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

It appears that my credit my credit file has been compromised. Again, I was going through my records & noticed many information, account or item which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any account or information which is found to be opened due to identity theft. The dispute item do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove this files. 
KIA FINANCE AMERICA XXXX Open Date XXXX XXXX, 2018 Balance : {$6700.00} If you feel there is a possibility this account belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Debt collection

I was sent information regarding a cell phone bill with XXXX XXXX XXXX from XXXX, and I have not had phone service with the company since early XXXX. I have submitted proof to XXXX XXXX XXXX proving that my bill was paid before I terminated my contract as my new service provider XXXX would not have reimbursed me and paid my early termination fee without a XXXX balance. The account number that was recently given to me regarding this account does not even match the account number I had when I was an XXXX XXXX XXXX customer. 

I am not sure why XXXX XXXX XXXX is targeting me for a debt I do not owe and never owed. This false attempt to collect a debt from someone who does not owe one feels like harassment and has affected my credit. While I am disgusted with XXXX XXXX XXXX, I am equally disgusted with the creditor company, Sunrise Credit Services , Inc. for not doing their research and targeting me as well. 

As suggested by my attorney, I will be pursuing legal action for emotional distress against Sunrise Credit Services , Inc. and XXXX XXXX XXXX if this matter is not handled meaning removed from my credit and my name out of their systems immediately.
Product: Credit reporting or other personal consumer reports

Subject : Experian 's Failure to Investigate Disputes in Violation of the FCRA Description of the Issue : I am filing this complaint because Experian has repeatedly failed to comply with their legal obligations under the Fair Credit Reporting Act ( FCRA ). Specifically, they have violated : - 15 USC 1681e ( b ) : Failure to maintain the accuracy of my credit report.

- 15 USC 1681s-2 : Negligence in ensuring the furnishers of information comply with their obligations.

- 15 USC 1681i ( 5 ) : Failure to properly reinvestigate disputes and remove inaccurate information.

- 15 USC 1681c ( c ) : Inclusion of obsolete information in my credit report.

I have sent multiple dispute letters to Experian, but they have either failed to conduct proper investigations or reinvestigations, or outright ignored the evidence I provided. 

To make matter worse, I have learned about the recent CFPB lawsuit against Experian ( " CFPB Sues Experian for Sham Investigations of Credit Report Errors ). which highlights that Experian has documented history of neglecting consumers ' rights by failing to remove or properly investigate errors in credit reports. 

This issue has significantly impacted my ability to access credit, housing, and employment opportunities, causing me financial and emotional distress.

Specific Details : XXXX. XX/XX/year> - I called Experian and disputed this item as inaccurate and sent the proof that I paid or was credited an amount XXXX. XX/XX/year> - I went through CFPB and sent proof of inaccuracy and Experian has not answered as of yet. 

Impact on me : As a result of Experian 's non-compliance : - My Credit score remains inaccurate, affecting my ability to secure housing, get a loan, etc. 
- I have been subjected to undue stress and financial hardship. 

Requested Resolution : - Require Experian to fully investigate and correct the inaccuracies in my credit report. 
- Impose penalties on Experian for non-compliance with FCRA provisions. 
- Ensure that Experian implements proper procedures to comply with their obligatoons. 

I have attached all relevent documentation to support my claim.
Product: Debt collection

Wells Fargo never verified the debt they had on my name and was it actually me. They never produced the requested info in a timely manner and the debt is considered to be void as they were in dishonor. 
Wells Fargo shared private consumer info with a XXXX party debt collector without prior written or verbal consent per USC 15 sec 6802. That information includes false and misleading statements USC 15 sec 1692e. 
They supplied Name, Address, account numbers and financial information all are {$1000.00} fines. 
XXXX XXXX XXXX XXXX has used all that information without confirming it and without my consent. They have no contract with Wells Fargo giving them my consent and they have no consent from the consumer.
Product: Mortgage

On XXXX XXXX I sent a secure message to my mortgage company ( Freedom Mortgage ) requesting XXXX mortgage rate deduction In accordance with the Louisiana Statute 29:312. They responded to me on XXXX XXXX stating that I am not eligible for this benefit because my loan did not originate before I was called to XXXX XXXX and also I wasnt XXXX or called up to XXXX XXXX during the time my mortgage was initiated. I provided them my XXXX XXXX orders and proof of service letter showing I am still XXXX XXXX XXXX XXXX serving at XXXX XXXX in Louisiana, and my home and mortgage is in Lousianna where I reside.
Product: Vehicle loan or lease

I purchased a car for my daughter ( XXXX Toyota XXXX ) with Southeast Toyota Finance-brand new. In XXXX she got married and her husband joined the XXXX so she moved from Georgia to Florida. I also moved to Texas ( from Georgia ) around the same time ( XXXX ). I flew to Florida ( XXXX ) and was told that I wasnt a resident there therefore could not register the vehicle. Fast forward in XXXX, I had to refinance the car to add my daughter to title. The title is an electronic title. I have had at least 7-8 phone calls with Southeastern Toyota to say that they have submitted the request to release the title. However Department of Revenue still shows them as the title holder. Ive had calls with Southeastern Toyota and with the Department of Revenue ( together ) and Toyota admitting there was a system issue. Each time it has been fixed and Im asked to wait XXXX hours for it to be corrected on Department of Revenue side. To no avail this is still a problem as of today. The car now has a lapse in registration and I cant get it renewed! Ive tried to get my calls escalated with Toyota and I get automated service then a CSR ( customer service representative ). Ive gotten to a CSR supervisor twice but supposedly the department they are working with in their system has no contact phone number. Im at the mercy of Toyota. Im being threatened with raising interest rates on new loan with the other bank due to contract violation with them ( needing to be listed as lien holder ). And the car is being illegally driven with expired registration. I need help. I need some attention and I need this resolved. Please
Product: Money transfer, virtual currency, or money service

" Venmo '' is a company that appears to be owned by " PayPal. '' The Venmo website states : " Venmo is a service of PayPal , Inc., a licensed provider of money transfer services ( NMLS ID : XXXX ). All money transmission is provided by PayPal , Inc. pursuant to PayPal , Inc.s licenses. XXXX  PayPal , Inc. '' Venmo is utilized by many people, especially small business owners, to receive money. One of these small business owners sent me their Venmo link, where I attempted to pay them. The Venmo app failed to work, and I contacted Venmo customer service. Instead of receiving help, my account was suspended and then frozen. This experience is commonplace amongst Venmo customers, according to countless online reviews. See here for some of those reviews XXXX XXXX XXXX XXXX I decided I wanted nothing to do with Venmo and demanded that Venmo permanently delete my account and all associated data. Venmo has not done so. I have multiple emails proving this.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX XXXX Account XXXX has violated my rights XXXX Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I have to much inquiry on my credit report. I wasn't aware of all these inquiries. Please remove
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. 
I am writing to complain on Transunion for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out : XX/XX/2020 XX/XX/2020 XX/XX/2020 ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN XXXX  RECEIVED THE LETTER.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting that you immediately delete information off of my credit report that isnt mine. I have filed a police report stating that these accounts are not mine and that my identity may have been stolen which I have included with this letter. I have listed the accounts below. 

I do not know how these items ended upon my credit report, but I never signed for or agreed to these charges. I dont know who gave you this information! I would like a copy of whatever says that these accounts are mine, because I assure you, I have never taken out these charges. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act.
Product: Credit reporting or other personal consumer reports

Second and Final Notice NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPLE IS NOTICE TO AGENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/2023 Regrading your letter dated XX/XX/2023 15 U.S.C 1681 N section ( B ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by theconsumer reporting agency or {$1000.00}, whichever is greater. 

Your company has sent me a copy of some bills however that's not what I ask, once again by law 15 U S C 1681b Your company has no permission to report anything using my information 15 U S C 1681, Section 604, Section 2, State a consumer reporting agency can not furnish a account with out my written instructions.

1. Your company have no written instructions 2. I did not give any permission 3. 15 USC 1681 Section 602 States I have the right to privacy. 
4. 15 U.S.C 1692 C, Section C Your company miss information as impact my consumer credit report which as cost me {$550000.00} it as come to my attention that your company as violated my consumer rights. 

Name is incorrect Address is incorrect Account incorrect XXXX, XXXX XXXX, Account incorrect XXXX XXXX I'm demanding that all inaccurate information be delete immediately I have attach my driver license that as my accurate information. 

According to REGALATION F and 12 C.F.R 1006.1 SECTION 8e 15 U.S.C 6802 A, B. C and 15 U S C 6801 18 U S C 8 obligation or other security of the United States I owe no debt your company is in violation of my consumer right to privacy. 

15 U S C 1681b Your company has no permission to report anything using my information pursuant to 15 U S C 1684, 4 According to 15 U S C 1681 S-2 Your company has a responsibilities of furnish of information to consumer reporting agencies, a person shall not furnish any information relating to a consumer reporting agencies if the person knows or has reasonable cause to believe that the information in inaccurate. 

Your company has 30th days to delete all negative items, your company have reported false information and without permissible propose violating my consumer reports according to F.D.C.P.A a copy of this letter will be send to the C.F.P.B my state senator and I will file a law suit seeking damage for lost of opportunities that your company as cause damages. 

Your company have violated my consumer rights reporting false information without XXXX your company have violated the consumer reporting act F.C.R.A, F.D.C.P.A, 15 U.S.C AND 12 C.F.R your company have 30th days to delete all negative miss information causing harm to my credit report. 

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

XXXX XXXX, XXXX and Experian are ignoring my requests to investigate, verify and correct accounts in my credit reports that are reporting incorrectly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed several time with XXXX, equifax, and XXXX that the accounts XXXX XXXX in the amount of XXXX and XXXX XXXX XXXX XXXX  in the amount of XXXX are not my accounts and to remove them. I experienced identity theft and there has been several bank accounts opened in my name and this credit card and loan.
Product: Debt collection

I have been in dispute with Fox Collection Center since XXXX or XX/XX/2023. The debt collection company is refusing to remove inaccurate account information on my credit report and is violating my federally protected rights. I have provided proof of these violations. The company also responded to the CFPB in an untimely manner, and I am requesting that this issue is rectified. 

This company is also reporting on my consumer report as a debt collector and an attorney which is a violation of 15 USC 1692e ( 3 ) of the Fair Debt Collection Practices Act under False or Misleading Representations- ( XXXX ) The false representation or implication that any individual is an attorney or that any communication is from an attorney. The debt collector also did not send me any validation of debt per 15 USC 1692g as they stated they did on XX/XX/2023. They did not validate the debt upon request. The company did not cease all collection activities during the 30-day validation period. They are also reporting inaccurate information on my credit report for both XXXX and XXXX and reporting the account as open when the account is in fact a closed account. The FCRA is clear about 15 USC 1681 s-2 and other violations that have been stated in the law. The FCRA also mentions in 15 USC 1681e ( b ) that my consumer report must be XXXX percent accurate. The credit reports I have for both consumer reporting agencies are both inaccurate. I want the account from this company removed from all consumer reporting agencies and I demand that they cease and desist all collection activities.
Product: Debt collection

Recieved a letter of Data breached. Victim of identity theft to start in XXXX. 7 years passed it was off my record. Recieved another letter of data breach. Some how it was reopened and sold many times. Orginal documents was never given. They are treating me to re sell my information to another credit collectors and other people. Need this removed this should of never happened i never did it and was was finally off my record in XXXX. It's a XXXX account of some sort. Unsure what it is.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/ I received a fax from XXXX XXXX   showing my account was closed and paid in full with a XXXX   balance. I'm in the process of purchasing a new home for my family and the lender told me i had a recent late payment from XX/XX/ from XXXX XXXX. When i contacted them about the problem they told me i had some sort of late fees which was never brought to my attention at the time that i paid the account off in full. Then i pay the so called late fee which was in the amount of {$27.00} in which they credited back to me but refused to remove the late payment in XXXX which cant be correct because the account was closed and paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't have any Public records on my credit report, This is unacceptable, I'm Begging you to remove these on my credit report, this is not funny and It's literally hits me to XXXX.
Product: Debt collection

The Company is in violation under Fair Debt Collection Practices Act ( FDCPA ). 
The comapny never sent any communication letter about the debt. The company are authorized neither license to collect or do business in my state, the company is actully reporting a debt that do not belong to me which I do not have no knowlegde of the debt. I am request the company to provide me the following documents : 1. The full amount of the alleged debt, including any fees or charges added.

2. Complete and detailed explanation of the alleged debt, including the original creditor 's name and address, and details of all transactions associated with the debt.

3. Copies of all original signed agreements or contracts forming the basis for the debt alleging that I have a legal responsibility to pay you.

4. Proof that the statute of limitations has not expired on this account.

5. A license number and the registered agent for service of process for your company in my state OHIO.
6. Any judgment, if applicable.

7. Verification that you are authorized to collect debts in OHIO.

8. Documentation showing you are licensed to collect in my state OHIO, along with your license numbers.
Product: Credit reporting or other personal consumer reports

I contacted Equifax and XXXX about incorrect personal information on my credit report. They have failed to address the problem or update the information.
Product: Prepaid card

Rush card asked we provide information to them to release funds. They told XXXX hours, has merchant release forms, are rude, hangs up in on. Holding out funds where we could not access funding from payroll that 's from our work! Causing us to have late payments and could not access funds during a disaster for shelter or gas to get to work. They give us misinformation and multiple representatives laugh and say it 's nothing we can do you will have to wait.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021, I requested from Capital One for a credit line increase from one of my credit cards, and it was denied. Two of the reasons given were incorrect, and the credit score was from XX/XX/2021. 

On XX/XX/2021, I called the 800 number on the back of my CC and went into the branch on XXXX XXXX, XXXX, VA. Both said I was denied, so what is my problem? And there is no one I can talk to. 

I explained that it's not about being denied, but the bank used the score from XX/XX/2021, instead of XX/XX/2021. I want to make sure that if I were to apply for credit in the future, the bank or any bank would have the correct data. 

In addition, I mentioned that I paid off a lot of my CC and monitored my credit monthly, and I'm confident this way of doing business is incorrect. 

Both on the phone and at the branch, the operator told me to call XXXX claimed that they provided Capital One with incorrect information. My response is untrue, as I monitor my credit monthly, and both XXXX and XXXX have the correct information. 

My last attempt was to call XXXX and asked for help as I'm not getting any results from Capital One. XXXX told me to reach out to you, as it's why I'm writing.
Product: Credit card or prepaid card

For The Past 2 to 3 Months, TRANSUNION, Has " INSISTED '' On Showing a Balance Of {$190.00}, On My XXXX Credit Card # XXXX XXXX XXXX XXXX. Expiration Date Of XX/XX/22. This Account Has Been Paid Off For Over a Month. Which In Turn, Lowers My Credit Score. On XXXX XXXX, I Filed Several Disputes. I Even Filed a Dispute, With TRANSUNION Directly. All Of My Credit Cards, Are Paid Off, Except For One, Which The Payments Are Up To Date. TRANSUNION Has a Problem, With Keeping, My Credit Report, Accurate. This Is Not The Only Incident, That TRANSUNION Has Given Me Trouble With. They Hate To Raise, My Credit Score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXXTransUnion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following items listed below are still reporting on my Credit Reports and need to delete immediately : XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXXXXXX XXXX XXXX XXXX Balance Owed : {$740.00} XXXX : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX Owed : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX  XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00} TRANSUNION : XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$1500.00} XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX Balance Owed : {$740.00}