23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A XXXX  PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act 15 U.S.C 1681 section 602 A. states i have a right to privacy. 

15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

W/o recourse W/o prejudice 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX XXXX and XXXX are not maintaining reasonable procedures. 
I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Neither company informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. 

XXXX XXXX XXXX PORTFOLIO XXXX MIDLAND CREDIT MANAGEMEN MIDLAND CREDIT MANAGEMEN MIDLAND CREDIT MANAGEMEN
Product: Credit reporting or other personal consumer reports

I am giving XXXX, transunion and XXXX on second notice to remove non public information off my report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX XXXX  If accounts are not removed I will report identity theft on bureaus to ftc and Internal Revenue Service XXXX and transunion and XXXX Bureaus have not given me any notice of dispute of the following accounts above every time I have disputed accounts which I should be notified every single time in accordance to FCRA Law
Product: Debt collection

I asked the company the verify that the debt was valid which they did not. I do not believe this debt is valid.
Product: Credit reporting, credit repair services, or other personal consumer reports

During the pandemic I reached out to Wells Fargo Auto to have my payments suspended for 3 months. They gladly accepted my offer. During the 3 month time frame of XXXX to XXXX, I was able to get caught up in my payments of {$540.00} a month. I then expected that Wells Fargo would continue to make accurate and timely reporting to each credit bureau. On XX/XX/2020. I made a large payment of {$3900.00} to account # XXXX Wells Fargo failed to report to the credit bureaus for the month of XXXX, XXXX, and XXXX. As of today XX/XX/2020, They still have not accurately reported to the credit bureaus. my payments to date. 

To date, I have since payed off my loan, and they are refusing to accurately report information to the credit bureaus. There reason for not reporting, is they said that Its because i took advantage of the program, they offered. This is incorrect. 

On XX/XX/XXXX, I explained, that I would no longer need the assistance, and they reported in XXXX and XXXX. 

I also made a new car purchase with XX/XX/XXXXXX/XX/XXXXXXXX XXXX XXXX XXXX in XXXX. I believe that if they would have reported the payments in XXXX, XXXX, and XXXX, i could have received a better interest rate. 

I have placed numerous calls and nothing has been resolved. The case number is XXXX. 

My resolution is for them to report to the agencies the correct payments of XXXX, XXXX and XXXX My name is XXXX XXXX, and I can be reached at XXXX XXXX XXXX or by cell at XXXX XXXX XXXX.
Product: Checking or savings account

I have tried everything to get a copy of the report stating that they are closing my account and that they have no intention on returning the money in my account to me but, they are telling me their notes are for in house only. I think that is wrong and unfair. I feel I have the right to proof of what they are doing to my account. I still get text messages weekly telling me there is over {$38.00}, XXXX in my account and I also get emails. They are stealing my money. They tell me I need a court order in order to get the report but, they didn't need a court order to steal. Please I need your help to just get the report telling me what they are doing and. If they intend to close the account and return the money to the banks then tell me so.
Product: Vehicle loan or lease

I bought a used car from XXXX XXXX in XXXX XXXX NY. XX/XX/XXXX. By the time I bought used car XXXX XXXX XXXX I took loan from bank of America {$10000.00} the loan paper I signed at the time of purchase shown amount as I mentioned earlier. 

When I received my first bank statement I saw an amount of {$11000.00} I did call bank and get the information they told me that you tood extended warranty at the time of purchase. which I never did I have a proof which I signed at the time of purchase. Bank told me that they have two different contracts under my name one which I signed. Another one which has extended warranty which they signed electronically and I wasnt aware of that. Now its been three months Im having trouble to get my refund of {$1000.00} and Im paying interest on the amount which I never borrowed.
Product: Credit reporting or other personal consumer reports

I filed a complaint with the CFPB about Experian unlawfully, illegally, and without written consent from me the consumer reporting derogatory items on my credit report. I filed this complaint on XX/XX/2023. I received a response that Experian was " investigating ''. I did not request an investigation, I requested immediate deletion due to no written consent from the consumer and inaccuracy. Experian also responded that during their investigation they contacted a " data furnisher '' to verify the accuracy of the account. I am reporting Experian, this is not only illegal this is unethical and not the proper way to validate any alleged debts. I am the consumer, I am the only person that can verify the validity of an alleged debt. Experian illegally reached out to a third party in order to verify information about me the consumer and did not once reach out to me to confirm or deny the validity of these alleged accounts. Any person claiming I owe this debt without my knowledge or including me in the conversation is violating my rights to privacy as a consumer. Experian also responded that they've updated aspects of the account which is also illegal. I did not now nor ever give Experian permission to put false, inaccurate, and financially degrading information about me on their reporting platform. I also received feedback from EXPERIAN that one of the accounts that I disputed would be deleted and that account is still reporting on my credit report despite them claiming they deleted it off my report. This has effected my mental and emotional well being, in addition this is directly negatively impacting my livelihood and creditworthiness. I'm trying to resolve this amicably before bringing the courts into this because then I will be seeking {$1000.00} in damages for each violation.
Product: Debt collection

This complaint is in regards to a letter I received from Jefferson Capital Systems LLC stating that they are a debt collector and they are attempting to collect an alleged debt from me in the amount of {$2400.00}. This shall serve as my refusal to pay the alleged debt in the amount of {$2400.00}. PLEASE SEE ATTACHED.
Product: Debt collection

-- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/XXXX XXXX XXXX To : XXXX Subject : Re : Case Has Been Opened ref : XXXX : ref Patient Name : XXXX XXXX XXXX For case on Date Of Service : XX/XX/XXXX Date of Birth : XX/XX/XXXX Account Number : XXXX After speaking with your department on the phone today, I am forwarding my most updated Explanation of Benefits for you to update the account record. 

This is supposed to result in a positive account balance of {$40.00}. Please have the remaining amount paid back with check in mail. 

Also, please update this with the debt collection agency to dismiss the case. 

I appreciate your help. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- This above is the detail of the communication with the original creditor, XXXX XXXX. 

The original balance {$230.00} was incorrect. And I have supplied the updated health insurance EOB showing billable of {$33.00}. While I have already made {$74.00} to XXXX XXXX on the day of service, XXXX XXXX has now calculated the correct balanced to be ( $ XXXX ). 

And, in fact, this case is already resolved between me and XXXX XXXX. A payment of {$40.00} is already send to me on XX/XX/XXXX. This should be the end of the billing case. 

However, Creditors Bureau USA ( XXXXXXXX XXXX XXXX XXXX, CA XXXX ) has been harassing me to try to collect {$230.00}. They did not do their due diligence on obtaining the updated and accurate debt information with original creditor before pursing on me. The last harassment phone call was on XX/XX/XXXX XXXX. 

They have now threatened to put my record to credit report.
Product: Consumer Loan

Chase has a hold on my equity cash from their loan.I 've done everything asked by Chase-but they have very poor customer service and the hold remains for no apparent reason.No one from Chase will help.
Product: Debt collection

When selling a home in XX/XX/XXXX I learned a judgement was obtained against me and would take the amount owed from the sale of our home. I called the law firm whom filed and found the judgement was on a student loan obtain by fraud by XXXX XXXX. I followed the direction of this law office and filing their fraud packet ( mail XX/XX/XXXX ). The law office and XXXX did determined it was obtained through fraud. The amount ( {$7200.00} ) was not taken from the sale of our home and I was removed from the account. The problem I have now is they never removed the judgement or provided me with the paperwork to allow me to remove this. After moving I provided this law office with my new home address and phone number. I continued to call this office for some type of letter to remove this judgement. Each time I call for some help to get this judgement remove I get excuses and promises. I am at wits end. The law office in question is : Jenkins, Wagnon, and Young P.C. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681 ( c ) ( 2 ), BLOCK OF INFORMATION RESULTING FROM IDENTITY THEFT - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt by such agency. 

Unfortunately, my personal identifiable information was compromised and used to open a fraudulent credit card account. I was a victim of Identity Theft. I am attaching my FTC Identity Theft Report # XXXX to have this account removed from my credit file by this Creditor. Also, There are XXXX addresses on my credit file that I do not recognize and they need to removed too. ( XXXX XXXX XXXX XXXX XXXX, MD XXXX and XXXX XXXX XXXX XXXX, MD ) These accounts need to be removed immediately.
Product: Payday loan, title loan, personal loan, or advance loan

I have a line of credit through Paypal. You have XXXX  months no interest on any purchase ( now ) over {$140.00}. This seems nice, but Paypal makes it very hard to utilize this feature. I have never had to pay interest on my payments so far, because I keep up with my balance. I am forced to keep meticulous records of my own payments, for paypal has tried to misrepresent my credit account since having it opened. Paypal doesn't accurately report my payments on my account. Plenty of timestamped photos detailing the misreporting of payments over a span of a week ( in that week, XXXX different totals were captured ). There have been about XXXX other times where I needed to dispute their inaccurate reporting of my payments in the last XXXX  months of XXXX, which almost led to me having to pay interest. Paypal 's website makes it impossible for consumers to respond to customer service reps. I have video recordings of me trying to send a response to Paypal employees and when starting a new dispute only for the system to report an error every single time. There can not be a system error every time I need to send a message to a company that is all online. This is predatory behavior from a business that serves thousands of individuals who rely on these small loans to survive.
Product: Credit reporting or other personal consumer reports

Equifax lists XXXX XXXX as the source of verifying a XXXX XXXX XXXX case # XXXX that keeps showing up on my Equifax credit report. I requested verification of this public record and Equifax claims that they verified it through XXXX XXXX. There is supposed to be a Security Freeze on my XXXX XXXX consumer file since XX/XX/2016. Equifax failed to accurately honor my request of verification of this public record by informing me that they verified through a FROZEN consumer credit report. I am attaching the results displayed of the so-called investigation of Equifax 's XXXX and a copy of my XXXX consumer file that shows the date of a security freeze that I placed on my file in XXXX of 2016 to avoid further fraudulent activity in my name. My XXXX XXXX consumer report is supposed to be FROZEN until I lift the freeze. I HAVE NOT LIFTED THE SECURITY FREEZE. XXXX XXXX is listed as the source of verification which leads me to believe that Equifax is not being factual about investigating this item on my credit report if they claim that they retrieved the results from a consumer account that clearly has a SECURITY FREEZE IN PLACE. I DEMAND Immediate deletion of the XXXX XXXX XXXX case # XXXX that keeps showing up on my Equifax credit report.
Product: Checking or savings account

Identity theft through XXXX with chase bank XXXX XXXX payments each for XXXX and a total of XXXX were made to the following XXXX for {$2000.00} XXXX for XXXX On XX/XX/XXXX The back has yet to credit me for this fraud and I have to pay my rent on XX/XX/XXXX 2022
Product: Credit card or prepaid card

XX/XX/23 - got an email alert from XXXX that Comenity/XXXX made a hard inquery on my credit report XX/XX/23 - received a letter in the mail from Comenity Capital Bank that my XXXX  XXXX XXXX application was being held up until I called them to finish the application process. I did NOT apply for this credit card, someone else applied for the credit card in my name fraudulently XX/XX/23 - I contacted XXXX to dispute the hard inquiry on my credit report and also had them put a fraud alert on my credit report and had them freeze my credit report. 

I plan to contact Comenity Capital Bank from the letter they sent and have them disregard the credit card application
Product: Debt collection

Dear CFPB, I am writing to file a formal complaint against LVNV Funding LLC regarding their collection practices associated with the above-referenced account. 

**Details of the Complaint : ** 1. **Unverified Debt : ** I have requested validation of the debt through a 609 letter, but I have not received the necessary documentation to prove that I am responsible for this debt.

2. **Failure to Cease Collection Activities : ** Despite my request for validation, LVNV Funding LLC has continued to pursue collection efforts, which I believe violates the Fair Debt Collection Practices Act. 

3. **Inaccurate Reporting : If applicable, describe any inaccuracies in your credit report related to this debt.

4. I started the dispute with LVNV around the end of XXXX of 2024 to XXXX and have not really been no help. This issue start around the Pandemic with original collector when we both my agreement if I pay a certain amount, my debt we not be in collections. 

Account Number : XXXX I am seeking assistance from the CFPB to resolve this matter. I would like LVNV Funding LLC to cease all collection activities until proper validation is provided, and I would appreciate any guidance on further actions I can take. 

Thank you for your attention to this important matter. 

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

The Equifax hack is why I 'm filing a complaint!
Product: Credit reporting, credit repair services, or other personal consumer reports

Late payment history from 3 years ago still shows on my credit report.
Product: Student loan

I had a student loan with Bank of America ( XXXX ) that went into default. I rehabilitated the loan with the government satisfactorily. Bk of America ( XXXX ) and the credit bureaus refuse to update the status of the loan from stating " student loan permanently assigned to government ; Closed XXXX '' to reflect that it has been rehabilitated and paid successfully. Further the last time the account was active was XXXX of XXXX. Not only have we passed the statute of limitation for New York, we are approaching the 7 year threshold. This is very negatively affecting my credit and impacting my chances of securing a mortgage even though I took care of the default. They are fraudulently reporting the debt as active as of XXXX XXXX and XXXX XXXX. Lastly, they are reporting XXXX loans that I had with them more than once on my credit report. They are reporting the same loans under different names with the same account number. Loan # XXXX is being reported XXXX once under the name XXXX/B of A and account # XXXX for {$13000.00} and XXXX under the name Bk of America with account # XXXX for {$13000.00}. This is the loan that has been rehabilitated successfully and should only be reported once! Loan # XXXX is being reported XXXX under the name of XXXX/Bank of America with account # XXXX with a balance of {$600.00} and a XXXX reporting under the name BK of America account # XXXX and balance of {$600.00}. This should only be reported once! I have attached documentation to reflect this.
Product: Debt collection

I was not the one who got and accout with them someone had my info
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of Identity theft. I have sent several dispute to the creditor/and or XXXX XXXX XXXX and XXXX. The inquiries are as follows XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, Coaf XX/XX/XXXX, XXXX XXXX XXXXXX/XX/XXXX, XXXX, XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

In accordance to the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Has violated my rights 15 U.S.C 1681 Section 602 A. States I have the right to privacy 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information realting to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is correct
Product: Money transfer, virtual currency, or money service

This dispute is with PayPal. They are holding over {$40000.00} from me for the 180 day holding period with no reasoning. They also are allowing customers to file a claim and are not allowing me to provide proof of delivery of items purchased. They are simply awarding the money to the customer without any rebuttal from my business. 

PayPal is unfairly holding money from me and I am asking for its release.
Product: Credit reporting

I recently received a copy of my Transunion credit report. The credit report showed a hard credit inquiry by XXXX for XXXX XX/XX/XXXX & XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX, & XXXX XXXX that I do n't recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. I called XXXX and spoke to a Supervisor named XXXX # XXXX. She informed me that the issue was going to be addressed and resolved. Unfortunately the mentioned hard inquiries are still appearing on my credit report. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. I need your prompt response to this issue. Please be so kind as to forward me documentation that you have removed the hard inquiry. If you find that I am mistaken, and I did provide authorization to inquire into my credit report, then please provide me proof of such authorized inquiries.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS are required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this report to address errors on my credit report. Equifax has confirmed a system issue that caused my personal information to be leaked and used without authorization. Due to this, I have experienced denials, and I request that the matter be resolved within XXXX business days.
Product: Debt collection

On XXXX, 2019, I discovered that multiple credit card accounts were made without my authorization. I reported this issue to all three credit reporting agencies and to the creditors who had issued fraudulent accounts in my name. 
Most accounts have been resolved and removed from my credit report. 
Unfortunately, Discover card company is continuing their attempt to collect the debt that I do not owe through collection company. 
The collection agency is a law firm named XXXX and XXXX XXXX. 
They are attempting to sue me for the debt that I do not owe. An official police report and FTC identity theft report were filed back last year.