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

This is NOT a duplicate complaint. There are multiple accounts under the same creditor reporting to my consumer report that I am disputing. I am representing myself. I am NOT a third party. I have also attached a photo of a utility bill and a photo of my social security card for PROOF of identity along with a report from XXXX to show EVIDENCE that this creditor is violating my rights. In accordance with the fair credit reporting act XXXX* XXXX account number # XXXX has violated my rights and 15 USC 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 an account without my written instructions. 15 USC 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. I am not a third party I am representing myself. Every piece of information on this account is NOT reporting 100 % Accurate. And according to the FRCA 15 USC 1681, everything has to be 100 % ACCURATE! I have attached a report from XXXX to show PROOF that this creditor is in direct violation in accordance with the Fair Credit Reporting Act ( FCRA ). The dates of last payment and the dates last active are DIFFERENT with all three credit bureaus. The account status is DIFFERENT with all three credit bureaus. The dates for " Date Opened '' are DIFFERENT with all three credit bureaus. And again... all of this is PROVEN in the file attached to this complaint.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> a ID theft report was filed to the federal trade commission in regards to unauthorized Inquiries and creditors on XXXX Equifax and XXXX XXXX credit reports. 

FTC report number XXXX. 

Please remove all inquiry 's creditors listed below. Idid not authorize them. XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

BANK OF AMERICA XXXX account was reported in my Credit report and I am not aware of the status of getting into charge-off. I have reached out to the agency and the credit bureaus about this issue but I am still waiting for their response longer than I have expected. On top of that, no modes of communication were done to notify me about the issue. The worst thing is that the accounts ' information was incorrect. Please look into the account and verify.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture, a bill, and and a letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under trafficking according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ). 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 have given you my identification as well as the information requested from the list of acceptable items which only 2 are required by the law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Debt collection

back in XXXXXXXX XXXX  XXXX I called all my creditors including Ikea Commenity Bank to indicate that I was in a financial hardship situation and requested a forbearance of 90days so I could try and find gainful employment. I was not able to pay my bills for several months because I needed to find another job. Since XXXX of XXXX I have called Ikea credit card several times indicating to them that I would be able to afford $ XX/XX/XXXX months which would pay the account off. I also indicated that I did not want to keep the account open. Ikea has refused my request time after time. Every time I speak to a representative I verify my phone, email and address. Ikea has always had the opportunity to write, email or call me. I have received numerous phone calls saying they will escalate this account to legal means if I do not call back or have my attorney call them. Again I have called back indicated please refer to the notes that I have tendered the following offer $ XX/XX/XXXX months and I was denied. This past week of XX/XX/XXXX I received another call from a XXXX at Ikea employee number XXXX who proceeded to degrade my financial situation and indicate that I have to pay my bills. I repeated to XXXX my offer once again $ XXXX and she said no way. XXXX indicated I do not dictate terms. In addition on this day and previous days XXXXIkea has called family, friends and their employers asking for my whereabouts when they have a solid phone number, email and address for me. Ikea has violated the FDCPA with regards to contacting a third party. I have documents showing Ikea left voice messages with the family and friends which i have attached. The Ikea credit card company calls me several times a day and every week. I indicated to Ikea if they are not amendable to my offer that there is no reason for them to continue to call or try and contact my friends and family. XXXX from Ikea basically tried to shame me into agreeing to whatever they wanted to offer me. The phone conversations that I made to Ikea were apparently recorded so if you need to request audio it is available. Ikea also indicates they would rather charge off the loan then receive any type of funds from me. This makes no sense since I would be paying the debt in full .....
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting multiple student loans on my credit report that are not accurate. I consolidated my loans and these loans need to be updated and reported accurately. I have a total of XXXX loans reporting on my credit report and this is incorrect.
Product: Credit reporting or other personal consumer reports

These Hard Inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. thanks : Name XXXX XXXX XXXX XX/XX/2024 Location XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX I have a reference number is XXXX at : XXXX. I was a victim of identity theft a few months ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX acc num XXXX shows transferred to another lender that is not true, the acount number is not any account i recall signing up for. 
on XX/XX/18 XXXX, XX/XX/18, XX/XX/18, XX/XX/18 are marked late. 

In accordance with the fair credit Reporting act fifth third bank has violated my rights. 15 USC 1681 Section 602 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 a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this account with XXXX regarding the inaccuracies that they are reporting amongst the 3 bureaus, yet they continue to respond that the information is accurate and verified. The following inaccuracies are reflected : *The date opened differs among the bureaus *XXXX  is stating account type as factoring on XXXX, open on XXXX and Collection type on Transunion ( all inaccurate and pecuniary ) *The payment history varies among the 3 bureaus ( XXXX  codes failed to pay and starts payment history in XX/XX/XXXX even though they denote the account as being opened in XX/XX/XXXX ; XXXX  reflects payment history from XXXX and all ok even though they denote the account as being opened in XX/XX/XXXX??? Transunion reflects no payment history *Midland reflects on XXXX  terms of 1 month, yet I never entered into any type of agreement or contract with them Lastly, in my most recent communication with XXXX ( see attached ), I requested an agreement that states their authority to collect on this alleged debt, an agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor, as well as complete accounting of alleged debt. XXXX did not oblige. XXXX merely sent a statement that did not reflect any comprehensive accounting. 

XXXX did not provide any credit card agreements that would further substantiate their allegation. These inaccuracies reflected among the bureaus as well as the fact that XXXX did not provide any credit card agreements warrant this entry to be removed from my credit reports.
Product: Debt collection

Fact, I became aware of my consumer protection rights approximately 2 weeks ago honestly, yet according to federal law 15 USC 1602g, I am the person who regularly extends, lawfully defined as the " creditor ''. Fact, on XX/XX/XXXX a misrepresentation of presentment was given to me in the name of a " Retail Installment Sale Contract '' from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX  XXXX. The XXXX  XXXX XXXX XXXX, as a fiduciary, he gained my trust to finance a XXXX XXXX XXXX. I was deceived by deceptive forms that were misrepresented to me which lead to a false belief that I was participating in a loan and establishing a collection of debt for a third party, EXETER FINANCE LLC. Alternatively to a consumer CREDIT transaction, I was mislead into a DEBT and a false belief that a person [ EXETER FINANCE LLC ], other than XXXX XXXX XXXX XXXX was participating in the attempt to collect a debt that I allegedly owe to such person other than the " creditor ''. 15 USC 1692j, 15 USC 1692k. 
Fact, on XX/XX/XXXX, I paid {$5000.00} USD down payment with my debit card to XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX  who told me that a down payment was required for financing which is not included in a lawful finance charge pursuant to violating the Federal Truth In Lending Act. Federal law 15 USC 1605. 
I also suffer damages when I was swindled out of my rights to reclaim my securities, so that deceitful and rogue agents at XXXX XXXX XXXX XXXX would appear to be absolved from their true CREDIT LIABILITY and TAX LIABILITIES for Selling the " Retail Installment Sale Contract '' to EXETER FINANCE LLC, as commercial paper as an implied contract which in FACT is a deceptive trade practices and prohibited transaction pursaunt to 26 USC 4975. 
Fact, on XX/XX/XXXX it was federal law for XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX to clearly and conspicuously disclose the proper forms for me to exercise my Right to Rescind in which I never received and there were never any disclosures of such before or later so no proof of consideration was given to me where it was due as enforced in 15 USC 1635 the Federal Truth In Lending Act. 
Fact I have suffered for years and the damages are beyond humane because they are commercial assaults that this auto dealership committed to in my case I have monetary injuries in the amount of $ XXXX for earnest payments to alleged creditor. Fact, on XX/XX/XXXX unfortunately I was in a collision with an uninsured motorist that totaled out the XXXX XXXX XXXX  and the insurance pay out was fraudulently collected as a debt allegedly owed to alleged creditor EXETER FINANCE LLC. which violates federal law ( s ) 15 USC 1692e, 15 USC 1692f, 15 USC 1692h, 15 USC 1692i, 15 USC 1692k, 15 USC 1601b 15 USC 1602f, 15 USC 1611, 15 USC 1640, 15 USC 1666, 18 USC 8 I have contacted the accused parties mentioned in this complaint by writing and certified mailings, however they have not complied this is my consideration to grant the opportunity to cure before I take further legal actions. I demand to be paid in full for settlement for damages in the amount of {$100000.00} USD order to pay ; XXXX XXXX
Product: Credit card

I applied for and was approved for a Concerto XXXX XXXX XXXX in XX/XX/year>. I was interested in the rewards program, as I attend many XXXX XXXX games a year, and travel somewhat regularly. The relationship got off to a bad start when the plastic card itself was delayed over a month, causing me to miss multiple opportunities to engage the reward program. Upon receipt of the card I was able to use unencumbered until the beginning of XXXX, my wife and I took a trip to XXXX XXXX Florida and I had intended on using the card to pay for Hotel. Upon check in at the hotel, the card was declined... knowing I had over XXXX XXXX dollars on my credit line open I immediately called customer service. I was told there was a known problem with transactions over {$100.00} and that they should have resolution within a week. It is now XXXX, I have opened multiple customer service inquiries with the card and I continue to receive the same " it should be fixed within a week '' answer from their team. I have missed out on numerous transactions for XXXX tickets, booking flights, etc. costing me opportunities for thousands of earned points on their reward program. This card is essentially a worthless piece of plastic that is tied to my credit score, and the company does not seem very determined to fix the issue. This has become beyond frustrating. I want a honest answer on what the problem is and a realistic time frame on when it will be fixed. I have also opened XXXX XXXX XXXX complaints against XXXX and Concerto, both were closed without resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transactions that I have made or authorize any to make on my behalf. It is the result of identity theft. 

Fraudulent Closed Accounts : Name of Institution Account Number Date Opened XXXX/XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Fraudulent Collection Accounts : Name of Institution Account Number Date Opened XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX Fraudulent Inquiries : Inquirer Name Inquiry date XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX , XXXX- XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX , XXXX - XX/XX/XXXX XXXX XX/XX/XXXX Fraudulent Addresses : XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX Please Remove and block this information from my credit report, pursuant to section 605B of  the Fair Credit Reporting Act and send the required notifications to all furnishers of this information. 


Also, update the following accurate personal information to my credit report ; Accurate Personal Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Employer ( s ) :  XXXX Phone number : ( XXXX ) XXXX Enclosed are the following : FTC Report Number : A copy of my Identity Theft Report and proof of my identity. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. 

I appreciate your prompt attention to this matter and await your reply. 

Sincerely, XXXX XXXX XXXX Enclosures : FTC Identity Theft Report Identity Theft Complaint and affidavit Police report Proof of identity : a copy of my drivers license
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am reaching out to address a concerning issue regarding my credit report and the potential violation of United States Code Law, specifically the Truth in Lending Act ( TILA ) under 15 U.S. Code 1666 ( b ) related to billing inaccuracies. 

Upon recent examination of my credit report, I have identified numerous instances of billing inaccuracies as stipulated in 15 U.S. Code 1666 ( b ), specifically under points ( 4 ) and ( 5 ) : Point ( 4 ) : The creditors failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

Point ( 5 ) : A computational or similar error of an accounting nature by the creditor on a statement. 

A specific concern revolves around the absence of timely notification, at least 21 days ( approximately XXXX weeks ) before the issuance of a statement. This oversight has led to unwarranted late payment entries on my accounts. I am requesting tangible evidence from your records that validates any claim of non-payment resulting in the reported late status, as I firmly believe this is a clear billing error. Additionally, in accordance with XXXX XXXX XXXX XXXX ( XXXX ) ( a ) ( i ), a late payment qualifies as a transaction and experience, making it eligible for exclusion from the consumer report. 

For your reference, the following accounts require immediate attention and correction on my consumer report to accurately reflect the payment status : XXXX XXXX XXXX XXXX Account number : XXXX Late Payment Dates : XX/XX/2023, XX/XX/2023, XX/XX/2023 XXXXXXXX XXXX XXXX XXXX Account Number : XXXX Late payment date : XX/XX/2023 In accordance with consumer protection laws, these accounts must be promptly updated to accurately reflect the " paid as agreed '' status. Failure to comply with this request will compel me to pursue legal action, seeking monetary compensation for the violation of my rights in small claims court under XXXX XXXX XXXX civil liability. 

Furthermore, I have already taken the initiative to escalate this matter by submitting a formal complaint to the Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission. 

I anticipate your swift attention to this matter and the necessary corrections to my credit report. Your cooperation is appreciated, and I look forward to a timely resolution.
Product: Bank account or service

Huntington bank has again double debited my checking account!! This time it 's XXXX transactions totaling {$140.00} I have printed copies of the bank statement real time before they change it in the morning, like they did before, they are able to manipulate balance, erase deposits, shift numbers around so that it would be near impossible to figure out except for a brief period where the double debits show, I submitted printed copies of my bank statement showing transactions debited twice with balance once in pending and once in completed. They will change the numbers around ( meaning removing the pending transactions in the morning ) but will not change double debited balance!
Product: Credit reporting or other personal consumer reports

I pulled my credit reports and noticed these unauthorized hard inquiries that were not initiated by me. Please remove immediately as the results of identity theft
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumer saftey.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  will not remove a closed account. I recieved a 1099-C in tax year 2019 for XXXX from XXXX XXXX XXXX for a repossessed vehicle. This amount was reported on my 2019 tax return. Uploaded 1099 C to XXXX XXXX, they removed creditor from my credit report but Equafax and XXXX  won't remove.
Product: Debt collection

I have contacted AES/XXXX several times over the past 5 years to have negative debt that they have no proven is owned by them or owed to them. I have disputed this information numerous times with Experian and XXXX XXXX and still 4 private student loans that have not been validated with proper chain of custody or assignment. These accounts are ruining my credit and preventing me from being able to purchase a home. I have a Ch XXXX bankruptcy that was uncontested and therefore XXXX XX/XX/2012. There are several lawsuits against this student loan company and there subsidiaries ( XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX ) for wrongful lawsuits that resulted in default judgments that were filed after the statute of limitations had passed and without proving ownership of said loans. I would like for this incorrect information to be removed from all 3 credit bureau reports and XXXX XXXX report. The following is the information showing for the loans as of date. The duplicate accounts were removed from my XXXX and XXXX credit bureau reports that were listed under XXXX XXXX, however, they still remain on XXXX   and XXXX XXXX reports as shown below. 

AES/XXXX {$62000.00} AES {$27000.00} AES/XXXX {$13000.00} AES {$10000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I called credit control to advise them that I did not have an agreement with them for any amounts owed and I had a conversation with one of three agents and I was threatened that if I didnt pay they would sue me and garnish my wages. That is illegal according to the FTC act.
Product: Debt collection

I have contacted the debt collector to receive, the Account History Information and any signed contract between myself and the debt collector. Stating that I owe them the debt. I have also reached out to the credit bureaus for three months, to fully investigate the closed accounts being reported to my credit. I have not received any update.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XX/XX/year> XXXX XX/XX/year> EQUIFAX MORTGAGE SER XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX I contacted the credit bureaus to dispute all non-account holding inquiries from my reports. The Credit bureaus never responded or corrected these issues. Innacurate inquiries are being reported on my credit reports and is disrupting my credit worthiness.
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, and Account name 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 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.