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 under USC 1681. 



XXXX. XXXXXXXX XXXX XXXX XXXX  XXXX XXXX # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights. 

15 U.S.C 1681 section 602A. states I have the right to privacy. 15 U.S.C 1681 section 602A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c ( 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.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Manual verification is required from notice. These items are illegal and needs to be removed asap. 

Copies of my signature needs to be provided and dates. These accounts are illegal and as i stated needs to be removed. 

Under USC Sec 15 Under USC 1666b USC 1637 ( b ) 15 USC 1681s-2 15 USC 16811i 12 CFR 1006.34c 12 cfr 1006.6c 15 usc 1671e ( b ) 15 usc 1681s-2 ( A ) UCC 9 Part 6, and FCRA tbese accounts were already disputed and passed timeframe of removal from all three Credit Bureaus XXXX, Equifax, XXXX . These accounts needs to be removed immediately. 

None of my signatures are on any of these fraudulent accounts. Also my name is XXXX XXXX as stated on my credit report. All of these items are fraudulent and needs to be immediately removed! 


MY information was EXPOSED in multiple data breaches across XXXX, Equifax, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP! 

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my Equifax, XXXX, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), 1682, 1683, 1684, you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 


Under USC 15 1681, 1682, 1683, 1684 these accounts must be removed immediately. 

I am requesting a manual veriication and not an automated process through XXXX, Equifax, and XXXX stating that it is verified and updated. There is no way you can verify and account that is illegal and unauthorized. I already reached out twice now, and legal action will be taking under FCRA and FTC reports against these companies and also credit bureaus. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$690.00} XXXX XXXX XXXX  {$690.00} Date Opened XX/XX/XXXXXXXX XXXX XXXX {$110.00} Date Opened XX/XX/XXXX XXXX XXXX Date Opened XX/XX/XXXX Balance {$4600.00} Inquiries XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Transunion a total of 4 times regarding disputing invalid credit inquiries on my credit report. I pulled a copy of my credit report and saw that there were a total of 7 credit inquiries from different companies that I never authorized to pull my credit report. I dont believe this information is related to identity theft because I contacted each of these companies and gave them my personal information including Name, Address and Social Security number and they could not locate any applications or accounts on file. I believe that my information is being mixed with someone else. I contacted Transunion to investigate these inquires are they would not even dispute the inquiries from my credit report. They stated that inquiries are factual data and can not be disputed. Transunion is violating the Fair Credit Reporting Act by not disputing inaccurate information on my credit report. This is why I am filing a complaint against Transunion. Transition has failed to conduct a reasonable investigation regarding this issue which is in violation of the Fair Credit Reporting Act. I would like Transition to remove the following inquiries. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXl XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX   XXXX XXXX XXXX via XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX via XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I have already sent a letter addressing the inaccuracies and unknown items on my credit report, but unfortunately, I have not received any response even after XXXX days. It feels like I'm being taken advantage of and my disputes are being ignored. According to Section 611 ( a ), if these items are not investigated within 30 days, they should be promptly removed from my credit report. Since it has been over XXXX days, I expect these accounts to be updated immediately. If not, I will have no choice but to pursue legal action due to the stress this situation has caused me. Additionally, my information was also affected by the XXXX, XXXX, and Transunion data XXXX, which raises concerns about the security of my personal data.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I filed a dispute with TransUnion due to a collection is showing erroneous data on my credit report. The account was paid. The amount and status showing on the collection account is incorrect. The account is with XXXX. I also noted that the other credit reporting agencies do not show the account on them as a collection account. Furthermore, my credit reports has a lot of erroneous data that I have asked for TransUnion to delete several times. I can not understand why they would want to report incorrect information. Especially, when I, the consumer, ask for the credit file to be updated with accurate information. Please help! I just dont know what to do with this company. My credit score is drastically different from the other two reporting agencies. I am finding it weird. I hate to play the discriminatory card but it sadly starting to look that way.
Product: Debt collection

I am writing to formally request the removal of a collection account from my credit report due to inaccuracies and issues surrounding this account. 
Account Information : * Creditor Name : Progressive * Account Number : XXXX * Collection Agency : XXXX XXXX XXXX  * Date of Collection : XX/XX/year> Reason for Complaint : 1. Inaccuracy : I have no agreement with the original creditor for the past due amount being reported also the terms are incorrect 2. Lack of Proper Notification by collection company and they have not sent me a validation of debt.

I request that the CFPB investigate this matter and assist in the removal of this collection account from my credit report. This entry is negatively affecting my credit score and overall financial well-being. 
Thank you for your attention to this matter. I look forward to your prompt response.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received documentation from OpenRoad lending offering to refi my XXXX for a lower interest rate. After I spoke with a representative it was obvious that they could not beat the rate I currently have so I declined the offer. I did expect ONE hard credit pull for this transaction, but there are THREE-two of which I do not recognize nor did I approve.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report, I've noticed accounts and inquiries that weren't authorized by me. I've received multiple calls in regards to these debts that were never initiated or even known by me. These account need to be removed from my credit report.
Product: Credit card or prepaid card

On XX/XX/2023 at XXXX. I received a text from Truist asking if I attempted to make a purchase from " XXXX XXXXf XXXX ''. I called the customer service number and told the representative I did not attempt to purchase anything with that card as I hadn't used it since XXXX and it sits in my drawer. 

The representative then informed me there were other purchases made with this card including an airline ticket for over {$1800.00}. Which I informed them that I definitely did not make nor authorize. I was told everything would be investigated and I could be sure these items would be taken care of since I didn't authorize them. 

I received a letter from Truist a few days later dated XX/XX/2023 stating these charges would be removed from my credit account balance. When I checked a few days later all charges were removed except the airline ticket ( XXXX ). When I called to inquire about this I would told it was still being investigated. 

I went into a local branch on XX/XX/2023 XXXX XXXX, Senior Representative for the branch. I informed her of what was going on and she attempted to assist with the issue. Our first contact was with XXXX XXXX who stated the investigation was conducted and approved. I should see a refund of the {$1800.00}. When asked when she said she didn't know and transferred us to another representative XXXX XXXX XXXX ) who said it was not approved and I would be responsible for the charges. When asked why he said he didn't know. 

XXXX asked that we be transferred to escalte this issue and XXXX XXXXan said it would definitely be escalated and I would hear from someone soon. It has been over a month and a half and I still can not get resolution to this issue. No one has answers and I told them this is effecting my credit score. 

Any assistance that could be given to help with this situation would be greatly appreciated.
Product: Checking or savings account

I XXXX XXXX POA for XXXX XXXX. XXXX took a cashiers check to BMO for deposit, they took {$100000.00} an put it in a CD acct, an {$30000.00} in his checking. However we thought the whole thing was put into his checking until we received a statement which only showed the {$30000.00}. We then went to the branch, to speak with mger. He told us it was put in XXXX. Asked why he said XXXX told him to do so, so not true. After XXXX asked if they can add my name to acct, he said he had to talk with regional team first, told us XXXX have an answer within 3 days. We go back in 3 days to get the answer, he said still waiting. At this point XXXX asked to close his accts, he said he could close checking, but suggested he keep XXXX open. After XXXX said he wanted to close both accts mger then said he has some concerns. We asked what they were, he then said he didnt think XXXX XXXX state was right. However he had the same XXXX XXXX  he had when bringing the cashier ck into the branch. I asked who authorized the CD acct, he said a banker, I said only manager can do so not a teller. He said his counter partner or his self, XXXX then interv
Product: Student loan

I took out private student loans beginning in XX/XX/XXXX that came to total {$20000.00}. By the time I graduated and once my grade period had ended I began paying those student loans in XX/XX/XXXX. My monthly payments have been between $ XXXX- {$250.00} every month since then. Over the past 7 years Ive experienced financial hardships ( putting it lightly ) due to the high cost of living + my student loan debt. I attempted multiple times, begging and pleading to the point of tears, literally while on the phone with Navient, to please help me lower my payments. I asked if I could refinance By releasing my a co-signer and they said Yes, after making 24 consecutive payments. 24 months went by, payments made without missing a beat! I was so excited to call and have my co-signer released and my payments lowered after making so many payments! Heartbreakingly I was told that I did not qualify to have said so-signer released or my payments lowered due to my credit, which was actually GOOD at the time ( worth mentioning : my co-signer also had good credit ). Theres never any help other than deferring my loans or putting them into forbearance for a month or two at a time, which only makes the situation worse in the end because of more capitalized interest. I was late on payments some months, but not by much due to Navients borderline harassment phone calls collecting payment. I would be less than a week late and still receive calls multiple times a day, many Saturday afternoons and Sunday evenings. Ive tried so many time over the years to have my payments lowered, all to no avail. Theres never any valid or explained reason other than I just have the lowest payments available already. Heres the kicker- Ive made 72+ payments worth $ 230+ and I still owe {$17000.00} ... thats only {$2500.00} less than what I originally took the loan out for ... 7 years after consecutive payments!!! One interest rate is 11.25 % and the other is 6.25 %. Believe me, Id love to throw larger amounts of my measly paycheck at this balance every month, but HOW?! Im barely surviving as it is. Ive worked steadily 3-4 jobs at any given time over the last 4 years trying to make ends meet. Navient has done absolutely nothing to help me ... Theyve actually done the complete opposite and have seemingly deliberately made life more difficult for me. I dont know what to do any longer. I feel like Ill be paying these for the rest of my life with my incredibly high interest rates and lack of support from Navient.
Product: Debt collection

I financed a XXXX XXXX XXXX  from Us Auto sales  on XX/XX/XXXX. Us auto sales went bankrupt and the assets were sold to westlake portfolio. My car was repossessed about 2 months into them having my account. I was not late or any payments. I am being told that I still owe XXXX dollars on the vehicle and I have a repossion on my credit file. I have reached out and tried to get my car back, and also tried to get my original contract to go over the details as the amount owed is not XXXX. 

Also us auto sales sold me a warranty that wasnt valid. My car needed work on it and when the warranty XXXX XXXX was called they told us we were not covered even after it was included in my car notes.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Record Type : Bankruptcy chapter XXXX-discharged Date Filed : XX/XX/2011 Amount : {$0.00} Case Number : XXXX I am disturbed that bureaus continue to list the dismissed bankruptcy as confirmed. 
The law states from date of adjudication or date of order for relief. Any case, civil or otherwise, that has been dismissed no longer exists in the eyes of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. 

Therefore, it is only fair that in accordance with Section 1681 ( a ) ( 5 ) of the FCRA you delete this information from my credit report
Product: Credit card

I received in the mail a Capital One XXXX Credit Card, which I do not have an account for, nor did I submit an application for. Upon receipt of this card, I called Capital One Customer service to alert them of the fraudulant activity and account. They have placed a " hold '' on my account and are opening an investigation.
Product: Checking or savings account

XXXX XX/XX/year> I was scammed by a the suspect cloning XXXX XXXX. The suspect deposited {$2400.00} and {$2200.00} and then transferred out. USAA then charged me for the amount also. Their response was they have had this happen a lot this month and they do not have FDIC insurance for bank accounts. The suspect also hacked my XXXX and USAA account. They changed my pin and locked me out of my account. Lastly, the suspect challenged my rent and then USAA charged me a second time for {$1800.00} for me rent. 
This took my entire military retired and VA XXXX pay. Taking all of XXXX and XXXX money. USAA is still trying me to pay them rent again even though I am struggling to actually pay me rent.
Product: Debt collection

To whom it may concern, Westlake financial services is reporting a charge off on my credit files. 

I contacted westlake financial services In XXXX XXXX to request my 1099 for the debt they wrote off. 

XXXX has failed to provide me with proper documentation regarding the charge off after I paid in XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

On a Synchrony Bank Account under my name, there is information posted indicating the account is current from XX/XX/XXXX., XX/XX/XXXX and XX/XX/XXXX. Never in any of these 3 months was the account ever brought current. In fact, it got worse at time went on. This is important because the account should have went into Charge Off status much sooner. It seems to me, it was put into OK status to extend the period in which to try to collect.

The Date it should fall off my credit report is showing as XX/XX/XXXX but in reality that date should be XX/XX/XXXX based on the true delinquency dates. 

I sent an e-mail to The Office of the President of Synchrony Financial in a response to an e-mail in which was sent to me regarding a matter regarding this account. This matter is a separate matter not addressed.
Product: Credit reporting or other personal consumer reports

Re : Method of Verification Highly Requested Under 15 U.S.C. 1681i ( 7 ) Method of verification As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 USC ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description. 
Please send the following information used to validate the validity of the invalidated items below : Incorrect Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- The following personal information is incorrect- As a consumer by law this account must be DELETED immediately. 

XXXX XXXX XXXX XXXX XXXXXX/XX/year> - This inquiry was not authorized - As a consumer by law, this needs to be DELETED immediately. 

XXXXXXXX XXXX  - Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. - As a consumer by law this account must be DELETED immediately.

Items Highly Requested 1. The name of the original creditor 2. The creditor 's address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute. 5. Also, the procedures your company h
as in place to ensure each account is 100 % correct which I doubt.

6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATION YOU ARE COMMITTING.

In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance procedures, I am requesting this information to review for completeness and accuracy, and appropriateness. In lieu of sending the information, you can reopen the dispute and ensure a proper investigation is performed. If you fail to comply with this request and send all documentation that proves you saw and were sent valid documentation to say these items are 100 % accurate you will be held liable under 15 U.S. Code 1681n and 15 U.S. Code 1681o Civil liability for negligent noncompliance.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise my right under FRCA and pursue legal action.
Product: Debt collection

Vital recovery makes repeated phone calls during the same day. I have asked them to stop. Today they made phone calls back to back, two minutes apart. This is harassment!
Product: Prepaid card

I purchased a {$10.00} Google XXXX gift card at XXXX. I followed the instructions to redeem the card in the Google XXXX app, and also tried to redeem the card to my account through the web interface at Google.com.

Google claimed they " needed more information '' and would not honor the card. When I emailed them to resolve the issue, they claimed the card was invalid. 

Upon researching this issue online, I found this issue is widespread, and that Google is not honoring their Google XXXX gift cards en masse. 

I want my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to have XXXX remove an unauthorized XXXX XXXX with no success. I have attached the letter from XXXX XXXX authorizing that the inquiry should be removed.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX  my identity was stolen and all accounts from different companies started appearing in my credit report. I am unaware of all of these accounts. There are closed accounts from XXXXXXXX XXXX XXXX XXXX XXXX XXXX  and many more.
Product: Vehicle loan or lease

I fell upon hardship during Covid-19. I lost my primary job and was placed on furlough for my secondary. On XX/XX/XXXX, I was laid off permanently from my secondary job. When I spoke to the loan company, ( Capital One ), about having offer letters and starting back to work, they seemed less interested in trying to help me. I also complained about the fact that I attempted to answer the phone from the company on multiple occasions and the agents would hang up immediately. I have complained about the agents hanging up for the better part of 3 years. I think the company is attempting to tack on fees in order to turn my account over to collections and are attempting to threaten my credit with a blemish in an attempt to make me pay more quickly. I also think that agents were hanging up so that they could document non contact in order to send the account to collections. I have only ever had one contact with the company by mail starting XX/XX/XXXX and that was after I told them that I had gained employment and they stated they were no longer willing to work with me to get the payments up to date. When I called them, I was told it would take 24 hours to get back to me and no one ever did. On other occasions when I asked for the Office of the President, I was told that I could not be transferred there, they were unavailable, or they refused to transfer me to a Supervisor or Manager.
Product: Debt collection

I never once received anything in the mail or through email from this debt collector, nor had an account with this credit company because of their low limits. 

This company called me on Friday, XX/XX/XXXX and threatened legal action against me and never once sent an invoice or anything in the mail.
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.

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 inructions.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