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

I previously submitted a dispute to XXXX regarding LVNV funding LLC. Amount {$910.00}. I have asked that they validate/verify this debt as the statement LVNV funding LLC sent me as verification is full of incomplete and inaccurate information. The statement does not include any transaction history. It shows interest charges on purchases {$16.00}, Interest charges on cash advances {$1.00}. Total interest {$18.00}. With totals year to date charges of {$40.00} fees and Total interest charged {$100.00}. Yet, the amount on the statement is {$910.00}. There is no documentation to support that amount and the statement sent to me is not in anyway a validation of debt. I asked XXXX and LVNV funding previously to explain these inaccuracies or delete the account from credit file per the Fair Credit Reporting Act as all information should be complete and accurate. Neither XXXX or LVNV has complied genuinely with my requests, instead XXXX sent me back a response advising the account had been " verified as accurate '' with no explanation or details or proof to support their response. I do not believe they contacted the furnisher and if they did, they did not do any type of investigation. Nor did they address anything in my dispute. I sent them the statement of LVNV funding LLC and I also sent them proof that XXXX removed this account from my credit file after my dispute to them. XXXX ignored all of this as well as LVNV funding. How can they continue to report this account after XXXX has deleted it? Please review and delete this account from my credit file. 

Please see below proof XXXX removed this account : Also attaching statement LVNV funding LLC sent me as validation of debt Company 's Response Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. XXXX has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX AUTO FINANCE THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX XXXX XXXX THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : XXXX XXXX XXXX, XXXX XXXX VERIFIED THAT THIS ITEM BELONGS TO YOU. ADDITIONAL INFORMATION HAS BEEN PROVIDED FROM THE ORIGINAL SOURCE REGARDING THIS ITEM. THE FOLLOWING FIELDS HAVE BEEN MODIFIED : ACTUAL PAYMENT Trade : LVNV FUNDING LLC THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. Trade : LVNV FUNDING LLC THIS ITEM HAS BEEN DELETED FROM THE CREDIT FILE. We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you.
Product: Credit reporting or other personal consumer reports

I XXXX XXXX Have fraudulent accounts appearing on all three of my credit reports. 


1. XXXX {$2600.00} 2. XXXX XXXX XXXX {$2600.00} 3. XXXX XXXX {$2100.00} 4. XXXX XXXX  {$10000.00} 5. XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2023 I am disappointed with Transunion dispute center. I called in and spoke to a represenative to let her know that there were unauthorized inquiries on my credit report. She responded that the inquiries were " factual '' and had to remain on my credit report for two years. I explained to the rep that these were not created from my doing. I tried disputing these items online but to no avail the system wouldn't allow me to do so either. I have filed a FTC complaint and i am asking for these items to be removed immediately from my credit report. The report number the represenative gave me was XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The first thing I want to address is that my Social Security number belongs to me. You do not have the right to put a freeze on it unless requested by myself, this is an unethical way to obtain business. The second, the mortgage, that is on my account, the debt does not belong to me, my ex-husband bought me out of the house, legally bought me out. This debt is legally not mine. My brother is a attorney and this has caused me monumental problems. I need this off immediately, or you will receive a court order.
Product: Mortgage

From XXXX through XXXX 2015 I was enrolled in automatic payment with my mortgage lender, PNC. On XXXX/XXXX/15 I went on line with the intent to cancel auto pay. I thought I had successfully done so. I got an email from PNC confirming I had made changes. I thought my cancellation was processed. On XXXX XXXX I went on-line and paid my bill. XXXX mortgage payments came out of my checking. It then took begging and pleading to get the money back and additional begging and pleading to get it back electronically, as they wanted to snail mail it to my home address, and I was on vacation meaning it would be XXXX before I could have the funds to deposit and then I 'd need for my bank to clear them. The letter I received which I thought was confirmation of my cancellation was a non-specific notification of " a change ''. It turns out the draft date changed from the XXXX of the month to the XXXX. That is not what I thought I did but I had no way to know that because the letter was vague and I never got any notification of a new draft date or amount. I did not plan for or expect to have a double mortgage payment. Nor did I think it should take several phone calls and over 2 hours to fix. My initial call to PNC was on XXXX. Eventually they promised to wire the funds on XXXX and said they 'd be in my account by XXXX. Today is XXXX, still not there and now they say they did n't send it yet but will send it today.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I obtained an installment loan from XXXX XXXX to fund my vehicle repair from XXXX in XXXX, VA. 

The loan was advertised as 90 days same as cash with no interest or prepayment penalty but with an APR of 119 %. While the interest rate was unreasonable, I could not afford to pay the {$1200.00} repair at the time and urgently needed my vehicle for work, grad school and to take my kids to school and other places, so I took the loan. 

The loan was disclosed to have semi-monthly payments of {$69.00} over a 48 month period that were required to be auto payments. The first payment processed on XX/XX/XXXX and subsequent payments were made via auto payment twice every month. While all payments were made and processed including extra and irregular payments, XXXX XXXX  has reported to the credit bureau that the account is past due 30 days. 

The fact is that the account is actually paid in Full. While I have attempted to resolve this in phone calls with XXXX XXXX, but have been unable to do so. 

I have been retaliated upon for I believe paying the account off in full and avoiding the exorbitant and illegal interest ( according to Virginia code max interest rate on consumer installment loans is 35 % ). 

XXXX has deleted my online account access and refuses to update the account status to paid in full based on my last payment of {$1400.00} on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I AM A NATURAL PERSON. This dispute is not being made by a third party I am physically submitting this dispute as a real person. 

I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. PLEASE HELP ME REMOVE AND DELETE THIS FRAUD ACCOUNT FROM MY CREDIT REPORT.
Product: Vehicle loan or lease

Ive reached out Equifax, they refuse to remove any The fraudulent information thats on my credit report I sent over FTC report and several police report. Can you please remove all the fraudulent accounts from my report.. THANK YOU
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EXPERIAN.COM and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received denial for student loan because of information Tranunion reported. The student loan servicer stated that Transunion reported that I have student loan delinquency of over 90 days. There are no student loans delinquent at all. Why did Transunion report that is was?
Product: Debt collection

SBS Lien Services was hired by XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in XXXX XXXX to foreclose on my condo XX/XX/XXXX. The alleged amount owed was wired under protest in accordance with the instructions provided by SBS Lien Services. ( 1 ) -In XX/XX/XXXX, my former HOA account with XXXX  XXXX XXXX assessed a NSF check fee because SBS Lien Services issued a NSF check. ( 2 ) -On XX/XX/XXXX, my current HOA account with XXXX  XXXX also charged a NSF check fee due to SBS Lien Services issuing another NSF check. ( 3 ) -In total, SBS Lien Services sent two NSF checks. ( 4 ) -On XX/XX/XXXX, XXXX XXXX updated the California Secretary of State ( Ca SoS ) website by associating a business entity from a XXXX XXXX with the same name and a similar address with the information of XXXX XXXX  XXXX in XXXX XXXX. ( 5 ) -On XX/XX/XXXX, XXXX posted a wire transfer ( HS # XXXX ) of {$50000.00} to my account. Finally, SBS Lien Services transferred the money that I had wired on XX/XX/XXXX. ( 6 ) The NSF check fees and late fees have not been reversed. ( 7 ) -On XX/XX/XXXX, XXXXa filed a Registration of Unincorporated Common Interest Development Association with the Secretary of State ( SoS ) for XXXX XXXX  XXXX in XXXX XXXX. Yes, XXXX just filed it yesterday, XX/XX/XXXX. 

( A ) -What information did SBS Lien Services lack from the HOA that prevented the timely disbursement of funds? ( B ) -Which identification documents did SBS Lien Services use to verify that the " HOA BUSINESS ENTITY '' involved in the foreclosure was a legitimate entity operating in California in XX/XX/XXXX?
Product: Debt collection

The company is IQ Data. They have repeatedly called us multiple times a day with fake numbers to look like they are local calls. They have called family on multiple occasions even after asking them not to. 

They went against Minnesota law and added more interest than what state law allows. 

When we set up a payoff for them and couldn't make the payment date we called them to set up another option where they pressured us to ask family or take out a loan instead of helping us in creating a payment plan with them. 

When that payment date came, even though we called and asked them to cancel the automatic payment and to set up a new payment date, they still charged our account for the full amount.
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXXXXXX XXXX XXXX, which falls under trafficking according to XXXX Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting or other personal consumer reports

ACCOUNT NUMBER XXXX OF XXXX XXXX XXXX THAT I HAVE BEEN DISPUTING FOR 3 MONTHS IN EACH RESULT DOES NOT MATCH, THEY REINSERT LATE PAYMENTS IN EACH RESULT, IN XXXX, XXXX AND TRANSUNION THE INFORMATION IS DIFFERENT AND INACCURATE BOTH IN PERSONAL INFORMATION AND IN ACCOUNT NUMBER AND NUMBERS OF LATE PAYMENTS, NEGATIVELY AFFECTING MY CREDIT HISTORY WHICH IS IMPECCABLE, I DEMAND THROUGH THE LAW THAT PROTECTS US AS CONSUMER TO REMOVE THESE LATE PAYMENTS OR REMOVE THE ACCOUNT FROM MY CREDIT REPORT XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX U.S.C 1681 e ( b ) 15 U.S.C 1681 ( 5 ) 15 U.S.C 1681 ( 7 ) 15 U.S.C 1681 ( 5 ) ( b ) ( i ) ( i ) 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 MI WRITTEN INSTRUCTIONS
Product: Vehicle loan or lease

To Whom It May Concern, I am filing a complaint against XXXX XXXX regarding an auto loan for a XXXX XXXX XXXX that I began leasing in XXXX. I believe the loan terms are predatory, the vehicle was significantly overpriced, and the annual percentage rate ( APR ) is excessively high. When I entered into this agreement, I was not adequately informed about the financial consequences of the high APR and extended loan term. The original price of the vehicle ( {$34000.00} ) was significantly inflated, far exceeding its fair market value at the time. I believe the lender engaged in unfair practices by approving the loan at such an exorbitant cost and interest rate, despite the cars actual worth and my financial capacity. 
The APR of 22.99 % is extremely high, making it nearly impossible to pay off the loan without incurring significant financial hardship. I believe Credit Acceptance took advantage of my financial vulnerability by approving a loan under these unreasonable terms, which may violate consumer protection laws. 


Thank you for your attention to this matter. Please contact me if additional details or documentation are required.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, My name is XXXX XXXX. I am contacting you to delete the following information from my file. These accounts are not mine. The accounts and items that I need deleted are listed in the report. I am just devastated. I did not make any of these charges. I have been a victim of identity theft. I ask that the items be deleted to correct my credit report. The theft has been reported to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Credit reporting or other personal consumer reports

The addresses and employment information that I am disputing are not accurate. I have never lived there.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I am writing a Follow-Up Complaint Regarding XXXXXXXX XXXX Lack of Response to Previous Dispute I submitted a complaint regarding an inaccuracy on my XXXX, Experian and XXXX credit report. On XX/XX/XXXX I submitted complaint XXXX, which has not been addressed adequately by XXXX, XXXX is XX/XX/XXXX and I have yet to receive a response through the CFPB portal as requested. 

The inaccuracy regarding the reporting of my payments remains uncorrected. XXXX 's lack of response and action not only affects my credit standing but also violates the Fair Credit Reporting Act ( FCRA ) requirements to maintain accurate and complete credit information.
Product: Credit card or prepaid card

Unauthorized withdrawals were made in XXXX and XX/XX/2019 totaling approx {$900.00}. From government issued card XX/XX/XXXX. ( Widows pension )
Product: Money transfer, virtual currency, or money service

Vystar Credit Union ( XXXX XXXX XXXX XXXX, VyStar XXXX, XXXX, FL XXXX, XXXX ) mobile and online banking systems have been entirely unavailable since XX/XX/2022. Since then, members have been unable to check account balances, move money, or pay credit cards. Further, transactions were completely stopped for an entire week. On or about XX/XX/2022, Vystar sent notification to its members that internal transfers were still unavailable, but credit payments could be made through an external transfer. However, access to online accounts is still virtual impossible, with online queue times over 4 hours simply to log into accounts. Further, all money management operations have been unavailable. As this is a regional credit union, suggestions to visit branch locations have been impossible for me, and I am sure other people. Telephone help and money management also has been virtually unavailable. I can not access my money, pay off my credit card, or pay my bills because I can not access my accounts.
Product: Money transfer, virtual currency, or money service

I XXXX XXXX Nevada I had {$500.00} was missing out of my account and I made a couple calls and got nothing back.
Product: Credit reporting, credit repair services, or other personal consumer reports

Checkr 's did a background check for XXXX and XXXX in which it submitted inaccurate information. It was noted in the background check that I was convinced of XX/XX/XXXX in XXXX and XX/XX/XXXX XXXX in XXXX. However, those charges have since been reversed as of XX/XX/2020 and I am no longer convicted of those charges. I am a free man no longer convicted of any XX/XX/XXXX. I need this error to be corrected because the companies I wished to work for are not interested in employing a convicted XX/XX/XXXX. I have the necessary documents to show that my case has been reversed.
Product: Credit reporting or other personal consumer reports

I first contacted Equifax about receiving the BLNK error on my first login XX/XX/XXXX of XXXX, after I physically mailed them all of my updated identity documentation ( legal name change via courts, followed by last name change via marriage license ). 

I like to keep a close eye on my credit, and I do not have access to my information online because of an error that the website claims can be fixed by calling their support line, which I have done multiple times. I have also emailed them several times since the first time. 

Out of that time period, I have only gotten 2 emails back, saying " we're working on it '' or something to that effect. Otherwise I am entirely ignored, while being regularly offered upgrades to Equifax Complete Premier. Why would I upgrade when the base product won't even work, and customer service won't even respond? 

Over the phone, they offer periodically to send me my credit report, but that is ridiculous. I should be able to access it like any other person with an Equifax account.
Product: Debt or credit management

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX, XXXX XXXXXXXX Dear Sir/Madam, I am writing to file a formal complaint against ClearOne XXXX XXXX regarding their handling of my debt relief program. Despite my efforts to resolve the issue directly with the company, I have been unable to reach a satisfactory resolution. 
In XX/XX/XXXX, I agreed to a settlement with a creditor through ClearOne XXXX XXXX. I was assured that this settlement would not increase my monthly payment of {$880.00}, which is due on the XXXX of each month. Additionally, I was assured that no other payments would be taken from my XXXX XXXX XXXX account other than the payment on the XXXX of each month. 
However, on XX/XX/XXXX, ClearOne XXXX XXXX  created an unauthorized draft, resulting in {$990.00} being taken from my XXXX XXXX XXXX account. This unauthorized action has caused significant financial hardship for my family. 
On XX/XX/XXXX, I called ClearOne XXXX XXXX  to cancel my account and spoke with XXXX ( # XXXX ), who transferred me to XXXX XXXX informed me that I would need to pay approximately {$6000.00} in fees to close the account. This conversation lasted over an hour, during which XXXX held my account cancellation hostage based on this fee. She only agreed to cancel my account after I provided her with my attorneys phone number and name. 
I became a member of ClearOne XXXX XXXX in XX/XX/XXXX. Since then, I have been constantly harassed with text messages urging me to increase my monthly payment, which I could not afford to do. 
I believe that ClearOne XXXX XXXX has engaged in deceptive and unfair practices, including unauthorized drafts and harassment. 
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 
Sincerely, XXXX XXXX XXXX