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

Cap1/cbela Inquiry from XX/XX/2020 Someone attempted to open a credit card with my information, it was denied.
Product: Credit reporting

Transunion allowed XXXX credit inquiries from various and same car loan companies to obtain information on my credit report without my permission. I have requested XXXX to remove these inquiries and they have failed to respond or remove the inquiries. Its illegal to obtain a persons credit report without their permission XXXX inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2nd XXXX 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 XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$9500.00} XXXX XXXX XXXX XXXX Balance : {$1000.00} XXXX XXXX  XXXX XXXX XXXX : {$2800.00} XXXX  XXXX XXXX  Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX Balance XXXX {$9200.00} Original creditor : XXXX Balance : {$730.00} XXXX XXXX  XXXX XXXX Balance : {$17000.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX  XXXX Balance : {$9200.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1800.00} XXXX XXXX XXXX XXXXXXXX Balance : {$730.00} XXXX XXXX XXXXXXXX Balance : {$0.00}
Product: Debt collection

THIS IS THE EMAI I SENT TO THE SPECIFIC DEPARTMENT OF SUNRISE DEBT COLLECTION AGENCY THAT HAS TAKEN OVER THE PREVIOUS DEBT COLLECTION AGENCY FOR XXXX XXXX XXXX. 

I SENT THE EMAIL ON XX/XX/XXXX AND THEY STILL DID NOT ANSWER TO THIS DATE ( XX/XX/XXXX ), YET THEY KEEP ON TAKING POINTS OUT OF MY CREDIT SCORE ( XXXX YESTERDAY ). 

I FORWARDED AGAIN THE SAME LETTER ASKING THEM TO PLEASE ANSWER ME BACK. 


To the XXXX at XXXX, I spoke on XX/XX/XXXX to your co-worker XXXX on a recorded line. 

In summary : I told him how frustrated I was in seeing that my credit score dropped by XXXX points on XX/XX/XXXX because " Sunrise Credit Services added a collection to my report ''. 

He told me that I could settle paying {$170.00}. 

The problem he said was that I did not return the equipment in time to XXXX XXXX XXXX XXXX. 

I told XXXX that I had spent numerous hours on the phone in the months following the return of my equipment on XX/XX/XXXX - receipt is attached to this email - stating that I had used the equipment in an apartment complex that had already fiber optics for XXXX & XXXX and that I had returned all the equipment in time. 

I also told XXXX that the previous debt agency had apologized to me for the mistake of XXXX XXXX XXXX and appreciated all the time it took me to tell them about the details of the mis- communication. In fact, the previous debt collection agency stopped calling me because we had settled the dispute. 

This is the explanation why when the first representative of XXXX made contact with me I cut the call short saying that I had settled the dispute. 

Hoping that this email is really the final one in regards of this matter, I ask you to please let me know, in writing that everything is settled and if you can please erase the debt collection so I can get back those XXXX points that I sweat for.
Product: Credit card or prepaid card

I received a letter in the mail stating " We have received your request for a credit product with LOWE 'S issued by Synchrony Bank. Unfortunately, we are unable to approve your request at this time. '' I never applied for this so my identity was stolen. I do not want this to adversely affect my credit or any other financial matters. I would like information as far as steps to take protecting my identity. Thank you for your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Experian received written notification with proof of identification that the address information needed to be updated but they did not update it. Twice i sent in requests that have not been updated
Product: Student loan

I have been dealing with debilitating medical issues since six months after graduating from college. I applied for XXXX clearance of my loans through SallieMae and was denied the first time around. I filed a complaint and within a week was asked by SallieMae to send in a new XXXX application. As frustrating as it was to have to ask the doctor to again fill out paperwork that she had already filled out I complied. My account was apparently placed on an administrated forbearance while the application was processed. However, I was not notified that this was the case ( and my elderly grandmother, who is the cosigner, kept receiving calls and mailings asking for payments, which she made ). After waiting for months for information on the application I received a bill for a very random amount. I called to inquire and after being put on hold for almost an hour and being transferred four times I was finally informed that my XXXX application had been approved. They told me to ignore the bill that everything would be cleared by the following week. After speaking to my grandmother I found out that she had made a payment of several hundred dollars just a few days before and the money was taken despite the XXXX application having been approved!!! It has been a few weeks now and I just received a statement that my monthly payment of more than {$500.00} is due in XXXX! I just called and was informed that I should just ignore it and that it should be cleared before the payment is due. I will try to explain this to my grandmother ( who is nearly deaf ) and hope that she does n't pay the bill again. The customer service and communication of SallieMae has been both manipulative ( in taking advantage of my Grandmother ) and lacking ( as no one informed me even when my XXXX was approved )!!!
Product: Checking or savings account

The information that they provided to me is wrong. They never told me how they came up with the findings or how they think that I am not a victim of identity theft. The delinquent charges of {$480.00} are because I was a victim of identity theft and they continue to charge me for an account that was affected and misused because of identity theft. I have been a victim of identity theft and if they keep on charging me for an account that isn't mine. I will be suing the Huntington National Bank. This is a warning of my plan to sue, if they don't correct this information, I will be suing them for not doing a thorough investigation and breaking down where they found their finding on how my account isn't a victim of identity theft.
Product: Debt collection

I took out a credit card with Commenity Capital Bank for Sephora. I paid off the full balance of {$310.00} on XX/XX/22. They charged me 2x for the same amount. I can provide bank statements to prove they charged me. When I called and told them I was charged 2x they said they would refund me. They refunded me the money 2 months later but said I owed them for returning my money and will be charged fees. I called customer service repeatedly and was told they closed and sold the account on XXXX XXXX to a third party and to contact them. I called the Collector and they provided me with no contact information so that I may have my attorney send them a letter of representation. The customer service rep refused to give me any further information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX XXXX Bank account # XXXX XXXX XXXX XXXX account # XXXX XXXXXXXX XXXX XXXX account # XXXX XXXX account # XXXX XXXX XXXXXXXX account # XXXX XXXX account # XXXX XXXX XXXX XXXX  account # XXXX XXXX XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX XXXX  account # XXXX XXXX account # XXXX XXXX account # XXXX HAS VIOLATED MY RIGHTS XXXX5 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.

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 or other personal consumer reports

I am writing to request assistance with multiple inaccuracies on my credit report that have adversely impacted my credit standing. Despite my efforts to resolve these issues directly with both creditors and credit reporting agencies, I have not received a satisfactory resolution. These inaccuracies include erroneous information regarding account details, duplicated accounts, outdated collection entries, incorrect open or closed account statuses, and unauthorized inquiries, all of which create a misleading portrayal of my creditworthiness. I kindly ask the CFPB to require the involved parties to correct, delete, or update the disputed information on my credit report in line with the Fair Credit Reporting Act ( FCRA ), so that my credit report can reflect my accurate financial history. I am attaching supporting documents and I look forward to your assistance in resolving this matter promptly. Thank you for your attention to this request. 

Bankruptcy XXXX  XXXX Bankruptcy - XXXX XXXX  XXXX Bankruptcy - XXXX Late Payment XXXX XXXX XXXXXXXX - {$0.00} Inquiry XXXX XXXXXXXX XXXX - XX/XX/XXXX Personal Information Also Known As : XXXX XXXX Current XXXX ( es ) : XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, AL XXXX XX/XX/XXXX
Product: Mortgage

Prospect mortgage has had my application since XX/XX/2016 for an FHA XXXX loan only to have an FHA loan process according to the broker.. I have be in contract with the sellers with a short sale home for the same amount of time. I have received a number of contradictory estimates ... the house was initially XXXX and now dropped to XXXX. Closing cost Has been exaggerated and unreasonable and well as contact with the brokers. No phone calls seems to be accepted only emails. As there are many. They are a number of contradictory statements. Please help short sale expires XX/XX/2016. There is so much more to state there were false documents, Appraisals, and a number of other unethical practices.
Product: Vehicle loan or lease

They are not trying to repossess yet. On Friday, XX/XX/XXXX the vehicle broke down on the side of a major highway. I was forced to pay {$250.00} in towing fees and another {$100.00} for a mechanic. This put me at not having enough money to pay my car note. Credit Acceptance Corp XXXX XXXX, MI who is my finance company was immediately called on Friday to tell them what happened and the situation. I told them I had to get ahold of my father-in-law to see about getting help and that as soon as I was assured that I would have help that I would get in touch with them by Friday, XX/XX/XXXX. XXXX week! Since that phone call they called me twice on XX/XX/XXXX, twice on XX/XX/XXXX, 3 times XX/XX/XXXX, and so far this morning, XX/XX/XXXX at XXXX ; XXXX they have called me 4 times and texted me. This is pure harrassment! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX  XXXX XXXX , XXXX XXXX, FL XXXX To Whom it May Concern : XXXX  XXXX. XXXX XXXX XXXX, TX XXXX Equifax XXXX. XXXX XXXX XXXX, GA XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, PA XXXX I recently pulled a copy of my credit report and noticed the following information are in error : Inquires The FCRA states that the only permissible purpose for pulling someone 's credit report is a ) firm offer of credit b ) insurance c ) employment or d ) a court order. 
The following inquiries are related to none of the aforementioned permissible purposes. 

XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + Bank XXXX XXXX Inquiry from XX/XX/XXXX + Bank XXXX  Inquiry from XX/XX/XXXX + Bank XXXX Inquiry from XX/XX/XXXX + National Credit Cards/Airlines XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX + Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Please remove these inquiries from my credit report. I have enclosed a copy of my proof of identity. Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On XX/XX/2022, US Bank allowed a fraudulent person to cash a check for {$910.00} from my checking account. Then US Bank also charged me an NSF fee of {$12.00}. On XX/XX/2022 I contacted US Bank and showed them that someone with a different name than the payee cashed the check. The sent me a bunch of paperwork to fill out. I e-mailed the paperwork back to them on XX/XX/XXXX. Still no refund so on XX/XX/XXXX I contacted the bank. They told me that they had mailed me a new set of paperwork requesting that the payee sign the fraud paperwork instead of me. I still do not have my refund of the money for the check that US Bank should never have cashed.
Product: Credit reporting or other personal consumer reports

XXXX asking for your help to address this incorrect account on my credit report. XXXX raising this issue because it has harmed my reputation, and I urgently need your assistance. Your mishandling of my credit report has brought me to my knees, as the false information has tarnished my reputation. These errors must be corrected so I can continue to live peacefully with my family.
Product: Credit reporting

A loan that was paid off in XXXX 2013 and it is still showing open on my credit report. The company that was servicing the loan is no longer in business. I have a goodbye letter from the lender and a welcome letter from the lender that took over the loan.
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. 

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: Vehicle loan or lease

I fell behind on my payments when the XXXX car sat in repair shops for almost a year. After getting the car back I was making my payments a few days late after the company threatened to repo my car. I replied to their last text saying payment would been made in 4 days when I got paid. The next day they repossessed my car. My payments were not 90 days consecutive missing. I also noticed that all my payments were going directly to interest and nothing to the principal. I called them and tried to make arrangements but the only arrangements they offered were to make an immediate payment or repo. Now for me to get my car back, not only do they want what my loan amount was behind in total but huge fees and bond for a total of {$2100.00}, when payments were only {$320.00}. If one can't pay {$320.00}, how do they expect one to come up with $ XXXX in 15 days? On top of that, to get the car back is the tow and lot fees, which I have not even bothered to check on. I would still have my car had they simply waited 4 days for payment and payments would have been made monthly as required. I have read many reviews on consumer portfolio services and I am not the only XXXX they have done this to. I also noticed a week later the loan company has done a credit inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit bureau Experian stated my account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were properly investigated but how is that possible if the Date Open is inaccurate, Last reported is inaccurate, Date of Last Activity is inaccurate, missing data and in some cases a Charge-off reporting a balance. They dont seem to be practicing Metro 2 Compliance! This is a clear FCRA violation and is grounds for deletion. They also violated my rights under 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 Also, they were asked several times to provide the information below and failed to do so.

1. Balance and all payment history I have supposedly submitted/not submitted, what the payment is for ; 2. Provide 1099c and credit insurance ; 3. Provide original signed contracts with me and collections ; 4. Provide payoff disclosures, interest rate disclosures ; 5. Provide collections ; license number and court documents that allow the collections to continue to pursue this debt in Florida ; 6. Provide documents that states this account was purchased or are you collecting on the original accountholders behalf. Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA they are required to '' promptly DELETE all inaccurate information. ''
Product: Credit reporting or other personal consumer reports

This is my 8th endeavors 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, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Beginning in XX/XX/XXXX I began disputing incorrect information contained in my personal consumer credit report and after several investigations the errors still exist on my credit report. There are numerous errors on my credit report regarding old accounts that have had multiple dates changed and re-aged in order for the accounts to maintain on my consumer credit report. 

Although many accounts have been re-aged to stay on my credit reports an account that was reported by XXXX XXXX/XXXX that was opened on XXXX XXXX and officially closed on XX/XX/XXXX has not been re-aged or has any of the dates changed but the account remains on my credit report being reported by XXXX even though the account was closed over 11 years ago. 

Several accounts have had multiple payment dates and closed dates changed in order for the accounts to stay on my credit report. The accounts that have been re-aged to continue to exist on my consumer credit reports include the account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed on XX/XX/XXXX but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. The account being reported by XXXX XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XXXX XXXX. The account being reported by XXXX/ XXXX was opened on XX/XX/XXXX ; this account was closed in XX/XX/XXXX, but the account has been re-aged and is being reported as being closed on XX/XX/XXXX. 

I believe these accounts have been adversely affecting my credit for over 11 years and my attempts to resolve the issues by filing multiple disputes have not corrected the numerous errors that continue to exist in my consumer credit reports.
Product: Debt collection

I checked my XXXX  report and noticed a negative account for a amount of {$430.00} dollars. I do not know where this came from can you please send me any documents you may have on this account? I attached a screenshot of this account.
Product: Debt collection

I disconnect my phone line from XXXX company last year and they send me last bill on XX/XX/2017 in the amount of XXXX and pay the full amount. when I call them I clearly say disconnect all the line I have in my account and from that point on I did not use any line and till this day on their web site USAGE OF THOSE LINE SAYS XXXX. And now they send me a bill of XXXX for usage on XX/XX/XXXX plus XXXX dollar on XX/XX/XXXX for the line i never used since the first initial contact with them to disconnect all the line when I ask two line is still active BUT as I say I call them to disconnect all of them and doesn't make sense to cancel 3 line and live the other two. Now every time I call they say we will give you credit for those charges but not only they never did that but they send the balance to a collection agency and I can take it any longer. The same exact word I got last month from their agent we will cancel the service and credit you back the amount and I got it Monday. when I ask their supervisor or any body responsible for this kind of mess they told me they are in back of office and their is no way they connect me to solve the problem. Now the bill jump to XXXX dollar. Now they say still those two line are not cancelled why because the billing cycle is till XX/XX/XXXX. I don't have any other way to communicate with them to solve the problem except writing for you. I do appreciate the service you do and expect hopefully something good from you. Thanks.