23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

fraudulent on my credit accounts : XXXX XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXX & XXXX is fraudulent on my Acct # XXXX. 
XXXX  on my Acct # XXXX is fraud. 
XXXX XXXX  XXXX is fraudulent on my Acct # XXXX. 
XXXX is fraudulent on my credit Acct # XXXX. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX is fraudulent on my Acct # XXXX. 
XXXX XXXXXXXX XXXX  XXXX XXXX on my credit Acct # XXXX is fraud.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report. I was shocked to see that I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. I am in the process of buying a home for my family and this has been hurting me. Please remove these fraudulent accounts and inquiries from my credit report as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2020 my credit took a drop of 13 points with both XXXX and Equifax with no logical explanation. No one is able to offer an intelligent explanation for this. My credit scores should be continually going up, not down. It appears the the poorly written calculations try to find a reason to drop your scores, instead of increasing them. It is either a software bug or intentional misconduct from the clerks and management that drop consumers credit scores for no reason.I have had impeccable credit for the last several years. All of my bills are paid on time. My credit card balances are always XXXX out by the end of the month. I have over {$100000.00} of liquid assets with my mortgage. During this pandemic, I am one of the few people paying all debts on time. My credit is at XXXX which is still excellent, but it was at XXXX. It should be at 800 by now. You are going in the wrong direction with my credit. Please save this punitive behavior for people that are irresponsible with their credit. Not people like myself that pay all of their bills on time. 
I am a XXXX veteran and mistakes like this stress me out.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the inaccurate reporting of an account on my credit report associated with Possible Finance. This account, which has been transferred to a collection agency, is still showing an outstanding balance on my credit report. According to the Fair Credit Reporting Act ( FCRA ), this is a violation, as transferred accounts should reflect a XXXX balance. 

Additionally, when I inquired about this account with the credit bureaus, XXXX and XXXX provided two different account numbers for the same account, which they indicated were furnished by Possible Finance. This discrepancy constitutes a second FCRA violation, as there can not be two different account numbers for the same account. 

Furthermore, there are two different dates for the date last active, with the dates being two years apart. This inconsistency only adds to the confusion and demonstrates the inaccuracy of the reporting. 

Due to these errors, I am requesting that the balance on this account be removed entirely from my credit report due to the erroneous and inaccurate information reported by Possible Finance.
Product: Money transfers

I made an offer to a seller on ebay for an item. The seller agreed and took the item down allowing me to pay via paypal. Last message i had with the seller was hom stating he was going to send the item in a few days and that was on XXXX. I have not heard from the seller since.
Product: Debt collection

Received call from company of whose name I did not notice at XXXXCST on XX/XX/2020. Individual called from a XXXX. Identified himself as Mr. XXXX from the XXXXXXXX XXXX XXXXXXXX XXXX. Reported that he needed my statement of defense regarding a civil complaint filed against me immediately. Received a second call a few minutes later. Mr. XXXX reported that he was unable to take the statement or give me information. Placed me on hold to speak with a Ms. XXXX. I disconnected the call to answer another incoming call after being on hold too long. Received another call from same number. Individual was a female identifying herself as Ms. XXXX. Reported need for me to provide a statement of defense for civil complaint from her client. Client was later identified as Moneykey with balance owed of XXXX. Ms. XXXX stated Moneykey had sent several collection notices that were returned by the post office. Ms. XXXX reported I needed to settle issue today or she would further advise her client, Moneykey, to pursue a judgement within my county. I requested The documentation that Ms. XXXX have be sent to me for verification purposes. She informed me that she could not do so even after confirming my email address with her. Ms. XXXX demanded that I provide a settlement amount request or she would advise client to pursue judgement in civil court. I offered Ms. XXXX a number and disconnected the call after a prolonged hold period. Ms. XXXX later continued to contact my phone with an estimated six calls in a two minute timespan. On the last call at XXXX, Ms. XXXX threatened me once again stating i had thirty minutes to return her call or she  would encourage her client to pursue a judgement. Her approach has been harassing and threatening in nature and she discussed I could Only communicate with the client through her, not directly. The inability of her to provide sufficient documentation surrounding this complaint was extremely concerning as when I attempted To look up her agencies contact information, nothing was located regarding XXXXXXXX XXXX XXXX XXXX.
Product: Debt collection

XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX TODAYS DATE:XXXX LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX 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 LVNV FUNDING LLC XXXX LVNV FUNDING LLC XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes the erroneous information that needs to be investigated and delete : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

inaccurate information showing up ftc violation and fcra
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the cred
it reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive recently reached out to creditors and the credit bureaus about inquiries on my account that do not belong to me that need to be deleted from my TransUnion Credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I can not get my EQUIFAX CREDIT REPORT pulled by myself, no consumers, or any paid membership Services. I also went to Equifax.com to pull my report with them and it said that they were not able to release it and the Member Service associate said that there is an issue with my account eternally. 

This what Equifax sent me. " We're sorry. We were unable to complete your entire order. Please carefully review the order status below to see which products were not able to be delivered. You will not be charged for the undelivered products. '' I was try to apply for goods and service through some companies and they tried to run my Credit Report 6 times within 3 days and it keep coming back Internal Error but they are running other individuals Credit Report constantly with no problem. The company contacted their IT Support Help Desk and they asked for me to contact Equifax to check for Internal Issues and Equifax keep blaming everyone else instead of fixing or looking into the problem themselves. This is very frustrating and I am In the process of buying a house and need to access my account when I need it. I NEED THIS FIXED
Product: Debt collection

This company is reporting a negative debt against my credit report that I believe does not belong to me and has refused to delete it. This company is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act I am entitled to notices concerning the reporting, handling and usage of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. They are in violation of two different consumer credit rights.
Product: Money transfer, virtual currency, or money service

I transferred XXXX XXXX  XXXX  from my US account to a beneficiary in the XXXX using XXXX XXXX XXXX  app ( XXXX XXXX XXXX ), The beneficiary never received the amount. Despite contacting XXXX multiple times for more than 2 weeks, the agency could not trace the funds and blamed the beneficiary 's bank for not being able to trace the funds.
Product: Vehicle loan or lease

I was charged insurance fees for my car loan. I am on my last payment. I was told I did not have full coverage insurance with my carrier and sent them proof of being insured. The paper i sent them did not list them as the lien holder and I contacted statefarm to make sure they corrected the mistake. Lobel said even if statefarn makes that correction, they will still charge me for the insurance even though I was fully covered. All I want is for them to remove all the additional fees so I can make my final payment to own my car. This conversation all happened today.
Product: Checking or savings account

Issues of depositing dead husbands check and my XXXX children under age
Product: Consumer Loan

The account was set up for automatic payment and 59 payments had all been paid on time. It was the last payment which was a different amount then the other 59. We sent in the payment to The company and the check was cashed. The company continued to send us unpaid invoices. We talked to them and showed them that the check was cashed. It took us several months to figure out that the check was cashed by another part of the same company. We both figured this out and we sent another check to the company at another address and they cashed it and all was paid. We are still waiting our initial payment back from the company. They still are reporting our payment as 60 days late even thou we showed proof that the payment was made and the check was cashed by their company.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX with XXXX XXXX XXXX XXXX ( original creditor XXXX XXXX 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 an account without my written instructions
Product: Debt collection

I had flooring installed in my home in XX/XX/XXXX, before the job was completed my wife noticed and brought to the attention of the installers areas of the floor that were uneven, soft and appeared to be defective. The installers stated the floor needed to settle and that the appearance would improve. The day before the job was completed the lead installer who was not present during the installation advised the price of the flooring increased by {$8000.00}. We also pointed out areas where the installers had caused damage, and that they had damaged our freezer door with a staple hole. Documentation was emailed to us with signatures that are not mine or my wife. I was provided a XXXX credit from Citibank ( Sears ) that was to be used towards the purchase. We have notified Citibank many times and was advised that no charges would be not incur during the investigation and dispute. However I am still receiving collections calls as well as past due statement for 6 months. I am a XXXX XXXX Veteran, XXXX 3 times a week, I use a wheelchair, walker and cane to get around my home. I filed with the BBB and the States Attorney offices but have not received a resolution, my credit report was recently pulled and this is affecting my credit score. I have not missed a car payment in 4 years nor a mortgage payment. The flooring is defective, bubbling, poorly installed in some areas as much as XX/XX/XXXX inch different. SHIP ( Sears ) states the flooring issue because my walls and floors are out of plum. The floors SHIP ( Sears ) removed from my home where 3 years old and consisted of Harwood, Ceramic, 1 room had carpet. The product XXXX ( Sears ) installed is a laminate, proposed by the sales  rep. as having a 50 year warranty and is a better product than Harwood. Sears wants me to remove the flooring, store in my home until they can pick up, the money we paid XXXX down is be used to pay for the damages caused to my home. They are asking that we drop the charges of forgery and not to make this issue public. I lost my left foot and a portion of my leg in XXXX to XXXX XXXX, I am now having the same issue with the right and will be starting Hyperbaric treatments to help with the healing if possible. We are seniors and do not have money or a lot time to spend on a lawyer. XXXX  ( Sears ) Area GM also visited our home and same the problems with the flooring, they remove the floors and install a porcelain product however it would cost XXXX. Yes we have allowed them into our home to view the defective flooring and the lousy installation, and the damages to our home.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and Transunion are reporting incorrectly that I am 60 days past due on XXXX partial account number XXXX. ( Please see page 5 of the attached credit report. ) This account reports a {$0.00} balance and {$0.00} past due. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, 45 days later, I have not received a accurate response. I have requested supporting documentation to support their reason to keep fraudulent information on my credit report and they have not sent me any investigation results supporting why these accounts are on my credit report. I am being taken advantage of by the credit bureaus and this information is being ignored.this is now my second complaint to try and resolve this matter. Section 611 ( a ) states that failure to investigate items within 30 days gives reason to immediately remove from my credit report. I demand these fraudulent accounts be deleted. My information was also impacted by the XXXX and XXXX breach as well. There are even creditors who are investigating and admitting the account is not mine. Which i have attached as well.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Dear The XXXX XXXX, I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor.

In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 
2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt.

Thank you for your prompt attention to this matter.

Regards, ( redacted )
Product: Credit reporting or other personal consumer reports

The information listed on my credit report is erroneous which is against state and federal law. According to FCRA you are only to report accuracies on my credit report. 15 USC 1682 g. Conns is reporting inaccurate information and continue to violate the law by reporting a payment status on a closed account. This account is aged and past the statute of limitations from first delinquency which is seven years on my credit report. The credit bureaus continue to add this account and false information back to my report after already disputing. This account was charged-off. I am requesting a civil liability for willful noncompliance ( 15 U.S Code 1681n ). This account is closed. Requesting validation of debt by way of ledger of payment history. This needs to be permanently removed from my credit report.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with that platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Debt collection

Last XX/XX/2017 I signed up to take two classes at The University XXXX XXXX XXXX. After a month I was offered a new job in a different state and would no longer be able to complete the classes. These classes were also done at 8 week intervals. Meaning the fist class is taking for the first 8 weeks and the second class is taken for the last 8 weeks. As i signed up for the first class the tuition was not due in full until later in the session. When I was no longer able to complete the class, a representative from the university contacted me. As I told her my situation she understood and said I would be responsible for some of the tuition. I verbally told her I could not continue the classes and she said she would take care of it. The university is now expecting the full semester tuition, {$3100.00}. Once i moved, I received a letter for XXXX XXXX XXXX for collection of the debt.