23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Cavalry SPV, brough a civil lawsuit in XXXX XXXX XXXX XXXX in the State of Georgia, ( case # XXXX ), the Judge ruled the the favor of the Cavalry CPV. I filed an appeal in XXXX XXXX XXXX XXXX ( case # XXXX ). On XX/XX/year>, the debt collector failed to appear in court, leading the judge to dismiss the case in my favor. Before this, the debt collector never provided a validation notice. Despite the dismissal, the debt collector continues to report the debt to the XXXX credit reporting agencies. Initially, the debt amount was {$3100.00}, but they are now reporting a higher amount of {$3600.00} to XXXX, XXXX, and XXXX. Cavalry, has violated South Dakota Codified law 53-1-2 and Federal law 15 USC1692j ( a ), 1692 ( e ) ( 9 ) ,1692 ( e ) ( 14 ), 1692 ( i ) ( a ) CFPB Section 1006.34 ( a ) ( 1 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  is reporting an old account that s not mine I have a federal report were my identify was taken. I've spoke to them about this and paid to try to have it removed no one can ever direct me to the correct person. 
XXXX XXXX  account number on credit report XXXX Amount XXXX Date XX/XX/XXXX *Wells cargo This account is saying to be from XX/XX/XXXX. I paid this account it is not mine but I was advised to pay XXXX to remove it. It's still on credit report. 

XXXX XXXX XXXX XXXX Is reporting late I had XXXX account with this company and paid it off this is not my account. 

*XXXX  XXXX  is reporting I was 30days late on payment I was never 30days late.

I have called these companies numerous times with no justice I have my federal investigation report. 
Please explain to me what can I do to fix this.
Product: Money transfer, virtual currency, or money service

Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX ( the Company ), with the design, development, manufacture, promoting, marketing, distribution, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of the clients losses to their gains. Money was transferred from my account via bank wire and through an intermediary named XXXX in the total amount of 6,0000 USD utilizing U.S. Bancorp services.
Product: Debt collection

Per DSG Collection response on CFPB claim number XXXX. They have not taken the {$60.00} off my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXXXXXX XXXX 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Consumer Loan

I bought a used car in XXXX from XXXX and financed it through Santander USA. I paid {$15000.00} for the car. I admit that I was going through a personal and professional crisis at the time and did not pay enough attention to the deal. When they told me my interest rate was XXXX it did n't make a difference to me, I needed a car immediately in order to get to work. I have now made XXXX payments on that car. The loan is maturing XXXX XXXX, XXXX. The principal is {$8600.00} and the estimated payoff is {$10000.00}. It is a XXXX hole of a loan -- having paid them in excess of {$27000.00}, I have a car that is virtually worthless -- and they still want another {$10000.00} from me. How can I have this loan adjusted to a realistic state and stop being charged extraordinary fees keeping me in what is in essence a predatory loan?
Product: Debt collection

XXXX XXXX  has never given me any verifiable information that I can take a look it to assess what debt they say I owe? 

I also never got any statements in the mail nor any confirmation of any such debts. 

They blatantly violated the FDCPA and did not disclose my right to dispute. 

Also - they are illegally reporting on my credit report ( which accordingly to several case laws, constitutes a collection activity )
Product: Student loan

I was the cosigner for my grandson 's SallieMae Loans while he was attending XXXX University in XXXX from XX/XX/XXXX - XX/XX/XXXX. When I was ready to make the final loan payment, I telephoned SallieMae to find out the total owed ( with interest ) and exactly when I should make the payment to avoid any additional fees. I was told to wait until AFTER the Grace Period to make the payment. I followed their instructions and made the payment. A couple of weeks later, I checked my grandson 's account and I was shocked that they had added {$870.00} marked " Insurance. '' I called SallieMae to find out what this charge was about as I did NOT request " Insurance. '' They transferred me numerous times, to different departments and then said it was a Repayment Fee. Each time I called thereafter, I got a different answer, it was " Insurance '' and then " Repayment Fee '' back and forth. 

Evidently, SallieMae representatives purposely gave me the wrong information by telling me to pay AFTER the grace period. I feel they did this viciously and someone should monitor the information the telephone representatives are giving to the students and cosigners.
Product: Credit reporting or other personal consumer reports

The unverified accounts indicated below continue reporting on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 
XXXX, XXXX XXXX Balance {$880.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$1200.00} US DEPT ED XXXX Balance {$2000.00} US DEPT ED XXXX Balance {$2100.00} US DEPT ED XXXX Balance {$1900.00}
Product: Credit reporting or other personal consumer reports

Legal Basis for Dispute : Re-aging Debts : " Re-aging '' a debt involves illegally resetting the date of first delinquency to make it appear as a new debt, thus extending its time on a credit report. This is prohibited under the FCRA, which mandates that negative information can only be reported for a certain period ( typically seven years from the date of first delinquency ).

Right to Privacy and Confidentiality ( 15 U.S.C. 1681 Section 602 ( a ) ) : Under this section, I am entitled to privacy and confidentiality regarding my personal financial information. The actions of XXXX XXXX XXXX XXXX in reporting or handling my account may have violated these rights. 

Unauthorized Disclosure ( 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) ) : This provision requires that a consumer reporting agency can not furnish a consumer report without my written instructions. If XXXX XXXX XXXX XXXX provided information about my account without my explicit consent, this would constitute a violation of my rights under the FCRA. 

Reporting of Obsolete Information ( 15 U.S.C. 1681c ( a ) ( 5 ) ) : The FCRA prohibits consumer reporting agencies from including adverse information that is more than seven years old ( except for criminal convictions ). If any outdated or obsolete information has been reported, it should be removed immediately.

Duty to Provide Accurate Information ( 15 U.S.C. 1681s-2 ( a ) ( 1 ) ) : XXXX XXXX XXXX XXXX is prohibited from furnishing information to consumer reporting agencies that they know or reasonably should know is inaccurate. Any inaccuracies in the reported information must be corrected promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XXXX they asked about a charge XXXX XXXX XXXX XXXX charge {$1500.00} on XXXX and wanted I sent them a picture of my driver 's license and SS # and wanted me to go to the bank an withdraw {$10000.00} cash they said they were the Bank of America identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion deleted XXXX XXXX and they two weeks later added back to the credit file, this a clear violation of the FRCA and FDCPA!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account : XXXX, US DEPT OF ED/ 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.

I have never been applied for a US education Loan, I need this account to be investigated, this account is a fraudulent account.
Product: Mortgage

SLS.net has been my loan servicer since XX/XX/2020. There's a late charge of {$2000.00} that was added to my account. I have been trying to get SLS.net to provide proof of when the charges have been incurred and they keep sending other documents besides the document being requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of addresses below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX, XXXX XXXX : has violated my rights. 

XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX : has violated my rights. 



15 U.S.C 1618 Section 602A states I have the right to privacy. 15 U.S.C 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 1618c. ( a ) ( 5 ) Section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antecedents the report by more than seven years. 15 U.S.C 1618 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

I been a customer for decades and now they tell me my social security number is wrong and I have to correct by down loading forms and printing them I have no way to print I can't change a ss # that I've a! ways had.
Product: Money transfer, virtual currency, or money service

From my western union account money was transferred to the unknown person in XXXX. I have raised a complaint with western union, they created a case # XXXX and told me file a complaint through bureau using the provided case number. This was happened in XXXX. I Just have the name of the person and bank account number in my western union account and did not have a correct address of the person. 

I have already blocked my western union account for further transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I attended XXXX University, XXXX, Minnesota, from XXXX XXXX XXXX, that school closed down for not distributing funds to students in XXXX. I requested about XXXX in student loans. My XXXX, after my military service was severe and I was unable to maintain employment or school. I ended up homeless for many years. I've been in and out of treatment facilities for my XXXX. My loans went into default. Starting XXXX, Garnishments from income tax returns and bi-monthly employment funds began. I was working as a Security Guard from XXXX. After hiring an attorney to assist me in my compensation claim, I finally received my 100 % permanent and total XXXX. My VA counselors informed that i would be debt free. Any debt I had would be forgiven. Along with my student loans. AND any money that was garnished would be reimbursed back to me. I spoke with XXXX, XXXX XXXX XXXX XXXX, and they confirmed that I would be receiving the money I paid into my student loan. XX/XX/XXXX, my student loans were forgiven. Nelnet informed me that I paid XXXX into my XXXX student debt. XXXX XXXX I spoke with XXXX a supervisor, id : XXXX, and he informed me that no funds had been Garnished. I was told in XXXX that I had paid XXXX XXXX And I would be receiving those funds back, because of my 100 % permanent and total XXXX rating connected to my military service. I was also awarded a XXXX XXXX for my service in the XXXX XXXX from XXXX XXXX XXXX. Just typing this out, gives me goose bumps and brings tears to my eyes. XXXX confirmed I would be receiving a refund. Now, they're saying I never paid anything into my delinquent student loans. ANYONE with a student loans knows for a fact, that if you go delinquent, they'll take your soul if you allow them to. But, garnishment of income tax returns, and wages is much easier.
Product: Mortgage

We inquired about a home equity loan on or approx XX/XX/XXXX ( paperwork attached ). 
I was adamant in not refinancing our current mortgage to the representative [ XXXX XXXX XXXX XXXX # XXXX. ] Despite me stating the same he did not disclose he was a mortgage banker with the refinance sector. He deceptively led me to believe we were working on an equity loan. Only when I received paperwork regarding a " refinance denial '' did I have to ask to be sent to the equity loan department. I never approved a credit pull of my data knowing this would hinder points for other loan options. 
I was forwarded to [ XXXX XXXX XXXX # XXXX ] who was to aide in the equity application process. He began calling at erroneous hours/days ( see calls others requested from XXXX ). He was very egregious when I asked questions on my end. I began to email instead in order to have a paper copy of events. He proceeded to coerce me into uploading documentation under the impression that " all looks well. '' He continuously asked me verify finances regardless of the concerns I presented. It felt borderline harassment when he called me 2-3 times in one day. 
On XX/XX/XXXX he had me merge calls with my fianc to close the loan and he pulled my credit to only state I didn't have the correct credit score although he stated I " was good to go '' and I needed to wait for a late payment to be " seasoned '' from XX/XX/XXXX. He led me to believe everything was copasetic. On his email dated XX/XX/XXXX he once again stated we should be " in overall good shape. '' While on this way call he rapidly asked us to pull our credit. He did so and it allegedly came back ( XXXX ) points too low. This I assume is due to the prior unauthorized pull of XXXX XXXX under the same pretense. After-fact I requested the credit report he used for this conclusion and he stated he could not provide this to me. I am now being bombarded with solicitations offering me home equity loans. I am led to believe rocket mortgage shared my information without consent. This is an uneasy feeling with my current loan servicer. We were under duress in order to get a loan to upgrade our home and pay off debts and are now faced with no other options. I would like this to be reviewed and considered as potentially deceptive practice.
Product: Credit reporting or other personal consumer reports

Reporting Violations under the U.S. Fair Credit Reporting Act Dear Sir/Madam, I trust this letter finds you in good health. I am writing to formally report what I firmly believe to be multiple violations of the XXXX Fair Credit Reporting Act ( FCRA ) by XXXX XXXX XXXX XXXX in relation to my credit report. 

Recently, I obtained copies of my credit report from the XXXX major credit reporting agencies, namely XXXX, XXXX, and TransUnion. Upon a thorough review, I uncovered several discrepancies and inaccuracies which, in my understanding, are clear infringements of the FCRA. Specifically, on XX/XX/2023, I dispatched a comprehensive letter along with pertinent evidence to all three credit reporting agencies, urging them to rectify my account status to " paid in full as agreed. '' Under the provisions of the FCRA, it is my contention that my accounts were not appropriately updated, as XXXX, XXXX, and TransUnion failed to validate my account information, thus failing to accurately report my account status. This, in essence, constitutes a serious violation. 

Attached to this formal complaint, you will find copies of my credit reports thoughtfully highlighted to illustrate these discrepancies. The adverse consequences of these inaccuracies have had a detrimental impact on my creditworthiness and overall financial well-being, giving rise to significant concern. 

I wish to emphasize that despite my diligent efforts, the inaccuracies persist unabated. As such, I firmly believe that these ongoing issues are unequivocally in violation of the FCRA. In light of this, I respectfully implore the CFPB to conduct a thorough investigation into these matters and subsequently take all necessary actions to rectify these inaccuracies that have profoundly affected my credit report. 

In addition, I also humbly request that you acknowledge receipt of this letter and furnish me with a reference number or case number for tracking purposes. I am confident that the CFPB will carry out a comprehensive investigation and work diligently to rectify these violations in full compliance with the FCRA. 

I would like to express my heartfelt gratitude for your attention to this matter as I await your timely response and the subsequent resolution of these reported FCRA violations. 

Sincerely, XXXX XXXX- without prejudice
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made multiple attempts with XXXX XXXX as well as the Credit Agencies to CORRECT the INACCURATE INFORMATION from my Consumer Report! As of this Complaint, I have NOT received an Answer to the 3rd Request to XXXX XXXX regarding a specific account ( XXXX ) reporting Utilization. THIS IS A VIOLATAION OF THE FEDERL LW. More over, The Credit Agencies are Bound by the Law to MAINTAIN PRIVACY AND ACCURACY. XXXX Continues and refuses to delete and remove utilization and ARE GUILTY OF THE FOLLOWING : 15 USC 1681a 2 ( A ) ( i ) by reporting transactions and or experiences on My Consumer Report which CONGRESS states is NOT INCLUDED on ANY CONSUMER REPORTS. They further violate the following. 15 USC 1681 Section 602 A Section 2A States that I have a right to privacy. 15 USC 1681 604 A Section 2 States A Consumer reporting agency CAN NOT furnish an account without my Written instructions. I DID NOT GIVE ANY PERMSSION! 15 USC 1681c ( a ) ( 5 ) States no consumer reporting agency may make any consumer report containing any of the following terms of information ANY OTHER ADVERSE item of Information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. They were Noticed and demanded to STOP and or Adjust the utilization. THEY DID NOT Completely ignoring the Law. I want the utilization corrected immediately!
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Transunion regarding their failure to comply with the Fair Credit Reporting Act ( FCRA ) in relation to unresolved inaccuracies on my credit report. Despite my formal disputes, some unverified accounts remain on my report, in violation of Section 611 of the FCRA ( 15 U.S.C. 1681i ).

I previously disputed the following items on my credit report with TransUnionbecause I believe the information is inaccurate and can not be verified. Although some items were corrected, the following accounts remain on my report despite the lack of verification : Creditor/Account Name : XXXX XXXX XXXX XXXX XXXX  Reason for Dispute : Not Mine Creditor/Account Name XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Reason for Dispute : Not Mine Creditor/Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX for Dispute : Not Mine As part of my ongoing efforts to resolve this matter, I previously filed a report with the Federal Trade Commission ( FTC ) XXXX My FTC report reference number is XXXX. Despite this, the disputed accounts remain on my credit report.
Product: Debt collection

The presence of this account has caused me considerable distress, to the extent that it is affecting my ability to sleep.
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX CO XXXX ) XXXX  Balance : {$360.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$370.00}.
Product: Debt collection

I shared an apartment with a friend and we were evicted. My friend went to court for everything because she's a veteran and was going to receive assistance to pay the back rent, but the apartment complex refused to take the money from the agency that was there to pay the back rent. A year or so passed and I found out that I had this company on my credit as a debt owed for an eviction. I tried to contact them years ago, but couldn't get through on the number provided by the apartment complex. I told the apartment complex and I've written to the company disputing the amount due because it, at minimum, should have been divided into 2 between my roommate and I. I have also since called the apartment complex whom of which is under new management only to be placed on hold and then someone takes a message and no one calls me back. I've sent several certified letters to National Credit Adjusters never to get a letter back acknowledging that they've recieved the letters. I do have proof that letters were sent and recieved on XX/XX/XXXX and in XX/XX/XXXX. I really need this matte resolved, this is a large amount owed and I've attempted to reach them to get this verified, adjusted, and resolved without any success.
Product: Credit reporting or other personal consumer reports

Some years ago, I used Lexington law and XXXX to fix my credit but to no avail. I paid for services that weren't provided to me in an attempt to repair my credit.