23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

In accordance with the fair Credit reporting act. The account list of accounts below has violated my federal protected consumers rights to privacy and confidentiality under 15 USC 1681. 
I told XXXX, XXXX and XXXX to reinvestigate these accounts Capital one account # XXXX. However, they stated everything was complete and accurate. But how is that possible if the when if the open date, date of last activity and mucg more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that arent reporting correctly.

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

this account was to be deleted from my credit report as charges was unauthorized and today XX/XX/XXXX still showing on my credit report XXXX XXXX I was told than in less than one month charges were to be deleted from the credit bureaussynchrony bank/lowesSYNCHRONY BANK/LOWESXXXX .... 
{$2300.00} as of XX/XX/XXXXClosed. {$2300.00} written off. {$550.00} past due as of XX/XX/XXXX 



XXXX XXXX XXXX FL XXXX XXXX XXXXAddress identification numberXXXXSold toXXXXTypeCharge CardTermsNACredit limit or original amountNot reportedHigh balance $ XXXX payment $ XXXXRecent payment $ XXXXDate of XX/XX/XXXX XX/XX/XXXX 's statementPurchased by another lender. 
Reinvestigation informationThis item was updated from our processing of your dispute in XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts was charged off XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX. Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history which to my understand charged off accounts should NOT include an active payment history. Need I remind you this also falsely manipulates the statute of limitations. 

I am demanding a deletion of the following accounts : XXXXXXXX XXXX  XXXX Account number XXXX, XXXXXXXX XXXX XXXX  Account number : XXXX Best Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am disappointed to have received a credit report that contains inaccurate information about me. As per the Fair Credit Reporting Act, it is my right to dispute any information that I believe to be incorrect. I take this matter very seriously and I am deeply concerned that these false allegations of delinquency and derogatory information could harm my reputation and financial well-being. 

Although I am fighting back with all my strength, I need your cooperation to resolve this issue. I kindly request you to provide evidence that justifies why my accounts are considered to be in a negative state. It is my understanding that any data included in my file must be documented and validated before it can be used by creditors, as mandated by the law. However, it appears that your records are not meeting these standards. 

I feel let down that you are not doing your job properly, and I am concerned about the potential consequences that this could have on my creditworthiness. Therefore, I am giving you XXXX days from now to address this matter and provide me with physical proof of your actions and my updated credit report. 

I hope that everything can be resolved in a timely manner without the need for intervention or escalation. Please provide accurate and verified information for each claim, as the allegations against me are not true. I am deeply disappointed to have to dispute these claims, but I will not let inaccurate information harm my financial well-being. 

Listed below are the Personal Information that are being challenged Incorrect DOB - XXXX Incorrect Name - XXXX XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Listed below are the Inquiries that are being challenged RENEWAL BY A XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX Your agency is in breach of the law! According to 15 U.S.C. 1681 section XXXX A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section XXXX A Section XXXX specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( XXXX ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than XXXX years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( XXXX ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of a data breach that has resulted in unauthorized accounts and inquiries appearing on my credit file. Under XXXX XXXX XXXX ( a ) and FCRA XXXX ( b ), I request that all accounts listed below be blocked and deleted from my credit report : Fraudulent 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 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 XXXXXX/XX/XXXX
Product: Vehicle loan or lease

I purchased a XXXX  XXXX XXXX from US Auto Sales on XXXX purchased an extended warranty for {$3500.00} but the warranty is not valid. I called the warranty company twice and was told I had no coverage. One of the calls I was told the warranty was in effect because US Auto either didn't pay or paid with a check that was returned for non sufficient funds. I have checked on the XXXX  DMV and it shows that US Auto is still the lien holder. 

I also paid {$990.00} for GAP waiver contract that isn't in effect either.
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I am an XXXX XXXX  Customer. My score should be reported daily from XXXX with credit monitoring but only seems to decrease drastically when approaching XXXX ( XXXX XXXX  decrease instantly in the beginning of XX/XX/2023 ) and my XXXX and TransUnion scores are not being reported, most recent were from XX/XX/2023. Also my score range across bureaus is close over XXXX, so although I have not seen recent fraud, the reporting seems inaccurate.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and deletion because they were reported incorrectly in my file. 
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: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly secured my personal information and according to their equifaxsecurity2017.com service, my data were compromised. Equifax is now coercing those affected to enroll in their TrustedID Premier service ( after the website tells customers their data were compromised the only remaining dialogue says " click the button below to continue your enrollment in TrustedID Premier '', the terms and conditions for which void customers ' rights to legal action against Equifax. ) Outside of the option of never applying for credit, at no point in my life have I ever had any option to prevent Equifax from obtaining my information. The action of simply applying for credit in the United States has left me vulnerable to Equifax 's improper data security. Therefore, Equifax was entirely responsible for ensuring my privacy, which they failed to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Our first mortgage went into COVID-assisted forbearance in XX/XX/2020 and US Bank automatically included the XXXX in the programs as well. It took 6 months to get them to send us the required paperwork on the first mortgage and we've been repeatedly told there's another relief program coming for our XXXX. 

Then, 2 weeks ago I received notification that my credit score had dropped over XXXX points thanks for US Bank reporting the loan over 120 days past due. THIS IS WRONG! 
I have spent over 25 hours on the phone but have repeatedly been put on hold, transferred, disconnected but even when I finally get through to the right person, no progress, just more misinformation and confusion. 

PLEASE HELP ME! This bank is so incompetent and they are ruining my credit. 

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

In the past years I have filed bankruptcy and was a victim of identity theft to the highest degree from my personal information and banking. I had to close 2 checking accounts because the thieves ran fraudulent checks using fake information and my social security number which my retirement pension deposit was and the funds were gone. In order to protect my social Security Deposit and my retirement I had to hold my deposits until a safe bank account could be opened. During the year and half my phone and computer were re encrypted so with the help of the phone service and WiFi with the cable company my old phone was monitored in the effort to report. My credit report is bad and will never recover. Are there any options available for recover. I have paid for all credit agencies to protect and report to no avail. Today I received another letter of denial from my bank for a small loan for less than XXXX $ All the money was to be deposited back in to my bank account. Some of the loan funds were for over XXXX $ in overdraft fees both of my retirement funds and social security are directly deposited each month thank you for your help and time
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my credit file and were found in my reports with credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law regarding identity theft. Additionally, the credit reporting agency & data furnisher have not provided any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$2500.00} 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I recertified my loans in early XXXX because my IDR recertification date was later that month. However, approximately one week later, I received an email saying that IDR recertification dates were delayed to XX/XX/year>. I requested that my IDR recertification application be withdrawn and canceled. Initially, they told me over the phone that this would be possible. However, later received an email saying that they were unable to do this. I have looked extensively online and also talked with friends who have been in some other situations, and I know that lenders are and should be able to cancel the XXXX recertification applications, especially if they are at fault for not notifying borrowers in time that their dates have been delayed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two charges from two separate agencies in the amount of {$3000.00} each. I would like for you to remove one of the accounts from my credit report so i can increase my credit score to something fair instead of poor. Also Im trying to figure out why the amount was so high, when i got the court report from the management office it said that i owed XXXX dollars a month on a twelve year lease When i was evicted i only had five months remaining on the lease. Please respond to this e-mail and let me know the necessary steps i need to take. Thank You.
Product: Credit card or prepaid card

On XXXX XXXX, a fraudulent purchase of {$980.00} was made from XXXX through a 3rd party app called XXXX. The purchase was a laptop that was sent to an address in XXXX, Tennessee with my same name. I live in XXXX, TN over 4 hours away and have never lived or visited or do not know anyone in XXXX TN. After doing my own researching, the address sent to in XXXX, the complete address was misspelled that it was sent to from the XXXX. I have disputed this from the beginning. XXXX customer rep that I talked to knew it was a fraudulent charge but could not take it off and told me to file a dispute with Discover. I immediately cancelled that card and I got sent another card from Discover. I continued to use the new card with a different account number. I filed a dispute with Discover. The initial dispute was not filed correctly by Discover customer service and it came back against me in XX/XX/2022. I appealed that and talked to the fraud department at Discover and they were very nice and apologized and seen that it was not filed correctly. They temporarily gave me credit while it was being disputed. I noticed in XXXX that my bill had gone up drastically with no big purchase being put on it, so I contacted Discover. I wanted to talk to a manager, XXXX XXXX Ohio XXXX, and was informed that since my name, address and email was on the account, and I continued to use the card, that I was liable for the charge per the investigation that was done. I also cancelled that card and had a replacement card with a new account number. Unbelievable. If the investigation is no more thorough than this, they need new investigators. I am being fraudulently charged by Discover, as a consumer of their company who has always paid my bill on time. This is not right and needs to be fixed.
Product: Checking or savings account

I received a call from Bank of Americas main phone number. It sounded like a call center environment. A guy with a XXXX XXXX accent impersonated a BofA fraud dept employee. He stated that a transaction of {$250.00} was made in XXXX and {$150.00} in XXXX. He said they were tagged as potentially being fraudulent. I confirmed that I didnt make those purchases. He confirmed an email address Ive used. It was a very bad connection and so he asked me to call his direct office line XXXX. Which I did. He said that in order to refund those transactions I needed to provide the expiration date & security code on the back of my card. I suspected this was a scam call, and told him that I would call BoA fraud dept directly. He said that the number he called from should show its from BoA and that it proves its legit. He said that for {$5.00} he would express mail me a new card, but it wont go through without verifying the card information. 
After I hung up, I called BofA fraud dept and they confirmed it was a scam, and told me to report it as well as they took down my information. The scammer attempted to call me 4 more times during this time, again showing up as a BoA caller. I pressed send to voicemail and they immediately called back. These people are dangerous and evil, and need to be stopped and held accountable.
Product: Mortgage

I am having trouble getting my mortgage company to help with loss mitigation.

My mortgage Doubled in the monthly amount. I asked for a modification after Hurricane Harvey. I lost so much after the storm and am trying to recover. My husband walked out and left, therefore my income decreased, However I am still working but just need help lowering my monthly payments until I get back on my feet.

If there is anything that can be done to help me save my home I really appreciate it. I have young children and we need to keep our home. They have already been through so much devastation
Product: Vehicle loan or lease

I am a federally protected consumer and the original creditor. I was not obligated to CIG financial alleged debt. The Federal law states that any person sending you a " bill '' is in violation to your consumer rights. Cig Financial is in violation to FCRA, FDCPA, and TRUTH AND LENDING ACT. Dispite the federal laws CIG financial collected on this alleged debt. I did not give CIG Financial DIRECT consent to report on my consumer credit report pursuant to 15 usc 1692c ( a ). CIG financial did not tell me about my right of rescission pursuant to 15 usc 1635- right of rescission. CIG financial is criminally liable for all of these violations pursuant to 15 usc 1611 and 15 usc 1640.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Englehardt vs. Gravens ( mo ) 281 SW 715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. 



Account - LVNV FUNDING XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX Account Name : XXXX XXXX Account Name : XXXX  XXXX Account Name : XXXX  XXXX  XXXX Account Name : XXXX  XXXX Account Name : XXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/year> DISCOVER FINANCIAL SER XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On my previous complaint against XXXX XXXX XXXX complaint number XXXX I stated the unprofessional way that I been treated by XXXX XXXX XXXX and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response XXXX has completed an investigation of all seven social security numbers associated with XXXX XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. 

At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because XXXX XXXX XXXX failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.
Product: Credit card or prepaid card

This is complaint number XXXX follow up I received letter to call Capital One I called the number twice and agent to contact was busy. Another agent answered and I told her my concern She annotated my message to the contact on letter Once again what is further needed? 
We are talking about {$12.00} charge on XX/XX/XXXX for SERVICES NOT RENDERED If this " red tape continues I will stop using card for purchases!
Product: Credit card or prepaid card

I spoke with someone in Customer Service on Friday, XX/XX/XXXX. I was told at that time that my Pandemic Unemployment Card would be sent via XXXX XXXX   express delivery at an extra cost of {$15.00}. I was told that it would be delivered Tuesday, XX/XX/XXXX or Wednesday XXXX XXXX, 2020 at the latest. I have benefits I can not access because I have yet to receive the card. 

I am in a very tough financial situation, as many people are, but the lack of customer service and outright lying regarding the resolution of my problem is totally unacceptable. 

I am more than dismayed that they would promise the card delivery with no intention of following through with that promise. 

Please share my immense displeasure in their ability to conduct business in a proper and honest manner. 

Thank you. 
Suffering XXXX