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

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed XXXX its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify XXXX remove the inquiries and its been 60days n they record the calls XXXX admitted they had my police report XXXX ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting or other personal consumer reports

in accordance with the Fair credit reporting act Account # XXXX 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: Mortgage

Hello, we purchased as home in XXXX. We just sold our home in XXXX. I have been researching the loan payments and how it was processed. There are discrepancies with the fees that were charged and how they posted payments. I contacted nationstar about this in early XXXX they s ed not me a detailed transaction print out for XXXX and I see several times we were charged 2 times for the same transaction. I tried to contact a Texas where they re located and they told me to contact my state. Do you know who I need to speak with and how I can go about this? 

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

VIEWING MY CONSUMER REPORT AND NOTICE INFORMATION LISTED THAT I NEVER GAVE WRITTEN AUTHORIZATION TO REPORT WITH IS A VIOLATION OF 604 ( a ) ( 2 ) THESE ACCOUNTS LISTED HAS SET MY LIFE BACK AS I HAVE NOT BEEN APPROVED FOR ANY BANK PRODUCT OR SERVICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to get these negative items that are inaccurate off of my credit report. I have received no requested responses from XXXX, Transunion, or XXXX! 

Transunion XXXX XXXX XX/XX/2022 Re : Account # XXXX # XXXX # XXXX XXXX XXXX Address is NOT my address ; please remove immediately Dear Transunion Representative : This is a formal complaint about a duplicate collection account appearing on my credit report. This inaccurate reporting is penalizing me unfairly and illegally ; and this is causing me distress as it is damaging my credit. 

Delete the account stated above immediately. It does not belong on my credit report as it is ( 1 ) inaccurate, ( 2 ) duplicate, and ( 3 ) outdated.

I look forward to a swift and amicable resolution to this matter. 


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

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX, XXXX, XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$1900.00} US DEPT ED XXXX Balance : {$17000.00} US DEPT ED XXXX Balance : {$78000.00} XXXX XX/XX/XXXX According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is n't collecting on the debt so why is your company still have it listed, requesting removal
Product: Vehicle loan or lease

I purchased my vehicle, with a pre-approved loan from XXXX XXXX XXXX, from Total Auto Finance in XXXX, Virginia. I tried to set up my account so I could make my payment online, it kept kicking me out. I called Total Auto Finance to discuss the issue, and they informed me that my account was with XXXX and that is who I should be making my payments to. So, I got in touch with XXXX, made my first payment on XX/XX/21, for {$340.00}, it wasn't due till XX/XX/21. I received a phone call from Total Auto Finance on XX/XX/21, stating my payment was late. I explained to them what they had told me originally, sent them the confirmation email I received from XXXX, everything was fine. So I thought. My next payment, I paid to XXXX on XX/XX/21, for the amount of {$340.00}, the day it was due. On XX/XX/21, I received a phone call from Total Auto Finance stating they were going to repossess my vehicle if I didn't make a payment to them. Again, I explained to them what they had originally told me in the beginning. I sent them the confirmation email I received from XXXX. I spoke with someone from XXXX that evening, and they said that Total Auto Finance had purchased the account from them, and any correspondence going forward regarding my account had to be made to them, Total Auto Finance. I had been trying to contact Total Auto Finance through email, phone calls, and text messages, trying to find out what my new account number was, so I could set everything up and make my payment online. They finally called me back yesterday, to tell me to just call them and they could do everything over the phone. I really don't want to do it over the phone, because, at this point, I really have zero trust in this company in their abilities. 
Today, XX/XX/21, I received a threatening email stating that my insurance on the vehicle had expired, and that was cause for the vehicle to be repossessed. I contacted XXXX XXXX to verify my insurance was still active, and they assured me it was. I just made a payment on XX/XX/21 in the amount of {$180.00}. I sent Total Auto Finance the confirmation email from XXXX XXXX regarding this payment. 
Total Auto Finance seems to have a real strong desire to repossess my vehicle. I feel the harassment I am receiving is completely unwarranted and unnecessary. Total Auto Finance seems to be a very unprofessional organization. The only emails I receive are threatening to take my vehicle. 
There is no telling how many other customers they have repossessed vehicles from due to their incompetence. If I mess up on my end, that is one thing, but I will not be treated this way due to the ineptness of their records keeping.
Product: Credit reporting, credit repair services, or other personal consumer reports

My ex fianc open up accounts in my name without my knowledge. I been trying to dispute the accounts on my credit report for the last two years and they keep saying the accounts are verified, I put a freeze on at XXXX XXXX ( company that keep supplying the same info ) so I dont know how they are investigating the matter. My ex fianc also is willing to write and accept responsibility for what he did. XXXX, Equifax, XXXX XXXX.
Product: Credit reporting

Trans Union is misreporting my XXXX account. It was charged off in XXXX however, XXXX is reporting 120 days late to Trans Union as recent as XXXX XXXX. Please get XXXX and Trans Union to correct this item right away as it is destroying my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

It's almost 60 days today since I've sent disputes last XXXX2020 regarding to those unknown and inaccurate accounts that I found on my credit report but I haven't received any response. Im a victim of Equifax data breach. I demand that all inaccurate and unknown accounts REMOVE immediately on my credit report or I will file a litigation that cause me stress.
Product: Debt collection

Nationwide Recovery placed a collection on my consumer credit report without following the proper procedures and they are in VIOLATION of the following federal laws : 15 USC 1692G-I never received an initial communication from this debt collection company about the alleged debt or the ORIGINAL CREDITOR. I searched for the original creditor it shows XXXX Texas XXXX is permanently closed. 
Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( XXXX ) the amount of the debt ; ( XXXX ) the name of the creditor to whom the debt is owed ; ( XXXX ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( XXXX ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( XXXX ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 


Also, this company is NOT the original creditor for the alleged debt how can this debt be validated I have never had a contract or a wet signature with Nationwide Recovery. 
According to 15 USC 1692J-Nationwide recovery is in violation of this law as well as the alleged debt that is currently reporting on my consumer credit report hasn't been validated by myself as the original creditor or the closed hospital the is reporting. 

( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 

This is also a HIPPA violation for reporting an alleged debt without my consent or providing me the signed HIPPA notice
Product: Credit card

XXXX   CREDIT CARD AT XXXX WILL NOT CLOSE MY ACCOUNT. I A PAID THE BALANCE IN FULL AND THEY KEEP CHARGING ME A MONTHLY FEE. I HAVE CALLED 4 TIMES TO CANCEL AND WAS TOLD MY ACCOUNT WOULF BE CLOSED AND I WOULD BE SENT A LETTER. BUT THEY KEEP IT OPEN AND KEEP CHARGING ME !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX XXXX XXXX from XXXX XXXXXXXX XXXX XXXX for {$48000.00} in XX/XX/XXXX, but they added so many unidentified item including some warranty of {$10000.00} that i was not told about and i did not asked for, causing them to take out a loan of {$73000.00} from XXXX in my name. When i found out, i went to them but they refuse to let me out of the contract, instead, they offered me {$4.00} but a lawyer friend of mind informed me that something seemed very wrong and fraudulent here and that i should go back to them, when i did, they offered me another {$6000.00} and made me sign a lots of paperwork and told me that i could not discause this with anyone and that i should continue paying the {$1300.00} per month. This illegal act has distroyed my life and threatened my marriage to its core, Please help me.
Product: Credit reporting or other personal consumer reports

Experian and XXXX refuses to remove inaccurate information off my credit file after XXXX XXXX in identity theft report and police report
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Your agency is in violation! 
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. 
Delete this at once! 

Listed below are the Accounts that are being challenged 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  Listed below are the Inquiries that are being challenged XXXX XXXX XXXXXX/XX/2023 XXXX  | XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Equifax consumer credit report and file and the following inquiries are unauthorized : XXXX XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX, XXXX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX/EQUIFAX - XX/XX/XXXX, XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX EQUIFAX UPDATE XXXX XX/XX/XXXX, XX/XX/XXXX EQUIFAX - XX/XX/XXXX, XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX LVNV Funding LLC XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Dispute of Debt Collection Activity Request for Validation Dear LVNV FUNDING LLC, I am writing to formally dispute the recent collection activity on my account, referenced by XXXX. I have significant concerns regarding the validity and legality of this collection effort and am requesting your immediate attention to address this matter. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to proper validation of the debt, which includes : The original creditors name, The amount owed, and Detailed information about the transactions related to this debt. 

To date, I have not been provided with this essential information, nor have I received prior communication regarding this alleged debt. The FDCPA mandates that debtors must be informed about their debt and provided the opportunity to dispute it before any collection efforts begin. Your failure to communicate these details prior to initiating collection raises serious concerns about compliance with federal law. 

I hereby request that you : 1. Cease all collection activities immediately.

2. Provide the full validation of the debt as outlined above.

If these actions are not taken within 15 days from the date of this letter, I will have no choice but to file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and explore all legal remedies available to me. 

I look forward to your prompt response and resolution of this matter. Please ensure all correspondence is sent to the address listed above. 

Sincerely, XXXX XXXX
Product: Credit reporting

Company reported debt in collections as paid and requested removal in XXXX XXXX, 2016. Transition is on reporting agency not updated correctly
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft, resulting in multiple fraudulent accounts, collections, and inquiries on my credit report that I did not authorize. Attached is my official Identity Theft Report from the FTC, providing proof of this fraudulent activity. The following accounts, collections, and inquiries do not belong to me and were fraudulently added : Fraudulent Accounts and Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello to whom it may concern, It has came to my attention that someone has done fraud with my information and has tried to open up multiple types of credit lines with different lenders giving me about 10 inquiries in one month of XXXX Which is outrages for me to do personally. Ive attached photos of the companies with dates and its every single one coming to a total of 11. Ive asked for the removal and nothing. I just filed for XXXX XXXX  and would like to have these removed to start the rebuilding process.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax knowingly engaged in the act of false reporting of account balance information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXXXXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Card Services Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX XX/XX/XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 





In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 




In accordance with the Fair Credit Reporting Act, XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions. 



In accordance with the Fair Credit Reporting Act, XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602A states I have the right to privacy. 

15 U.S.C. 1681 Section 604A Section 2. States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting

Up until recently ( XX/XX/2015 ) I was a member of the Experian bureau 's online credit tracking. For the past 3 years, I used the site as a measure to help work on my credit. When I first started, based on the credit tracker, my credit score was XXXX. This site provided a great resource in showing what accounts were negative or what kept my credit score low. As I began to work on my credit, based on the report provided by Experian 's online credit tracking, I started to see improvements in the score it provided. Now 3 years later ( XX/XX/2015 ), based on the site, I have a credit score of XXXX. I felt comfortable with the progress I made and used the information ( Credit Score ) the site provided to determine whether or not to apply for loans and credit cards. I recently applied for a Small Business line of credit with XXXX XXXX. Unfortunately, I was denied due to my credit score. Once I heard the news I was shocked. Then I received the letter from XXXX XXXX saying that my credit score reported from Experian was a XXXX! In disbelief, I checked to see what my score was around the time XXXX XXXX pulled my report. XXXX XXXX pulled my report on XX/XX/2015. I did n't pull my report on XX/XX/2015. But I did pull it on XX/XX/2015 and again on XX/XX/2015. On both dates, my score as reported by Experian was XXXX. I would like Experian investigated for providing false information or for misrepresenting their online service.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX  XXXX .... Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$1200.00} ; XXXX XXXX XXXX XXXX XXXX .... Balance : {$310.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$470.00} ; XXXX  XXXX XXXX XXXX Balance : {$61.00} ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX CT XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX MO XXXX ; XXXX XXXX XXXX  XXXX MO XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX  Date XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXXXXXX Date of request XX/XX/XXXX ; XXXX Date of request XX/XX/XXXX ; XXXX XXXX XXXX XXXX via XXXX  XXXX XXXX XXXX XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX Requested On XX/XX/XXXX ; XXXX XXXX XXXX Requested XXXX XX/XX/XXXX