23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On my equivalent credit report it's reporting XXXX different from the same apartments which I last stayed in 2017 now XXXX is saying I owe {$XXXX} when the other is saying {$XXXX} but the original amount is {$XXXX} on XXXX and {$XXXX} on the other and then XXXX of the same are reported twice  as if I'm just going around renting apartments not paying for them once I purchased a home back in 2017, I haven't rented from cedarwood since.
Product: Checking or savings account

Apparently, Capital One has had some sort of technical issue with electronic deposits for paychecks. My money is always there on Thursday from my employer, but this week, the money has not been deposited and today ( my actual payday ), the money is still not there. I have no way to pay my bills and no way to know where the money is or when it will be posted. I have tried and tried to call Capital One, but I can't get through and there has been very little information provided about the issue or a timeline of when it will be fixed.
Product: Credit reporting or other personal consumer reports

I applied to Synchrony Bank for an Amazon Store Card and was denied. The rejection letter ( email ) referenced a link to view Synchrony 's response and my personal information used to apply did not match the information requested to access the explanation. 


" Thank you for your recent AMAZON STORECARD credit request. Please click the link below to view our response to your credit request via our secure site. ( Details ) does not work, can not contact them via email or chat. Might as well be impossible via phone also. ''
Product: Vehicle loan or lease

I paid of my XXXX XXXX XXXX from XXXX XXXX XXXX Al. On XX/XX/XXXX and they said that i didnt pay off my car and that i owed them XXXX. My payoff quote was XXXX i paid that in full. I need them to explain to me why they are over charging me. I have tried to call the automated customer service number no answer i also personally called the riverchase kia a receptionist picked up the first time and transferred me, i didnt get a answer so i called right back and the receptionist didn't even pick up the next three times i called. I need answer ASAP!!!! I paid the XXXX because i need my title but that is XXXX especially since my payoff quote was XXXX and i paid them in full.
Product: Credit card

This is to advise that Synchrony said they have closed the dispute I made with number XXXX because they found me liable to pay the charge. What I asked is for them to provide me with authorization that this charge was authorized by me. What they sent was a response that the Ga AGs office provided in regard to the cancelling of my contract. This had nothing to do with the charge of XXXX that they put on my card. If they can not provide the authorization that was provided to them for the second charge then they have to remove that charge immediately. I am going in circles with Synchrony for this document because they dont have it. So to reiterate, I need for Synchrony to provide the signed authorization to put that charge on my card.
Product: Credit reporting

This is concerning Equifax XXXX XXXX XXXX, and XXXX XXXX XXXX of a debt totaling {$1600.00}. I contacted XXXX XXXX XXXX and XXXX XXXX XXXX. I proved to them that I was and is a victim of Identity Theft. XXXX XXXX XXXX and XXXX XXXX XXXX validated the debt as mine, yet neither have provided any documentation legally linking me to the account. XXXX XXXX XXXX and XXXX XXXX XXXX seem to be unaware of the Fair Credit Reporting Act ( " FCRA '' ) and Federal Debt Collection Practices Act ( " FDCPA '' ) laws against " re-aging time barred accounts '', This complaint is also formal request that the bureaus ( EQ XXXX XXXX ) and XXXX provide the description of the procedures used to determine the accuracy and completeness of the disputed information, including the business name, address, and telephone number of any furnisher of information contacted in connection with this reinvestigation, in compliance with the The Fair Credit Reporting Act, Section 611, part B, subsection ( XXXX ) 611. Procedure in case of disputed accuracy [ 15 U.S.C. 168li ] ( 6 ) ( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( 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. I also request legal FCRA Validation of Debt What the money you say I owes is for ; SIGNATURE AND COPY OF ID FOR SAID DEBT Explain and show how you calculated what you say I owe ; Provide me with copies of any papers that show agreed to pay you XXXX XXXX what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On XX/XX/year> and XX/XX/year> I sent a Dispute ; number XXXX and XXXX to XXXX  notifying them of XXXX reinsertion of account : XXXX AND XXXX Account # XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX In to my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the Dispute, Transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
Transunions actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolver this matter directly with Transunion they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX XXXX XXXX which falls under XXXX  according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ) .I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair CreditReporting Act. I am a XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and would like for all listed accounts to be blocked and deleted company informationTransunion. Please delete the following accounts. 

XXXXXXXX XXXX account balance : {$36000.00} Open date : XXXX XXXX, XXXX XXXX XXXX account balance : {$33000.00} open date : XXXX XXXX, XXXX XXXX  account balance : {$9700.00} open date : XX/XX/XXXXXXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Washington DC US Bank reliacard account in which it doesnt seem that the retained earnings from previous months are carrying over into the next month. I know that is {$11000.00} in the account based on income versus expenses but theres nothing left over like can I complain earnings. Even though Ive done the math on the competitions they are refusing to add back the code saving everything I need that work or should essentially be in the bank.
Product: Credit card

Someone trying to open a credit card under my name from  XXXX  and  XXXX  first bank card.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently looked over my consumer credit file. I come to notice that there are several inaccurate accounts that have not been authorized or unverfied by myself THE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER. these accounts are being placed on my account negatively and reporting to the three credit bureaus without validation or consent.

15 USC 1602 ( 1 ) ( a ) ( b ) ( c ) furnishing MY FEDERALLY PROTECTED information to third party debt collectors. 
FCRA STATES the " I HAVE A RIGHT TO PRIVACY '' 15 USC 1681 ( a ) ( 4 ) These corperations are in a clear violations per the FTC 15 USC 1692a ( UNFAIR PRACTICE ) 15 USC 1692b ( 2 ) ( STATING I OWE THIS ALLEGED DEBT ), 15 USC 1692g ( NO PROOF OF VALIDATION ), 15 USC 1692, 15 USC 1692j ( FURNISHING MY CONSUMER IMFORMATION ), 15 USC 1692d ( HARRASSMENT ), 15 USC 1692e ( 1 ) FASLE AND MISLEADING INFORMATION ), 15 USC 1692e ( 14 ), ( USING A NAME OTHER THAN ORIGINAL DEBTOR invalidated debt.. and 15 USC 1692f ( 1 ) furnishing my Consumer Information without my consent. 


XXXX XXXX, ****XXXX XXXX***, NATIONAL CREDIT AUDITCO**XXXX AND XXXX XXXX XXXX are all third-party debt collectorsI have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo 281 SW 715, 719 ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

THESE INQUIERS ARE UNAUTHORIZED XXXX ( Inquiry from XX/XX/XXXX ) XXXXXXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX  ( Inquiry from XX/XX/XXXX ) XXXX XXXX XXXX ( Inquiry from XX/XX/XXXX ) XXXX XXXX ( Inquiry from XX/XX/XXXX ) the charged off account from XXXX Closed amount XXXX Opened XXXX is not verfied and was not authorized by me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Many letters were written and submitted to remove inaccurate information yet still shows on reports
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 14 SANTANDER CONSUMER USA INC ) ; this is in violation of the FDICs Uniform Credit Retail Credit Classification and Account Management Policy. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Credit reporting or other personal consumer reports

Remove fraudulent account, generated by company XXXX XXXX Bank Card Ser, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, am a XXXX  Resident and have been impacted by the XXXX Data Breach, resulting in me being a victim of identity theft. After reviewing my credit report, I noticed several inquiries I have no knowledge of ; please remove these inquiries. I do not have an account with any of these companies. I have attached my FTC report that outlines ( XXXX inquiries ). I have been monitoring my credit for accuracy. TransUnion must report accurate information, which they need to.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXXXXXX XXXX XXXX XXXX Open Date XX/XX/2014 Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I am writing to delete the following information from my life. Ive been trying to start up a new business venture and this has been holding me from doing so. Ive already went through this process once and it is still on my report. The fair credit reporting act was intended to ensure that you exercise your grave responsibility with fairness, impartiality, and respect for the consumers right to privacy! As it relates to confidentiality, accuracy, relevance and appropriate use of such information, Congress requires you to develop reasonable processes for addressing the needs of commerce in a way that is fair and just to me. You have violated my right to PRIVACY which is a direct violation of the FCRA and the Gramm Leach Biley Act! I did not consent or authorize for you, or the people mentioned in my attached documents to use or share my non public info info. No consent or authorization is IDENTITY THEFT which i demand to Cease and Desist! Pursuant to 15 usc 1681a ( 2 ) congress makes it very clear that a consumer report does not contain any transactions or experiences. As a result I am demanding for the following transactions and or experiences to be updated in accorance with my following instructions I noticed this problem on XX/XX/XXXX XXXX  : TRANSUNION, XXXX, XXXX Accounts : Account name : XXXX  XXXX When the account was opened : XX/XX/XXXX Account balance : {$4900.00} Inquiries : Inquiry name : XXXX Inquiry date : XXXX XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX  Inquiry date : XX/XX/XXXX Inquiry name : XXXX Inquiry date : XX/XX/XXXX Inquiry name : XXXX XXXX Inquiry date : XX/XX/XXXX Pursuant to 15 USC is 1681c-2 ( a ) you have 4 days from the date of this notice XXXX XXXX XXXX XXXX XXXX to comply with my demands in the text above. This will be my first and last attempt to resolve this issue! 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the unauthorized access and breach of my educational records, financial aid data, and IRS tax information by the U.S. Department of Education ( DOE ) and the Department of Governmental Entities ( DOGE ). This breach constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ) and Title IV regulations, as well as an egregious violation of my personal privacy and financial security. I recently discovered that my sensitive and legally protected records were accessed and potentially shared without my consent. This includes, but is not limited to : 1. My academic records and personally identifiable information ( PII ).

2. My Free Application for Federal Student Aid ( FAFSA ) data, including financial aid history and loan information.

3. My IRS tax transcripts, which were obtained and used without proper authorization.

These actions violate my rights under FERPA ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), which grants me the right to control access to my educational records, as well as Title IV of the Higher Education Act, which governs the use and protection of federal student aid information. Furthermore, unauthorized access to my IRS tax data raises serious concerns regarding potential identity theft, fraud, and violations of federal data security standards.

Given the severity of this breach and the direct impact on my financial security and privacy, I demand the following corrective actions : 1. Immediate discharge and cancellation of all my federal student loans due to the breach of my financial aid and tax records, which invalidates the integrity of my loan agreements.

2. A formal investigation into this data breach, including details on how my records were accessed, who accessed them, and for what purpose.

3. A full report on the extent of my data exposure and the corrective measures being implemented to prevent future violations.

4. Immediate notification to all major credit bureaus ( XXXX XXXX XXXX XXXX XXXX XXXX  ) to place a fraud alert and investigate any unauthorized activity that may have resulted from this breach.

This breach has caused significant distress and concern regarding the security of my personal and financial data. If my demands are not met within 30 days, I will have no choice but to escalate this matter through legal channels, including filing complaints with the Federal Trade Commission ( FTC ), the Consumer Financial Protection Bureau ( CFPB ), and pursuing legal action against the responsible parties.

I request a written response addressing these concerns and outlining the immediate actions being taken to remedy this situation. Please direct all correspondence to the email address listed above.

Thank you for your prompt attention to this urgent matter. I look forward to your immediate response and resolution.
Product: Credit reporting

On XXXX XXXX, 2016 I mailed a " certified mail receipt '' letter to the Annual Credit Report Services, XXXX. XXXX XXXX, XXXX, GA XXXX. In this letter I requested each of my credit reports, and provided documentation of denials of credit that I received after attempting to purchase a vehicle for my grandson. My letter was explicit and there should not have been any problems with my request. I provided all of my contact information. 
As of today, XXXX XXXX, 2016 I have not received a response from this agency and I am concerned about identity theft. I gave them so much information as a means to identify the validity of my request. 
This morning, using the tracking number of my certified mail receipt, I was alerted that my letter was delivered at XXXX., XXXX XXXX, 2016. This is unprofessional, to say the least. 
I have in the past had similar issues with them. It makes me extremely suspicious, because I am disclosing so much personal information that can be used to steal my identity. 
AUTHORIZATION : I have checked the box below. However, I DO NOT WANT MY NAME published. Thank you.
Product: Credit card

XX/XX/XXXX - A credit card was opened in my name by someone other than me who was in possession of my personal information. I never received the card or any statements. When I learned of this identity theft in XX/XX/XXXX, I immediately reported it to Citibank, attempting to fix the situation. I spoke with Citibank at least a dozen times over a several month period. I sent a police report which documents the identity theft as well as the FTC report. I also filed with the Washington State Attorney General to no avail. I requested the credit card application on several occasions since Citibank told me I was responsible for the balance. They refused to provide it. I ultimately had to have a lawyer subpoena it. It proves I did not open the card. Over the months I attempted to work with Citibank, there were a series of errors with customer service ( closing cards and sending new ones, reporting the wrong card as identity theft ). I ultimately hired a lawyer to support me in handling this identity theft. We filed legal paperwork against Citibank at the beginning of XXXX. I just received a summons that Citibank filed against me. 

I never applied for this card. I never received this card. I never used this card. Citibank 's failure to validate identity is the single reason this card was able to be opened in my name without my knowledge. Citibank failed to follow the guarantees for identity theft they posted on their website.
Product: Debt collection

I'm writing to you today because the bureaus ' rejection of my identity theft claim has left me feeling incredibly frustrated and distressed, and it has been growing steadily. I have followed all of your bureau 's instructions, so I find myself in a confusing scenario where my valid claim is denied. 

This terrifying identity theft experience I've had has been nothing less than a nightmare. I have carefully followed your instructions to the letter in every action I have taken, document I have provided, and report I have filed with law enforcement. 

I'm quite upset as well as frustrated by this unfair rejection. It is impossible to overestimate the toll this experience has had on my emotional stability and financial security. The idea that I am encountering such opposition after carefully following your instructions is depressing and frustrating. 

I implore you to acknowledge the seriousness of my circumstances and the consequences of delaying action. As a consumer and identity theft victim, my rights are being flagrantly disregarded, leaving me feeling helpless and voiceless. 

DPT EDXXXX XXXX XXXX XXXX has already removed this account from their records. There was an error present & they were able to find it. I'm confused about how you've verified it while the other bureaus have removed it. Please delete this from my file. It is inaccurate, erroneous, incomplete, or unverifiable. 

I demand that my identity theft allegation be given the fast attention and thorough investigation it deserves by your agency. My patience has run out, and I'm at my breaking point. I'm determined to see that this is accurately and quickly resolved. 

I anticipate receiving a formal acknowledgment of my dispute letter and a prompt commitment to fully investigate my identity theft allegation. I'm beyond frustrated and distressed, but I'm not going to give up on finding justice and a solution.
Product: Credit reporting

I found out that there were XXXX additional names being reported on my credit. ( XXXX mortgages,XXXX auto loans and $ XXXX in debt - NONE of which are mine ). I was unable to access online information, since the security questions did not pertain to me so I faxed a dispute ( XXXX different times ). I have not received any information regarding this issue and names and accounts are still on there. I really have no idea where to go from here! I am looking to purchase my first home, but with my credit in the state it is currently in, this is not an option. Someone please help!