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

Also see : FTC report # XXXX My identity was stolen in several national data breaches. Fraudulent charges, accounts opened and accounts added to my consumer credit report that i did not open. All of the these accounts has been reported and disputed, then removed from said report. One account that was fraudulantly opened then placed on my consumer credit report marked as " not paid '' and was opened in result of my identity being stolen in a national data breach LVNV FUNDING LLC. Is a fraudulantly opened account that was has added $ XXXX of fraud debt that i have disputed and had removed from my consumer credit report many times. Yet this company keeps selling this debt or passing it off and then keeps adding it back to my consumer consumer credit report under a differnt name. I have sent the merchant ( XXXX XXXX XXXX, XXXX. ) that originally reported this fraudulently opened account to the credit bureau XXXX XXXX ) several letters to stop and making them aware this was not my debt it was opened fraudulently, they then close the account as a charge-off untill i have to dispute that also. Once completely removed its time for the name change game they play. 4 years I've been battling this deceptive practice by these or this company on top of dealing with identity theft. I ask for XXXX, XXXX, XXXX XXXX and XXXX to BLOCK these " furnishers of information '' XXXX XXXX XXXX XXXX also block LVNV FUNDING and RESURGENT CAPITOL SERVICES from reporting this fraudulantly opened account XXXX in the amount of {$1000.00} to my consumer credit report or any other of my personal consumer information channels. For over 2 years the above listed reporting businesses has damaged my XXXX  and kept me from getting loans, credit cards, housing, reliable transportation and also jobs. 

Please see attached document sent to me today ; that clearly states what they do and how they do it. 
Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX  XXXX
Product: Debt collection

Caine & Weiner is trying to collect a debit of {$400.00}! I never signed any documents with this company. They are not even licensed and bonded to collect debts in the state of XXXX.
Product: Vehicle loan or lease

We had a guy reach out to us on XXXXXXXX XXXX XXXX about our truck he wanted to buy it he said he was talking to his bank and they would call Ally and pay the truck off I looked online at our statement and it said we owe XXXX he paid XXXX on our loan We sold the truck and they paid it off. I called Ally ( the finance company ) they don't have a branch so everything is done online. 
And they said our truck was paid all that was left was {$24.00} so we paid that. 
I called Ally again and they assured me the truck was paid in full and would be nearly impossible to reverse the funds I talked to them for XXXX minutes they even transferred me to the processing department where they actually took the funds. Everything was paid we were good to let the truck go. 

XXXX  night a guy from Tennessee kept calling said he had a question about a truck so we decided we better call him back and he asked us if our truck was stolen. We said our truck was paid in full. The guy bought it. He said the guy just sold it to me for a ridiculously low amount, you don't even know how much he sold it to me for how much he said XXXX I said that's weird because he just bought it from us for XXXX. So I called Ally again on XXXX. They said the truck was clear. It would be nearly impossible to reverse the money so then I said what does XXXX mean? 
Before the transactions it said XXXX she said it was probably a credit card transaction. They did XXXX transactions under {$3000.00} and everybody thought it was funny. It cost him XXXX XXXX  for each transaction and they said it was legit like no worries. Let the truck go so we assured the guy from Tennessee the truck was not stolen. 
Ally sent us a letter stating we owed XXXX on the truck to her the XXXX released. We Received that on XXXX  XX/XX/2024 On XXXX  XX/XX/XXXX I checked with Ally again and the funds were reversed. And when we call Ally they hang up on us.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, VA, XXXX XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX Subject : Request for Deletion of Incorrect Charge-Off Account from XXXX XXXX Dear TransUnion XXXX XXXX XXXX XXXX to formally dispute the charge-off account from XXXX XXXX listed on my credit report XXXX I am requesting that this account be deleted from my credit report due to incorrect information and the inability to provide original account documentation verifying its accuracy. 

I previously disputed this charge-off directly with XXXX XXXX and XXXX through the Consumer Financial Protection Bureau XXXX CFPB ). Additionally, I am concerned that credit reporting agencies, including TransUnion, XXXX not be thoroughly processing disputes. This concern is heightened by the XXXX recent lawsuit against XXXX, which alleges that XXXX has been closing investigations without properly reviewing or addressing disputes as required under the Fair Credit Reporting Act ( FCRA ). 

This raises significant questions about whether other credit bureaus, such as TransUnion, are properly investigating disputes or allowing incorrect information, like the XXXX XXXX charge-off, to remain on consumer credit reports unjustly. Failing to conduct a fair and reasonable investigation is a violation of my consumer rights under the FCRA. 

Given these circumstances, I demand that the XXXX XXXX charge-off account be deleted from my credit report immediately. If TransUnion can not provide original documentation validating the legitimacy of this account, its continued reporting is both unwarranted and harmful to my credit profile. 

Please provide written confirmation of the outcome of this dispute and any updates made to my credit report. I expect a response within the XXXX timeframe required under the FCRA. If you need additional information or have questions, you can contact me at XXXX. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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. 

XXXX  XXXX : Account # XXXX, XXXX : Account # XXXX has violated my rights. 

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 card or prepaid card

I was CAPITAL ONE BANK USA NA customer since XXXX and during that time, I have enjoyed my experience greatly. I am writing to see if you would be willing to make a " goodwill '' adjustment to your reporting to the three credit agencies. I have late payments on the above referenced account XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX ). Since that time I was an exceptional customer paying every month on time. Because of my exceptional payment history over the last years, I would like you to consider removing the negative payment from my credit report. At the time of the late payments, I was in the process of changing jobs. I say that not to justify why the payments were late, but rather to show that the late payments are not a good indicator of my actual credit worthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the SECOND complaint about this issue with this financial institution, since last XXXX. They are not updating my payment history and balance for this mortgage in a timely manner. They are blaming this on Hurricane Irma, but my property received NO damage and I have made every single payment on time, always. It is damaging my credit history and score. Trans Union is showing last payment of XXXX, XXXX and XXXX is showing XXXX, XXXX payment and balance info, and nothing further. My last payment was XX/XX/XXXX. Both bureaus are showing balance too high, and incomplete payment history. I filed a dispute with TransUnion via XXXX XXXX, which TU never replied to.
Product: Debt collection

In XX/XX/XXXX my ex husband and car salesmen told me to sign a document so my name can be on the title of his new car purchase in case I get pulled over. I told them I was n't co-signing and they assured me I could n't because I did n't have good credit and it was only so my name would be on the title. I signed a piece of paper and fast forward XXXX years now the debt is mine. The creditor has taken my state taxes. I 'm remarried and they have gone into our joint account and taken over {$600.00} ( which was our rent for that month ) and I was n't working so it was my new husband income but according to the bank married couples take on each others debt. Now they are taking my child support from my personal account I 've had for years with no incident until they merged with another credit union. Although I have not worked since XX/XX/XXXX they continue to harass me and recently took {$7.00} well because that is all I had left in that account. I made a {$300.00} deposit to rent a car but took it out the same day once I could n't get the rental. My point is there are no deposits for this account other than child support from a income standpoint. I called my credit union once before on the same issue and they told me they could n't do anything because it was a garnishment. I informed them it is illegal to take child support as payment for a debt. They informed me that any deposits made to my account is fair game. So, I 'm at a loss and will have to file for bankruptcy I 'm guessing. However, I wanted to put this on the record that I have contacted the Attorney Generals office and they sent back the creditors response which included the form I signed plus another XXXX I did n't sign that miraculously had a signature that was n't mine on it. These creditors take illegal measures with consumers that ca n't afford to fight back because no one holds them accountable. So for all the consumers out there, DO N'T SIGN ANYTHING WITHOUT READING IT.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX il, XXXX Experian XXXX XXXX XXXX XXXX, TX XXXX Dear Experian I am writing to update/correct my personal information on file with your company. 
Please update my address to : [ XXXX XXXX XXXX XXXX XXXX XXXX ] Please update my name to : [ XXXX XXXX XXXX XXXX My only social security number is : [ XXXX ] My only and correct date of birth is : [ XXXX ] I do not wish to have any telephone numbers on my report. 
Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office, and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely XXXX XXXX
Product: Credit card or prepaid card

I have an account with discount tire and I used them I always made my payments and always more then the minimum they ran my credit without my authorization and lowered my credit from XXXX to XXXX they said they see I pay my payments on time but it was something on my credit so they lowered it and I got notified and few months later through the app when I went to make a payment they closed my card I have a balance left on it which Im still to pay but they didnt need to close my account I use the card I never been late and they never had any payment issues from me they keep saying we sent a letter but I never got one and cant get an email from them other then when to pay them
Product: Credit card or prepaid card

Requested Synchrony 's assistance with defective furniture that was delivered by Ashley Furniture Homestore, but Synchrony basically did nothing to help. Each time, Synchrony would respond stating " we ruled in favor of the merchant, '' without requesting any evidence from me. I was stuck with paying Synchrony for two pieces  of furniture that arrived damaged and defective. 

As such, I sought legal advice, and the lawyer re-sent Ashley pictures of the pieces of furniture. As a result, Ashley has decided to exchange the pieces of furniture as well as refund any interest that we paid on the account ( see attached ). However, in order to refund the interests, Ashley needs written proof of the interest paid to date. Accordingly, I requested this information from Synchrony in XXXX but nothing was done. I reached out to Synchrony again on XX/XX/2020 and was told that I would receive the information via mail within seven business days. To date, I have not received the requested information, and I continue to pay interest on the balance on the account. Further, This balance is not valid ( as evidenced by the attached letter ) since I never received what I paid for.
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 XXXX XXXX Account Number:XXXX has violated my rights. 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 XXXX 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, credit repair services, or other personal consumer reports

on XX/XX/XXXXa confirmation that a dispute i had file with Equifax was finish. the collection account was verified [ XXXX XXXX XXXX ] i did not ask for any verification of account. XXXX XXXX XXXX was sent a cease and desist certified letter in the mail and receive on XXXX the same information forward to equifax. Equifax stated that it was verified by [ XXXX XXXX XXXX ] and it still remains on my credit report. XXXX XXXX XXXX collected on this account XXXX they did not cease and desist any collection activity of the account which is a violation of the fair debt collection act.And Equifax keep stating that it is verified so XXXX XXXX XXXX confirm that they did receive the cease & desist letter to equifax. This account should be removed.
Product: Credit card or prepaid card

Someone opened a credit line with Navy Federal Credit Union for XXXX $ on XX/XX/XXXX of XX/XX/2020. They also tried to open other credit cards in my name!! They said I work for the XXXX which I have never been in the military. Also using a address I have never been to in XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. I need this taken care of asap. How ever we have to do it need to do it.
Product: Credit card or prepaid card

This is in response to BOFAs response to my complaint regarding their refusal to grant me provisional credit as required by law and their refusal to provide a written account of their investigation within ten days as I requested.

BOFA, you state you need 60 more days for a resolution. THAT IS UNACCEPTABLE. This has been an " investigation '' for over a YEAR. You have failed me as a consumer, you have lied, you have withheld information and you have done everything in your power to refuse me my right to provisional credit. What you are doing is ILLEGAL. How dare you not provide me a written account of this investigation, which I have requested and you continue to stall, saying you need 60 more days? No. You. Do. Not. I'm retaining an attorney today. This is a vulgar display of power and I will no longer put up with your excuses and your lies. I'm not afraid to take you on. The XXXX is on my side. You violate every regulation in this industry there is. You wanted to play with XXXX recipients. I'm not playing anymore. Provide me a written account, grant my provisional credit, and do it within 72 hours. If you refuse, I'll see you in a court of law.
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer - POSTAL OFFICE Incorrect Name : - XXXX XXXX Incorrect Name : - XXXX XXXX XXXXXXXX Listed below are the Collections that are being challenged XXXX XXXX XXXXXXXX Listed below are the Public Records that are being challenged Federal - XXXX. PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPB-2022-0023 ] RIN 3170-AB12 PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TOTHISMATTER!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, Transunion, XXXX, and XXXX has violated my federally protected consumers rights to privacy and confidentiality under 15 U.S.C 1681 section 602 A.

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. States that a consumer reporting agency can not furnish a account without MY written consent.

15 U.S.C 1681A section 2. States, The term consumer report does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report. 

These items do NOT belong on my credit report : -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Phone number XXXX -Employment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX XXXX XXXX Fort XXXX Fl XXXX -Address XXXX XXXX XXXX XXXX apt XXXX XXXX Fl XXXX -Address XXXX XXXX ct XXXX, Ga XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX Number XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : -XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 
Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit card

HSBC is no longer sending bills. I have a {$10.00}. charge from XXXX XXXX that I was never sent. When I configured my HSBC online banking account I never signed up for 'e-statements '. When I checked my online setup on XXXX XXXX, XXXX the 'estatements ' option was not selected. HSBC customer support was unable to help after escalating, the HSBC Supervisor was too busy to speak with me. HSBC customer support would not take care of the late charges, accept resposibility for the issue nor cancel this MasterCard account.
Product: Credit reporting or other personal consumer reports

Someone close to me opened this account in my name. I have talked to capital one and they have sent it to a collection agency and do not want to deal with me regarding this fraudulent debt. 

Please remove this from my credit file.
Product: Credit reporting or other personal consumer reports

recently reviewed a copy of my credit report. I was shocked to learn that I have been a victim of idently theft. I found numerous accounts on my credt report that were not open by me. This has been hurting me as I am in the process of buying a home for my family. Please remove the fraudulent accounts from my credit report as soon as possible.