23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I missed a payment on XX/XX/XXXX, by XX/XX/XXXX, I received a letter stating Synchrony Bank ( Wal-Mart ) had decreased my credit line by XXXX dollars. My balance was XXXX with an initial credit line of XXXX. By them making this drastic decision based off one late payment, my credit score has decreased. Now I have a balance of almost the entire new lower limit. I have never heard of a credit card company taking such an action. I began with this card, having a XXXX limit and was increased without soliciting them to do so. I would like my limit raised back to XXXX. I have been a good customer with Synchrony Bank. They made such a brash decision in 5 days from my payment being late! They also have terrible customer service. After the payment was late I called the customer service number to set up a payment. They never took the payment from my bank account and immediately assessed another late fee. I am very disappointed in this company. There are many, many complaints on the XXXX site although they are still rated A+ which is almost impossible given the thousands of complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act 15 U.S.C 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692, The only address I live at and that should be reported on my credit report is : XXXX XXXX XXXX XXXX XXXX  GA XXXX Addresses That needs to be removed : - XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, NY XXXX XXXX XXXX XXXX - Account Number : XXXX DEPTEDXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  - Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX - Account Number XXXX XXXX DEPTEDXXXX - Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer 15 U.S. Code 1681 ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

I have sent numerous letters via Mail and have not had a response back yet.

15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies it states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

I have provide screen shots of inaccuracies and responses from the the credit Bureaus. I was still ignored and the inaccurate information is still on my credit report I have provided my government issued Identification so the process is not delayed
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Original Creditor XXXX Bridgecrest Account Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX Phone Number : ( XXXX ) XXXX XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This is a inaccurate Fraudulent account and I've also been contacted by your company about a debt you allege, I owe several times from Bridgecrest Account Number : XXXX. This has hindered me from being able to provide for my family on many occasions. This Collection account is reporting as a Delinquent Account and recently changed into a repossession with a past due balance of [ {$9100.00} ]. Please be advised that this account is only shown on XXXX not XXXX or XXXX. This is a Fraudulent Item also displaying that it is a joint account! I do not know anyone of the name XXXX XXXX. I am frustrated and irritated please correct this immediately 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. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 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 am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


Sincerely, XXXX XXXX XXXX
Product: Vehicle loan or lease

My car was repossessed an that was fine but they aid they had to do a write off on It and they ddn have too. They sold the XXXX XXXX at auction for more than I owed. I was paying XXXX XXXX a month on it for a little over a year. I borrowed around XXXX for the vehicle they sof it at auction for I believe was XXXX dollars. I believe what Hey are charging, XXXX and that they have handed over to XXXX XXXX XXXX is interests they are trying to get out of me.says that I still owe XXXX on the balance
Product: Credit reporting or other personal consumer reports

" I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. I am distressed that you have included the information below in my consumer file and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish, which is a violation of The XXXX XXXX XXXX Acts compliance procedures section, 15 USC 1681e ( b ). I contacted the Federal Trade Commission and filed a complaint which is attached. Please block and remove all information from my credit report and send me an updated copy of my credit report. By law, the items listed above are a result of fraud that I did not authorize. The Fair Credit Reporting Acts Block of Information section, 15 USC 1681c-2 "
Product: Vehicle loan or lease

I tried many times contacting my XXXX XXXX and XXXX loan place that my car loan is through via email and phone during the COVID-19 pandemic and I left messages too. No one wanted to help me with my car loan since I was layed off of work. 

Not to mention I have waited since XXXX for unemployment benefits that are in the rearrs of about {$10000.00} now that is owed to me and I never received.
Product: Credit reporting or other personal consumer reports

In Regards to an automobile loan account on my consumer report with First Commonwealth Bank. 

I am writing to assert my privacy rights. The law requires consumer reporting agencies to respect privacy of consumers. My privacy and rights are being violated. I have not consented to the reporting of this information. This is my private data and reporting this for income or business use is fraud 18 usc 1341. And a violation of 15 usc 1681a2ai, 15 usc 1681ba2, 15 usc 1681i,15 usc 1681 s-2. 

This is also a violation of tax code and multiple state laws in which XXXX, XXXX and XXXX are in violation. 


The Pennsylvania Fair Debt Collection Practices Act The XXXX XXXX XXXX Consumer Privacy Act Personally Identifiable Information Protection Act The Pennsylvania Fair Credit Reporting Act Section 4120 of Title 18 of the Pennsylvania Statutes These violation are both civil and criminal and far outway any benefit of trying to collect this debt. I have never given written instruction to report this information and any implied consent is hereby taken away. My rights will be respected or i will pursue legal action. With all applicable legal entities.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has continued to report incorrect and invalid information. After several written attempts to have the credit bureau correct these errors, they still continue to report false items. They have my credit score posted on their website as 611. Yet, they reported a low score of 529 to a lender. This is in violation of the FCRA. The Fair Credit Reporting Act, 15 U.S.C. 1681 et seq, is U.S. Federal Government legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports. Given all my attempts to address two erroneous accounts directly with the XXXXXXXX bureau, this is negligence and non-compliance with federal statutes. Please delete the disputed accounts in my credit report : XXXX XXXX, XXXX XXXX XXXX XXXX. I have sent documentation with both disputes. This matter is still unresolved, and the bureau is now reporting low scores to lenders/creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would appreciate it if you deleted these items immediately as it is hindering me. This issue is frustrating and I just ask that I can be assisted in any way to help my situation. I am a XXXX XXXX recently engaged and trying to purchase my first home with my soon to be wife.
Product: Credit reporting or other personal consumer reports

The following Hard inquiries are in my credit report due to Identity Theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 recovery company continues to call ( over XXXX months ) asking for a " XXXX '' ( no one of that name resides here ). It is a debt collection company, and they wo n't take me off their list.
Product: Credit reporting, credit repair services, or other personal consumer reports

FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT.
Product: Student loan

I have submitted my PSLF form multiple times in the last year and MOHELA fails to update my payment tracker. The payments from XXXX remain in an employment certification required status even though i have provided the PSLF form with a qualifying employer over and over again. They even updated dates after XX/XX/XXXX on the payment tracker but refuse to update the dates XXXX. I have been trying to fix this error since last year XX/XX/XXXX it's now XX/XX/XXXX. When i speak to them on the phone after spending hours on hold just to reach someone they state they will do a recount to fix the error and yet they only update new payments not the payments for XXXX  I have been at the same qualifying employer for the last 12 years working full time and i have 123 qualifying payments meaning i was due forgiveness at 120 but due to Mohela has not fixed this issue I've been stuck at 114 with 9 payments needing employment certification that i have already sent in multiple times, with an employer that has been approved. Not only are they failing to fix this mistake but it's preventing me from obtaining loan forgiveness.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit report act. The list of accounts below has violated my federally protected customer rights to privacy and confidentiality under 15 USC 1681. 
Account : XXXX XXXX XXXX XXXX # off account XXXX amount {$6700.00} date opened XX/XX/XXXX Account : XXXX XXXX XXXX # of account XXXX amount {$5200.00} date opened XX/XX/XXXX Account : XXXXXXXX XXXX # of account XXXX date opened XX/XX/XXXX XXXX U.S.C 681 section 602 A states I have the right to privacy 15 U.S.C 681 section 604 A section 2 it states a customer reporting agency can not furnish an account without my written instructions. 

15 U.S.C 1681c ( a ) ( 5 ) section states : no customer reporting agency may make any report containing any of the following items of information any adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 

15 U.S.C 681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a customer to any customer reporting agency if the person knows or has responsible cause to believe that this information is inaccurate.
Product: Credit card or prepaid card

In month of XX/XX/2023, I found out on XX/XX/2023 fraudulent account with Ikea was open in my name. I reached out to Ikea to notify them I didn't open the account. Ikea told me they would investigate matter, while waiting for Ikea to notify me, I contacted all three credit bureaus including Police Department about the fraudulent matter. I was given case number along with Police report in reference to fraud account that was open in my name. When Ikea contacted me, I told them I reported fraud to my local police department. I also, gave them case number but Ikea refuse to remove this erroneous fraud information from my credit report. Today someone from Ikea called asking me, what am I going to do about account. I didn't open Ikea account simple! Ikea now wants me to go back to police department for IP address, which they supposed have done investigation including IP address, was account open in store or online, video surveillance, if they made any purchases online, if they did what address did merchandise go to. Ikea haven't done anything to resolve this fraudulent matter, no more than calling my phone for payment and telling me that I open account. To be honest I never heard of Ikea until this fraudulent account appeared. Please help me get this resolved, ASAP. This fraud has affected my life, credit and money with negative impact on credit something that I did not open or give anyone to open on my behalf. Ikea is just not doing anything to resolve matter, just keep calling me for payment on merchandise on account, I didn't open!
Product: Debt collection

XX/XX/2019 - Statement date from original provider XXXX XXXX with a 30 day payment expiration notice, amount owed/balance of account on statement {$300.00}. 

XX/XX/2019 - Notice of collection from Thunderbird Collection specialists ( TCS )  demanding payment for {$8200.00} Notice of collection dated three weeks prior to payment due date from original provider. 

The original provider was contacted and I was told that I had no choice but to talk to collection agency, despite the statement notice did not expire until XX/XX/2019. 

XX/XX/2019 - Validation letter was sent to collection agency, ( TCS ) requesting validation of the account. Validation requests included itemized account of charges, ledger, proof of services, my signed authorization for this specific account. I have not now nor have I ever sought medical services from the provider and am confident that no such medical agreement exists. I have requested this documentation and the provider and now collection agency will not comply with my request. 

XX/XX/2019 - TCS responded to validation letter and only provided a statement balance. The did not provide any of the debt/account validation documents requested. 

XX/XX/2019 - I was contact by a representative XXXX by phone at XXXX XXXX, XXXX phone no. XXXX. XXXX identified her self as Calling with " TCS representing their client XXXX XXXX. TCD did not identify themselves as a collection agency. TCS representative stated if you do not pay this we will move forward with this case in favor of our client. When asked for clarification on what she meant by this statement, she replied again that they will move forward with this case in favor of their client. I responded that I will send corresponded in writing. Representative XXXX then began to ask me multiple times over and over again have you ever been sued for debt you owe I asked her what she trying to imply, and she continued to threaten to sue me. 

She specifically referred to XXXX XXXX as her " client '' and that they would mover forward with the " case favorable to their client '' then threatened multiple times to sue me. 

Attached is all that I have received and the dates are inconsistent and the actual services/account unfounded.
Product: Debt collection

Unsolicited calls from a company called XXXXXXXX XXXX XXXX ( a known scam ) saying I owed a debt of {$31.00} to a cable company from XXXX  via a bounced check. Added fees state I now owe {$300.00} Stated all attempts to contact me were not responded to. I never received anything from DataCheck USA over the last 29 years. Cable company no longer exists. Ive had the same phone number for 24 years. I dont owe anything to these people. I informed XXXX I would file this complaint and for them to inform DataCheck USA of same. I can not even find them online if they even exist. I told them to remove me from their call list.
Product: Credit reporting

Checkr, Inc. 
XXXX, CA XXXX XXXX is reporting outdated information. The information reported to the potential employer is more than XXXX years old and may bar me from getting hired.
Product: Debt collection

I have a debt for {$100.00} on my credit files. I disputed through the credit bureaus. However, I am not getting anywhere because they wo n't removed. When I requested debt validation from this company over 6 months ago, I have not gotten anywhere. I pray this time you will help me to get this debt validated or removed from my credit files. 

PLEASE REVIEW PAGES XXXX & XXXX ON THE XXXX REPORT
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX Balance : {$0.00}
Product: Mortgage

During the closing on my home. Gold Star Mortgage was hacked by an outside source. As a result, I was sent wiring information from one of Gold Star 's employees. Please note Gold Star will respond saying they were not breached and I was. However, prior to the fraudulent email, I had NEVER has email, text or phone conversations with XXXX XXXX XXXX the loan processor ). Gold Star then informed me that in fact she was an employee there but did not send the email to me. Prior to sending the wire transfer, I contacted by phone my mortgage agent, XXXX XXXX. I sent a screenshot of the wire transfer instructions and told her the name of the person that sent the email, Ms. XXXX. She verbally instructed me to send the wire for {$7.00}, XXXX to a XXXX bank account. She was on speakerphone and the XXXX XXXX  Branch Manager, XXXX heard her give me the go ahead. Once the scam was discovered Gold Star immediately became combative and accusatory. My realtor XXXX XXXX was involved, I filed a police report, bank fraud and tried to work out something with Gold Star. They told me they had no responsibility even though my mortgage broker told me to send the money. Please make sure this company can not do this to anyone else.
Product: Credit reporting or other personal consumer reports

I was a victim of the XXXX data breach. 
I want these items deleted from my credit reports effective immediately. 
I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach. 
Please help me delete these illegal accounts from my credit reports. 
Old addresses XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX, XXXX XXXX XXXX XXXX La XXXX Birthday not correct XX/XX/year> is my correct birthday. 
Employment incorrect XXXX XXXX XXXX XXXX XXXX XXXX account # XXXX Reported late
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, MO XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the delete accounts listed IMMEDIATELY! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Hard Inquires Equifax XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also on XX/XX/XXXX I disputed XXXX XXXX XXXX and it came back as verified. I would like to know how this information was verified.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B wants us to delete any wrong accounts from my credit report. Can you check? Some listed accounts have the wrong amounts and dates.