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

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
XXXX XXXX Balance : {$1600.00} XXXX XXXX XXXX Balance : {$160.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230.00} XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$340.00} XXXXXXXX XXXX XXXX  XXXX Balance : {$230.00} 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 XXXXXX/XX/XXXX
Product: Credit reporting

Security credit services was put on Experian right after deleted from XXXX. Found this out when my score dropped. Tried to dispute but instead of contacting the company direct they send a third party company out to check on disputes and the item never gets removed proper. I have went through this before with Experian.
Product: Credit reporting or other personal consumer reports

My wallet was stolen during a company party. I advised authorities that my wallet along with some of my personal information was stolen in XX/XX/XXXX. I recently retrieved a copy of my credit profile and public records and realized there were several addresses linked to my name. I have a very common name. I've contacted the credit bureaus ( XXXX, XXXX, AND EXPERIAN ) XX/XX/XXXX via phone and by mail to ask them to remove the fraudulent addressed from my profile. After attempting to access a line of credit, delinquent accounts are being attached to my credit profile. I am unsure if this a result of my items being stolen or with me having a very common name. I not only requested verification but also an update to my credit profile and nothing has been rectified. These addresses and accounts being linked to my name is affecting my ability obtain credit and also in violation of 15 USC 1681. No information should be furnished to my profile without my permission along with the result of identity fraud. Is
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries on my report from 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 Huntington National XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all which I disputed because I didn't apply for those companies. I have even sent in letter for possible identity theft which all companies haven't responded to or said they would remove immediately
Product: Debt collection

Navient has been repeatedly calling me, 7 or 8 times a day. They are calling for someone who is not me and who does not live here. I have told them numerous times to stop calling me and that the person they are looking for does not live here. They don't stop calling and they don't listen to me. They accuse me of lying. I am XXXX XXXX XXXX and I believe they are harassing me on the basis of my age. I attended XXXX in the late XXXX and we didn't have student loans back then. I wish we did. I had to work in the college cafeteria to pay for my school and it was hard. I'm glad the students of today get help with their schooling but they person this Navient is looking for is not me.
Product: Credit reporting or other personal consumer reports

XXXX I have multiple late payments on this account. That shouldnt marked as late according to section XXXX ( b ). I did not receive reasonable procedure within the time frame stated below. This is in fact a violation on their end according to XXXX XXXX XXXX XXXX - Timing of payments. A creditor XXXX not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date 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, credit repair services, or other personal consumer reports

I have been disputing an account with the 3 Credit Credit Agencies Experian XXXX  and XXXX. XXXX  has deleted this account for inconsistent inaccurate information. XXXX XXXX and Experian has verified the same account with XXXX this account is reported in accurate information on my credit report it affected me badly the two credit bureaus Experian and XXXX XXXX has failed to do an proper investigation, no investigation has been done at all the date of last activity has not changed/updated therefore no investigation has been done. I have been disputing this account for an accurate information however this account has been supposedly verified I have also requested in method of verification the credit bureau Experian XXXX XXXX has failed to provide me with their medical verification instead they sent and verify letter which I believe is an stall tactic ... both credit bureaus have been sent the information below. as requested. This is a request under FCRA 611 ( a ) ( 7 ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA 611 ( a ) filed with on ( date/identification of the dispute ). To be more specific, based on FCRA 611 ( a ) ( 2 ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA 611 ( a ) ( 7 ). The credit bureau has even failed to provide me with the information above instead, I got another verified letter in the mail. I have requested their method of verification since the account has been supposedly verified. The Date of last active with experian is XX/XX/XXXX while XXXX  has XX/XX/XXXX .. if this account was investigated the date should have updated. XXXX  has open date as XX/XX/XXXX while experian has XX/XX/XXXX. The Account type is reporting inaccurate/inconsistent.. experian doesnt even know what kind of account this is, reporting as Unknown while XXXX has telecommunication/ cellular. Experian doesnt even have a valid close date, While XXXX  is reporting a date. This account is also being reported as a CHARGE OFF AND COLLETION. It can not be both it can only be either or charge off & collection this is also in accurate information that is being reported I have been disputing for months and nothing has been done but supposedly verify letters has been sent to me and clearly this account has not been properly investigated the only credit bureau that has properly investigated this account is XXXX  and this account was removed from my XXXX  credit report for an accurate information so how is XXXX  in experience verify this account as accurate if it was removed from XXXX  or in accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX, and upon checking my most recent credit report, I noticed that the Credit Bureau is continuously reporting accounts with erroneous information. This is a massive violation of the Fair Credit Reporting Act. I have already addressed them with regard to this issue and I have not received any response from them until this date. 
US DEPT ED XXXX : {$2600.00} US DEPT ED XXXX Balance : {$2900.00} XXXX : {$110.00} XXXX XXXX XXXX : {$0.00} US DEPT ED XXXX : {$1700.00} US DEPT ED XXXX Balance : {$2300.00} XXXX  XXXX ( Original Creditor : XXXX ) XXXX Balance : {$64.00} XXXX XXXX : {$0.00} DEPTEDXXXX  XXXX : {$0.00} DEPTEDXXXX XXXX : {$0.00} DEPTEDXXXX  XXXX : {$0.00} DEPTEDXXXX : {$0.00}
Product: Payday loan, title loan, or personal loan

I'm paying XXXX every 2 weeks, and XXXX is all that is going to principle. XXXX  fees of XXXX out of the XXXX i pay bi-weekly is insane. I did not know it would be like this. I borrowed XXXX, and they are taking money every time i get paid to total XXXX. XXXX  fees account for 93 % of my payment. That is completely outrageous and should be illegal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to resolve the issue of the payment posting date with XXXX. They were paid prior to the posting date and have documents to show. They reported my payment 30 days late to the credit bureaus. I called numerous times and all they send me is a letter to show the debt is paid in full. They are not helpful what so ever. I still receive call to get people to come purchase cars. I reached out to their social media no resolution. it made my score drop considerably. I wrote a letter to explain how I have made on time payments and to please reconsider and still nothing. I see numerous complaints from the company and this is the very reason why I saved to get a better vehicle and a company that actually will try to listen. I see this is a common practice with them. I tried disputing with the credit bureaus but all they did was update the paid in full date the same as the delinquent date which makes no sense. They just updated comments and didn't bother to further investigate.
Product: Credit reporting or other personal consumer reports

Capital One - Account XXXX Platinum Secured - Opened XX/XX/year> - I am requesting that this trade line be deleted from all three of my credit reports. I have notified each credit bureau that this trade line reports inaccurately and affects my reports negatively. This account was paid in a settlement. I never received any 1099 for this account confirming it was settled, although I received an email it was. I notified each bureau in a dispute that the account reports payment status as XXXX and nothing has been fixed XXXX Also, the last payment date for each credit bureau is inaccurate. I notified the credit bureaus and was advised after the dispute that it was reported accurately, verified, no change. I emailed the CEO of Capital One regarding for this request to be fixed and was then contacted by XXXX that on their end, they report accurately and the credit bureaus report their information inaccurately. Per inaccuracy, I request that this trade line be deleted immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and to my surprise, I noticed that my right to privacy has been violated. By no means have I given you any permission to report non-public personal information without written consent. Nor have I provided any financial institution, or third party ( collection agencies ) authority to obtain any information. 

In regards to 15 U.S. Code 6802 Obligations with respect to disclosures of personal information ( c ) Limits on reuse of information Except as otherwise provided in this subchapter, a nonaffiliated third party that receives from a financial institution nonpublic personal information under this section shall not, directly or through an affiliate of such receiving the third party, disclose such information to any other person that is a nonaffiliated third party of both the financial institution and such receiving the third party, unless such disclosure would be lawful if made directly to such other person by the financial institution. 

I do not consent to any third party obtaining non-personal information without my knowledge or notice. The Fair Credit Reporting Act ( FCRA ) was enacted to protect the confidential information on consumers ' credit reports from misuse, fraud, and theft. It gives consumers the right to ensure that the information on their credit reports is not only correct but private. 

Also in accordance with 15 U.S. Code 1681a Definitions ; rules of construction, ( 2 ) ( C ) any report in which a person who has been requested by a third party to make a specific extension of credit directly or indirectly to a consumer conveys his or her decision with respect to such request, if the third party advises the consumer of the name and address of the person to whom the request was made, and such person makes the disclosures to the consumer required under section 1681m of this title.

Due to the breach of my privacy, I am requesting the following items be Deleted Immediately. 



XXXX. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONSXXXX XXXX XXXX  XXXX Account Number : XXXX Please remove this non-compliant account from my credit report per FCRA and FCBA XXXX XXXX The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX XXXX XXXX. The following personal information is incorrect Account Number : EMPLOYER : XXXX XXXX  XXXX XXXX there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Vehicle loan or lease

I purchased a Lexus XXXX XXXX in XX/XX/XXXX. I financed through XXXX, and purchased GAP insurance provided by Lexus. In XX/XX/XXXX, my car was flooded and declared a total loss. The insurance paid off a portion of the loan - XX/XX/XXXX and a small balance of {$5500.00} remained. In XX/XX/XXXX I contacted the GAP department and was instructed to cancel the additional services I purchased of tire and wheel, coverage provided by Lexus. Lexus issued the refund check for this service and mistakenly sent it to Lexus ( dealer ) instead of XXXX, the actual lien holder. I contacted on numerous occasions the Lexus of XXXX XXXX and was repeatedly told the manager would look into the matter, the check was never found. It took an additional 6 months for Lexus to issue a second check which should've been mailed to XXXX but was once again it was sent to Lexus ( dealer ). Lexus Financial Services continuously misfiled the paperwork, listing themselves as the lien holder. This error lead to further complications. In XX/XX/XXXX, Lexus launched an investigation into the correct lien holder, which required I submit documents to verify XXXX 's loan. 
Upon verification, Lexus sent out another check in XX/XX/XXXX but this time they forgot to include the account and VIN details, delaying the posting of the payment. By the time the payment was finally processed XXXX had sent my account into collections. This has greatly impacted and damaged my credit score. I have been unable to obtain a copy of the check or any useful information from XXXX which the collection agency now requires to resolve and clear the issue., XXXX XXXX either can not or refuses to provide the information needed to address the balance and resolve the situation. Lexus Financial has caused great and severe damage to my credit thus affecting my finances and overall life. It has been over a year and the balance is now in collections. The copy of the check is needed in order for the GAP insurance to pay out a check covering the remaining balance.
Product: Debt collection

On XXXX I received a letter from XXXX XXXX XXXX XXXX about a debt to Capital One. On XXXX, i received a letter from XXXX and XXXX XXXX about the same capital one debt. On XX/XX/XXXX I sent both collectors a letter by certified mail asking for : Please provide a signed copy of the purchase agreement between you and Capital One showing the amount your paid for the debt, all terms and conditions and the statement from Capital One guaranteeing the accuracy of any documents the provided to you. 

I asked the previous Debt Collectors to cease all communications but revied a letter from one the same days as yours offering to settle for half. I am requesting the purchase agreement in preparation for a lawsuit against Capital One and the other Debt Collector. 

On XXXX, I was notified by mail from Open law that XXXX and XXXX has filed suit in smalls claims court in XXXX XXXX XXXX XXXX 

Under FCRA, they should stop all collection efforts until this was resolved. 

I challenge their authority to collect and file the lawsuit as I don't know who is the right debt collector and without the requested information, they can't prove they are.
Product: Credit reporting, credit repair services, or other personal consumer reports

EQUIFAX, I AM GOING TO FILE ANOTHER ATTORNEYS GENERAL COMPLAINT AGAINST YOUR XXXX IF YOU REFUSE TO FIX THIS! 
STOP SENDING THIS COMPLAINT BACK AND GET TO RECTIFYING IT! 
I WILL MAKE SURE YOU PAY ME MILLIONS!
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

This account is XXXX XXXX on my credit report.
Product: Credit reporting

The credit reporting agency is making it extremely difficult for me to submit my police report for identity theft. They keep releasing my credit report without my permission, yet they require my id for disputes. It makes no sense. There are numerous inquiries that are unauthorized and accounts that are n't mine. They are also reporting an address that does n't belong to me and they refuse to update my report. They tell me I need to upload my documents, then they do n't allow me to upload my documents. They refuse to let me dispute illegal inquiries and an address that does n't belong to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX - is not my address and never has been. These accounts are not mine Show more Account name XXXX XXXX Account number XXXX .... 
Recent balance Not reported Date opened XX/XX/XXXX Status Paid, Closed. 
In dispute cart Show more Account name UNIVERSITY OF XXXX Account number XXXX .... 
Recent balance {$3500.00} as of XXXX/XXXX/XXXX Date opened XX/XX/XXXX Status Account charged off. {$3500.00} written off. {$3500.00} past due as of XXXX XXXX. 
These inquiries were not authorized by me Show more Account name XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX CARD Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX XXXX Date of request XXXX/XXXX/XXXX + Options Show more Account name XXXX Date of request XXXX/XXXX/XXXX
Product: Checking or savings account

XX/XX/XXXX around XXXX i was told by a custmer service rep from citi Bank that i would be able to recieve the remaining balance in my accounts 1 account totaling XXXX and another account with {$40.00}, when i arrived at the branch i was told that the fraud department has decided my money was fraudulant, i was also asked by employee XXXX XXXX who was XXXX baby i told her that was my display name on my XXXX  account and that i transfer money between my accounts. 

My problem is that the money in my account isnt fraudulant, i had recieved to direct deposit that caused my account to be flagged, but prior to that i had money in the account, my account was blocked on put on hold the begining of XX/XX/XXXX, during this time i had sent transferred money from my XXXX  to my bank which i can prove that my money in the XXXX came from me my XXXX  tag is XXXX XXXX  which is my govenment name, i also recieved a state deposit XX/XX/XXXX {$2500.00} that i had sitting in acct ending XXXX i recieved my direct deposit from the federal govt XX/XX/XXXX {$1100.00} and XX/XX/XXXX {$910.00}, between those dates i also sent money from my cashapp numerous time labeled XXXX XXXX XXXX*cash out as a XXXX  of XXXX  XXXX i keep my money in more than XXXX place i even have money hidden in a coffee pot in my kitchen incase i cant reach my bank cards, all this money in my account is being held {$8200.00} is alot of money to be holding with doing deep investigation, if the bank felt my activity was fraud related then all the money from the transfer should have been returned to its sender which in my case the money would have returned back to my XXXX. 

i reached out to cashapp they said " if money was sent to a closed aqccount the bank will hold the money, reach out to the bank '' which i have. 
i have attached a copy of my XXXX  info showing my XXXX   display name is XXXX baby but the account belongs to me and the address on file with my XXXX is my previous address with the bank my address changed because i moved from a dv shelter to a new home. i also attached my citibank statement to show my activity of my transfer and on my account. 

the bank only allowed my to recieve XXXX since my account has been closed they owe me money, im running out of food and rent is due im working part time i need help someone to listen to me im not a bad person i made one mitake by allowing someone to deposit money in my account which toataled XXXX those deposit have been returned but my money is still being held, if its fraudlant return it to its sender the state, the federal govt, XXXX  and they will rightful give me my money back.
Product: Credit reporting or other personal consumer reports

These 2 items need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

Security Credit Services - XX/XX/year> They provide me with a report summary, which is not proof of ownership and the right to collection the debt. They communicate with me after a cease and desist was requested in the letter. They failed to provide me with the purchase agreement that lets me know who has had ownership of the debt. How they can collect on the debt, if they can sue on the debt. They ain't give it to me.
Product: Credit card or prepaid card

I purchased an item I thought to be a legitimate merchandise from a XXXX " advertisement '', I paid it through my paypal account on XX/XX/2021. The item had never been delivered, as of todays date, XX/XX/2021. So on XX/XX/2021 I requested that Paypal dispute the charge and to credit the amount back to the source of payment, but Paypal has not resolved the dispute as of todays date. Whenever I go to the paypal resolution center, it says that it has moved the time for the resolution up 5 more days. IT has done that three times since XX/XX/2021. IT was suppose to be originally resolved by XX/XX/2021 but there has been no movement. The company XXXX XXXX XXXX XXXX, issued " fake '' tracking number, so as to not be able to track the paid merchandise, thus I believe it is a scam. IT was a split payment from two credit cards, through paypal. See Attachments of receipts/copy of disputes, invoices, etc.
Product: Debt collection

LVNV FUNDING LLC

Contact XXXX XXXX XXXX XXXX, SCXXXX
(XXXX XXXX

HAS BEEN SENDING ME COLLECTION NOTICIES IN THE AMOUNT OF $XXXX  THE COLLECTION HAS BEEN REPORTED AS PAST DUE . I DO NOT KNOW THIS COMPANY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY . THIS COMPNAY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.