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

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 

OPEN ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX CLOSED ACCOUNT : Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX - UNAUTHORIZED INQUIRY According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this.
Product: Credit reporting or other personal consumer reports

I went to look for a car and before I could even step on the lot the car salesman told me that they had to run my information first so I told them I don't want my credit ran and they did so anyways and without my permission. They added around XXXX inquires from unknown sources to my report. I have filed a report with identitytheft.gov as well and these are the names of the inquiries XXXX XXXX  ( Bank ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( Finance ) XX/XX/XXXX XXXX  XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX ( Auto ) XX/XX/XXXX XXXX
Product: Debt collection

VALIDATION AND CEASE AND DESIST Re : Name : Midland Credit Management Address : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Dear who may concern, I received a debt collection letter from you. Do you have the right person? Can you supply me with a contract or agreement signed with your company or the Creditor.

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT.

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt.

PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them notice of my dispute to owing this debt.

Thank you for your immediate cooperation. 
XXXX XXXX
Product: Credit card or prepaid card

I opened a credit card with Capital One in the fall of XXXX. Months later I called customer service and the automted system asked me which credit card I was calling in reference to. I asked the CSR why there was another credit card on file with my information. Someone in XXXX XXXX, Utah opened a credit card without my knowlege or consent and is fradulently using all my personally identifiable information. The card was opened XX/XX/XXXX with a {$700.00} credit limit. I asked Capital One to send me the statements and a copy of the signed application because I've been experienceing identity theft since XXXX and need evidence to file police reports. I wrote a letter to Capital One and never got any response. I called again today XX/XX/XXXX and was kept on the phone for 1 1/2 hrs while the CSR 's found reasons why they couldn't provide me with the documentation detailing the theft. I spoke with three CSR 's and each put me on hold, then returned explaining that the account was closed and there was no wrong doing found and that I needed to write another letter to get the account specifics. The card that was opened fradulently with my information is a Capital One credit card ending in XXXX. The person overcharged the card but eventually it was payed off and closed. Since XXXX I have experienced identity theft due to the fact that my information has been circulated by criminals for 14 years. I am writing this complaint to hopefully get the documentation needed from Capital One in order to file police reports and show identity theft. SInce XXXX I've recieved W2 's from jobs I haven't worked at. I get auto insurance quotes for vehicles I don't have that were financed with my PII, and bogus collection accounts on my credit reports put there by people who hope I'll just pay without verifying the legitimacy of the fake business name. I'm writing to ask for assistance in getting the fradulent credit card paper work from Capital One to prove this has been happening for years and I'm concerned that something more serious might happen that could be more damaging to me.
Product: Credit reporting or other personal consumer reports

I filed disputes with XXXX, XXXX, and Equifax and they continue to either send stall letters or don't do an actual investigation and the inaccurate information remains and continues to impact my credit negatively. The credit bureaus refuse to pay me {$1000.00} per violation which equals the minimum of {$10000.00} which should be enforced as determined by the disputes I have filed and the companies refuse to correct.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have unknown inquires on my credit report that I don't recognize. I'm a potential candidate for fraud and ID thief please remove the following inquires listed below. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX Dispute this XX/XX/XXXX XXXX - XXXX XXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, DE XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX XXXX  XXXX Dispute this XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XXXX this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX Dispute this XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, VA XXXX Dispute this
Product: Credit reporting or other personal consumer reports

I have an unknown fraudulent account from XXXX XXXX XXXX  being reported on my XXXX, XXXX and Experian.. I have demanded proof of contract over 30 days ago and haven't received it!! 
This unknown, fraudulent, negative account and late payments being reported to my credit file is hurting my ability to obtain credit : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX account # XXXX opened XX/XX/2023 XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been getting phone calls from Debit collectors for a loan I did not take out. This is also on my credit report. This loan came from XXXX XXXX XXXX XXXX in XXXX, MD XXXX. The person that took out the loan did this online according to the loan office. It was a personal loan for {$35000.00}. the check was sent to an Address in XXXX NC. I do not live in XXXX, and I did not take out this loan. There saying because the last XXXX of my socials was used and they want me to pay for this loan. I have had several debit collector calls and tell me I need to pay for this loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit reports with Transunion and XXXX, XXXX ( XXXX XXXX XXXX XXXX ) put false information on my credit report. According to XXXX, I took a loan out with their company on XX/XX/XXXX under Transunion. Under XXXX, it notes I took a loan out with XXXX on XX/XX/XXXX which is erroneous. 

I took out a loan for a VA Home Mortgage with XXXX XXXXXXXX XXXX XXXX  XXXX XXXX I never took out an original loan with XXXX on XX/XX/XXXX or XX/XX/XXXX. This information is false and I am enclosing supporting documents from the credit bureaus, along docs from closing who I in fact took a loan out with. Thank you.
Product: Mortgage

Our home loan was in my husbands name only. He died in 2014. I kept up the payments as long as I could but had to sell the home in XXXX. After we closed, they sent an overage check for $ XXXX addressed to my dead husband after I had sent them multiple copies of his death certificate. Went to the local branch and they told me to send the check back and they would reissue in my name. They did not, they sent a letter telling me I need a copy of a filed and recorded executor document. I went to the county and they told me they could n't do that for me. I have sent US Bank a copy of the grant deed with my name on it and the interspousal grant deed that we both signed when we bought the house. US Bank said that want 's good enough.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to formally dispute the accuracy of information on my credit report, specifically regarding the reporting of late open accounts. I have carefully reviewed my credit report from your agency and have identified discrepancies that I believe require immediate attention and correction. I have outlined the details of the disputed information along with an explanation of the inaccuracies : the late payment reported on the above-mentioned account is incorrect. I have diligently made all payments on time as per the terms and conditions of the agreement with the creditor. I have enclosed copies of my bank statements, payment receipts, and any other supporting documentation to substantiate my claim. I kindly request that you investigate this matter promptly and correct the inaccuracies on my credit report as required by the Fair Credit Reporting Act. Please provide me with a written confirmation of the correction once the investigation is complete. I understand that, according to the Fair Credit Reporting Act, you are required to investigate this dispute within 30 days and inform me of the results. I expect your prompt attention to this matter and a swift resolution. These accounts should be corrwctwd right away : XXXX XXXX XXXX Balance $ XXXX XXXX XXXX  XXXX XXXX XXXX {$0.00}.
Product: Mortgage

Im unable to make a payment or unable to submit my payment. I was told I had a late payment and they trying to avoid foreclosure and help Im not struggling to make a payment and I never miss any payments. They were transferring to contact the team unable to reach them. The branch bank manager are not able to fix the problem, the agents are unable to fix too. I was discriminated and threatened because of my previous complaints. Im still making my payment and due to Covid the offer me 6 months deferral and they are using that to attack consumers ( me ). I would like to remove my deferral amount immediately.
Product: Credit card or prepaid card

My credit report shows an account with a balance from Synchrony XXXX. Please provide validation of debt.
Product: Debt collection

I learned from a recent credit report that ENHANCRCVRCO is showing as a collection account and is trying to collect a debt in the amount of {$400.00}. This is the first time I have heard of this company or this debt. I was never sent a notice of right to dispute nor have I been contacted by mail or telephone regarding this alleged debt.
Product: Payday loan, title loan, or personal loan

XX/XX/2023 they didn't want to give me service cause the way I look
Product: Vehicle loan or lease

I ordered my Ford XXXX  through XXXX XXXX XXXX addressed at XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX. I have tried asking about the different options between lease vs. loan also different downpayment options before the arrival date, but the salesperson did not want to engage in this conversation and would like me to talk to their finance department on the date my car arrived. 
On XX/XX/2023, my Ford XXXX finally arrived. After a test drive and walkthrough, I was introduced to the finance manager, XXXX XXXX XXXX. XXXX told me that my interest rate is 8.50 %, and by plugging into their program, my rent payment was calculated. I got confused and asked her to explain how they came up with the rent payment based on my interest rate. She couldnt and claimed that this was calculated by the program. I said fine and moved on. 
Then, XXXX started selling the extended warranty and service package totaling in the amount of {$3900.00}. She explained that this is a great deal if I purchase them now, and I can cancel them anytime and get my money back. I wasnt exactly sure if I wanted them, so I decided to purchase them and think about it later. This is after 2 hours at the dealership. 
In late XXXX, I decided to cancel these two add-on contracts, and I visited the dealership and talked to XXXX. She is fine canceling them, and the credit would go to my lien holder, Ford Credit. She said the credit would apply towards my last few lease payments, and I need to pay the scheduled lease amounts till the last few months of my contract. 
Supposedly, the cancellation should result in a credit NOW, and what gives Ford Credit the right to keep them and apply the same amount towards the end of 3 years? I believe I should be entitled to an annual accrued interest of 8.50 % if Ford decides to hold my refunded {$3900.00} credit. 
On XX/XX/2023, I emailed XXXX and shared my thoughts. She wanted me to call Ford Credit to get a clarification on the interest calculation method, so I called. Ford Credit customer service said this question should be addressed by the dealership finance person. And now nobody can answer my question.
Product: Vehicle loan or lease

Wells fargo has not contacted me about my auto loan i was wrongly charged interest
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX automobile loans on my credit report that are still showing balances. One is with XXXX XXXX the other with XXXX  XXXX and the last with XXXX XXXX XXXX XXXX. All of these loans are paid in full.
Product: Credit card or prepaid card

I purchased XXXX prepaid XXXX 's each for {$100.00} dollars on XX/XX/22 at XXXX. After purchase I gave them to people and was immediately notified by all people that none of them worked. 

I spent several days and a lot of hours calling Gift Card Services ( The number on the back of the cards ), I was told that the cards " Could not be validated ''. I tried to dispute the transaction with XXXX XXXX ( My credit card that I purchased these with ), and they said that XXXX provided proof that they loaded the cards. I spoke to XXXX 's Corporate office, the told me to go back to the store and speak with the store Manager. The Manager said to contact XXXX. XXXX said that I needed to talk with US Bank National Association. And US bank sent me to " Marketing Solutions '' who does not answer their phone or return my voicemails. 

No one has been able to assist me, and {$1200.00} is a lot of money for no one to care that I never received what I paid for. It has now been 30 days, this is ridiculous. I would never purchase pre-paid cards ever again.
Product: Credit reporting, credit repair services, or other personal consumer reports

First Credit continues to blatantly report an inaccurate, unverifiable entry on my credit reports. The entry on my reports reflect that First Credit reported this entry XX/XX/2019 on my credit report, yet they did not provide any communication to me prior to inserting on my credit reports. No dunning letter was received from this company. I have never did any business with this company, nor have I ever heard of the company. The payment history for this account lacks veracity. Additionally, I have attempted on numerous occasions to gain clarity and insight on this erroneous entry. I sent a letter to First Credit disputing the validity of their entry and the mere fact that they did not provide any written communication to me prior to inserting the entry on my report. 
This company has had months to respond to me with the financial responsibility page or anything that verifies this account indeed belongs to me.

Consumer law provides that the creditor is expected to respond to your claim within 30 to 45 days and to inform you of the results of its investigation within five business days. It is obvious that First Credit has no intent to honor nor respond to my previous disputes with my signature reflected on the documentation ; therefore, in the absence of them not sending me notification prior to inserting this on my report, this entry must be removed from my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i did want or take these actions. company did this own there own without my consent or knowledge
Product: Credit reporting or other personal consumer reports

I have no knowledge of this suspicious activity on my credit report which includes negative items & personal information Credit Companies, Addresses & Names of other people. I believe this has been fraudulent activity made on my SSN. I believe I am a victim of dark web identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I can not file any more disputes on inaccurate information. i have a collection account that keeps popping up under different names every other year or so. its the XXXX XXXX XXXX  ( then it will disappear, then reappear ) which is the same as the XXXX XXXX, like they keep reselling information that is incorrect. i want them to stop reporting inaccurate information on my credit report as i have never gotten a call or letter from them but they always appear on my credit report. its not just them its all the ones in the attachment i can not seem to get rid of and keep disputing. the ones in the attachments i can not dispute anymore and have explained my hardships many of times. i have been on medical leave from work since XXXX/XXXX and have become a XXXX XXXXXXXX vet. The thing is Im trying to fix my credit to provide for me and my children and a lot of these accounts need to be removed and not keep reselling information to other companies and a lot of the companies in red need to update their information as well. this applies to all three bureaus. also how come the one dept of education there is only one in red? you can not discharge student loans thru XXXX. Im working on that since i am 100 percent they will be discharged hopefully all thru VA. all Im trying to do is better my situation/credit and I'm getting nowhere. None of my credit reports match at all. And I dont know if TMI XXXX but Ive been getting denied for a house to buy/rent because of a lot of things on my credit and dont know how to go about getting them to be removed because I am XXXX with XXXX   children. I sure hope this reaches the right person. Thank you so much.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts. Actually I am not sure that the accounts are even mine though your company claims to have verified this. Depending solely on your flawed XXXX XXXX  has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX TransUnion, XXXX XXXX XXXX ( XXXX ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX
Product: Debt collection

I have no contract with XXXX, they have no written consent by me to use my personal information.
Product: Debt collection

I took out a cash loan with XXXX XXXX XXXX and was making payments. I fell behind and the account went I to collections with a company called National Credit adjusters. I was able to make arrangements to pay off the debt. Currently at this point in time the debt has been paid off and account is in good standing. I have received a paid in full letter from both XXXX XXXX XXXX and National Credit Adjusters stating my account is paid and in good standing. However, I am now being harassed by a company that is claiming to be a law firm with name of XXXX XXXX XXXX XXXX also known as XXXX XXXX XXXX ( XXXX XXXX ). They are claiming that they are representing XXXX XXXX XXXX and they are suing me for the debt as well as court cost. They are also claiming some sort of bank fraud as well. Stating that when I recieved my loan I withdrew the money and closed the checking account. I have told this company multiple times that I have spoken to XXXX XXXX XXXX and National Credit Adjusters and both companies are stating I am in good standing and they also gave me pay off letters. XXXX XXXX does not care, and when I ask them to send me proof of debt they get aggressive and tell me its already been sent and at this point they have completed everything they need to by law. At this point I believe this to be a scam because this debt is not on my credit report and everytime they say they are serving me or that they sent me paperwork it never comes. However the harrasment is getting frustrating and they use new tactics everytime and I get caught off gaurd and it's very stressfull. This company ( XXXX XXXX XXXX ) also has my personal info, such as social and address and are OK with just handing it out.
Product: Credit card or prepaid card

I have a MasterCard credit card From KeyBank Via the unemployment office I have tried for a week now to get ahold of key bank as my card is locked and it wont let me use it. I have tried everyday to call and continue to get put on hold for 3 hours until it automatically hangs up on me. I can not access the online portal either as it wont let me sign up cause it says my card has to many pin attempts. I just need my unemployment thats on the card for bills but again keep getting hung up on before anyone even answers as it times out at 3 hours thank you :