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

In accordance with the Fair Credit Reporting Act ( FCRA ) these creditors have violated my rights for these accounts : XXXX XXXX XXXX XX/XX/2022 Due to the following : [ 15U.S.C. 1681 ] Section 602A states that I have the right to privacy.

[ 15U.S.C. 1681 ] Section 604A, Section 2 states that a consumer reporter agency can not furnish an account without my written instruction or consent.

[ 15U.S.C. 1681 ] Section 603 Section 2A, Subsection ( iii ) states that communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information may be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. 

I have attached my driver 's license and utility bill showing proof of address.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX, XXXX XXXX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX, XXXX XXXXXXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$3600.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2600.00} ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXXXXXXXXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  - showing my account was charged off but that's not true Syncb care credit-showing my account was charged off but that's not true XXXX XXXXshowing my account was charged off but that's not true
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 


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 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

Lincoln automotive financial was paid on auto pay by XXXX in Ohio. In XXXX they sent me a letter stating theres no monies owed on this account. The car was turned back in at the end of the lease in XXXX, and then XXXX I received a check for an overpayment of {$650.00} from Lincoln financial Automotive. I then come to find out that they had filed suit for money owed in XXXX foXXXX XXXX XXXX  dollars. I was unaware of this until XXXX of this year when I had a application for a credit card denied because of this bill owed. Ive sent all the information to XXXX and Lincoln financial and two collections agencies to no avail.
Product: Vehicle loan or lease

I, Mailed Certified letters on XX/XX/2024 to both the dealership and Registered Agent of the Finance Company requesting Full Accounting according to UCC 9-210. I have not received as of date the current information.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was told that the charge off on my credit file was accurate by all three credit bureaus. I asked them to please make sure everything pertaining to my credit report is correct. Iam disputing inaccuracies on all three credit reports. 
XXXX XXXX XXXX, date openedXXXX, amount {$720.00}. Paid closed. 
XXXX, date openedXXXX, amount {$5000.00}. 
XXXX-Account-XXXX date openedXXXX, amount {$780.00}. 
XXXX XXXXXXXX XXXX-AccountXXXX date opened-XXXX, amount {$550.00}. 
XXXX XXXXXXXX XXXX-Account-XXXX, date opened-XXXXXXXX amount {$1000.00}. 
XXXX XXXXXXXX-Account-XXXX  date opened-XXXX, amount {$300.00}. 
Please provide me these items I previously requested according to the FCRA laws. 
These Items are : Account information, amounts, full validation of each account, the original contract with my signed signature for each accounts, a payoff disclosure, interest rate disclosure, balance history and credit insurance by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

send XX/XX/2022 Hello to whom it may concern, I have contacted the credit bureaus to do a verification of my credit report by mail. They responded within a couple weeks. 
They said they conducted their investigation and updated all information and that everything was accurate. After their investigation I went ahead and researched myself and discovered improper inaccuracies even after they did their investigation. 



In accordance to the Fair Credit Reporting act 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 The following accounts have huge discrepancies. 



XXXX. XXXX XXXX XXXX XXXX XXXX XXXX is inconsistent Last Reported is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX XXXX -Date Opened is inconsistent -High Credit is inconsistent -Credit Limit is inconsistent -Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX -Account Type - Detail : inconsistent -Date Opened is inconsistent -High Credit is is inconsistent Payment Status is inconsistent Last Reported : is inconsistent Date Last Active is inconsistent Date of Last Payment is inconsistent XXXX. XXXX XXXX XXXX Account Status : is inconsistent Date Opened is inconsistent High Credit is inconsistent Payment Status : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX XXXX XXXX, XXXX -Account # is inconsistent -Account Type is inconsistent -Account Status is inconsistent - Date Opened is inconsistent -No. of Months ( terms ) is inconsistent -Last Reported is inconsistent -Date Last Active is inconsistent XXXX. XXXX XXXX Account Type - Detail is inconsistent Account Status : is inconsistent Date Opened is inconsistent No. of Months ( terms ) is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX XXXX  XXXX Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX Account Type - Detail : is inconsistent Account Status : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported : is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX. XXXX XXXX Account Type - Detail : is inconsistent Date Opened : is inconsistent High Credit : is inconsistent Last Reported is inconsistent Date Last Active : is inconsistent Date of Last Payment : is inconsistent XXXX INQUIRY is inconsistent XXXX - INQUIRY is inconsistent XXXX XXXX -INQUIRY is inconsistent XXXX INQUIRY - INQUIRY is inconsistent
Product: Credit card or prepaid card

I can't submit my new card information to the company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted disputes to you and I didnt get a response within 30 days and yall are required by law to do so.Please investigate my disputes, please. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$650.00} XXXX XXXX  XXXX {$1300.00} XXXX XXXX XXXX {$11000.00} XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX FRAUDULENT APPLICATIONS SUBMITTED IN MY NAME AND MY IDENTITY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX.
Product: Debt collection

I checked my credit and Allied Collection service has place a.collection on my credit for {$250.00} They show the account open 3 months ago. I never had any communication with them. I sent them a debt validation letter ( certified mail ) over 30days ago and still haven't received anything I do not owe this
Product: Credit reporting

My CPA has contacted the source and they informed him that they can not find anything filed against me so I am requesting that you either remove from my report or contact them and let me know what I need to do to handle this matter. 
Source XXXX XXXX XXXX XXXX XXXX, MS XXXX ( XXXX ) XXXX
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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

I have used Navient formerly XXXX XXXX to service all of my private loans. I was forced to take a forbearance because my loans had become delinquent as I was not financially stable to make the payments. This led to years of nonstop phone calls and hardship on my credit, which filtered out into other aspects of my life, ie : high interest rates on car payments, not getting approved for credit cards, etc. I have diligently pushed myself as a single mother of XXXX to rebuild my credit so I can provide a brighter future for myself and my children. I have worked feverishly to make all my payments on time for the past 3 years, however I have only been able to pay towards the interest of these loans. It has only been since XX/XX/2016 that a small fraction of my hard earned money has begun to be put towards the principal of the loans. It is a constant worry and stress on myself and my family thinking of how long it is going to take to repay this debt. Forcing someone to choose between being able to feed their family or make their student loan payment is cruel but sometimes a harsh reality. A little consideration and help can truly go a long way for someone who is struggling and does n't always have the means to make ends meet.
Product: Credit card

Capital one keeps calling me after I told them to only contact me through mail. I asked them to correct the information on my credit report as it is incorrect and goes against FCRA and its my right to have a correct credit report. This account shows as a charge off as bad debt but yet has a past due balance of XXXX and they continue to call to get money after they have already charged it off on XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Regardless, the requests I have sent out were consciously neglected which I considered being unprofessional on the Bureaus end. This will be my final attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate deletion of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry. 
Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor. 
Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"
Product: Mortgage

a mortgage co.named XXXX XXXX bought my mortgage from XXXX XXXX they sold it to s.l.s. specialized loan service s.l.s. started making my realestate tax payments without my knowledge they claimed I was not paying them so they reported to credit bureau my rating went from XXXX to XXXX so now I can't get a refinance I pay my homeowners ins s.l.s. sent a fax to travelers telling them I filed bankruptcy and my home of 33years was in foreclosure both lies I have a copy of the fax they sent to travelers travelers told my agent I have 20 days to prove otherwise I did that the last I've heard from them summing up my good credit of 50 years is shot I had a XXXX last XXXX. I can't get out from under s.l.s. can you help me? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX minnXXXX XXXX XXXX
Product: Debt collection

it appears on my credit report, as governed by 15 UDescription of Inaccurate Information
Product: Payday loan, title loan, or personal loan

My elderly veteran father was taken to Suntrust Bank in XXXX XXXX, NC. 
An approximate {$200000.00} line of credit was taken out against his free and clear house/property. The circumstances were nefarious, the moneys whereabouts suspect to date. 
Someone set up a Suntrust checking account set on auto pay for approximately $ XXXX/mo to pay the note. 
My Dad died XX/XX/XXXX. Someone fraudulently represented themself as his POA. They closed his account days after he died, then called the same local branch to inquire : How long will it take for the foreclosure to complete? They want the land. 
I immediately began to contact Suntrust Bank by XX/XX/XXXX trying to make the payments until I could get get to the bottom of who issued the loan to an old man with a XXXX? I am the sole heir to my Fathers estate. Suntrust refused to speak with me, for several months. I recorded my interactions and the Suntrust runaround. Dads account was set up to go into foreclosure long in advance. Suntrust has a senior executive on the inside related to the person who closed the auto-pay account, for starters. 
Suntrust sent third party scabs who demanded cash if I did not want foreclosure. 
Suntrust then claimed to my attorney that I have always been welcome to make the payments. Suntrust still refused to accept my money. 
Now? Suntrust has moved the account over to their Foreclosure specialist law firm of XXXX XXXX XXXX. 
This foreclosure law firm claims the loan is 326 days past due, in foreclosure, and that I owe them for their legal fees, and {$10000.00} in interest, plus {$10000.00} monthly payments due to the late, foreclosure status. 
These people should be drawn and quartered by the veterans association, and the feds for deliberately taking advantage of an elderly, XXXX veteran, and for intentionally forcing foreclosure proceedings to profit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Equifax multiple times due to them combining mine and my brothers credit scores. My brother has filed many online disputes ( as he is the only one that can have access to an online profile- I am not given access to an online profile as they stated they can not fine my credit score?? ), and I have sent them a dispute via FAX ( number I was given by their worker ) XX/XX/2021 XXXX XXXX attn : dispute. They have my DOB and SSN listed under my brothers profile and out credit cards, inquiries are all mixed up. This has caused us not to be able to get certain loans, cars, etc due to this. It has caused higher interest rates and XXXX XXXX I can not get to through to them no matter what and I need someone to assist me in this. 

Their Dispute number for live reps. does not work, it states something about being closed due to covid?? The online disputes come back stating that they reviewed SSN card, Drivers Licenses and all other documents but no updates are very made nor are the credit cards split up how they should be and two profiles made.
Product: Credit reporting or other personal consumer reports

I been receiving alerts my information was found in dark web, I have inquiries on my credit that i did not authorized I have called companies they are not able to give me any information
Product: Credit card or prepaid card

I had to two accounts with American Express, cancelled one on XX/XX/XXXX and the second on XXXX/XXXX/XXXX. The first was cancelled - no issues. The account closed on XX/XX/XXXX has still not be been closed even though I called them on XXXX. I even mailed a letter complaining about the reason I closed the accounts, to no avail, and yet, the second account still remains open! I do have a problem with a company that ca n't process payment 8 days from the time I mail the check, and manage the to cash the check on the 9th day so that they charge an extortion rate interest charges.
Product: Money transfer, virtual currency, or money service

Re : Venmo and adding funds I have been using Venmo since XXXX and I have been able to add money to my Venmo account balance using a checking account until XXXX of XXXX. The last time that I added funds was on XX/XX/XXXX. 

However, on XX/XX/XXXX, Venmo updated their terms and they changed their policy on adding money to your account. 

I tried to add additional several times during the first week of XX/XX/XXXX and submitted an inquiry on why I could not add funds on XX/XX/XXXX. 

I received a response the same day : " At this time, only users who have applied for and activated a Venmo Debit Card have the ability to add funds to their Venmo balance manually. If youd like more information about applying for a Venmo Debit Card, you can find it by visiting : https : //venmo.com/about/debitcard/ from a browser. Keep in mind that you dont need to add money to your Venmo balance to pay friends or businesses in the app. '' This is a complete loss of functionality for this service and I should not have to divulge valuable personal information ( e.g. SSN ) to apply for another debit card that I do not need. If Venmo wants to operate as a traditional bank, then they should be subjected to bank rules and not advertise as a social payment app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my Trans Union, XXXX and XXXX   credit bureau reports and I have confirmed there are multiple credit inquiries that are were in fact NOT authorized by me. I attest and affirm that I did not authorize these inquiries and I understand you shouldn't be allowed to put an inquiry on my file unless I have authorized it. I requested all three credit bureaus investigate the inquiries to determine who requested each inquiry. Furthermore, I included a copy of a XXXX XXXX, Maryland Police Report which indicates that my identity has been breached. It is my belief that the persons responsible for applying for credit with my information are responsible for that breach. 

I sent my complaint to all three credit bureaus Certified Mail Return Receipt and did not receive anything from any of the credit bureaus. No responses at all. 

THE FOLLOWING COMPANIES HAVE PLACED INQUIRIES ON MY CREDIT BUREAU REPORT : XXXX XXXX XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX MAIL ONLY XXXX XXXX  XXXX XXXX XXXX VA XXXX XXXX/XXXX  XX/XX/XXXX XXXX - XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX ME XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX Address XXXX XXXX XXXX XXXX MD XXXX XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX SD XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX DE XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX   XXXX  XXXX XXXX OH XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX   XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX VA XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX XXXX/XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX THE FOLLOWING COMPANIES DID NOT PROVIDE CONTACT INFORMATION ON MY CREDIT BUREAU REPORTS XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX/XXXX  XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX-XXXX