23daVinci/CFPB_Complaints huggingface dataset:
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 un

der 15 USC 1681. 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 reason
able cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I noticed an inquiry on my credit report for which I did not give consent. 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b, inquiries on your credit report must be made with your consent. If you notice an inquiry that you did not authorize, you can dispute it. Heres how it works : Dispute Rights : You have the right to dispute unauthorized inquiries, and the credit reporting agency must investigate your claim.

Section 1681i : If the inquiry is found to be unauthorized, it must be removed from your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, I received an alert from Trustedid ( free from Equifax ) that I had suspicious activity on my credit report and that I should log in to my acct to see what it is. 

After spending an HOUR tracking this down, I now know that the alert is for the closing of a credit card that was closed in XXXX!! On my Equifax Credit Report, all account names are not listed. Had the name of all the accts on my report been listed along with the beginning numbers, I would have had better insight into tracking this down. 

I got to the bottom of this by retrieving my XXXX credit report, matching up the account number with an account on my Equifax report for which the name was missing. Then, with account name matched to account number, I was able to match it up with the alert I received. So an account that was closed in XX/XX/XXXXwas just yesterday updated at Equifax. 

Given this extreme and unacceptable delay in processing information ( nearly a decade late ), I can see how this firm was hacked. Unless there is some reasonable explanation for this kind of delay. I just do n't know. 

Another issue with Equifax credit report : on mine, it lists all kinds of accounts, most of them closed, but the report does not state that they are closed. XXXX, in comparison, states that they are closed and gives the date. 

What I really want is to opt out of having any and ALL of my information stored or shared by anyone, forever! This should be my choice. This is my information, and I should not have to be put through all this mess. If I ever do decide I want credit, I will do the work to obtain information that is needed, in writing, the long way. This should be my choice. I have saved money and worked all my life, and I do not want to have to spend the rest of my days looking over my shoulder, and creating yet another login to keep track of, all because I am not given the option to NOT allow my information to be stored by these credit reporting agencies. I have a feeling this is not so simple, and genie can never be put back in the bottle. But this is so wrong.
Product: Credit card

Each year the XXXX and the law firm who is representing them harrassed me and file diffrent claim against my bank account, by phone call and last week by the involuntary lien which they put on my property. 
On XXXX XXXX. XXXX, I received a letter from The Moore Law Group, a professional Corporation who represent XXXX about payment agreement to make a {$25.00} monthly for XXXX payments by XXXX of each month every month. They sent me a contract to sign and Since then I have been paid the due amount on time, each month without even one day late. The XXXX and their representative never on XXXX served me or notified me, that involuntary lien were put on my house. About two days ago I received a letter from Registrar-Recorder/County Clerk, to notify me notice of involuntary lien which was renwed again against my house. What the XXXX and their firm did is a fraud, they never told me that the lien was put on my house in XXXX when they asked me to make monthly payment, they never told me that they will renew the lien.If I am making payments, why withourt my knowledge they have to go to the court and renew the lien.
Product: Debt collection

In XX/XX/XXXX I became aware that I had been a victim of identity fraud and had multiple consumer accounts opened under my name. While I was able to place a fraud alert on my credit report and resolve and close a majority of them with no issue, an account with XXXX I have not been able to resolve. In XX/XX/XXXX I filed a report with the FTC and mailed it along with the fraud packet with per the process on the XXXX website, which resulted in nothing. I spent a few phone trying to speak with a rep about it and was transferred in circles getting nowhere. 

During the same time I received a letter dated XXXX XXXX, XXXX from XXXX XXXX XXXX stating that the fraudulent XXXX account had been placed in collections with a total of {$450.00} due XXXX document attached ). 

In XX/XX/XXXX I received a letter from XXXX XXXX XXXX stating that the collections account had been placed with them for a new total of {$2200.00} XXXX document attached ). Around this time I contacted a law firm for help and requested my credit report from the major bureaus, all which had the collections account reported. I was also receiving multiple calls a day from the company. 

XX/XX/XXXX I received a letter from Source Receivables Management stating that the collection was now with them for the same amount ( doc attached ). On XX/XX/XXXX I sent a debt dispute letter to them. All communications trying to collect the debt stopped and I thought it was taken care of. 

In XX/XX/XXXX I was unable to lease a car without a co-signer because of my credit score from the collections account still being on my XXXX report. 

XX/XX/XXXX - I filed an initial dispute with XXXX about the account. 
XX/XX/XXXX - XXXX replied and confirmed the account was accurate. 
XX/XX/XXXX - I filed a second dispute, with supporting documents ( written statement attached ). 
XX/XX/XXXX - Another fraud alert was placed on my report XX/XX/XXXX - Received mail from XXXX about the second dispute investigation stating the collections account is " Not Specified '' and still on my report. 

I have also taken steps to file a police report to send as documentation if necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent out letters to the credit companies ( XXXX, Equifax, and XXXX ) on XX/XX/2020 demanding to see verifiable proof ( an original consumer contract with my signature on it ) they have on file of the accounts they have listed on my credit report. It is XX/XX/XXXX, ( more than 30 days ), and their failure to positively verify these accounts has hurt my ability to obtain credit. Under FCRA, unverified accounts must be removed and if they are unable to provide me a copy of the verifiable proof, they must remove the accounts they have listed on my credit report.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my report that arent mine
Product: Debt collection

I filed for bankruptcy in 2012. What I owed Ditech was discharged. Now they state I still owe them {$8000.00}. The account shows discharged on my credit report.
Product: Credit reporting or other personal consumer reports

Subject : Request for Immediate Deletion of Charged Off Account Pursuant to FCRA Law Dear Sir/Madam, I am writing to formally request the immediate deletion of the charged off account listed on my credit report. According to the Fair Credit Reporting Act ( FCRA ) Section 605, Subsection ( b ), reporting of delinquent accounts must be timely and accurate. Upon reviewing my credit report, I noticed that this account is still being reported despite being charged off. 

XXXXXXXX XXXX Under FCRA Section 623, Subsection ( a ) ( 5 ) ( A ), it is mandated that information reported to credit bureaus must be accurate and not misleading in any manner. The continued reporting of a charged off account may misrepresent my current creditworthiness and financial standing to potential creditors and lenders.

Furthermore, FCRA Section 611, Subsection ( a ) ( 5 ), grants consumers the right to dispute inaccurate information on their credit reports. As such, I am formally disputing the accuracy of this charged off account and requesting its immediate removal from my credit report.

I kindly request that you investigate this matter promptly and provide written confirmation of the deletion of the charged off account from all major credit bureaus as per FCRA requirements. Please provide me with a copy of the updated credit report reflecting this deletion.

Failure to comply with this request within the mandated timeframe may result in further action being taken in accordance with the FCRA.

Thank you for your prompt attention to this matter. I look forward to your timely response. 

Thank you so much for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.
Product: Credit card or prepaid card

Capital One took over all XXXX XXXX XXXX XXXX cards, due to postal issues ( which were communicated to me by XXXX at Capital One ) I was never informed of this change and never received a Statement nor change agreement. However, I received the new card in XXXX, which is how I knew of the change. In XXXX of XXXX, I used the card for XXXX. From that point, the same postal issue that Capital One already knows about and communicated to me prevented me from receiving any mailed statement. In conjunction with this Capital One sends an email communication to advise you that your payment is late. The problem here is if you already have a capital one profile they do not link the new XXXX  Accounts, so when you use the link nothing shows up but your old Cards with Capital One, so it's essentially a dead link. When I tried to communicate this to first XXXX, then XXXX, and finally XXXX, all they could do was refund me the {$29.00} fee but not the {$40.00} fee. Informing me that that there is nothing they can do, XXXX even advised me that they were aware that there were postal issues preventing me from receiving statements but as she stated " It wasn't Capital One 's Problem '' This quite frankly is a deceptive and unfair practice and I just wanted to report it so others who may not know of any proper recourse don't experience this unfair practice by Capital One. Not to mention I'm sure I can use my {$40.00} far more than Capital One.
Product: Money transfer, virtual currency, or money service

A week ago ( XX/XX/2024 ) I tried to send my XXXX on coinbase to my other wallet and Coinbase immediately locked my account saying they need time to review and blocked me from doing anything with my own money which is worth around $ XXXX saved on Coinbase. I've been patiently waiting for a week and today ( XX/XX/XXXX ) I called their customer service and was told that they don't have a timeline regarding the review.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I briefly opened a Sezzle account. While trying to add my XXXX debit card to their system for payments I was unable to add the card. Sezzle 's system kept removing my apartment number so the card could not be added. I immediately closed the account, however, somehow Sezzle was still able to send a 7-day hold authorization through onto my XXXX card. Now I can not trust that my card info has not been compromised. I tried to close my XXXX account, however, XXXX states that Sezzle has placed the hold on the card and I can not close it until Sezzle removes the hold. 

On XX/XX/XXXX & XXXX, XXXX  I asked Sezzle to remove the XXXX-day hold authorization. They refuse to remove the hold AND ALSO they refuse to delete my card information from their system even though I closed the Sezzle account immediately after experiencing this issue. I NEVER EVEN MADE A PURCHASE THROUGH SEZZLE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
INQUIRIES INCLUDED IN DISPUTE : XXXX XXXX Inquiry Date : XX/XX/2020 XXXX XXXX XXXX Inquiry Date : XX/XX/202XXXX XXXX  XXXX Balance : {$0.00} XXXX Inquiry Date : XX/XX/2XXXX XXXX XXXX Inquiry Date : XX/XX/2020 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I provided both XXXX and Experian the proof to remove creditor XXXX XXXX, Acct # XXXX, Report Date : XX/XX/2021. XXXX removed the inaccurate account, however, Experian still has the account reporting. I demand that the account be verified or removed immediately.
Product: Checking or savings account

I received a mail notification from Discover explaining that an attempt to open a bank account in my name occured on XX/XX/XXXX. As a result, the fraudulent applicant could not verify required information, and the application was denied with an ongoing investigation. There has been several attempts within the past three to six months successfully applying for credit cards, hacking my credit websites, redirecting current credit cards, email, and voicemail. As a result, I have put in place a security freeze on XXXX XXXX and all three credit bureaus along with two-step verification processes.
Product: Credit reporting or other personal consumer reports

I called the company and the representative was advised that I am not the account holder and he is deceased since XXXX so why are they reporting to my credit report the representative said to me on XX/XX/XXXX that since I was an authorized user I can just apply to have a card myself I told the representative to remove this from my report because it is illegal and fraudulent and violates code 15 USC 1681B ( 2 ) and I would pursue suing the company because I did not apply for this account nor am I a primary user of the account. The representative hung up in my face
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX  ) XXXX Balance : {$160.00} XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$97.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$83.00} XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$18000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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. According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX this is a statement verifying my identity along with my proper identification attached. I received a letter stating this company believed that I didn't dispute the information in fact it was me so moving forward I would like to receive correspondences via this portal.
Product: Credit reporting, credit repair services, or other personal consumer reports

Every time I dispute this erroneous info I get serious run around from XXXX XXXX ; they incorrectly and secretly charged me an XXXX cent late fee in XXXX, 2021 ; They realized that I never should have been charged that hidden fee and reversed it on XX/XX/2021. Problem is they refuse to update the credit reporting agencies that I was in fact NEVER past due! 

Whenever I call them about it, they empathize and tell me they'll fix it, but then they don't. 

Please help- this is insane!
Product: Vehicle loan or lease

I purchased the vehicle which is financed by American Honda finance. My address is in state of XXXX XXXX but I do work for XXXX  XXXX XXXX  commission XXXX XXXX XXXX. Therefore I am required to register the car in XXXX XXXX XXXX. The XXXX XXXX  XXXX allows XXXX XXXX residents to register the car in XXXX XXXX  state for this purpose. Since the car was purchased and financed from XXXX XXXX dealer, I needed the certified copy of the vehicle title and permission letter from honda finance to tranfer the registration to new york. But the honda finance refused to provide me the documents to do so. As I mentioned there is no policy in the signed contract between me and honda finance to prevent me from transferring my registration to XXXX XXXX from XXXX XXXX while I am residing in XXXX XXXX as well as there is no legal provisions to not allow me to register the car in XXXX XXXX while residing in XXXX XXXX. Since I am the legal owner of the vehicle, the honda finance violating my consumer right by refusing to provide me the proper documents and causing me loss of income. I can't use the vehicle to earn my living, while paying for the monthly payments. 
Please do further investigate the situation and make them aware that they are breaking laws. As well make them to make up for my lost income. 
Thanks, XXXX XXXX XXXX
Product: Debt collection

Back in XX/XX/XXXX, it was brought to my attention that I had a collection on my credit report to XXXX in the amount of {$76.00}. I contacted the company and informed them I had never had service or signed up for this insurance and that the charges did not belong to me. I requested a copy of support of me applying for the insurance and informed them that I wanted to file a " Dispute '' with the company. I was under the understanding that this collection was resolved. Now currently in XXXX that collection is still on my credit report and does not reflect a dispute being filed. 
I want this resolved and removed from my credit report since it is not mine and the company has failed to provide me support that I applied or authorized this account. 

Kind Regards
Product: Debt collection

I am receiving multiple phone calls a day from Synchrony bank. They are using a couple of different phone numbers : XXXX, XXXX, XXXX, XXXX, and XXXX. Some of these calls are coming only minutes apart, others are coming almost every hour. Here are a few examples. On XXXX/XXXX/16 I received calls at : XXXX. On XXXX I received calls at : XXXX. This morning I received two calls almost back to back at XXXX. and XXXX I have spoken to them regarding the debt and trying to work out an arrangement, but they are not very willing to work with me and my situation at the moment. I have asked them to stop the repeated calls and the calls keep coming.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX  # XXXX, XXXX XXXX Bank Acct # XXXX, US DEPARTMENT OF EDU Acct # XXXX, XXXX XXXX XXXX Acct # 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
Product: Credit reporting or other personal consumer reports

Someone used my credit without my authorization. I recently viewed my report to find many items that I did not authorize on my credit report