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

Following the Fair Credit Reporting Act, the list of accounts below has violated my credit report. Please federally protect the consumer 's rights to privacy and confidentiality under 15 USC 1681. 
XXXX : # XXXX, XXXX  : # XXXX, XXXX XXXX XXXX  XXXX : # XXXX, XXXX : # XXXX, XXXX XXXX  : # XXXX, Has violated my rights. 
15 USC 1681 section 602a States I have privacy rights.

15 USC 1681 section 604 ( a ) Section 2 also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681C. ( a ) ( 5 ) Section States : no consumer reporting agency may make any Consumer Reports containing any of the following items of information or any other adverse item of information, other than records of conviction of crimes which antedates the reports by more than 7 years.

15 USC 1681 s-2 ( a ) ( 1 ) a person should 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.

15 USC 6802, I never received the required opt-out notice when the account was being reported ( they never gave me the opt-out notice ). I have a right to opt-out of any reporting of non-public info.
Product: Credit reporting, credit repair services, or other personal consumer reports

i received an update on my credit report and I now have a collection reporting from a company names XXXX XXXX XXXX. I have no knowledge of this company any why they are reporting on my credit file. I was never sent any documentation or a DV. I would dispute this debt because i have no knowledge of this company. 

After doing research on this company XXXX has a poor track record in regards to its collection tactics which have resulted in fines from the United States Government and from individual states as well. XXXX has had to pay close to XXXX XXXX dollars in fines and penalties due to their unlawful business procedures which violate the consumers rights. Their illegal actions have caused thousands upon thousands of consumers credit files to be tainted with negative remarks which includes myself.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts 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 CAPITAL XXXX : # XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) : # XXXX XXXX XXXX  XXXX  ( Original Creditor : XXXX XXXX XXXX ) : # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX THESE HAVE 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 15 U.S.C 1681c. ( 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 antedates the report by more than seven years.

15 U.S.C. 1681s-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: Credit card or prepaid card

On XX/XX/2020 XXXX, ( I ) transacted an online sale involving, " XXXX '' and utilized my " XXXX credit card account '' ( " XXXX '' XXXX to pay for the transaction. 

Two charges were applied to XXXX, first charge for {$98.00} and second charge for {$49.00}. Merchant failed to fulfill order and order was cancelled. Even though order was cancelled XXXX failed to refund charges to XXXX for both charges. 

Concomitantly, I opened a dispute for both charges through XXXX XXXX XXXX case # XXXX, {$49.00} and case # XXXX, {$98.00} ). I provided adequate details for my dispute and provided documentation in support of my dispute. However, XXXX initiated a credit for only one of two charges. 

Therefore, I am asking XXXX to initiate credit for both charges and credit the {$49.00} with {$98.00}, since charges are conterminously together.
Product: Credit reporting, credit repair services, or other personal consumer reports

3 different loans. Two of them are XXXX XXXX credit cards and the other is a student loan. 

XXXX XXXX XXXX XXXX XXXX 5 missed payments XXXX : XXXX, XXXX, XXXX, and XX/XX/XXXX : XXXX XXXX XXXX XXXX XXXX XXXX 4 missed payments XXXX : XXXX, XXXX, XXXX, and XXXX XXXX   XXXX XXXX /Nelnet 3 missed payments XXXX : XXXX, XXXX, and XXXX
Product: Credit reporting or other personal consumer reports

The collection agency was sent a certified letter requesting validation of charges. The company has not provided this. I also I requested validation of the the charged with XXXX and Equifax. Neither provide documents of validation, details and specifics of charges and date allegedly received, insurance documents for any products or services filed and documents disclosing insurance payments in detail. XXXX and equifax replied that they validated the charges, yet did not provide me with copies of what they used to validate. They simply said thye were validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Is my Third written request for Method of Verification. You company has failed to provide me with this information and continue to violate my consumer and civil rights. I have been maintaining accurate logs of my letters and will file a complaint with the CFPB.

These Unverified accounts continue to hinder my ability to obtain credit. Please provide me with the information below : I demand the following Unverified Accounts be provided Physical Verification or Deleted Immediately. Please Provide Method Of Verification.

The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly?

Who verified these accounts? Describe the procedure used and method to determine the accuracy and completeness of the disputed information, including the business name, address and furnisher of information connected to any in accurate information.

You need to do a reasonable investigation in compliance with FCRA section 611 part ( b ) sub sections below.

As per the FCRA : ( 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 You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. I have been keeping detailed records of each letter with certified US Mail tracking in case needed to pursue further legal action.

I demand the following accounts be verified or removed immediately.

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Delete this account. 

2. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX Account Number : XXXX Please remove it from my credit report. 

3. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 4. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS ADVNTGE CRED Date of inquiry : XX/XX/2023 Delete this account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute an unauthorized inquiry on my credit report. I reviewed my credit report and noticed an inquiry from : XXXX XXXX - XX/XX/year> XXXX XXXX  - XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX - XX/XX/year> This inquiry was made without my permission, and I believe it is either a mistake or fraudulent. 

According to the Fair Credit Reporting Act, I have the right to dispute any information that I believe is inaccurate. I kindly request that you investigate this inquiry and remove it from my credit report. 

I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your assistance.
Product: Vehicle loan or lease

Credit Score was told to me to be XXXX, then told to me to be XXXX. Both times I was told that it's too low to get an auto loan. I was told I can't get a loan because I haven't had a loan before, which is cyclical logic. There is no directly correlative reason to deny the loan. It's based on a fictitious number made by an intentionally obtuse process used by a company whose purpose is to obfuscate the discrimination that was always prevalent in the banking system. Without empirical evidence that there is a significant amount of risk involved in loaning to me, there is no actual reason not to loan to me. Therefore, if the loan is denied without the company being able to produce empirical evidence based on academically approved and accepted mathematics and statistics, then the loan was denied without good cause, and therefore the denial is unlawful.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$5000.00} ; XXXX XXXX XXXX XXXX Balance : {$2600.00} ; XXXX XXXX XXXX Balance : {$450.00} ; XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ;
Product: Credit reporting, credit repair services, or other personal consumer reports

MY XXXXXXXX XXXX ACCOUNT WAS NEVER LATE OR HAD ANY MISSED PAYMENTS. IT WAS UNDER DEFERMENT AND FORBEARANCE PROTECTION AND A SUBSEQUENT LOAN MODIFICATION DURING COVID 19 PANDEMIC, AFTER WHICH REGULAR PAYMENTS WERE RESUMED AS SCHEDULED. IT SHOULD NOT HAVE BEEN REPORTED IN A DEROGATORY MANNER ON MY CREDIT REPORT.
Product: Debt collection

On XX/XX/2022, a request was sent to obtain validation of debt. No response. Amounts {$110.00}, {$33.00}, {$5.00}, {$40.00}, {$40.00}, {$69.00}, {$40.00}, {$29.00}, {$2.00}, {$40.00}, {$9.00}, {$29.00}, {$40.00}, {$11.00}, {$110.00}, {$33.00}, {$2.00}, {$2.00}, {$11.00}, {$4.00}, {$5.00}, {$40.00}, {$40.00}, {$84.00}, {$5.00}, {$10.00}
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. Equifax violated my rights and shared. furnished and sold my non-public information without my consent this is deemed identity theft. Please remove these items asap
Product: Debt collection

I am writing you to request the removal of the Default Judgment file from LVNV Funding LLC. 

I was not serve properly to dispute the two accounts. 

Inside the court documents, the server served the wrong person. The server states that she served the citation to a woman she confirmed to be me. But, the woman she described has a different age, weight, height and the woman confirmed of being me is from a different race. 

Also, the two accounts LVNV Funding LLC is attempting to collect were discharged in my ex husband Chapter XXXX Bankruptcy Court filling. 

I contacted the LVNV Funding LLC by phone and by mail and they only send general advertisement to ask me to pay the two debts.
Product: Debt collection

I never open a business account with XXXX XXXX i never own a business. And now i been charged XXXX. I have report identity theft and now submit this report this is hurting my life and my future for a business i didnt own and a account i never open.
Product: Checking or savings account

XXXX XXXX has failed to deposit my paycheck from my employer and all other incoming deposits. XXXX XXXX has cited technical issues, but has refused to give me a timetable of when my funds will be available. The deposit was submitted by my employer on Wednesday, and it has been XXXX XXXX XXXX  I have been denied access to my money. I believe this violates the XXXX Funds Transfer Act at this point, as they are not allowing me access to my money, and not giving me a solution to pay my bills, or to deposit money into my account to cover bills. This is a major breach of trust and should be investigated how they did not have a plan in place in case of failure by the third party they hire to handle these deposits. It is putting a lot of people in impossible situations, and making them bounce payments with no solution or communication on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all XXXX credit bureaus and they have ignored my verfied claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.
Product: Checking or savings account

On XXXX NFCU issued /deposited interest into my savings account. 
On XXXX NFCU issued/deposited interest into my savings account. 
On XXXX NFCU issued/ deposited interest into my savings account. 
This interest is based on principal only. 
I have met with the branch on XXXX, XXXX, XXXX asking why are not paying interest on my total balance. If NFCU does not pay interest on my total monthly balance please show me where this is written. 
Each meeting was met with concern and stated someone would get back to me. No one ever did. I had to keep returning to the bank, each employee telling me they " handed it off '' to another employee. 
This is not a small amount of money in this savings account- it is over {$43000.00}. 
We have a much smaller savings opened almost 3 years ago and NO interest was ever paid. 
What kind of institution is this? I want an explanation or my due interest. I have quite a bit of money in this bank and i no longer trust them.
Product: Money transfer, virtual currency, or money service

On XX/XX/2018 I responded to a XXXX advertisement for an XXXX basketball game. I contacted the seller and we exchanged phone numbers to complete the sale. I was told to transfer the money via XXXX and in return would receive the tickets through flashseats. Seeing as though XXXX was an app that Bank of America used as it's means of transfer, I trusted it thinking that my bank would protect me in cases of fraud or scam. I transferred {$800.00} through XXXX to the seller and unfortunately after the money was transferred the seller never replied back to my messages. This is when I realized it was a scam and the next morning I called my bank and filed a claim. I was told I would receive a letter from my bank within 5-10 business days on the status of my claim but that letter was never received. However, through my bank account online I was able to check my claim status and the claim was " resolved '' and I was not given back any of my funds. A bank is supposed to protect their customers and the fact that I was able to transfer a large sum of money with no guarantee of protection is ridiculous. A system like XXXX that Bank of America, a world-renowned company is so proud of and has featured on their banking app should be able to offer their customers protection in cases of scam and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

I already reached out to Equifax for the following unauthorized addresses listed below and notified them of their error posting on my credit file. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I had also requested the actual proof and physical firsthand documentation but I did not receive what I asked and these violations persist on my credit report. 

Inaccurate Addresses : 1 ) XXXX XXXX XXXX XXXX XXXXXXXX, VA XXXX 2 ) XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; Exclusions mean the process or state of excluding or being excluded and left out of and not be included. 

The definition of a credit card under 15 USC 1681 is the same as it is under 1602 ( I ) which states, The term CREDIT CARD means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or service on credit. Notice, Congress said ANY card. 

The credit card is my social security card. This is the credit card is used to originate every consumer credit transaction in my dispute letter.
Product: Credit reporting, credit repair services, or other personal consumer reports

-Hello I keep disputing with XXXX XXXX XXXX XXXX XXXX XXXX and XXXX inaccurate information reported to my credit reporting. Date of last payment, date of last active and account status is incorrect. Open date is also incorrect. 

-XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXX XXXX XXXXXXXX FOR {$2800.00} OPENED XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence. 
to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit card or prepaid card

I returned an XXXX XXXX on XX/XX/2022 XXXXAPPLE CARD indicated that the item was not returned so the device was put into installment payments thus preventing me from being able to clear it to zero balance. Apple retail has not helped and became complicit and deactivated my Apple -ID for no apparent reason so I am stuck with a deceptive positive balance on the Apple Card... .I sent documents that item was returned but they refuse to clear the APPLE/CARD and take it out of installment payments-APPLE/CARD Had also reported a XXXX XXXX alert to the 3 credit bureaus lowering my credit score 30 points-though there is nothing owed on this card ... APPLE owes me XXXX Apple Retail and APPLE/CARD has not responded accordingly even though they sent emails -No calls have showed up my caller ID -Some calls came in but when answered they would hang up-Apple and Goldman Sachs has avoided my attempt to correct the transaction behavior they altered and modified! I have run out of options and my mental has deteriorated since this occurred.
Product: Credit card

I tried to pay my bill and was informed that my CC was closed unknown to me due to " fraudulent activity '', what was really happening is that Capital One was saying the money from payments was on my CC when it was n't taken out of my bank yet and my bank would reject Capital One so it would then be taken back from the card thusly resulting in an overdraft. Either way they " closed '' my account on the XXXX of XXXX without informing me prior, I called and wanted to know what was going on and they could n't and or would n't tell me anything. I had deposited {$400.00} to start this card and paid off what was owed back down to a balance of {$400.00}. I was told by over 8 different Capital One representatives including supervisors that the remaining {$400.00} would be taken from the deposit and everything would be settled and I would not have to call again, it would {$0.00} out my account and reflect accordingly on my credit. The {$400.00} was supposed to be put on towards the balance 5 business day 's after they closed my account so that would of been the XXXX of XXXX. I spoke to a supervisor on Monday the XXXX who informed me of this thusly and stated " you will not have to call back it will be taken care of automatically '', I waited until Friday the XXXX to check and make sure it had been done, it had not. I called again and talked to another representative who told me " it will be done tomorrow and by Monday it will have a {$0.00} balance ''. I waited till Monday the XXXX with no movement yet again on my account. I called the following morning ( Tuesday the XXXX ) their time and was told yet again, be patient it will get done, all while nothing is happening.