closed the case because they did not get the information I had my friend mail XXXX and emails I sent. So they closed the case. Why is it out of my XXXX banks these flakes and frauds do not provide the service of communication with their clients? As stated several times now, they do not answer my emails, phone calls, or call backs. They do not follow the law by giving me a fair and honest case they just close without cause and say they never got my docs. This is of course false and it does not make sense. 

I hope these clowns get a full investigation on how this are XXXX their local clients and not giving a fair chance at all. They close disputes with the docs in hand. I have proof of this with my prior disputes and also that they write to my address in the US thatXXXX decided to do a investigtion and now they close the case as I stated they would with all of the docs i have sent.
Product: Mortgage

Received a letter back in XXXX that my escrow was short. I sent a check for XXXX and my payment would be XXXX. I did send that amount, and received the statement showing they put the escrow of XXXX towards escrow, yet they kept my payment at XXXX. 

Please view the exhibits that I attached in this email. I would like confirmation that my payment is XXXX