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

In Accordance with the Fair Credit reporting act these accounts have violated my rights : ( 15usc.1681 section 604a section2 ) & 15USC 1681 602a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FIN XXXX XXXX XXXX XXXX XXXX XXXX XXXX *15USC 1681 section 602a states i have the right to privacy & 15 USC 1681 section 604a section 2 also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

Starting in XX/XX/XXXX approximately {$26000.00} was stolen from my American Express National Bank Savings Account. I did no receive any monthly statements. In XX/XX/XXXX I notified the bank of this situation. The bank denied my claim except for transactions occurring within 60 days prior to my XX/XX/XXXX notification. 

On several ocasssions I requested the bank send me the documents they relied upon in denying my claim pursuant to 12 CFR section 1005.11 ( d ) ( 1 ). Despite my written and oral requests no documents were sent me. 

In XX/XX/XXXX pursuant to the customer agreement I sent a letter by certified mail to American Express ADR requesting dispute resolution ( mediation or arbitraton. ) As of the date of this complaint I have heard nothing about this request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including several bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. 

XXXX XXXX {$4300.00} XXXX  XXXX   XXXX {$2600.00} XXXX  XXXX  XXXX {$780.00} XXXX XXXX  XXXX {$120000.00} XXXX  XXXX   XXXX {$120000.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00} BANKRUPTCY CHAPTER XXXX-DISMISSED XXXX {$0.00}
Product: Checking or savings account

ON XX/XX/2022 I received an email from my banking institution, saying *unable to open your account online* which I never call or try to open any account ( Bank Of America )
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to Equifax, XXXX and XXXX about these false negative accounts on my credit report last XX/XX/2021. They sent my documents and letters on my behalf, and it was determined that the credit furnisher was verified. They removed it on Equifax but they were not able to remove it on XXXX and XXXX. These report is misleading and suspicious. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person. These report is misleading and suspicious. Below are the federal law violations that these companies are committing! If this doesn't get resolved I will seek litigation, and charge {$1000.00} per violation. 

However All Under penalty of perjury, I swear this account is false and misleading Under 15 U.S.C. 1681i ( 7 ) Method of verification this account is in violation it was reported without valid evidence Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. 
Unauthorized/Erroneous Account RESULT OF The Equifax Data Breach Direct Violation of The FCRA Reporting falsely Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction.

Contacted Creditor/Agency asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me. 
Under the Fair Credit Reporting Act this disputed item may not appear on my credit report if it can not be supported by any evidence. 15 USC 1681.
Product: Mortgage

Account # XXXX To whom it may concern : I am a borrower with a residential loan from Fay Servicing LLC in default.

As for now Fay Servicing Is currentlydual tracking my request for a loan modification, while simultaneously  proceeding towards a foreclosure sale date XX/XX/2018 which I believe is a violation of Cal. ( Civil Code 2923.6 ( c ) - ( d ), Section 2923.6 ( c ) addresses the problem of dual tracking, in which financial institutions continue to pursue foreclosure even while evaluating a borrowers loan modification application.
Product: Credit reporting or other personal consumer reports

A XXXX XXXX collection account Amount {$160.00} is reported on my XXXX, Experian & XXXX XXXX Credit Bureau reports since XXXX XXXX.I have forwarded a Police Report on Stolen Identity dated XXXX XXXX to XXXX XXXX, but this account is still reflecting on the Credit Bureaus reference XXXX
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach. As a result, I am requesting that the following accounts and inquiries be immediately blocked and deleted from my credit report, in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). These accounts and inquiries are a result of unauthorized activity and should not be listed on my credit report. 
Accounts : 1. XXXX  o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$420.00} 2. XXXX  XXXX o Account Number : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} 3. XXXX o Account XXXX : XXXX o Date Opened : XX/XX/XXXX o Balance : {$0.00} Inquiries : 1. XXXX XXXX  o Date : XX/XX/XXXX 2. XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX 3. XXXX  o Date : XX/XX/XXXX 4. XXXX XXXX o Date : XX/XX/XXXX 5. XXXX XXXX  o Date : XX/XX/XXXX
Product: Debt collection

This collection company which I have " NO Contract '' with is in violation of the FCRA. National Credit Systems , Inc have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA. 
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4. 
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists. 
If you can not provide any agreement between us from this day XX/XX/2023 forward, you agree to pay my fee of XXXX usd for contacting me without my written consent. I will also file harassment and identity theft charges. 
Please delete this account immediately from all three credit reporting agencies.
Product: Credit card

I have CareCredit card that I paid off XX/XX/2024, and I did not receive any communication from Synchrony Bank until last week, saying I still owe a balance of over {$3000.00}. I made an electronic payment of {$3300.00} XXXX and it posted to my bank account XXXX. I called Synchrony Bank and they asked me if I " received a check in the mail '' for the amount I paid. I never got any communication from them since XXXX, and I got 2 text messages this week, showing I have an outstanding balance of {$3000.00}, as well as a missed payment. However, I can't access my account, as it was closed. They also told me I never signed up with their online service, which I know is wrong. I always use online services to manage my credit accounts. They claim itis because of a refund check they sent me, but I either never got it or never cashed it. I am on the phone now with them and they are giving me the runaround, and not crediting my account properly. I know they have had issues in the past with Consumers, and I hope you can look into this.
Product: Debt collection

I have been in contact with this company and have asked that they remove this account from my credit report. This account is currently in a lawsuit and by law must be removed until this matter is settled. I have I identified below the laws regarding this issue. 

ACCOUNT NAME- BRIDGECREST ACCT # XXXX 15 U.S.C 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 602 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

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 U.S.C. 1681, 15 U.S.C. 1601 sec. 802 Fair Debt Collection Practices Act, 18 U.S.C. 1028 Identity Theft & sec ( A ) Aggravated Identity Theft, and Breach or violation of required contract. 

( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX / Account Number:XXXX ), ( Account Name : XXXXXXXX XXXX / Account Number : XXXX ), ( Account Name XXXX XXXX XXXX / Account Number : XXXX ), ( Account Name : XXXX XXXXXXXX XXXX / Account Number : 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 ) ( 2 ) : States a consumer reporting agency can not furnish a account without my written instructions.

- 15 U.S.C. 1681c. ( A ) ( 5 ) : 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 7 years.

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

- 15 U.S.C. 1601 Section 802 ( A ) : States Abusive debt collection practices contribute to the number of personal bankruptcies, to marital instability, to the loss of jobs, and to INVASIONS of INDIVIDUAL PRIVACY.

- Breach of Contract States that whenever a party who entered a contract fails to perform their promised obligations, the remedy is monetary damages. In which I did not receive. 

- 18 U.S.C. Sec. ( A ) : States, whoever knowingly transfers, possesses, or uses, without consent, a means of identification of someone shall, in addition to the penalties for the felony, will be sentenced to imprisonment of 2 years, or five years for terrorism.

XXXX XXXX XXXX XXXX I am NO LONGER the OWNER of this item. As the lean and item was Purchased and auctioned/sold by XXXX XXXX XXXX XXXX XXXX NV XXXX " I AM NO LONGER RESPOSIBLE FOR THE SAID DEBT. '' [ Creditors transferred and/or sold my personal sensitive information to third party entities without my knowledge or consent, which on ALL parties is Aggravated Identity Theft and Breach of Contract. My rights to privacy was also violated by all initial contractors whom I entrusted in " GOOD FAITH. '' ]
Product: Debt collection

Credit Acceptance Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MI XXXX account information : XXXX form : XXXX date : XX/XX/2015 I XXXX XXXX totally disagree with this charge, espcially with Credit Acceptance reporting {$3300.00}. I never receive a form from them, I been trying to fix my credit, I believe this is for Car loan that I never had, I had file a dispute a year ago to get this of my credit report. 

This Credit Acceptance are charging the wrong person, or someone had use my Social Security number for this, by all means I entitle CFPB to investigate in order to remove this account from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened an Bank XXXX Checking account in branch with an associate around XX/XX/XXXX. There was a {$300.00} referral bonus. I completed all the requirements such as making three direct deposits, minimum {$1000.00} debit card spend and was expecting a bonus. Around second week of XXXX I was locked out of my account citing Fraud. This is not true. There was no fraud they just closed my account. I never received {$300.00} bonus for completing the requirements.
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

My Equifax credit score is impacted by an error causing my score to be XXXX to XXXX points lower than what it should be. 
A false remark stating that I dispute the information of one of my XXXX account keeps showing up on my report when there is no such dispute. I do not dispute anything. 
Still it is the 4th time the following happens : - I notice that my equifax credit score has dropped suddenly from Excellent to Fair on just one day - I see on XXXX that the only change that occurred is that a remark stating that I dispute my XXXX credit card account information has been added- I call equifax to remove this erroneous remark since I have not filed any such dispute. They say it is an error and it should be removed in 72hrs. 
- the remark is removed and my credit score immediately goes back up to Excellent ( gains about XXXX to XXXX points ) - a few weeks later, the cycle starts all over again. The remark resurfaces. My credit score drops, I spend hours on a call with Equifax support explaining the issue again, they remove the remark, credit score goes back up, remark comes back several weeks later this has been going on for over a year. Each time they say the remark wont come back. 
I also contacted XXXX and they say they are not responsible for triggering the dispute remark, cant do anything about my credit score and claim that only Equifax can solve this. 
I am in the process of home buying and for mortgage purposes, I cant afford to have my credit score being wrongly affected by those unfair drops when my credit is actually in excellent standing. I already was denied a lease on an apartment last year because I had not realized that my credit score had again dropped before submitting my rental application Here is the reference provided by the representative on my last phone call to Equifax : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equitable Acceptance and XXXX XXXXXXXX XXXX scammed my credit line by {$1300.00}. They said they could consolidate my loans for this amount. This happened in XXXX and I found out what they had done three months after. I did tell them to take me off the contract and they agreed but the credit line is still affecting my overall credit.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received an alert on my credit monitoring services. It states that my credit had been pulled for an auto loan. I had not authorized any XXXX or did a credit inquiry to purchase no vehicle. I called and was told to call my credit bureaus. As I called transunion they refused to remove inaccurate and erroneous information. I stated to Trans union that I have been dealing with a stolen identity since XXXX and that I have been a victim of identity theft. I advised I could provide a copy of my police report from XXXX and they refused to remove this fraud activity done on my credit report. 

The fraudulent inquiry is below XXXX XXXX XXXX XXXX
Product: Checking or savings account

I am filing a complaint with the CFPB regarding XXXX XXXX 's failure to deposit my direct deposit from my employer and any other incoming deposits. XXXX XXXX has cited technical issues, which may violate the Electronic Funds Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank You.
Product: Credit reporting, credit repair services, or other personal consumer reports

They have violated the FDCPA. They did not provide adequate validation of this debt. 
I have all communications in writing and everything was sent certified mail. I tried to upload the documents but it would not allow me to do so.
Product: Credit reporting or other personal consumer reports

I keep receiving a bill from my XXXX account. The account is ending with XXXX. The current balance as of XX/XX/ is {$450.00} and minimum payment due is {$260.00}. I have no idea where it came from. XXXX XXXX XXXX keeps sending me a bill which I have not authorized and charging me an excessive amount of interest every month. This is not acceptable. It ruins my credit score. The transaction is a fraudulent activity done by someone else. I have not purchased any items using XXXX. Please contact the XXXXXXXX XXXX XXXX XXXXXXXX XXXX to fix this issue and recover my credit score as soon as possible. 

I am a person with higher education degree and certificate. I studied at XXXX XXXX and XXXXXXXX XXXX. I only pay for what I have purchased. Thank you for your help. 

Best, XXXX
Product: Money transfer, virtual currency, or money service

XXXX  have just flat out stolen my money after their own internal error and are refusing to give it back. 

The case IDs where I actually got replies, and my final one that I assume is still open? : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was selling my work through a vendor XXXX XXXX XXXX XXXX XXXX XXXX XXXX a payment was made in the XXXX by a XXXX resident. It was made using XXXX  and was supposed to be made through PayPal ( who own Venmo and pay their international payments ). Its supposed to be impossible to pay through XXXX in XXXX, XXXX. My products were bought and the confirmation went through and we let the customer leave. 

The payment was not made through PayPal. We could not access the funds. Id lost the equivalent of XXXX weeks pay. 

The vendor tried contacting XXXX. They were forced to buy a digital XXXX phone number to open a XXXX  account out their own pocket, and the payment was made into the account before the time ran out and we lost it forever. They then werent allowed to access the funds because they dont have a XXXX XXXX  account - which XXXX  knew, because wed told them multiple times that this was the original issue I then took over as the person actually loosing the money. After A LOT of back and forth, I finally managed to get the funds released into my account via cheque ( XXXX XX/XX/year> ). This would take up to XXXX weeks to arrive and theyd have to close my account to do so ( apparently this is the only way, despite being owned and apparently operated by PayPal, who I use daily ) Anywho, its been three months and no cheque and no one in XXXX  will answer any more emails. 

Ive had XXXX reply so far ( XXXX XX/XX/year> ) that has just said that my account has been closed and they cant access the info, and then didnt respond when I said that they dont need to access my account because Im asking for confirmation of an outgoing payment which will be in their financial records. ( I got one other reply asking for my account details, which I dont have, because they closed my account, thats why Id contacted them and told them that was why Id contacted them ) Anywho, they now arent replying at all and I am still two weeks wages down. 

Theyve just flat out stolen my money and are refusing to give it back.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following inquiries listed are unknown and unauthorized. I have called the bereaus and requested that they remove with no response. FCRA violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

I am a victim of Identity theft XXXX Police Number XXXX I submitted in my police report that was taken by a police officer and provided it to all XXXX credit bureaus as it relates to XXXX XXXX Account Number XXXX account was removed however a collection agency placed themselves on my credit and the credit bureau nor the collection agency has failed to remove the fraudulent account from my credit. I was not contacted by the collection agency but I have contacted them and they continue to ignore me and report the account. XXXX XXXX XXXX Account Number XXXX
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 U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX 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.