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

equifax enrolled me when i did not click on enroll
Product: Credit reporting 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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

This is just troublesome! The Credit Bureaus have been ignoring my letters as well as their responsibility to comply with the FCRA section 605b! I have been sending dispute letters asking for the Credit Bureaus to remove the dispute accounts and information from my Credit Report for I believe I have been a victim of identity theft. The last letter I sent was dated XX/XX/2022 with complete attachments of my personal information such as my Driver 's license as well as the ID THEFT REPORT I received from the FTC. I have been a victim of identity theft and that the Items I am disputing were the results of such crime. By the provisions of the FCRA section 605b, I am submitting this CFPB Complaint to request that the Credit Bureaus remove the following fraudulent items completely from my Credit report as soon as possible : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX VERSE ) XXXX Balance : {$230.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$710.00} XXXX XXXX XXXX Balance : {$1400.00}. If the Credit Reporting Agencies feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly.
Product: Student loan

On XX/XX/2021, I sent Great Lakes a letter stating that the loan on file for {$44000.00} is not correct and demanded a removal off my consumer report. They followed up on XX/XX/2021, by stating the debt was paid in full, closed, paid, and the balance as '' XXXX ''. Great Lakes violated 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ). Take further notice that Pursuant to 15 U.S Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval stating that someone other then me a consumer, in fact, is the creditor when I am the creditor Pursuant to 15 U.S Code 1692a ( 4 ).

Great Lakes has violated my consumer rights by using my credit card and I the consumer received no benefit. Congress has said so under 15 U.S Code 1602 ( p ). The term " unauthorized use '', as used in section 1643 of this title, means a use of a credit card by person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit. Only I the consumer and natural person have authority over my credit card because I am the cardholder the natural person.
Product: Money transfer, virtual currency, or money service

I have some money sitting in my Buying Power on my account from dividends that posted after I cleared out all my other balances after my account was unjustly closed. I'm unable to transfer these dividend funds out as I have not been given an option too. I can not get into contact with any human representative now, neither via the chat support on the app, nor via email. On the app, I'm told to email. If I email, I'm told I need to use the chat support on the app. It's impossible for me to get any sort of response now.
Product: Debt collection

On XXXX XXXX, 2018 at XXXX XXXX. a female representative from " IC System '' asked me to verify my address to discuss private information. I could not and did not verify my address, and the disgruntled representative rudely said she would be " sending a letter anyway '' to an address not specified. I have no idea where this letter was sent, or what information was on it, or if it even belonged to me. 

If my private information is out there, I have a right to know where it was sent. However, I was told a letter would be sent to an unknown address, that I did not verify.
Product: Credit reporting or other personal consumer reports

I am formally requesting this letter to update the following accounts in my credit profile which appear to be fairly misleading and erroneous. According to the Fair Credit Reporting Act, 15 USC sections 1681i, you are obligated to finish your investigation within 30 days ; please do so, otherwise, you will be in violation of the Fair Credit Reporting Act. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

i am filling this FTC identity affidavit to report 2 separate fraudulent accounts appearing on my consumer fico credit report that i dont recognize as reported and which are the results of identity theft and fraud. these fraudulent accounts consist of personal credit card around may account opend with XXXX XXXX XXXX on XX/XX/2021 XXXX These accounts have resulted in hard inquiries on my consumer credit profile. I demand that aforementioned fraudulent items be removed from each of my consumer reports and that all collection activity related to said items cease pursuant to my rights with in the FCRA and FDCPA laws.
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Late Payment : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX PREVIOUS ADDRESS : XX/XX/XXXX CURRENT ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX CURRENT ADDRESS : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX EMPLOYER : XXXX EMPLOYER : XX/XX/XXXX ___________________
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX XXXX Account Number : XXXX
Product: Debt collection

This is the XXXX collection notice I received about " XXXX '' I have a business account with XXXX and checked my account as well as through XXXX website putting in account # on invoice and it does not come up. 
Synter Resource Group LLC XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX http : XXXX XXXX or XXXX is trying to collect original Creditor : XXXX  Customer Accoount : XXXX file number : XXXX the amount of {$51.00} The mailing address is XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Mortgage

The company is Finance of America commercial and loan number is XXXX. I have had a loan with FACO since XX/XX/XXXX approximately and never had a late payment till XXXX because of Covid 19. I lost my rental income and a huge chunk of investment income and to add to it, a worker working on my home XXXX XXXX XXXX caught Covid 19 and work was suspended for a month and a half with the lock ups. I applied for loss mitigation and had a few questions regarding what was needed and the rep I was working with XXXX XXXX did not respond. The next thing I got was a letter saying I did not meet the guidelines. I was late in XXXX payment and had to pay the late fee of {$360.00} to get a draw. I had money for XXXX which i borrowed and attempted several times to make the payment but I was unaware that my XXXX   account was hacked and bill pay was suspended. I kept going back and forth with XXXX until i figured this out and had to do a wire instead. XXXX, I did my best and only still secured payment later on. My whole purpose of this email is to ask if it's too much for FACO to give consideration to its customers who were hit by Covid 19. Isn't it a bit extreme to expect payment on time when there's lost income and sick workers working on the fix and flip? I really thought a company with values like yours would at least try and work with the customers? It's quite unfortunate what I have experience. I owe {$790.00} in my account, I can't get a draw, I don't have that money. I don't know what else to do.
Product: Credit card

I made a purchase on the card and returned some items using their required packaging/label. The return was received at their warehouse on XX/XX/year>. I was told it would be three weeks for the credit to process. I have called XXXX to find out why after FIVE weeks the credit has not processed. The amount of the credit exceeds the balance owing and they are now charging me monthly service charges. Comenity/Bread Financial - the company offering the store card and XXXX XXXX - the store have me going back and forth between the two with neither able to tell me why they can tell me the amount of the credit but they can not tell me why it has not posted to my account. They have said the return 'failed to post ' but the date for the failure is BEFORE the item was even returned!.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am showing 2 derogatory accounts on my credit that I have disputed in the past with all three credit bureaus. The only credit bureau that continues to report the accounts in question is Equifax. Equifax has blocked my report and refuses to report a score for no reason other than a previously reported identity theft to them. Also with the accounts that are in question both accounts have incorrect information the XXXX XXXX  leasing was found not even to have my Social Security number these were a result of ID identity theft. When XXXX XXXX credit leasing was questioned they originally admitted that they had my social as ending in XXXX, ( I do not have the account number but it is included on page 23 of 36 on my credit report attached ) this is not my social and all of the information on the application was incorrect did not match me it was a result of identity theft. The next account coming from XXXX XXXX XXXX I have disputed on several occasions. XXXX XXXX XXXX continues to reseal this information to different debt collectors after they have been advised that this was a fraudulent account as a result of identity best. XXXX XXXX XXXX has been negligent in selling this information to now professional account services. I just disputed the same bill on multiple occasions from two other debt collectors that I had to dispute and have the same account removed for {$150.00}. This has been a burden and Equifax has been the only company to continue to violate the law by reporting these items even though I have supplied them on multiple occasions with disputes and police reports showing identity theft.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting Act XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXhas 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 an account without my written instructions
Product: Debt collection

Company issued me a statement with a balance due in 7 days. The letter arrived 9 days later. For a XXXX XXXX authority debt on a sold vehicle. The plates were left on the vehicle, which was explained. Nevertheless, the debt collector is pursuing this debt. I have all proof of sale ( XX/XX/2020 by offering to salvage ), title transfer, and other items, yet this firm insists not to respond and approach me with insidious credit damage. Not acceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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 alleged fraud or extortion XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX XXXXXXXX XXXX XXXX Balance : XXXX  XXXX XXXX XXXXXXXX Balance : XXXX  XXXX XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XX/XX/2022 Attn : CFBP I, XXXX XXXX XXXX consumer, and natural person, am aware of all rights that I have, which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
1. Account Name : KLIMA, PETERS & DALY, P.A Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation. 
2. Account Name : XXXX Account Number : XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. 
Delete this account immediately, unless you want to be held {$1000.00} per violation 3. Account Name : XXXX Account Number : XXXX XXXX XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy.

15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agenc
y can not an account without my written instructions.

Delete this account immediately, unless you want to be held {$1000.00} per violation 4. 4 Account Name : XXXX Account Number :

FILE # XXXX 15 u.s.c 1681 SECTION 602 a. States I have the right to privacy. 15 U.S.C 1681 Section A Section 2 : It also states a consumer reporting agency can not an account without my written instructions. Delete this account immediately, unless you want to be held {$1000.00} per violation. 

Sincerely, XXXX XXXX XXXX
Product: Debt collection

After reviewing my latest credit report, I discovered several accounts that appear to have been added without my authorization. Please block and remove these fraudulent entries from my report right away.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, I have reviewed my credit profile and have noticed the alleged account ( Capital One Bank USA ) that Is reporting to your bureau with a number of Discrepancies in the ( account ending in XXXX ) with the following information ( Name of Creditor : Capital One Bank USA NA ), ( CLOSED DATE XXXX XXXX ), ( minimum monthly payment -- ), ( Worst payment -- ), ( LAST payment XXXX XXXX ), ( account closed by credit grantor ), ( CONTACT ADDRESS XXXX XXXX XXXX Virginia, XXXX USA ) is being reported on XXXX. 

However, XXXX  is reporting the same alleged account ending in ( XXXX ) information ( NO CLOSED DATE ), ( Name of Creditor : Capital One Bank USA NA ), ( minimum monthly payment {$0.00} ), ( LAST payment XX/XX/2021 ), ( REMARKS : canceled by credit grantor ), ( CONTACT ADDRESS XXXX XXXX XXXX XXXX XXXXXXXX XXXX, UT XXXX USA ). 

If this is the same creditor, the information would reflect the same information and not be different. 
I have enclosed for validation a screenshot of the alleged account information and the inaccuracies reporting to XXXX and XXXX, showing the different in this alleged Information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX  XXXX SANK 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
Product: Credit card or prepaid card

Back in XXXX of XXXX, I had some work done on my furnace. Through a company named XXXX XXXX XXXX XXXX XXXX XXXX. The work was completed to my satisfaction, and they also offered zero Finance promotional credit which I took advantage of. This promotional credit was through Ally Lending FDIC Cert # XXXX. If I paid the balance off within a year, there wouldnt be any interest add it to my account. I paid off the loan in 10 months on XX/XX/XXXX. Per their instructions, I set up an automatic payment of {$350.00} every month. In XX/XX/XXXX the last payment should have only been {$310.00}, but they took the full amount to {$350.00}. I reached out to their client service department, and they told me I had to wait two weeks to file a complaint for the overpayment. I felt that that was unacceptable and let them know that. I waited until XX/XX/XXXX, and filed a complaint, I was hoping that this would be resolved in a timely manner. It's now over a month and I still have not received a refund for the overpayment that they took an error. Ally lending employee customer service basically gave me the run around couldn't give me a date of when this is going to happen and said that they had nothing they could do at this time. The representative also said it's just {$40.00} why you are making a big deal about it. All along the way, these this company 's employees have been rude and unhelpful. I would like to file a complaint against Ally lending for failing to return the overpayment in a timely manner. 

Contact information : XXXX XXXX XXXX XXXX XXXX XXXX Unit P XXXX XXXX, XXXX  XXXX Ally Landing Account Number XXXX XXXX XXXX XXXX Last 4 digits of my Social Security Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my report that I did not make and I do not recognize I am part of the Equifax lawsuit
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion, XXXX, and XXXX for their continued reporting of an inaccurate and closed child support account on my credit report, which is in violation of the Fair Credit Reporting Act ( FCRA ), specifically under U.S. Code Title 15, Section 1681. 

The account in question XXXX XXXX Family Support Division XXXX XXXXXXXX is inaccurately reported under a name that does not legally correspond to mine. Additionally, this account has been closed due to this inaccuracy by the creditor and, as such, should not be appearing on my credit report at all. The presence of this incorrect and outdated information is adversely affecting my credit score and, subsequently, my financial opportunities. 

The FCRA mandates that credit reporting agencies must ensure the maximum possible accuracy of the information they report. The continued misreporting of my closed child support account, along with the discrepancy in the name associated with the account, constitutes a clear violation of these regulations. 

I have previously attempted to resolve this matter by contacting TransUnion, XXXX and XXXX directly and have disputed this account, highlighting its inaccuracies and requesting its removal. Despite these efforts, the account continues to be reported, demonstrating a failure on their part to adequately investigate and rectify the inaccuracies in my credit report. 

Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in this matter. I respectfully request that the CFPB : 1. Investigate the reporting practices of TransUnion, XXXX and XXXX in relation to my credit report. 
2. Ensure the immediate deletion of the inaccurately reported and closed child support account from my credit report. 
3. Confirm that all future reports byTransUnion, XXXX and XXXX ] are accurate and compliant with the FCRA. 

Enclosed with this letter are copies of my previous correspondence with [ Credit Reporting Agencys Name ], as well as evidence supporting the closure of the child support account and the discrepancy in the name reported. 

I appreciate your prompt attention to this matter and look forward to a resolution that corrects my credit report and upholds the standards of accuracy and fairness as mandated by the FCRA. 

Enclosed is the statement from the agency closing my account along with the continued inaccurate information pertaining to my legal name. Also enclosed is my legal ID and proof of my legal name which proves this account inaccurate and in violation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX were managed by XXXX. Those loans were paid and transferred to XXXX. Now, both XXXX loans and XXXX loans are listed on my credit reports. I disputed the inaccuracies with Experian twice and the company continues to list XXXX as open. I also included copies of the paid off account statement from XXXX 's website to Experian. 

It appears to creditors that I have {$360000.00} in student loan debt when I only have {$180000.00}.
Product: Prepaid card

Irecieved a consumer credit report claiming I was denied for AMEX serve card. upon contacting American Express I was informed that I was approved and there should be no reason on any file to deny my Request since the Credit Company itself did not deny me access.
Product: Checking or savings account

I got XXXX emails today ( Tuesday XX/XX/year> ) from Wells Fargo, all while I was not on my phone so I didnt do anything, stating that my credit card account and my checking ( debit ) card account was linked successfully to XXXX XXXX I have never given consent for Wells Fargo to link my accounts to a third party. It is not showing up in my digital wallet as it states it should because I DID NOT CONSENT TO THAT. And now they are making me close those cards to protect my accounts although they were the ones who made this happen!