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

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX  XXXX Account Number : XXXX ; XXXX XXXXXXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX Account Number : XXXX ; XXXX XXXX  Account Number : XXXX ; XXXX XXXX XXXX Account Number : XXXX ; XXXX XXXX XXXX XXXX Account Number : XXXX ; XXXX Account Number : XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX  Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX ; XXXX Date of inquiry : XX/XX/XXXX
Product: Credit reporting

We sold a house in XX/XX/XXXX in the state of Texas. We also filed for bankruptcy in XX/XX/XXXX. 
While the house was originally included in the bankruptcy, we worked with the lender a sold the house however, the credit agency refuses to update the report with the correct information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
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 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 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 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 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: Consumer Loan

I believed I was charged an interest rate that was too high for my credit score, which was XXXX at the time. I was charged a rate of 4.39 %, which I find to be comparatively high for people with my credit score. The company is Honda Financial Services
Product: Checking or savings account

received a letter from Ally Bank on XX/XX/2022 stating i have to make a deposit into the account or it will be closed due to a negative balance of XXXX XXXX The letter stated that I have 10 business days from the date of the letter or my account would be restricted. I set my tax refund from the CA franchise tax board to go into my Ally Bank account. The CA XXXX sent a direct deposit of XXXX $ to my Ally Bank account on XX/XX/XXXX. I contacted Ally bank on the same day to verify that my account would not be restricted so as to not reject the direct deposit. I was assured that my account is fine and it would not reject any deposit that is arriving. I was told it usually takes 3 business days for the account to see a direct deposit and that since the XXXX was a Saturday I should wait for the XXXX business days to pass. on Monday thXXXX XXXX I went on my Ally bank app to see if maybe deposit came early. To my surprise, I saw that my account had been closed. I frantically start contacting the customer service, asking why would they do that to me? i told them a deposit was coming, and it was sent within the time. the first person I talked to assured me that the account was fine and when the deposit comes in they will either reopen it or they will take the amount I owe out of the deposit and send me the remainder of the amount by check. Then I received a notice on the XXXX saying that my account had been closed. The notice also said that the account would still be able to receive deposits in order to cover the negative balance and the remainder would be sent to me in a check. this has caused me soo many problems. i just want to know why they wouldnt tell me " hey your account is going to close tomorrow, the deposit will not go through| '' I was literally told your account is fine. Why couldnt Ally bank just do what they said they will do? Then they send me a letter in the 2nd saying we have removed the restrictions from your account you can now use it again but the notice wasnt true. What kind of bank sends a notice and its not even true. instead of receiving the deposit and sending me the remainder after taking out the negative. They REJECTED the deposit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed COLLECTION CENTER-WYOMIN charge ( which was posted as a collections account on XX/XX/2019 ) on my report for XXXX with XXXX and XXXX. With XXXX   on XX/XX/2019, XX/XX/2019, and XX/XX/2019 and they have refused to help me remove a fradulent debt account on my report. I informed that I did not receive the services for this hospital visit and the charges are not correct, I have tried to work with the merchant but the merchant has refused to accept the dispute and report it to credit agency. the account was closed and this debt is not valid, thus it should be removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

-- I spent time comparing and contrasting across credit bureaus and under several different programs. 
-I spent time identifying inaccuracies -I spent time checking the misuse and/or timeframes. 
-I spent time purchasing searching XXXX and XXXX on what to do etc. 
- I spent numerous hours with customer service representatives making provisions -I have spent time placing security freezes -I have spent time sending debt validation letters and inquiring how my information has been misused -I have spent time defending my name and trying to protect myself because of incorrect information. 
-I have spent time speaking and consulting with credit specialist -I have been denied goods & services causing me to take a deeper look into my credit -I received bills from things I did not authorize -I have spent time investigating providing documentation and reports. 
-I have spent time reading the general summary of right under the FCRA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

you keep letting these 4 account report inaccurate the statuS of the accounts are SOLD/ CHARGE OFF BECAUSE THEY WERE SOLD THEY ARE NOT DEROGATORY THEY ARE SOLD THE CURRENT PAYMENT STATUS OF THESE ACCOUNTS ARE SOLD/CHARGE OFF THEY ARE NOT IN COLLECTIONS SO TELL ME YOU SELL AN ACCOUNT THEN YOU SEND IT TO COLLECTIONS ARE YOU FOR REAL GET MY REPORT RIGHT OR BE SUDED
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to remove some of the information in my file that resulted from alleged identity theft but I have ITEMS left that need to be removed or blocked. Per FCRA section 605 you are required to remove any accounts listed on an ID THEFT REPORT # XXXX. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. These are the items that need attention in my credit report : XXXX XXXX XXXX XXXX, MI XXXX, XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX  XXXX XXXX Balance XXXX {$6900.00} , XXXX XXXX XXXX XXXX Balance : {$1200.00} , XXXX XXXX XXXX Balance : {$1800.00}, XXXX XXXX Balance : {$3900.00}, XXXX XXXX XXXX XXXX Balance : {$6800.00}
Product: Credit reporting or other personal consumer reports

Barclay is sending INCORRECT information to XXXX, stating that my account is closed, included in bankruptcy and there was a late payment XX/XX/XXXX. NONE OF THIS IS CORRECT. 

Only the FICO Credit Report is showing the wrong information. I requested/reviewed all 3 of my credit reports on the 3 credit bureau 's pages ( they are correct ). 

Barclay is being predatory and criminal because when I did a balance transfer to another account in XX/XX/XXXX, they took away {$11000.00} of established credit limit from my account ... in retaliation of my balance transfer. They went further to retaliate against me by reporting false information to XXXX Report starting in XX/XX/XXXX. But the supposed late fee they claim was in XX/XX/XXXX. I also reviewed the CC statements and verified with their credit department, that everything was in good standing. SO WHY ARE THEY REPORTED FALSE INFORMATION TO XXXX 

AGAIN, BARCLAY 'S BEHAVOIR HAS BEEN RETALITORY. THEY COMMITTED A FEDERAL CRIME, AND ARE SUBJECT TO LAWSUIT.
Product: Debt collection

XXXX XXXX - {$2100.00} - XX/XX/2014 {$4300.00} is the amount now and shows late payments. 

The company has this on my credit file, I never went to school or got a loan from this company. I file a police report stating I did not receive money from school and that it was identity theft. I asked for proof of debt, signature of paperwork, school attended, I have yet to receive anything showing proof. Please help resolve as the next step would be to start legal action with XXXX and XXXX reporting companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX stating that I had an errant account from Loan Depot dated XX/XX/2021 with a letter from Loan Depot saying my account was paid in full. XXXX is still reporting that I owe {$280000.00} from Loan Depot.
Product: Checking or savings account

I have a small business checking account with Bank of America, it is established and has been having constant deposits since the opening last year. It has always been in good standing. I started depositing checks from clients and every single check is put on a 7 day hold a day or two after I deposit it. This has applied to checks from many different banks, checks in atm or mobile deposit and even in person deposit. 7 day holds on every single check deposited in accounts in good standing is completely unreasonable. Yesterday was the last straw after being denied service at the XXXX branch in AZ last week but witnessed a XXXX couple with out an appointment be attended a week ago and going to the XXXX and XXXX XXXX XXXX and being questioned as to why I have such a large check as if I am not capable of earnings this size. And another one of my checks being put on a seven day hold, I have had it.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 30 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
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 XXXXXXXX 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 XXXXXXXX OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXXXXXX 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 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, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting an incorrect payment history to Experian. I got on a payment plan with XXXX  and they agreed to report my account to the bureaus as current as long as I am making my payments which I am. XXXX from XXXX emailed me this to confirm. Please see attached our email thread. I also attached a copy of how Experian is reporting this account. XXXX and XXXX are reporting correctly and Experian needs to do the same.
Product: Debt collection

A company Submitted a loan in my name to Service Finance Company LLC I informed them.

1.That is not my name or Signature 2 . I did not approve of any loan and I would like to Contest it but they still call me and request to pay and continue to tell the Credit agencies I refuse to pay.
Product: Debt collection

On XX/XX/2015, I was in my XXXX  year of college when I was XXXX XXXX  and taken to the hospital. Most of my time there was a blur as I was very injured and drunk, but an advocate from the local XXXX crisis center as well as my mother were with me. I was given a XXXX kit but told that I wouldnt have to pay for anything because care for XXXX XXXX  victims is covered by the DOJ. 

In the years that followed I never once received any sort of bill from this visit or a notification to on that anyone was attempting to collect a debt. I only learned of the collection when, at age XXXX, I tried to apply for my first credit card and saw the collection already on my credit report. 

I attempted to contact the owner of the debt, XXXX XXXX XXXX at XXXX more than once to dispute this debt and to ask for proof of services rendered. I was never given any and told that I would have to get it from the hospital. When I contact the hospital I was told that since they sold the debt to a collection agency they too dont have any record of it. 

This debt has been negatively impacting my financial health for years without my knowledge, and to date nobody can even offer proof that I owe it, other than to say that my name is associated with the account. 

I am being constantly hurt and reminded of the worst day of my life by this predatory debt and am seeking recourse and want to find a way to permanently solve this very distressing situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted letters to Equifax, XXXX and XXXX disputing accounts that were on my credit report that were not accurate. It has now been over 30 days and I have not received a response as of yet. I am trying to leverage my credit to build my business and this is slowing my process.
Product: Debt collection

XX/XX/XXXX, I contacted XXXX XXXX XXXX initially to discuss the amount owed and payment options and they advised they couldn't assist me because it had been turned over to collections. On today, XX/XX/XXXX, my husband received a phone call from Zenith Financial Network. He was not listed on my loan application nor was he authorized to speak on my behalf. They notified him that I owe on a payday loan, they gave the exact date from XX/XX/XXXX, how delinquent it is and the amount owed of {$1600.00}. They also tried to obtain payment from my husband during their call and attempted to initiate a settlement with him. The name of the collections company is Zenith Financial Network and their contact number is XXXX. It is my understanding that this is in violated of section 804 of the Fair Debt Collections Practice Act. It is my understanding that they are allowed to call and provide a 3rd party with their contact number or ask  how to reach me, but not to provide personal information in regards to my collections account. 

I also called Zenith Financial Network and advised my husband should have never been contacted. They replied, 'When he answered, he was able to identify your identity '. This is unacceptable practices, no one is authorized to speak on my behalf or to discuss the details of my account other than myself. 

The account is for myself, XXXX XXXX, but my husband XXXX XXXX was contacted and should NOT have been.
Product: Debt collection

XXXX XXXX has violated the Regulation F rule in attempting to make contact with me for the 7 within 7 rule. 

From XXXX they have made an attempt 13 times from XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion 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
Product: Debt collection

This was the closest choice to my complaint. I have tried calling the collection agency XXXX ; not ONCE have I every gotten to a representative. EVERY call is answered with " due to high call volumes we are unable to take your call ; please call back ''. This happens even at XXXX.!! I provided a copy of a letter from XXXX XXXX XXXX that this is not my responsibility and payment has been made.
Product: Checking or savings account

FIFTH THIRD BANK- XXXX  ACCOUNT NUMBER XXXX, OPENED XX/XX/XXXX CLOSED XX/XX/XXXX. Account closed and reported under my name on XXXX XXXX XXXX This account has been opened under my name without my authorization or permission. I have reached out o the bank and nothing was resolved. I have pure rights and am entitled for my name to be secured without being tampered with. I have no knowledge of this account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXXXXXX 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 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: Debt collection

I have requested verification and validation of debt per my right under the FDCPA and this company refuses to provide this information to me. I also disputed this debt yet JH Portfolio debt Equities still reports this on my credit and has not marked as dispute which is a direct violation of the FDCPA. The last four of my ssn are XXXX and my date of birth is XX/XX/XXXX. My address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I have contacted an attorney and I am aware I can seek actual and statutory damages against your company. Your also a debt buyer and i am under no legal contract to pay you. Can you also provide a bill of sale?
Product: Credit reporting or other personal consumer reports

As per 15usc 1611 XXXX XXXX and Equifax is criminally obligated. They are affably obligated for twofold the measure of the money charge as per 15 usc 1640.

Furthermore, they are at risk for each fdcpa infringement as per usc 1692k. Im requesting they eliminate this supposed obligation from my shopper reports, transmit installments to me for infringement. A supposed obligation being outfitted on your credit report is an infringement of 15 usc 16922b. ( 2 ) it is likewise publicizing to certain installment. Which is illicit. Im requesting that you eliminate these Transactions from my report promptly as they are an infringement of my privileges as a governmentally protected purchaser under title 15 section 41. Concerning the records recorded underneath as a customer Im requesting a cancellation of these records. Cc Consumer Financial Protection Bureau. Cc Attorneys General Office. Cc XXXX XXXX XXXX  Cc State Senate. Cc Federal Deposit Insurance Corporation. Cc Comptroller of the Currency. Cc Federal Reserve System. Cc Credit and Insurance. Cc Federal Trade Commission. Cc State Regulatory Agency.