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

I voluntarily had a vehicle repossessed from XXXX XXXX XXXX back in XXXX of XXXX. The account then was closed out on my credit report XXXX of XXXX as well. On XX/XX/XXXX the account started to reflect in my open/ current accounts on my credit report when the vehicle was and the status of the vehicle was closed and sold. Ive tried reaching out to the company using the information they provide the the Creditors and it is the wrong number. Ive Also have reached out to XXXX on SEVERAL OCCASIONS and even asked to speak to a manager, which then results in me being hung up on. At this point I am going to contact my family lawyer because by law the information reporting on a consumers credit report should be up to date and accurate.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND THESE ARE DAMAGING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT BECAUSE THESE ARE PURELY IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX  XXXX XX/XX/XXXX - Balance : {$0.00} Account Name : XXXX XXXX  XXXX XX/XX/XXXX - Balance : {$750.00} UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I'm writing to talk about an issue I found in my credit report. My name is XXXX XXXX XXXX, and I noticed that some of my personal information was shared with another company without my permission. I think this goes against the law that says you can't share someone's personal info without their say-so. 

I read about the rules ( 15 U.S. Code 6802 ) that say my personal info should be protected, but it seems like that didn't happen. The Fair Credit Reporting Act ( FCRA ) also gives me the right to control who gets my info, and it looks like my info went to someone who isn't connected to your company. This worries me because I didn't get a chance to say no, like the law says I should. 

Just to be clear, I don't have a problem with the companies I owe money to. My concern is with your company for sharing my info without checking with me first. 

I checked the law ( 15 USC 1681b ), and it says you need my written permission to share my personal info. I never gave that permission, so I need you to prove that I said it was okay. If you can't, it might mean you broke the rules of the FCRA.

I already reported this to the Federal Trade Commission ( FTC ), and my complaint number is 168209274. I'm worried this might be a kind of identity theft ( 18 USC 1028a ). 

I'm officially asking you to take these accounts off my credit report in the next four business days : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXXXXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX U.S. Bankruptcy Court - Account Number : XXXX I also want you to remove these unauthorized inquiries in the same time frame : XXXX XXXXXXXX XXXX - Inquiry date XX/XX/202XXXX XXXX  - Inquiry date XX/XX/2023 XXXX XXXX - Inquiry date XX/XX/20XXXX XXXX - Inquiry date XX/XX/2023 I have the right to fair and accurate credit reporting, and fixing these mistakes is important for my credit report to be correct. 

I also need you to show me how you checked that the information you have is right and that I had a chance to say no to it. This is important to make sure credit reports are fair and accurate. 

I hope we can sort this out quickly, within the four business days I mentioned. If not, I might have to take legal action. 

Thank you for looking into this right away.
Product: Credit reporting or other personal consumer reports

am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 

More specifically talking about XXXX, who sold data to XXXX.
Product: Credit reporting or other personal consumer reports

Citibank XXXX XXXX XXXX XXXX XXXX Account # XXXX Open Date : XX/XX/XXXX Closed Date : XX/XX/XXXX XXXX XXXX XXXX XXXX deposited a {$3000.00} check i never received account number : XXXX date : XX/XX/XXXX The new account was opened XX/XX/XXXX the ACH Deposit was XX/XX/XXXX i want my refund of {$3000.00}
Product: Credit card or prepaid card

My had a balance way above what I am for sure that I had charged to it, Some of the charges were not visible till the end of the month when I received my statement so I was unable to dispute it at that time. Then when I received the statement I went to dispute any remaining charges that they would not allow me to previously, It has been going on almost 4 months since I have done this, They have not removed any of the charges from the account, They keep closing and reopening the case over and over again, And they keep having their debt collectors call me to ask to make a minimum payment when I am not legally obligated to do so because any charges open on that account aside from two that make up less than XXXX XXXX of the balance, In addition they have caused my credit score to take almost XXXX XXXX points due to the fradulent charges
Product: Credit reporting or other personal consumer reports

I started an inquiry to the company XXXX XXXX as I am interested in the process for purchasing my auto lease. I entered my contact information but did not select the button to authorize a credit inquiry and closed the site as I was not ready to move forward with a loan at this time. Shortly after I received multiple emails from XXXX, XXXX and XXXX XXXX that there had been new inquiries on my account. I was surprised as I had not authorized anything. I then got a text from XXXX XXXX, who said they were having trouble pulling my credit as it is frozen. I froze it deliberately because of recent record breeches and to protect my identity. The company somehow went around the freeze and pulled my credit report on behalf of four different lenders, resulting in four new credit inquiries. I texted the associate and informed them I never authorized a credit inquiry nor did I complete a credit application. They informed me it wasnt a big deal and it should only impact my score by 3-4 points, but they would have someone higher up look into it. I informed to them they need to report this error to the credit bureaus, and now I have not heard anything back. This all occurred on XXXX, XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I lost my wallet and I am victim of identity theft and I submitted a police report to the credit bureaus for the accounts that were open and nothing further has happen. 
XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

They have my credit rating that I'm using over XXXX per of my. Utilitization which is not true. I have XXXX credit cads and all together my total owed for all accounts is less than {$3.00} so they reporting that I am using very high. Utilization is wrong and is stop me from getting credit
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE ASKED TO PLEASE UPDATE MY CURRENT CONTACT PHONE NUMBER WHICH IS ONLY (  XXXX  )  XXXX . Please delete past phone numbers (  XXXX  )  XXXX , (   XXXX   )  XXXX , (  XXXX  )  XXXX , (  XXXX  )  XXXX , (   XXXX   )  XXXX , (   XXXX   )   XXXX  , (  XXXX  )   XXXX  , (   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

On ( XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.
Product: Credit card or prepaid card

I received several emails from Synchrony Bank Amazon Credit Builder account that I did not sign up for saying they made trial deposits in my account for a new card. Also saying action required. I called the company and reported it to them and they said they are receiving several calls regarding this. I am very concerned that my personal information has been leaked because I have had an account with them in the past and currently have a paypal account that they service. Very disturbing and feel it should be looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info XXXX  XXXX XXXX Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Mortgage I spoke with the VP of Operations with XXXX XXXXf XXXX XXXX  XXXX XXXX She informed me that the Late Payment would cease to be reported as I was in the hospital. XXXX XXXX told me payment history was updated with NO LATE PAYMENTS. 

XXXX This is not my account Account number XXXX Open/closed Closed Date opened XX/XX/XXXX Account type Mortgage Late Payments 13 Creditor Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SC XXXX Phone # : XXXX This account is not my account. 

XXXX XXXX : NOT MY ACCOUNT : XXXX XXXX {$800.00} XX/XX/XXXX TransUnion XXXX XXXX Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX Account No. 
XXXX Balance details 0 % paid off Balance {$800.00} Balance updated XXXX XXXX, XXXX Original balance {$800.00} Account info Account number XXXX Date opened XX/XX/XXXX Account type Collection Status Collection account. {$800.00} past due as of XXXX XXXX. 
Status updated XX/XX/XXXX Payment summary XXXX Original Creditor XXXX XXXX IN XXXX IN. 
Responsibility Individual Individual Condition Derogatory Derogatory Original Balance {$800.00} {$800.00} Balance {$800.00} {$800.00} Date Opened XX/XX/XXXX XX/XX/XXXX Date Reported XX/XX/XXXX XX/XX/XXXX Remarks Placed for collection I contacted XXXX XXXX and they told me that this account would be deleted. It is not my account. This is for insurance on a XXXX XXXX. I have never owned a XXXX XXXX.
Product: Checking or savings account

I opened a XXXX Checking account in XX/XX/2021 with {$50000.00} deposit through a link I was sent from Citibank in an email. A bonus of {$700.00} was supposed to post 90 days after bank held money for 60 days. XX/XX/2021 bonus was supposed to be deposited. I called Citibank in XXXX to see if everything was on track. I was told yes. Today I called to see why the bonus had not posted. They claim I did not sign up through the promotion and so I will not get a bonus. I complained and they gave me an Investigation ID # XXXX but no money.
Product: Credit reporting or other personal consumer reports

Foundation finance company allow fraud be done in my name from a total different email. I provided 2 police reports for ID theft as well as documentation I never agreed to sign for this loan also a report from XXXX. This company refuse to give me information on a account that is in my name
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XXXX/XXXX/2015 on EQUIFAX. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

FTC VIOLATONS XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX is one of the collection agencies that uses an Automatic Dialer to call consumers to collect. Our clients will  often ask us why they are getting called from a company that will always hang up on them or will have no one on the line with them when they answer the phone. 

Major Producer of Merged Credit Reports Agrees to Settle Charges of Violating Fair Credit Reporting Act ; Settlement Would Require Company to Investigate ; Take Other ActionsXXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX' ) has agreed to settle Federal Trade Commission charges that XXXX XXXX XXXX ( " XXXX '' ), now a division of XXXX, violated the Fair Credit Reporting Act ( " FCRA '' ) by, among other things, failing to investigate information disputed by consumers in certain credit reports -- known as instant merge reports -- prepared by XXXX   XXXX  is based in XXXX XXXX, Florida ; XXXX is based in XXXX XXXX, California.

FTC 's Privacy Rule and Auto Dealers : The Federal Trade Commission ( FTC ) has developed these additional FAQs to help auto dealers comply with the Gramm-Leach-Bliley Act and the FTCs Privacy Rule. The following questions and answers show how the Privacy Rule applies to specific situations that auto dealers may face. Before reading this, you may want to familiarize yourself with the FTCs small business guide, How To Comply with the Privacy of Consumer Financial Information Rule of the Gramm-Leach-Bliley Act, and the Frequently Asked Questions for the Privacy Regulation. Other business guidance is available on the FTCs Gramm-Leach-Bliley Act page.
Product: Credit card or prepaid card

Case number XXXX is being referenced as prior complaint with your agency regarding the same company Synchrony Bank and TJX Rewards card which you say is closed. However, there was no resolution to this problem by the company. This company continues to harass me because I order pet medications from XXXX XXXX XXXX. I placed an order over the phone yesterday for {$240.00} and almost immediately got a call from Synchrony which I returned. I wanted to know what their problem was because this had already been discussed with a supervisor when I filed the above named case about the same matter. Synchrony denied my purchase with XXXX XXXX XXXX. I have a number of past credit card statements where I have purchased this over and over and it was not denied. I have never been late, always pay my entire balance on the card. You people did not do anything for me before so what are you going to do about it now because it is a forever problem. I have a right to use my credit card to buy what I want within the limits of my card. No other bank does this when I make a purchase. I have a credit score of XXXX and these people are idiots. I do n't understand why you let them get away with this. I am furious!
Product: Mortgage

Re : Shellpoint Mortgage Servicing ( XXXX ) To Whom It May Concern : Due to the Coronavirus pandemic, I have not been able to work. As a result I am facing tremendous financial difficulties and unable to meet my financial obligations. 

I have expressed my financial issues with Shellpoint who is the mortgage servicing for home. To date, Shellpoint has postponed the monthly payment for three months. However, I have been advised that I would have to resume payment after three months and pay a one time payment for the outstanding balance. This is unaffordable and I would not be able to make this payment. Shellpoint has refused to provide me an affordable payment option.
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that does not belong to me at all randomly showed up on my credit report. I have no connections with this bank nor creditor. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$6200.00} Date Opened XX/XX/2022 That account is not mine nor does it belong to me it is a result of identity theft so please remove it.
Product: Checking or savings account

I have been a member of Navy federal for over XXXXyears and i Have paid over draft fees.
Product: Mortgage

I had a mortgage and made the first XXXX payments. The loan was then transferred to another mortgage company. My XXXX payments were not credited to my account, as a matter of fact they keep saying that I'm behind XXXX  days on my mortgage. I have submitted proof of payment of XXXX and XXXX 's payments to them in the form of faxes and canceled checks. 

There is no XXXX number. There is no way to contact them except through their website. I have submitted my proof of payments through this website which is in the form of a message. I keep sending them messages asking for status and I keep getting the runaround. I have sent them faxes and also in the mail proof of payment nothing. 

I'm worried about my credit report. I keep getting XXXX XXXX from them telling me that I'm XXXX  days behind.
Product: Credit card

I spoke with a target representative and also an XXXX  XXXX  representative who I informed both that I was regarding our phone calls for credit purposes and they both agreed and was okay and we moved forward with the phone call. I stated to both that once I paid for the account I wanted it deleted off my credit and they both agreed and said it would be no problem to do so. XXXX XXXX stated they couldn't give me a paid for deletion letter because they just handle the payment part since it was turned over to them but once I pay I will get transferred back to target who will then give me the letter and it will be deleted from credit. The representative from target stated that Yes once I am paid in full they will take the initiative to delete this account off my credit. I then got transferred back to XXXX XXXX where I paid XXXX expecting for the account to be deleted and it's still showing on my credit report as open. I really went by the recording and hoping the target representative and alliance one will stand by their word and delete the account off my credit. They are allowed to delete off credit as they are allowed to post to the credit. I had an account with target red card. I I called them to close the account and was told I would have to make an payment to close it which I was okay doing but when it got time to make the payment the representative told me oh your case was transferred to another company and when the other company got on the phone they asked for my information in which I was sure they would've had it. It was XXXX XXXX which is a collection agency. I never received anything from XXXX XXXX saying they are the ones in charge of my collection or anything. I wouldn't even had known my case was transferred to them had I not tried to make a payment. I have tried many times to dispute this account because it has been very detrimental to me and my well-being s as it has made my credit drop. 15 U.S.C 1681 section 602.A states I have the right to privacy and I feel my privacy was evaded by target transferring my account without my knowledge then posting on my credit report. XXXX XXXX is trying to collect the debt but td bank/target is reporting on my credit. Its too many discrepancies. I would like to pay off this amount and have it deleted off my credit. It is reporting open by target but they are sending me to XXXX  XXXX which is a collection agency to pay when I need to pay with target so they can delete an cease any other communication or bonding with each other. This is the second complaint Im making towards target card and XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 I submitted validation of debt to XXXX credit bureau for a unknown collection debt for i.c system for the amount of {$900.00} and i.c system have not sent my valid proof of debt I never opened a account with this company and i want this collection error removed off my report immediately its effecting me in a negative way that im not able to purchase a home.No Action Have Been Taking From The Credit Bureau Or The Collecting Party.None of the other bureaus is reporting this error on my credit reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus stated they investigated my account and issue correctly but this is not true because XXXX is still reporting account name XXXX XXXX account number XXXX i already got this removed from my other XXXX reports but XXXX insists on keeping it. this is not the first time but my rights have been violated on numerous accounts. all three bureaus do not have all my information correct this is a direct violation of my rights. also to begin with the bureaus took longer than 30 days to complete my investigation. 

15 USC 1681 section 602 A. states i have the right to privacy.

15 USC 1681 Section 604 A Section 2. it also states a consumer reporting agency can not furnish a account without my written instructions. 

The following are all accounts in which i did not give written consent to furnish on my report : XXXX XXXX XXXX ( DEBT COLLECTION TEAM DIRECT VIOLATION, I NEVER GAVE THEM THE RIGHT TO CONTACT ME OR OBTAIN MY INFORMATION. ) XXXX, XXXX OF XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX CARD, XXXX BANK, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX CREDIT, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im not liable for this debt with XXXXXXXX XXXX 

This student loan was charged off in XXXX and was previously removed from my credit in XXXX Under FCRA, 15 U.S. Code 1679c - Disclosures, The credit bureau must remove accurate, negative information from your report only if it is over 7 years old This was never paid and was charged off in XXXX making it 14 YEARS AGO- DOUBLE THE ALLOWABLE TIME. 
XXXX has also reaged this debt- re-aging is an illegal act due to FCRA Section 623 ( 5 ) ( A ). This law states : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 


Further XXXX intentionally accepted funds in error for the Federal governed, through XXXX, of a canceled consolidation, which also reaged the date of delinquency and increasing the number of late payments on my credit. 

The debt was also assigned to the federal governed, thus doubling my student loan debt.