23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This company said l signed up for travel account for a cruise. I told them l didn't do it and they shouldn't have been selling it because covid was in affect and cruises were not even sailing out. At that time they weren't even allowing people to travel. I also filed a report with the police because there was a lot of fraudulent activity happening with my credit report, bank accounts, mail and so forth. On all my credit report l have them locked that no one should be assessing any inquiries. But they're still able to. And my credit score has dropped. The name of the company is uplift. And XXXX also has me as delinquent and l went to there store to buy something. I gave the clerk my debt card to pay for the items and she goes and signs me up for a XXXX XXXX credit card. It was around XXXX and so the credit card came to my address in XXXX. When l got the card l was furious l went right to XXXX XXXX paid it off and closed the account immediately. I have called the store several times and told them to get it off my credit report. I never asked for a credit card. I don't even like XXXX XXXX store. And l don't shop there.
Product: Credit reporting or other personal consumer reports

EQUIFAX IS REPORTING AN INCORRECT ACCOUNT AND BALANCE ON THE CREDIT REPORT THAT DOES NOT BELONG TO ME THEY HAVE BEEN NOTIFIED AND VIOLATED MANY RULES OF THE DISPUTE PROCESS THIS IS A FRAUD IDENTITY THET, AND MULTIPLE REQUESTS HAVE BEEN SENT
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. ACCT Name : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX Bankruptcy Reference # : 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 accounts 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 this 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

I am a victim of identity theft. Some information which appear on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.

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 my personal information to my credit report.
Product: Debt collection

Attempts to collect debt not owed ( debt was paid, discharged Section 16. Note Issues 1. Issuance of Federal Reserve notes ; nature of obligation ; where redeemable Federal reserve notes, to be issued at the discretion of the Board of Governors of the Federal Reserve System for the purpose of making advances to Federal reserve banks through the Federal reserve agents as hereinafter set forth and for no other purpose, are hereby authorized. The said notes shall be obligations of the United States and shall be receivable by all national and member banks and Federal reserve banks and for all taxes, customs, and other public dues. They shall be redeemed in lawful money on demand at the Treasury Department of the United States, in the city of Washington , District of Columbia, or at any Federal Reserve bank.
Product: Credit card or prepaid card

My existing XXXX XXXX card was transferred to Synchrony Bank in XX/XX/XXXX. Synchrony promised to have their website up and running on XX/XX/XXXX. I created a new account at Synchrony on XX/XX/XXXX so I could pay my bill online. I was able to create an account but did not have checking acct. info. handy, so later in the day when I tried to log back in ( and 12 times since then ) I get an error stating there are technical difficulties. The problem is not on my end, as I have tried logging in from 3 different devices/locations. 

I could also pay this bill via phone, but they want to charge me for doing so. I can not reach a live customer service rep at Synchrony as the phone number furnished on the XXXX website ( where I go to pay this bill ) gives me a 24/7 automated only phone line. I don't think I should be assessed a fee to pay a bill. I could also pay it by mail, but it takes 2 weeks to post. 

I contacted the XXXX customer service, Synchrony Bank, XXXX XXXX XXXX and CFPB about this issue. I have had no response. Next step will be contacting my California Attorney General 's office and XXXX corporate headquarters to let them know about these issues that Synchrony is ignoring/refusing to resolve. Why even bother to offer a website for payment if you can't keep it up and running?
Product: Debt collection

Alphera Financial Services is the original creditor. They have me owed for XXXX that is not my debt. The date of activity is different across the bureaus. I have reached out to all 3 major credit bureaus ( XXXX, XXXX, XXXX ) and disputed this account. XXXX removed the account but XXXX and XXXX are still reporting this inaccurate information. Can you please investigate this matter.
Product: Vehicle loan or lease

XXXX XXXX short paid Santander USA. Santander didnt notify XXXX XXXX or myself that it was a balance still due. Santander continued to report delinquent instead of reach out by phone or via letter. Im requesting Santander to correct the credit reporting remarks and account status to reflect closed and not closed charge off. They even released the title to XXXX XXXX  knowing they were short paid.
Product: Mortgage

I called to request a loan modification or forbearance and was denied both. I was told that I did not qualify and that was the end of that conversation. I do not have the representative name but it will be in the phone logs. They tell me that I did not respond so they denied me modification but that is not the case. They denied me modification and that was that. I tried doing a short sale but they for closed and my realtor did not have time to collect all the info to list it. Wells Fargo took my daughter 's home from us and 10 years of my life unable to buy again because it foreclosed. The call was between XXXX and XXXX of XXXX
Product: Credit reporting or other personal consumer reports

I have disputed several items on my credit report because a lot of the information was incorrect such as inquires, personal information. I have reached out to the companies as well as the credit bureau and no one has been able to fix the issue or the issues would come back as verified when I have not authorized any of these things. I believe I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

i am not delinquent. 

i paid on time the moment i got my credit card statement on XX/XX/XXXX. 

i did not get statements before!! 


XXXX XXXX  XXXX XXXX XXXX  ) Account # XXXX SSN XXXX XXXX : XX/XX/XXXX Complaint : Hello, I only got my Statement by mail on XX/XX/XXXX, and immediately made payment. I have not received any statements in XXXX or XX/XX/XXXX. 
As such, please issue refund of " interest charge '' and remove any late notation from the credit reporting files at Experian. 
See comments from the XXXX Call I made on XX/XX/XXXX. 
Also, please let Experian credit reporting know that I am XXXX  % current. 
Please do reply to me. 
Confirm receipt of this Complaint : XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX : XX/XX/XXXX Phone : XXXX
Product: Credit reporting or other personal consumer reports

I have an exceptional payment record with all my creditors which is readily available on my XXXX credit report Being one date late on a XXXX payoff is hurting my credit report to potential lenders I have made thousands of dollars of payments on time and have an exceptional payment history 's. As a XXXXXXXX XXXX XXXX veteran from the Veterans Administration from services in XXXX to have a one day late paying a bill of XXXX dollars is hurting me from getting credit I deserved and at XXXX XXXX XXXX I would like to keep my credit report clean. I make over a XXXX XXXX dollars a year from XXXX XXXX XXXX XXXXXXXX and to have a one day late report for paying off a creditor that stays on my file for 7 years is hurting me immensely since i will die before this negative notation is removed. NO one listens to me concerning how badly this negative late report is hurting my credit. Thank you for allowing me to air my complaint. I remain respectfully XXXX XXXX XXXX last four of my ssa is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX : Account # XXXX, has violated my rights. 
This company continues to report a 30 day late payment to XXXX, TransUnion XXXX XXXX from XXXX of 2018. 
My account was reported closed in XXXX of 2018 through TransUnion XXXX XXXX. I sold this car in XXXX of 2018. 

15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

I never gave these written instructions. & also.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency ; nor was I given the opportunity to deny. I have the right to privacy, and what goes onto my credit report.
Product: Student loan

The Family Educational Rights and Privacy Act, FERPA, protects the confidentiality of student records. My personal and financial information was compromised without my authorization. There was a breach in data privacy when Elon Musk and other government staff accessed this personal information. This is a clear violation of FERPA and Mohela 's ( loan servicer ) responsibility to protect my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request an immediate cancellation and discharge my federal student loan balance in full. 

My federal student loans were taken out in various increments from XXXX. I attended XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX and XXXX  XXXX XXXX XXXX XXXX ). My current federal student loan debt totals {$65000.00}. 

I truly feel violated knowing my personal and financial information was accessed without my authorization or consent.
Product: Debt collection

I earnestly plead with you to promptly take decisive steps to eliminate the unauthorized inquiry from my credit report without any further delay.
Product: Debt collection

On XX/XX/XXXX, i received a letter from XXXX XXXX XXXX trying to collect a debt for a bank called XXXX credit card. On XX/XX/XXXX, i then sent a letter explaining that the debt had been paid in full according to my knowledge, i requested a debt validation of which they refused to respond instead on XX/XX/XXXX XXXX XXXX  sent another letter demanding me to settle the debt without validation. The account was put on XXXX XXXX in XXXX of which the statue of limitation has expired in XXXX to collect a debt in California.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Debt Collection Practices Act, this reporting agency has violated my rights. Under 15 U.S.C. 1681 ] section 602 states that I have a right to privacy. 15 U.S. Code 1681s2 also states that a consumer reporting agency can not furnish an account without my written instructions. I did not give this organization written authorization to collect or share my personal information with any 3rd party. Also, In XXXX I filed a credit freeze which they still have been able to share information about that is also false. I recently requested a report of all the information collected by them in XXXX and have yet to receive it. I requested another freeze in XX/XX/XXXX and a copy of my report and still have not received the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX BANK Account 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( MO ) XXXX XXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists
Product: Credit reporting, credit repair services, or other personal consumer reports

I havent been able to access my credit report, and once I called XXXX to discuss the problem no one wouldnt help me. It says that my info is wrong and I know for a fact that someone has been putting stuff on my credit which is the reason i cant access to dispute it.
Product: Credit card

I, XXXX XXXX, as a federally protected consumer and per the Fair Credit Reporting Act ( 15 USC 1681 ) I am now opting out of any and all authorizations that I may have given you written, unwritten, oral, verbal or nonverbal per U.S.C 6802 effective immediately and indefinitely. 

DISCOVERBANK XXXX
Product: Payday loan

I received an email Check n Go denying a loan application I did not apply for and showing an address I have not lived at in almost 4 years. It contains financial information that has nothing to do with me, i.e. I have not filed bankruptcy and many more things.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX Ca, XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Against TransUnion for Incomplete and Inconsistent Reporting Dear Consumer Financial Protection Bureau , I am filing a formal complaint against TransUnion regarding their handling of a dispute I recently submitted. The dispute concerns an account reported by XXXX XXXX XXXX XXXX ( Account XXXX : XXXX ). 

While I acknowledge the existence of this account, I have identified inconsistencies in how it is being reported, which raise concerns about XXXX verification process. Specifically : 1. Account Status : Unknown My credit report shows that the status of this collection account is Unknown, which contradicts its designation as a valid collection account. If the status is unknown, how can it be reported as a verified and accurate debt? 
2. Failure to Provide Proper Verification Under the FCRA ( 15 U.S.C. 1681i ), credit reporting agencies must conduct a reasonable investigation and provide sufficient documentation to verify disputed accounts. TransUnion has not provided clear verification of how they determined the accuracy of this account.

3. Potential Violation of FCRA The inconsistent reporting of this account raises concerns that TransUnion did not conduct a proper investigation as required by law. The Unknown status suggests that even TransUnion may not have fully verified this account, yet they refused to correct or remove the information.
Product: Debt collection

i am not liable for this debt with XXXX XXXX XXXXXXXX XXXX XXXX. i do not have a contract with LVNV FUNDING LLC they did not provide me with the orignal contract as i requested. they are also reporting this account incorrectly. this collection account is reporting not only as open but also shows a past due balance of {$610.00} according to the FCRA i have the right to an accurate credit report. please remove this account immediately from my credit report. please provide me a copy of my new credit report reflecting this account removed upon completion sincerely XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX : XX/XX/XXXXXXXX XXXX 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 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, on XX/XX/XXXX I started receiving several inquiries. The inquiries have turned into actual accounts and need to be closed and removed immediately. I added a fraud alert on my credit report on XX/XX/2023. Per the alert, I am supposed to receive a call confirming the validity of each account before it is opened. Two companies failed to do so and failed me as a consumer. The companies are listed below : XXXX XXXX XXXX XXXX XXXX Each company has already been contacted and nothing has been resolved thus far.
Product: Credit reporting or other personal consumer reports

ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY ''CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several Accounts on my file that I have no recollection of. I never opened these accounts, I tried reaching out to these lenders but they have not taken any action and are still negatively reporting in my credit report. 

XXXX. XXXX XXXX XXXX {$120.00} Shows charged off. I never opened this account. 

XXXX. XXXX XXXX Balance {$490.00} Shows closed. I never opened this account. 

XXXX bank XXXX {$0.00} I never opened this account 4. XXXX XXXX XXXX {$0.00} I never opened this account 5. XXXX XXXX XXXX  This loan was was supposed to be in deferrment and sold to other companies, they are reporting wrong negative late payments. I was never late. 

6. LVNV funding Balance {$460.00} They claimed this account was collections for XXXX XXXXXXXX. Again I never had any open account for XXXX  XXXX as they are claiming. 

I have several paid off accounts on my credit report. I pay my bills, I will not make mistake of not paying my bills.
Product: Credit reporting or other personal consumer reports

i requested that my personal information be updated to my correct address and any other personal info that needs to be removed.
Product: Credit reporting or other personal consumer reports

I found inaccurate information in my TRANSUNION credit repot. I tried to fix the issues by sending them a letter through the mail ; however, I was not satisfied with the results.

The accounts were not verified. Inaccurate information, such as payment status, payment history, date opened, and date of late payments are still being reported. My rights were violated according to 15 U.S.C. Section 602, I have the right to privacy, and 15 U.S.C Section 604 A Section 2 states that a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit card or prepaid card

I'm not able to activate my new direct express prepaid card because I was told to update form of payment
Product: Credit reporting, credit repair services, or other personal consumer reports

By the provisions of the Fair Credit Reporting Act, I am submitting this complaint to request that the listed account which I believe appears to be inaccurate and incomplete be immediately investigated and corrected on my credit file. 
US DEPT ED XXXX Balance Owed : {$7900.00}.
Product: Credit reporting or other personal consumer reports

my credit report was hurt by the equifax data breach,
Product: Money transfer, virtual currency, or money service

I was caught in a Navy Federal XXXX scam to the point of where my account was closed and even though i told them that i didnt recognize these charges. I lost over {$1000.00} in XXXX  and because it was through XXXX the bank was no help at all.
Product: Money transfer, virtual currency, or money service

Hello. Venmo informed me on XX/XX/2022 that my account " has been frozen due to recent activity that triggered some security alerts. '' The email did not say I needed to do anything to unfreeze the account, so I assumed I could access my account with a password change. 

When that did not work, I emailed Venmo 's customer service email with the issue on XX/XX/2022. They replied that my request has to be forwarded to another team, and " they will follow up with you here, via email in 7 business days to 2 weeks. '' I told them that timeline was not acceptable and that I have funds in my account that I need access to. 

When I did not receive a response, I called customer service. I explained my issue, but they insisted there was nothing they could do and I would have to wait for this other team to email me. They told me my lawyers could contact them and hung up. 

I note that their user agreement says nothing about this time period. 

Locking up people 's money around the holidays with no recourse for them to access it is appalling. I understand the security measures, but there should be a way to timely address this.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 i sent dispute letters to all the credit bureaus it has now been over 40 days and i feel that is enough time to reply to my disputes. i do realize they are out state and with covid things are slow but still with that said they have had more then enough time.