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 companies have violated my rights. 

XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 
XXXX XXXX. # XXXX. 
XXXX XXXX XXXX # XXXX. 
XXXX XXXX # XXXX. 

I have a right to privacy. 
15 USC 1681 section 602A states I have the right to privacy.

15 USC Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and My Financial Freedom that has been DAMAGE. List of items that are UNKNOWN to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have disputed this debt multiple times asking for it to be verified with original creditor they have continued to ignore my request this is not my debt it is a account not opened by me it was removed and readied to my credit report the credit bureau keeps allowing it please look into this matter it is unfair & unjust
Product: Debt collection

I received a letter from Pro collect in XXXX, Texas, I reached out to them, to inform them that I dont know anything about the Debt and requested information. They informed me that it was from a company called XXXX. I asked for information regarding the Debt since Ive never received any information About an amount that was owed. The request was for an itemized bill, date of service, what services were rendered, and who rendered the service. I was told that, I was told it that request have to be made via email or in writing, and That I will need to pay the bill, whenever I persist to ask questions, I was hang up on. In addition to my request for info via phone I attempt to send an email, but the email address on the letter Was not correct, I called the company again today I was given a different email address, and a demand for payment via credit card was made, when I refused, and again requested information, The young lady hang up on me, Once I told her, if they did not provide the information to me, I would contact the FTC. I sent an email after I got the correct address, requesting the documentation again.
Product: Debt collection

Diversified has called my office on multiple occasions from different numbers attempting to collect a debt from someone not associated with this office or myself. 

XXXX XXXX We 've asked them to stop calling but they continue and I feel as if they are violating the FDCPA. 

Can you please assist?
Product: Credit card

Had to dispute a credit card charge. First XXXX cust. serv. operators were in XXXX or something, and they were very courteous. But the XXXX one could not understand me. And the XXXX XXXX I could n't understand him. So I asked to be switched to a XXXX operator and got a nice gal in Kentucky. She could not see any of my charges, she said there were no charges on my card, even though we verified we were talking about the same account. I ended up talking to XXXX or XXXX people before I finally got someone who could help me. And in talking with a manager about this, all they can see are phone calls # XXXX, XXXX and I think XXXX. They 're system definitely does not show my first call. I also got disconnected twice and I 'm on a land line, we do not get disconnects here ever. I was very disappointed at the customer service. Now why this is important is people have the right to dispute a charge, and if the company makes it through their own incompetence and poor training very difficult to contest a charge, a lot of people I know would give up. My mom who was XXXX when she passed away would have given up after the XXXX operator. It 's important that these credit card companies not impede people 's abilities to contest charges. Having over-seas operators works fine if they speak XXXX correctly at least so you can understand them.
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. 
Account name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 card

On XX/XX/2024, I activated a Shop Your Way Card promo offer for Restaurants, Gas Stations, and Grocery Stores- 'spend {$2000.00}, get {$200.00} back each month in XXXX  '. I made a test charge to see if a certain spend would qualify for the promotion. Shop Your Way 's backend had the merchant category as 'Restaurants-UTILITIES-ELECTRIC, GAS, SANITARY, WATER '. I called their representatives in XXXX, and again on XX/XX/XXXX to see if these charges would qualify. On both occasions, I was told yes they would. Based on this information, I spent ~ {$6000.00} over 3 months on the card. The agent on XX/XX/XXXX told me I should see my first {$200.00} statement credit on the XXXX statement. 

As of today, I have my XXXX statement but no credit. I called their customer service a third time to see when I should expect the credit, and they're telling me that these charges don't qualify. I spoke with a supervisor who said the same exact thing. I pointed out its hard to trust anything they're saying as they've either lied to me on two prior calls or are lying to me now. The supervisor said their staff is not qualified to confirm what qualifies for the promotion and the only thing I should go off of is if I eventually see a statement credit. I feel I was intentionally deceived to spend a higher than normal amount on the card, and then the company failed to live up to their end of the promo offer bargain. They've on a whim changed what qualifies and what doesn't.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX TransUnion XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion XXXX account XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Transunion {$12000.00} XXXX {$12000.00} XXXX : XXXX Last Reported : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Date Last Active : Transunion XX/XX/XXXX XXXX XX/XX/XXXX XXXX Times XX/XX/XXXX days late Transunion XXXX XXXX XXXX ( different on different sites ) XXXX XXXX A ) As you can see I'm making my complaint because the credit bureaus are reporting inconsistent and inaccurate repossession information that are damaging my credit report. 
B ) Other information is inaccurate also which means the negative item on my my report is illegal and against the Fair Credit Reporting Act. 

I HAVE SENT OUT AND CALLED MULTIPLES TIMES REGARDING THIS MATTER AND HAVE NOT RECEIVED ANY INFORMATION BACK.
Product: Debt collection

Account Control Bureau Contacted me by mail regarding an account with a company " Under The Sun XXXX XXXX '' I responded with the attached e-mail to XXXXXXXXXXXX " Disputing the validity of the debt '' on XXXX XXXX XXXX. Account Control Bureau did not investigate or provide any documentation or communication of the results of any investigation. Account Control Bureau placed derogatory information on my credit file with the credit bureau 's in violation of my rights as a consumer to challenge the debt.
Product: Debt collection

XXXX XXXX XXXX keeps calling me nonstop about my USAA debt owed. sometimes they called multiple times in a day. I am very sick with many health issues as a XXXX veteran and there are days I cant answer my calls. they are harassing me with repeated calls 5 days a week
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Synchrony Bank/PayPal Credit XXXXXXXX XXXX XXXX XXXX  XXXXSubject : Cease and Desist Notice Regarding Unauthorized Information Sharing and Credit Reporting** To Whom It May Concern, This letter serves as a formal **Cease and Desist Notice** regarding your companys unauthorized sharing of my personal and financial information, as well as its continued reporting of inaccurate or unauthorized data to credit reporting agencies. Such actions constitute a violation of my rights under the **Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 et seq. ) ** and other applicable laws.

Pursuant to the FCRA, I am asserting my right to dispute and demand the immediate cessation of any further dissemination of my personal or financial information. Furthermore, under **15 U.S.C. 1681b**, my consumer report may only be provided under specific legal conditions, and any improper sharing of my data violates these provisions.

Additionally, under **15 U.S.C. 1681n and 1681o**, I am entitled to seek damages for willful or negligent noncompliance with the FCRA , including statutory damages, actual damages, punitive damages, and attorney fees. If your company does not take immediate corrective action, I will pursue all available legal remedies, including filing a lawsuit for damages resulting from your unlawful actions.

**Account Number ( s ) : XXXX ** Accordingly, I demand that you : 1. **Cease and desist** from further sharing my personal and financial information without my express authorization.

2. **Delete and remove any unauthorized or inaccurate information** related to my account from my credit report.

3. **Provide written confirmation** within 30 days that all necessary corrective actions have been taken to comply with this request.

Failure to comply with this demand will result in legal action without further notice. I trust you will take this matter seriously and act in accordance with your legal obligations. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I entered into consumer credit transactions on various dates with the below listed accounts. I used my credit card ( Social Security Card ) defined under USC 15 1602 ( i ). XXXX, Transunion, and XXXX then furnished a report including these consumer credit transactions that stemmed from my credit card ( Social Security Card ) which should be excluded from the consumer report pursuant to 15 USC 1681a ( 2 ) ( b ). XXXX, Transunion, and XXXX  all are in violation for furnishing a report including the below listed account that were intimated with my credit card ( Social Security Card ).

XXXX, Transunion, and XXXX  are also in violation of 15 USC 1602g, for reporting late payments on my consumer report when a finance charge was included in the consumer credit transaction they are reporting late payments on which should be the sum of all charges and a " late payment '' is not defined in the Fair Credit Reporting Act due to this fact. 

XXXX, Transunion, and XXXX were not given written permission to furnish a report on behalf at any point and if they were they have been unable to produce proof of this matter. These reporting agencies are only allowed to report what I Gove written permission to them to report and I have not given this permission! The consumer reports they have furnished on my behalf are unfair and they have caused damage to my reputation and ability to receive necessary credit to thrive and move the financial system forward! 

Account in 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
Product: Debt collection

In XXXX of XXXX, someone used my name to open a Synchrony Bank PayPal account. A credit card was sent to an address in XXXX XXXX, Ohio. I never lived in Ohio. The credit card was used for a one-time purchase of {$1200.00} but credit card bill was never paid. 
I received a message from Synchrony PayPal about an overdue balance around XXXX, XXXX. When I returned the call, the PayPal security department couldn't find any information about an account  matching the information I could supply. I told him it was an unauthorized account and to close it immediately. 
I received a letter from XXXX XXXX XXXX dated XX/XX/XXXX trying to collect a debt balance of {$1200.00}. Synchrony PayPal had closed the account and had sold it to XXXX XXXX. I made several phone calls to the number supplied on the collection letter and escalated calls up through the management to report fraud and identity theft and was told that I would receive a letter notifying me of the status. No letter to date. 
I filed an Identity Theft Report with FTC and sent an official letter to XXXX XXXX in XX/XX/XXXX with documentation. No letter from XXXX. 
I receive several phone calls from XXXX XXXX each day and want it to stop.
Product: Debt collection

I have received several phone calls and mail correspondence indicating that I have a debt to XXXX for {$460.00}. However, when I contact the collection company and provide the last 4 digits of my SSN, they say it is not found in their system. This leads me to suspect that they have the wrong XXXX XXXX, as I am a long standing paid customer of XXXX with no monies owed. Since the collection agency can not find my SSN in their system, they are unable to modify the debt in their system. 

Collection Agency Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX XXXX File Number : XXXX Amount {$460.00}
Product: Vehicle loan or lease

A loan was taken out with Navy Federal Fraudulently as well as a Credit Card that was issued in my name. We have established with Navy Federal that this is fraud and they did not receive an application from me nor does the signature on the check that they issued match my signature. I have an attorney working with me to have the issue resolved. I have identified the individual who fraudulently obtained this loan and have reported the matter to the police who is currently investigating. However Navy Federal is reporting this on my credit and it is affecting my score. 
The amount of the loan is {$75000.00} and a credit card balance of {$54.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

AS shown in the attached photos, an account was deleted because it could not be VALIDATED! WAKEFIELD & ASSOCIATES had put the account back on my credit report under another corporation name ( REVENUE RECOVERY ) and got caught with their FRAUDULENT ACTIVITY! So now they put the account back on my report and changed the account number and put it back under their own name ( WAKEFIELD & ASSOCIATES ) which proves that they know that was ILLEGAL TO DO and which is AGAIN FRAUDULENT ACTIVITY!!! This is unacceptable! I AM A PROTECTED CONSUMER!!! I have attached proof of their fraudulent activity! The account circled in green is proof of the account being deleted and the other account that is circled in black is the same account with a new account number! ALSO XX/XX/XXXX IS IN VIOLATION AS WELL!!! THEY TOO ARE INDULGING IN FRAUDULENT ACTIVITY!!!
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Fraudulent Account Opened in My Name To Whom It May Concern, I am writing to formally dispute an account opened in my name with Discover Financial on or around XX/XX/XXXX. I am a victim of identity theft and can provide evidence that I could not have opened or authorized this account. 

I have been incarcerated since XX/XX/XXXX, and remain in custody. Therefore, I could not have participated in any financial activity, including opening accounts or authorizing transactions, during this time. 

The details of the fraudulent account are as follows : Account Number : XXXX To assist with your investigation, I have enclosed : 1. A copy of my identification ( prison ID ) 2. Proof of my incarceration, such as prison records or a letter from the facility 3. A completed Identity Theft Affidavit Please confirm in writing that you have received this letter and provide me with updates regarding the status of the investigation. I can be reached at the address above, or you may contact my representative, XXXX XXXX, at ( XXXX ) XXXX. 

I trust that Discover Financial will handle this matter promptly and appropriately. Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Enclosures : [ List enclosed documents ]
Product: Debt collection

My name is XXXX XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports.

Upon reviewing my updates, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : 1. SEQUOIA FINANCIAL SVCS XXXX Balance {$1100.00} ; 2. SEQUOIA FINANCIAL SVCS XXXX Balance {$2600.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep receiving thats the results of my dispute with experian credit reporting agency is ready to view online I put in the confirmation number and the Id number. After putting in my social security number I always receive an error message that I cant view the results. This is not the first time this has happened. The last confirmation number they gave me was XXXX and Id number XXXX.
Product: Credit card or prepaid card

Hi, thank you for taking my concern for the billing dispute. 
*On XXXX, I noticed there is a {$37.00} charge on XX/XX/10 XXXX which I have no clue what that is and chated with XXXX to dispute this charge who told me they will handle the dispute. 
*On XXXX, I reached out to XXXX again to follow up the status of the dispute and XXXX asked me '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? '' At that time, I've fully answered the question and XXXX told me they will process the dispute. 
*Today, XX/XX/10, after more than 1 month, I still have not got any update for the status though I've paid the fraudulent charge just to avoid any interest could happen. I just have conversation with XXXX who still asked the same question '' Am I in possession of my credit card? Does anyone have access to my card? Have I done business with the merchant in the past? ". and still no update for the case. It seems a blackhole there. 

I kind of lose faith due to the horrible services HSBC provided and just hope the case can solved so I can close this account. 
Thank you again for your help. I really appreciate that.
Product: Debt collection

The debt collector called my Father and told him that they were looking for me to collect a debt. I called the debt collector after my Father told me they called him and I paid my debt promptly. I told the collector that I would be filing a complaint with the Consumer Financial Protection Bureau as I was completely embarrassed and hurt that they called my Father.
Product: Debt collection

Capital One is reporting a charged off listing on my credit reports. This entry is because of fraud. I contacted Capital One of the unauthorized charges and requested that they send me a fraud package to complete. They have yet to send it and it 's been almost 2 months. I 've the debt with the credit bureaus but Capital One continues to report the damaging listing. Make note of this formal complaint and help me to resolve it immediately.
Product: Payday loan, title loan, or personal loan

SunTrust Bank closed the overdraft line of credit for my personal checking account in XX/XX/XXXX and did not notify me. I found out in XX/XX/XXXX when I checked my credit report. The line of credit was closed while another financial institution had a hold on my checking account in XX/XX/XXXX ; the court ordered reversal of the hold in XX/XX/XXXX. 
I talked to people at SunTrust Bank to get the line of credit reopened, including XXXX XXXX, Supervisor of Loan Servicing and XXXX XXXX, Office of The President, but the bank refused to do so. I have never been late in paying on the line of credit, which should be reopened without my having to apply for new credit. The whole situation occurred because of circumstances beyond my control and without me being at fault. I have been discriminated against.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act. The List of account below has violated my federally protected consumer rights to private and confidentiality under USC 1681. 
ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX