23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Originally, after opening an account with Shop Your Way through Sears, I received a phone call from the Consumer Protection Department, but I couldn't answer so they left a voicemail. I forgot about the voicemail and it sat in my inbox. 

On XX/XX/2020, I tried to register for online access to my account using the card issuers website ( XXXX ). After I input the required information into the registration page, I received a message stating " We can not register and/or activate your card at this time. Please call Technical Service at XXXX. '' I called the number and it connected me to the Fraud Center. I was told that there was a problem with my card and that they would need an account verification either by email or regular mail. They would not tell me what the problem was, so I agreed to receive the verification. I waited for about one week and had not received anything, so I decided to try to register again and received the same results. At this point, my payment due date XXXX XX/XX/XXXX ) was 2 days away. I called the number on the back of the card to make a payment by phone, and again was transferred to the Fraud Department, and they told me the same thing, that they can't tell me what's wrong with my card, and that I would have to wait for the verification to arrive. I asked them how I could make a payment and they said they would transfer me to the payment department. I was connected to the payment department, and they told me there would be a XXXX-dollar charge for processing my payment. I declined and asked how I could avoid the charge, and they said that they could transfer me to the automated system. I agreed. When they transferred me to the automated system, it never connected me, and instead transferred me to the Fraud Center again. I spoke to a different person, and they again refused to tell me what the problem with my account was. I also asked to speak to a manager but was told that one was not available. 

This whole process cost me a {$29.00} late fee because I had to mail my payment in, which they received 2 days late. I understand I could've mailed it out sooner, but I was waiting for that verification by mail or email that never arrived.
Product: Credit reporting or other personal consumer reports

I'm in disagreement with the account listed below which still appears on my credit report, even after your Investigation. I would like this item immediately re-investigated.

The inaccuracies are highly injurious to my credit score XXXX XXXXXXXX - Account Number XXXX showing balance of XXXX In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, provide the names and business addresses of each individual with whom you verified the. follow up. Please send me an updated copy of my credit report after your reinvestigation. 
This account says it was charged off on the following date ( XX/XX/2023 ) Since then the account has repeatedly been updated as charged off every month. This is an update in the payment history. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.You failed to investigate this account properly and your neglect has violated my rights. I am demanding a deletion of the following account : XXXX XXXX - Account XXXX XXXX showing balance of XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I Would like for any negative accounts on my Experian and XXXX credit report to be removed as they do not belong to me. I am a victim of identity theft and my information has been leaked in a data breach. Accounts that are positive and paid in full belongs to me only. Experian refuses and has not fully investigated all negative accounts as they reappear after deletion or has never gone away. This is a big inconvenience that is affecting my credit score daily. Here 's a list below of all accounts that has not been removed or reappeared after sending proof numberous of times. 

XXXX XXXX XXXX XXXXXXXX XXXX Account belongs to Ex spouse used my information without my consent/ authorization. 
- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and any other negative accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam Capital One made Unauthorized Hard Inquiry and i contact them to remove they didn't response my mail and i have a fraud alert on my Credit report with 3 agencies XXXX, XXXX, XXXX Inquiry date : XX/XX/2018 Inquiry date : XX/XX/2018 so i attached copy of my credit report with confirm unauthorized inquiry from XXXX Agency
Product: Credit reporting or other personal consumer reports

In accordance with Fair Credit Reporting act Convergent Account name XXXX 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
Product: Mortgage

Weve always had lovely interactions with XXXX XXXX until they decided to transfer our loan to XXXX XXXX Powered by Carrington ( addressed as Carrington moving forward for simplicitys sake ). Carrington has already been unpleasant to deal with. We called around XX/XX/XXXX to inquire about an assumption for our VA loan, they advised us that the current turn around time is around a month to 45 days for VA loan assumptions. Then after accepting an offer on our home, and the assumption packet filled out and accepted, we got an email saying that there is no possible way to have a closing XX/XX/XXXX. While we were originally advised it could POSSIBLY take up to 90 days for the assumption process, we were assured that it could be completed within 30-45 days. At the least, we were mislead on the process. It feels as though Carrington is trying to dissuade VA borrowers from using their assumption benefit. If XXXX hadnt transferred our loan, according to their website, they make decisions on assumptions within 6 hours and process in around 7 days. It feels so unfair to have chosen a lender whom we felt comfortable and even happy with, then have our loan transferred to a new servicer who according to many reviews, has terrible customer service and is going to take about 12x as long to process an assumption. Lenders being able to just transfer loans with little to no consideration for borrowers is disheartening. Also disgusting to treat veterans like this with insane waiting periods, 30-60 days longer than the industry average for VA loan assumptions.
Product: Debt collection

TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT RECEIVABLES PERFORMANCE Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the  pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RECEIVABLES PERFORMANCE I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Litigation, Case No. XXXX, in the U.S. District Court for the XXXX XXXX XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 my car was wrongfully repossessed by XXXX XXXX XXXX XXXX. I was not late on any of my payments and in fact, I was two months ahead. The repossession company hired by XXXX broke state law by breaching the peace and by stealing my vehicle, and by also using the police to complete a repossession. The following day I spoke with XXXX who confirmed that my payment was not late and the vehicle was not out for repossession. They told me they did not have the vehicle. I contacted the police but was told it was a valid repossession. I spoke to XXXX again and finally was told that the car was wrongfully repossessed and that they were going to return it to me. They did that day. Despite this, the account is still reporting negatively. XXXX breached its contract with me, stole my vehicle, and violated state and consumer laws. If this account is not immediately removed from all 3 credit bureaus, I will pursue legal assistance against all 3 credit bureaus and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX today at XXXX CST letting her know that i received a letter from XXXX on XXXX/XXXX/2022 stating " we received a request that included your information, but it didn't appear that you or a properly authorized third party sent it to us. We take the privacy and security of your data very seriously, so we wont process requests unless they come directly from you or an authorized third party. '' That was their response to my letter of dispute sent to them on XXXX/XXXX/2022. They did not do a proper investigation into my claim that they should remove accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my credit file due to them furnishing information onto my credit file with no permissible purpose according 15 USC 1681b stating that they have to obtain written instructions from the consumer to whom it relate. They have no such written instructions and can not produce it. I also have attached a letter from XXXX XXXX that states they have honored my opt out of sharing my personal information to external companies, which includes all Consumer Reporting Agencies. XXXX needs to remove all of these accounts immediately.
Product: Credit reporting or other personal consumer reports

This is maybe my 7th or 8th time disputing and reporting these fraudulent accounts reporting to my credit report and they still are not being removed. I'm not sure what more steps I need to take but I need these accounts removed immediately. Theyre affecting my life in ways that are more than detrimental.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus ( " XX/XX/2022 '' ) to update this suspicious information. I think you have not validated these accounts in accordance with Sections XXXX09 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. " XXXX XXXX XXXX : {$55.00} "
Product: Credit reporting or other personal consumer reports

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 # XXXX ), ( Account name : XXXX XXXX XXXX XXXX  # XXXX ), ( Account name : XXXX XXXX XXXX XXXX # XXXX ), ( Account name : XXXX XXXX XXXX # XXXX, ) ( Account name : XXXX XXXX XXXX # : XXXX ), has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I am writing to formally dispute the unauthorized or inaccurate credit inquiries listed on my credit report. As a consumer, I have rights under both the Fair Credit Reporting Act ( FCRA ) and the Uniform Commercial Code ( UCC ), which require that all credit information on my report be accurate and verifiable. Upon reviewing my credit report, I found the following inquiries that I believe to be unauthorized or improperly documented : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Credit Reporting act 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 166b A Creditor May not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.
Product: Debt collection

XXXX sold a {$300.00} ALLEGED cable bill debt I owe to a collection agency in Massachusetts  ( Im in Pennsylvania  ). I never paid because its NOT my debt. The collection agency filed it as an unpaid collection account and my credit scores have decreased by over 40 points from the 3 reporting agencies. ITS AN ABSOLUTE DISGRACE!
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXXXXXX XXXX XXXXXXXX Date Filed : XX/XX/XXXX Type of Account : Revolving Account Number : XXXX Reason : I was involved in identity theft. This account is not mine and is fraudulent please remove this account ASAP. 

Account Name : XXXX XXXX Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurate to my credit report. It reports to only XXXX and XXXX, not Transunion. According to the Fair Credit Reporting Act this account needs to be deleted due to the inaccuracy of not reporting to all XXXX  bureaus. 


Account Name XXXX XXXX XXXX  Date Filed : XX/XX/XXXX Type of Account : Installment Loan Account Number : XXXX Reason : This account is reporting inaccurately to my credit reports. This account is reporting to XXXX  and Transunion that this account is open but is reporting to XXXX that its closed. I ask If this account be deleted ASAP because these mistakes are affecting my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inaccurate information and unauthorized inquiries in my personal file : XXXX Inquiry Date XX/XX/2021 XXXX Inquiry Date XX/XX/2021 XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I sent a complaint XX/XX/2024 regarding unauthorized inquiries on my Transunion report. The CFPB complaint number is XXXX. See the attached FTC report and remove the following unauthorized inquiries from my credit within 7 days : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking on my credit report when I found out that there are so many incorrect information, and unverifiable information being reported in my credit report.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023, @ XXXX XXXX., I obtained a copy of my credit report from Experian. During my review, I noticed quite a few discrepancies, mainly with my personal information. I have contacted the bureau numerous times and sat countlessly on hold for hours of my life I can not get back. I sent them a certified letter requesting them to fix the incorrect information. The tracking number is : XXXX I advised them about the incorrect information and was rudely told that " they are a data reporting agency ; any data received by the creditor is stated and can not be changed or deleted by them.
Product: Debt collection

Back in XX/XX/XXXX, when running late on my bill, I would be sent to XXXX XXXX  XXXX temporarily until Walmart bill was current, however, once brought current. The account was sent back to Walmart whereas at the time financed by GE Capital Bank. 

I have attempted to dispute an amount that was written off, according to all three credit bureaus, I was unaware of this action until XX/XX/XXXX, when a credit report was pulled. 

Synchrony bank has failed to address this issue as to why this amount was written off. I wanted an opportunity to pay all debts owed. Synchrony failed to take action on this issue as well as remove this action from my credit report or allow me to pay this debt as it looks horrible on my credit report. 

After my last attempt to resolve this dispute, I was contacted by the Executive office around XX/XX/XXXX, to advise that the debt and actions regarding my account were accurate, but never addressed the write off issue. 

I am disputing the fact that Walmart has changed financial institutions twice and I do believe inaccuracies during the brief stay of my account at the temporary collection agency errors occurred regarding amounts paid and amounts owed.
Product: Credit card or prepaid card

capital one refused to increase my credit limit on my credit card. in XXXX of 2021 for credit score being too low this is violation of the XXXX and violation of my consumer rights. This is actually an adverse reaction toward me by capital one and discriminatory.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect and they are adversely affecting my livelihood Previous Address : XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX 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

LCI Lundquist Reporting Inc I have called 6 times left messages and certified mail to LCI and requested them to freeze and delete my information. 
They are not responding to me. They are sharing my private information without my permission. I sent this letter without a response XX/XX/XXXX XXXX XXXX XXXX XXXX SC XXXX RE : The Inaccurate and certifiably non-compliant information you are reporting To Whom It May Concern : Im writing you with this formal objection of information published and provided by you to XXXX, XXXX, and XXXX, as reported and I demand for swift action on your part. Additionally, this notice also serves as my rightful demand for adequate investigation/reinvestigation into every aspect of any delinquency and/or derogatory data accused of me to ensure my lawful right of accurate and compliant reporting! 

You are improperly reporting an alleged Public Record to the credit bureaus that is clearly in noncompliance with recognized XXXX Reporting Requisites per the XXXX  as well as the FCRA, and thus damaging my credit. Without being certifiably compliant with XXXX reporting standards, you are in violation of the required permission to report a single aspect or notation of any alleged accounts, much less a public record that was not even reported to you by the alleged Court of Record. I formally contest the reportability of the alleged Public Record. 
Immediately, DELETE ALL records of the following alleged public record, or else provide certified proof that you have physically verified each notation for maximum possible accuracy and compliance with all XXXX reporting standards. 

Bankruptcy XXXX XXXX Date Filed/Reported : XX/XX/XXXX Reference # : XXXX This Public Record item is deficient as reported, and Per Federal reporting regulations all claims MUST be to a maximum possible accuracy and a maximum possible completeness, which extends to the reporting mandates that there will be no deviation from XXXX Format compliance since, per the XXXX, XXXX Any deviation from these standards jeopardizes the integrity of the data. 
Unfortunately, it appears that you do not have reasonable procedures in place to assure maximum accuracy and completeness of the information that you include in your consumer reports that you prepare concerning me. 

Your prompt attention to this important matter is requested in order to comply with federal law. 



XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX SS XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint because an account that was previously deleted from my credit report has been unlawfully reinserted without proper notification, in violation of the Fair Credit Reporting Act ( FCRA ). The account details are as follows : Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX This account was removed from my credit report but has now reappeared. I was not notified of the reinsertion within the required five business days, as outlined in 15 USC 1681i ( 5 ) ( B ). Additionally, this account is associated with identity theft and was reported without my explicit written consent, further violating my rights under 15 USC 1681c-2 and 1681b ( 2 ). TransUnion ( or the relevant bureau ) has failed to provide documentation proving that the reinsertion followed the required procedures. Their actions have caused me significant harm, including mental distress and damage to my creditworthiness.