23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and this is not a third party disputing this issue .I am being taken advantage of by transunion, XXXX and XXXX. These three companies are violating my rights given to me by the FCRA. I didnt give them permission to access my non public personal information. Nor did I consent for them to furnish anything on my consumer report. According to 15 USC 1681 B2 my permission is needed for any person to access or furnish on my consumer report. They permission wasnt granted by me. Not only are inquiries being reported without due cause. My right to privacy has been infringed upon due to these fraudulent and inaccurate reporting. I have a right to privacy according to 15 usc 1681 ( a ) ( 4 ) I demand that each and every item Im disputing to be removed. There is no way any person can validate fraudulent activity. Due to my identity being used without my consent this is theft as defined by 18 usc 1028 ( a ).
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I opened a Care Credit account with Synchrony Bank. I made all payments on time, usually ahead of schedule and paid off the account, although it remained open in case I needed additional dental work. The experience improved my credit due to the timely payments and the addition of {$1500.00} to my total credit ( impacting the ratio ). 
In XXXX I began receiving daily calls regarding a Penny 's account that I do not own. When I called the number in the message to clear it up, I found it was a Synchrony card. Since my social security number wasn't attached to the card, I was unable to speak with anyone about the problem and had to submit a secure message.. 
I simply asked that they remove my phone number from the account, making clear that the Penny 's account was not mine. I also warned that this could be a sign of fraud and they should investigate. 
I received confirmation of the complaint on XX/XX/XXXX ( attached ) I began receiving letters saying they would get to it soon. I was never asked any questions, nor was it ever clear that an investigation had taken place. 
On XX/XX/XXXX I received a letter ( attached ) stating that they had determined that my Synchrony care credit account had not been opened by me! It most certainly had!! 
They had closed the account and said I wasn't responsible for anything. I had monthly payments for nearly a year and they all disappeared. 
I tried to contact Synchrony by phone, finally speaking with XXXX on XX/XX/XXXX. I explained the situation and requested they open the account and make sure that the good credit acts were all attributed to me. She said she would check with fact finding and I should call back. 
I called back today, XX/XX/XXXX and was told that they could not reopen the account. 
I want my credit intact -both on the report and the credit extended. Furthermore, they need to change their investigation process. 
Please investigate Synchrony 's investigation process, internal practices, and provide some redress.
Product: Credit reporting or other personal consumer reports

I request your support in dealing with this wrong account on my credit report. I have brought this to your notice because it has tarnished my reputation, and I require your help. The incorrect details on my credit report have caused significant damage to my reputation. It is essential that these inaccuracies be corrected so that I can live with my family.
Product: Debt collection

I have been writing letters and I haven't gotten any resolve. I have sent XXXX validation letters on these dates ; XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. I have not gotten any paper work that states I owe them anything. The original bill was from Capital One, and all they sent me was a copy of a bill. I have asked them for a signed contract and they have yet to furnish me with anything. The amount that they say I owe is {$400.00}.
Product: Debt collection

Jefferson capitol syst Has a old XXXX bill from over 10 yrs old their saying is from 2019. This is time barred and they keep refreshing the date. This is illegal and I asked the credit bureas to remove this and they won't.
Product: Credit reporting or other personal consumer reports

I was just able to take a look at my credit report, and am stunned and I couldnt believe my eyes when I saw all of these mistakes in reporting! 

Please investigate and take a look at these accounts : XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX  XXXX XXXX. 

I don't know why these companies are putting this on my credit report.I have never been delinquent on my payments with any of these people. When I called them they said I needed to just dispute it with you. 

I need you folks to fix these accounts. In the meantime, I may be denied based on all of this. Ive already tried XXXX places. Please don't leave it this way I need your help! The above accounts should be reported as positive standing I thank you for your time.
Product: Debt collection

ON XX/XX/2018, I RECEIVED TO LETTERS WHAT THEY CALL RESURGENT CAPITAL SERVICES, BUT CURRENT ONWER XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOUTH CAROLINA AND PHONE # XXXX/ XXXX AND IS A SCAM AND NOT APPORVED BY THE XXXX. THEY STATE ON LETTERS XXXX XXXX, XXXX. AND XXXX XXXX XXXX OWNS THE FOLLOWING REF # XXXX. AND THIS FOR 2 FORMER CREDIT CARD.., ONE XXXX {$300.00} AND THE CARD XXXX {$600.00}. ON LETTER XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TN. XXXX. FOR YOUR INFORMATION XXXX XXXX XXXX IS IN XXXX XXXX XXXX UTAH. AND THEY ARE WELL KNOWN ON XXXX AND FOR YOUR KIND HELP.., THE FEDERAL TRADE COMMISSION HAD BOTH OF THE CLOSED DOWN.., AND SINCE THE XXXX XXXX XXXX IS NOT APPROVED BY THE SOUTH CAROLINA XXXX.., BOTH XXXX XXXX AND THE ABOVE ARE BOTH KNOWN AS SCAM.., I SIMPLY DESIRE FOR THIS TO BE REMOVED FROM ALL 3 CREDIT REPORT COMPANIES. 

RESPECTFULLY, XXXX XXXX E-MAIL.., XXXX XXXX
Product: Debt collection

I received information from you attempting to collect the above-listed alleged debt on my credit reports. Please be further advised, I dispute the validity of the alleged debt in its entirety. Further I request verification of the alleged debt, including, the name and address of the original creditor, along with a copy of a signed contract with the creditor. Additionally any attempts to harm my credit history and rating by updating or changing dates after you have been informed that the debt is expired, is a direct violation of the FDCPA. Any abuse to my credit rating on your part will be met with all recourse available to me by the law. You are illegally attempting to collect an alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
Product: Vehicle loan or lease

I took a car loan out in XX/XX/2021 with American credit acceptance they gave me an APR of 24.9 % and this is against the law APRs can not be that high it more than doubled the price of the car In New York, the maximum rate of interest on a loan is 16 % per annum. If a lender charges more than that, it may be liable for civil usury. Interest that is higher than 25 % constitutes criminal usury. However, there are various exceptions to these laws depending on the type of borrower and the amount of the loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted numerous complaints already through the CFPB portal so please look to them as reference. Basically, I just found out that my actual SSN is XXXX and received a reprinted card to show exactly that. I attached it below along with my driver 's license. For my entire life, I've been using XXXX because that's what my old SSN card showed because it was misprinted. I spent months trying to get all of the credit bureaus to change the SSN on file to XXXX, but now I need them all to change it to XXXX. I already am in the process of having this situated with my creditor - XXXX XXXX.I also attached the first page of my credit report which clearly shows that the different credit agencies are reporting different SSN 's under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was notified by my mortgage company, XXXX, where they offer credit monitoring, that " ACIMA CREDIT FKA SIMPL '' ( I believe a rent-to-own furniture leasing company. I have never rented furniture from any company ) had reported " a past-due balance of {$4400.00}. '' I have never done any business with this company. I called them and was advised that they could find no information under my name or information. I asked them to send me a letter confirming that, but they sent me nothing. On XX/XX/XXXX, I was again notified by XXXX  credit monitoring, this time that " ACIMA CREDIT FKA SIMPL '' was reporting a delinquency of {$4500.00}, and this time they also reported it to XXXX, where my XXXX score immediately dropped by about XXXX points. 

I filed a dispute with XXXX, and sent an email to Acima disputing this debt. XXXX took it up with Acima, who said the debt was valid ( but has refused to send me any information about the purported lease or any contract that they believe I signed with them. They indicated that they found the lease that they have flagged as fraud, but refused to send me anything further. They requested I file a police report locally, which I did, and they then said there was insufficient information on the police report and I should next report the fraud here. 

XXXX noted on my credit report that I state I have no knowledge of Acima, but they refuse to drop the delinquency because Acima calls it valid.
Product: Debt collection

XXXX sent over several student loans to a collection law firm to collect on even though I never purchased or signed any paperwork with National Collegiate Trust which I complained about to them twice. Per FDCPA, the owner of the debt must show proof that they own it before they demand any money for it. XXXX failed to send me the proof of ownership that I asked for but instead they decided to send it to a law firm where it could be sued on. I also spoke with XXXX XXXX XXXX and they acknowledged they had the loan before but none of the information was on the paperwork I received which is unacceptable. I never signed any paperwork or borrowed any money from XXXX XXXX XXXX either which they said to deal with National Collegiate Trust because they no longer have the loans. I do not see any ownership information from National Collegiate Trust or XXXX XXXX XXXX, I received a promissory note that states XXXX XXXX XXXX and then letters from the law firm that states owner was National Collegiate Trust but no explanation as to how they own this debt which is a requirement and I sent a letter asking for this information but I only received a promissory note and bills, nothing else and I asked for several issues to be resolved in the validation of debt that I sent to the law form on XXXX/XXXX/16. I did speak to a FDCPA attorney and was advised this debt is uncollectible without proof of ownership and no one can take legal action against me on this debt and it will need to be removed from my credit report. National Collegiate Trust and XXXX are trying to commit fraud against me. I have the copies of all of the complaints I have against XXXX as proof. National Collegiate Trust can not collect on this debt without ownership and that information must predated the day it was sent to the collections law firm.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violate my rights. 15 U.S.C 168 Section 602A states I have the right to privacy. 15 U.S.C 168 Section 604A Section 2 states consumers reporting agency can not function account without my written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

account. 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. Account name XXXX XXXX XXXX has violated my ri

ghts. 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 vears. 15 U.S.C. 1681s-2 ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the
Product: Credit reporting or other personal consumer reports

I found incorrect accounts on my credit report today, and I don't understand why. When I reviewed my report as I typically do, these discrepancies appeared out of the blue. I tried refreshing my browser to see if it was a technical issue, but the errors persisted. Due to this, I'm asking for a detailed examination of the documents Ive submitted to prevent future worries.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iam not liable for the {$12000.00} debt with XXXX XXXX XXXX. I do not have a contract with National Credit Systems they did not provide me with the original contract as requested
Product: Consumer Loan

In XX/XX/XXXX our auto loan from XXXX was sold to Greentree. The original loan agreement included insurance for loss of income and we were paying additional fees to have this coverage. Upon the loss of income this past XX/XX/XXXX we contacted Greentree and they informed us that we did n't have coverage. After review of the contract agreement from Greentree they indicated that the insurance was in fact still in effect because it was included with the monthly payment and they informed us to contact XXXX of XXXX carriers for our insurance claim. XXXX XXXX XXXX and XXXX XXXX company. Upon contacting each insurance company, they indicated we were not covered as of XX/XX/XXXX because premiums were not paid. As we have tried to continue with the payment despite the loss of income to Greentree we continue to pay the premium for insurance of which we do not have.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equiafax- dispute- X/XX/17 : I have observed that since my disputes to Equifax starting X/2017, this company has placed a FRAUD ALERT on my file even though I sent in a certified letter requesting it be removed from my credit profile. After this time, I was unable to view my credit report weekly through XXXX XXXX. Also, I was unable to find view my Equifax credit report on XXXX website that I subscribe monthly. Both XXXX XXXX and XXXX have told me that the Equifax report is not available and it is through no wrong doing on their part. Through XXXX XXXX I have not been able to access a current Equifax report since X/2017. I have not been able to access the EQUIFAX report through my XXXX subscription since X/XX/2017. I have since tried to go online to equifax.com and check the status of disputes that were done in XX/XX/XXXX- the website tells me that the website is down. I am unable to access my dispute results- which have not been mailed. I am also unable to file any more disputes because it states, the website is temporarily unavailable. This is what I have been told for the past 2 months. Out of curiosity- I had my husband to access his report through the same EQUIFAX website after I was told it was down and he was allowed to view his report and access dispute results from past disputes. it is clear that EQUIFAX has put some kind of freeze or block on my credit profile which has prohibited me from accessing and disputing errors on my report. I have been told that they are doing this type of unethical act to alot of consumers who have been trying to correct inaccurate information on their reports. I have kept careful records of their behavior and will not tolerate or accept this type of harassment from them. Please govern yourselves accordingly because I will not hesitate to contact a consumer attorney due to your willful and wanton negligence.
Product: Credit reporting, credit repair services, or other personal consumer reports

please remove all incorrect information FCRA VIOLATION wrong name, address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXXS XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX SINGLE FAMILY ( XXXX ) XXXX AD XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX BANK AND TRUST Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX  Account Dispute Reason Selected Edit Not mine or No knowledge of account XXXX XXXX XXXX Account Dispute Reason Selected Edit Not mine or No knowledge of account RemoveXXXX Account Dispute Reason Selected Edit Payment never late
Product: Credit reporting or other personal consumer reports

XXXX has had a data breach and I was a victim of this data breach which has lead to identity theft. I have said sent these things to the credit agency and they have refused to delete it. THIS IS ILLEGAL. And they continue to keep illegal accounts on my credit report. this is according to the FCRA 15 USC 1681 section 623 ( a ) ( 6 ). and actually there is many different violations. So I demand that these excessive inquiries be deleted along with these accounts XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX XXXX 

And because this will be deleted off my credit due to illegal practices. It is illegal that the the same thing must be reported on all three major credit bureaus. So I demand a deletion immediately!!!
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and discovered that XXXX XXXX XXXX XXXX accessed my report without my permission on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They have not met the requirements under the FCRA to gain access.
Product: Credit reporting or other personal consumer reports

i recently disputed again with the cra 's for inaccurate reporting of my personal information as well as inaccurate accounts on my credit report not re-investigated, which is a violation of 15 usc 1681i ; 15 usc 1681b ; 15 usc 6802b. i have attached documents below and i request deletion ASAP.
Product: Debt collection

I have been disputing this debt with Express for over the last two years now. This debt does not belong to me. I have been a victim of identity theft several times. Express has refused to deem this debt as invalid and not belonging to me. 

The last time I disputed this account, the fraud department let me know that the debt is being deemed valid because of credit payments made on the Express account from a XXXX XXXX  account in my name and asked me to provide proof that the XXXX  account was not mine and that I did not authorize the opening the of the Express or XXXX Account in order for the negative Express account to be removed from my credit profiles. 

As a result, I researched this claim because I did not have a XXXX XXXX  account. I pulled my consumer report on XX/XX/year>. I saw the account Express was referring to on my consumer report and filed a dispute to get the account removed and my consumer report updated. The fraudulent XXXX account used to make payments to the credit card was removed and my consumer report updated effectively. I have attached the old report and new updated report reflecting the removal of the XXXX account due to identity theft and the account not being mines.
Product: Mortgage

Lender : NewRez LLC Loan number : XXXX In XX/XX/XXXX, I noticed that there was escrow account created which had negative balance, I tried to reach them through email but did not get any response, through call which they did not pickup after 1 hour waiting, I searched for all documents I found a document, Insurance - HAZARD - BIND LETTER - XXXX - LP LETTER - - XXXX - XX/XX/2023 - Prior. In this document they said since I don't have hazard insurance they placed hazard insurance on XXXX, and put the, three months premium of - {$1100.00} in escrow which means they are charging from XXXX. And for XXXX again - {$370.00}. Even after raising multiple request from their site I just get " Thanks for contacting us! We'll respond as soon as we can ''. But never a response. 
I waited for 2 hours on call and was able to explain them that I always had insurance, and forwarded the documents to ( as mentioned by chat agent ) XXXX, ( as mentioned by call agent ) XXXX and ( as mentioned in the above mentioned notice letter ) https : XXXX. Now I see in the insurance section my insurance document and escrow amount corrected by {$390.00}, still the negative escrow balance of - {$1100.00} The chat agent on XXXX refuses still states that I don't have hazard insurance which I see on their site, she don't see it. Still they are deducting {$2400.00} instead of XXXX. Trying to reach them again several times, I am not getting any response.
Product: Credit card or prepaid card

XXXXXXXX XXXX XXXX card by Synchrony bank routinely ran my credit. I used the card for gas and made large payments to cover the gas every XXXX weeks. After some major car repairs earlier this year XXXX My other credit cards where used to pay my repairs. As a result my balances where high. So after a credit check in XXXX by Synchrony bank they determined my credit score was too low and closed the account. Over time I paid very little interest on this account since I was paying every 2 weeks. These unwarranted credit checking affect my score and closing my account certainly affected my credit again.

Now I am forced to pay interest on a closed account. I asked for interest free payments but they cant do anything until my account is past due ( another potential hit on my credit. This is malicious predatory behavior. Please help
Product: Credit card

I closed my XXXX  XXXX  account 1 month ago, I get my monthly credit score report and its reporting I owe XXXX and some change. At first I thought it was error but then they told me its from XXXX and Im like okay. Well its no way of paying that balance. They only tell me since the account is close I keep open the account but Im not trying to open it Im just trying to pay the balance and they wont let me. And today they cursed me and told me to XXXX XXXX XXXX and go to XXXX. I have screenshots of the conversation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use XXXX as a credit monitoring service so I get an e-mail every two weeks. On XX/XX/2020 my credit score was shown to be XXXX. On XX/XX/2020 it dropped to XXXX for no apparent reason. Nothing had changed on my side of the equation. So I called Experian and elevated my complaint to a supervisor and was told for some internal Experian reason my data file was split causing all of my open and closed accounts to be erased. No open accounts, no payment history, no account mix, nothing. When in fact I have two open mortgages, two car payments, and a couple of credit cards and some other open accounts. So they said that they would fix it in 3 to 5 business days. I waited a week and nothing happened so I called again. This time they could see the split data and would escalate the call to repair my file in 24 to 36 hours. That was a week ago. I have worked hared to earn and maintain my high credit score and I want my data restored with some explanation as to what happened. These folks are just playing around with our lives and our business and they don't seem to care at all. Please Help!