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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX # XXXX - BALANCE {$13000.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$1600.00} XXXX XXXX XXXXXXXX - BALANCE {$770.00} XXXX XXXX XXXX  XXXX - BALANCE {$1900.00} XXXX XXXX XXXX XXXXXXXX - BALANCE {$1900.00} XXXX XXXX XXXXXXXX - BALANCE {$830.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX - BALANCE {$3400.00} XXXXXXXX XXXX XXXX XXXXXXXX - BALANCE {$610.00} XXXX XXXX  # XXXX - XXXX {$1000.00} XXXX XXXX XXXX # XXXX XXXX BALANCE {$1100.00} XXXX XXXX XXXX # XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$1700.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX {$3300.00} XXXX XXXX XXXX XXXXXXXX - XXXX {$390.00} XXXXXXXX XXXX XXXX XXXXXXXX - XXXX {$450.00} XXXX XXXX XXXX XXXXXXXX - XXXX {$3400.00} XXXX XXXX XXXX XXXXXXXX - BALANCE {$660.00} Unauthorized inquiries XXXX XXXXXXXX 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: Checking or savings account

A friend found this rental on XXXX XXXX XXXX XXXX  and rented it. XXXXXXXX XXXX XXXX XXXX cancelled her reservation and refunded her money but never told her why. This company reached out and told her that the owner decided not to go with XXXX XXXX XXXX XXXX  but rather their business to rent their house. Upon talking to my friend the house sounded great and I as well was interested. We both went through the process to rent the house corresponding via email. We bowed the house in the website provided. A deposit of {$1900.00} was due to reserve then {$2300.00} was due XX/XX/23. XXXX accounts were provided to transfer the money and then we had to upload screen of the transfer for proof. My friend was trying to contact the renting company to pay her final part and was unable to reach them. She contacted the owner of the house and was told this company was scamming people and they were showing up to their house thinking they had rented it. My friend contacted XXXX XXXX XXXX XXXX  and was told at this time that was the reason they cancelled her reservations. They never disclosed that initially. We since have contacted our banks and also filed police reports locally but our banks have told us they can not redeem our money paid. This website still exists and the house is still listed through XXXX XXXX XXXX XXXX tho we did not book through them. PNC denied the fraud claim stating it was authorized and person to person didnt apply even tho we thought we were renting a house for vacation.
Product: Credit reporting or other personal consumer reports

XXXX XXXX and Equifax have been notified on several incidents of identity theft and have yet to clear my report its preventing me from opportunities for housing financial support and education for my children this is completely illegal according to fcra regulations Im to be provided with an investigation on WHY these things are on my credit report most of these items I can not acknowledge for I did not commence any contracts or agreements for leases loans or credits as well as services including communication and health services
Product: Debt collection

XXXX XXXX XXXX sold my debt to lloyd and Mcdaniels creditor law firm that then did not contact me at all before this, or if they did it never got to me and served me papers while I was at work and then forced me into an agreed judgement. I have a XXXX a month agreement but then they are trying to force me into automatic debit, which I am not comfortable with at all and do not authroize with any company and don't tell me much on filling out any forms. It was a old credit card debt from years before that I didn't even know I had.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, * TRANSUNION, XXXX AND XXXX have violated my consumer rights. 
15 U.S.C 1681 Sec 602 A : States I have the right to Privacy.

15 U.S.C 1681 Sec 604 A. Sec 2 : Also states a consumer reporting agency can not furnish a account without my written consent.

15 U.S.C 166b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason. 
15 U.S CODE 1692c ( a ) Communication with the consumer generally without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 
I have never given prior consent or have any contractual agreements with any of these creditors agreeing to report misleading representations of myself, the consumer. Please ensure the creditors and credit reporting agencies correct all errors relating to payment history, late payments, for I have never once consented to any such terms of agreement. Please provide the signed contract validating each and every one of the unauthorized inquiries. 
If no documentation bearing my wet signature can be presented with your response as verifiable proof, Than i insist you remove all unauthorized inquiries. Thank you!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shopping for home and I am very displease and disappointed that I found fraudulent and illegal accounts on my consumer credit report. I was recently in a breach with XXXX and Experian so that lets me know that my information have been exposed. However, I am under the impression that my information should always be protected. Now that these fraudulent accounts have come to my attention, you guys are violating me. Under 15 usc 1681g my consumer credit report should be secured and if not, The credit reporting agencies can be sued immediately. This is a defamation of character and is causing emotional stress on me and my family. I am trying establish a home and I need you guys to remove these illegal accounts immediately! This is also destroying my livelihood and should no longer be neglected. I will be contacting the CFO of each credit bureau to complain because this is not fair. Please respond immediately with removing and blocking this illegal accounts so i can successfully buy my home.
Product: Student loan

XX/XX/2007, I took out a private loan with XXXX XXXX in order to obtain my XXXX degree. At the time of this loan, I was mislead in the amount of penalties and interest rates that I would accrue. A loan that was initially for {$800.00} dollars, soon became a bill of nearly {$3600.00}. Despite the hardships my family endured, we were continually harassed. I worked with the company as well as I could, but most times they were n't even willing to talk to me. I eventually settled and paid the loan off through a collector for {$1500.00}. Only a few months later, I started to receive calls from another collector looking for repayment on the same loan. I called them and called the company I had previously paid. I 've sent letters to show my debt was already paid. Yet every few months ANOTHER creditor calls me attempting to obtain payment for the SAME debt. When I contacted XXXX XXXX to find out if they could fix the problem, I was informed that my loan had been transferred to Navient. Navient has " sold '' my student loan to multiple collectors. Despite the fact I have paid my debt ( XXXX XXXX ), I periodically will receive new collection calls for a loan that has been already paid. I find it ridiculous that I have to track down all the collectors my loan has been sent to in order for the calls and harassment to stop. The company I paid swears that they have informed Navient that my debt is settled and at least XXXX of the collectors told me ( XXXX ) told me they had RECENTLY obtained my debt from Navient. Despite it having been settled since XX/XX/XXXX. Surely there is something that can be done to end the calls. This is ridiculously. First I am misinformed on the amount I have to pay back, then I finally pay back the amount and continue to be harassed. Help!
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. There are items in my file that are misleading and must be removed or blocked for their erroneous status. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 


Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXXXXXX XXXX XXXX, SC XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX : {$20000.00} XXXX XXXX AUTO XXXX Balance : {$36000.00} XXXX XXXX Balance : {$850.00} XXXX XXXX XXXX Balance : {$330.00} XXXX XXXX XXXX Balance : {$3200.00} XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX XXXX XXXX ) XXXX Balance : {$1200.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint against TransUnion for their ongoing failure to maintain accurate and complete information on my credit report, as mandated by the Fair Credit Reporting Act ( FCRA ). Despite multiple attempts to dispute and correct erroneous information, TransUnion has persistently reported false, inaccurate, and misleading information on my credit file. I have provided TransUnion with the correct and accurate information that should be reflected on my credit report, including my name, date of birth, Social Security number, address, and phone number. Additionally, I have disputed specific accounts that are inaccurately reported on my credit report, yet TransUnion has failed to correct these errors or conduct a proper investigation as required by law.
Product: Debt collection

In XXXX of XXXX I received a debit collection letter ( copy attached ) from XXXX, XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$160.00}. 

On XX/XX/XXXX I sent them a letter ( copy attached and postmark envelope ) explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

In XXXX of XXXX, XXXX XXXX of XXXX, XXXX sent me memo ( copy attached ) the account has been closed and returned to our client. 

On XX/XX/XXXX I received a debit collection letter date XX/XX/XXXX ( copy attached ) from XXXX XXXX for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ) for {$220.00}. 

On XX/XX/XXXX I sent a letter ( copy attached and postmark envelope ) to XXXX XXXX at XXXX XXXX and to XXXX XXXX XXXX XXXX, explaining I do not owe this debit and have never received any medical services from XXXX XXXX XXXX XXXX. 

On XX/XX/XXXX I received two ( 2 ) Debit collection letters dated XX/XX/XXXX ( copies attached ) from Debit Recovery Solutions for Original Creditor, XXXX XXXX XXXX XXXX and current creditor ( XXXX XXXX XXXX XXXX XXXX XXXX ). The total balance due is {$250.00} with a total discount offer of {$180.00}. 

I have been trying to resolve this bogus debit for almost two ( 2 ) years and need your help to end this revolving door of collection agencies for a debit I DO NOT OWE.
Product: Credit card

On XX/XX/XXXX my son card was used for XXXX and it was not authorized by him or myself in the amount of {$23.00} I filed a fraud claim on XX/XX/XXXX for the amount but there was an attempt for XXXX in the amount of XXXX which was declined. A new card ordered on XX/XX/XXXX before the card had arrived and there was another attempt for XXXX in the amount of {$16.00} for XXXX 's on XX/XX/XXXX before the car was in my possession it was declined, but I received a fraud email asking if I recognize the charge and I did not. I had to file another fraud charge under the car was ordered on XX/XX/XXXX. I was told that I was receive a temporary credit for the {$23.00} on my card within XXXX business days, XX/XX/XXXX, made XXXX business days the credit was applied here it is XX/XX/XXXX. The credit was removed. Even though there was no new charges applied. I'm more concerned about how was my information leaked I was told that it could have been XXXX automatically updating the information and then giving the merchant the new information about the new cards XXXX denies that they have a data issue I was told I have to wait 90 days in order for them to complete their investigation i've contacted the merchant and I have been told that they have no information about a charge on that day XXXX XXXX that amount with the last XXXX of my card number
Product: Debt collection

Today XX/XX/XXXX i recieved a letter from Resurgent capital services. 
Same debt different comany and all in the name of LVNV Funding LLC. 
As in the last complaint from me filed on XX/XX/XXXX against company XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX with the CFPD File XXXX. 
And again after multiple request of complete validation or any proof that i owe this bogus debt not owned by me have bin ignored and never provided of any kind in the past, sent by me by certified mail ( have the proof ) Just another fraudulant company that cant provid any proof ever. 
iI want them to stop harrassing me about this bogus debt or provid the proof at ones. 
A verification is not a complete validation. 
Collecting in behave of LVNV funding with no proof ever provided of any kind and so with any other company ( its all in the files ) makes them a complete fraud and is illegal. 
More complaint will follow with the FTC, FDCPA and legal actions will be taken under state or federal laws if the dont stop collection effords immediately. 


My complaint is against company RESURGENT CAPITAL SERVICES. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX Account Number XXXX Original Creditor : XXXX XXXX XXXX ( XXXX ), XXXX . 
Current Owner : LVNV Funding LLC Refernce ID:XXXX Balance : {$1800.00} Last Payment Date XXXX
Product: Checking or savings account

about 4 years ago i had a capital one credit card dispute with a merchant. as a result of that, i asked them to close ALL bank and credit card accounts with them. they left account ending in XXXX  open! in a letter dated XX/XX/year>, capital one sent a notice saying that only now did they close the account. they didnt close all accounts 4 years ago!
Product: Student loan

On XXXX XXXX, 2017, I attempted to post an online payment at Nelnet 's website. Upon clicking the submit button, the site told me to wait ten minutes to submit my payment. This was different the the usual " working '' icon with the accompanying message warning not to hit the " Back '' button. I exited the program. There was no confirmation that any payment was posted. After 11 minutes submitted my payment again. This time the payment completed normally without error. On XXXX XXXX I discovered that XXXX payments were authorized. I contacted Nelnet and was told that it would take 6-8 weeks for a refund of one of the payments. This placed a hardship on my finances, as I was left with sufficient funds to make a full payment on a credit card, and thus had to incur interest charges. I believe the website may be confusing borrowers into authorizing more payments than they had intended and paying fees for insufficient funds. Nelnet should be investigated for their business practices.
Product: Mortgage

please send a copy of the homeowners insurance policy on file that commenced in XX/XX/2015 and supply the name of the employee providing the document
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. 


Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX 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 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 reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate This account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below. 
XXXX XXXX Balance : {$0.00}
Product: Debt collection

Diversified Consultants Inc. ( DCI ) pilfered my rights as a consumer as a result of not following the laws of FDCPA. DCI did not provide proper notification ( a dunning letter ) to allow me the right to dispute the validity of this supposed debt ( they claim I owe DCI ) before reporting this account to my credit report on XX/XX/XXXX ( according to my credit report review ). DCI has not provided proof that a dunning letter was sent and received before reporting this account on my credit report, despite my current and permanent address being accessible from my credit report. 

Upon my own request ( following a credit report review ) after my consumer rights have already been violated, I requested debt validation from DCI in XX/XX/XXXX. Diversified Consultants Inc. has not provided the proper documentation that illustrates I am financially obligated to pay Diversified Consultants Inc . I have attached the documentation that was provided to me that does n't have accurate information in regards to my personal information ( my residence during that time frame ). Furthermore, this documentation shows no financial obligation on my part to Diversified Consultants , Inc . This documentation has no evidence that ties me to this debt or DCI besides my printed name. The documentation they have provided is not adequate debt validation.
Product: Credit reporting or other personal consumer reports

I am submitting my third request to have fraudulent items to be removed again from my credit report. I have already sent in a previous CFPB report to showcase my claims being an identity theft victim. During that event, I noticed that included XXXX incorrect and erroneously added remarks for XXXXXXXX XXXX ( XXXX cards ) XXXX ( XXXX card ) and XXXX Auto account ; all to be removed from my XXXX, XXXX, and Experian accounts. 
This would also include any and all removal of inquires on these bureaus as well. 

This is a matter that was previously handled after sending in a full FTC report, Police Report, FTC Identity Theft Affidavit packet ( which was notarized ), my full-color copy of my license, social security card, and an official FTC statement along with a copy of 609B to properly explain my protection under the law for an obvious act of stolen identity for accounts I have no familiarity around. 

This was all completed in XXXXXXXX XXXX XXXX, and added back again in XXXX of XXXX, I called back into each bureau by phone to re-verify that they received these items along with my CFPB report. Each bureau confirmed and took their time well over the XXXX mandatory business days by law required to remove these remarks ( which ultimately worked again. However upon checking today [ XXXX XXXX, 2024 ] I have noticed that all these accounts were reinserted and should not have been after confirming that they were permanently removed by your group and the XXXX bureaus after checking my credit report. 


I am extremely shocked and appalled that this will continue to happen. I request that these be removed immediately and compensated for the consistent and egregious reinsertion of these items from each credit bureau. This is negatively affecting my ability to refinance my home as rates continue to drop and making me spend unnecessary money on force-pulling my credit reports every month.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been informed multiple times about incorrect information on my report, and refuses to remove it. Specifically due to Identity theft committed by my ex-wife, the XXXX XXXX XXXX account represented by XXXX XXXX XXXX in the ammount of {XXXX}. This account has been removed from all of my credit reports multiple times, but is put back on when Equifax attempts to sell me one of their monitoring products.
Product: Bank account or service

Chase Bank has notified us that any users of our on-line COMMERCIAL bank account is now required to provide their HOME PERSONAL address to use the company on line bank account. 

We try very diligently to separate the commercial and personal accounts and are not comfortable with a bank requiring personal information to use a commercial banking product. This is a breach of confidentiality to require personal information to access a business bank account. Below is the notice from Chase : '' As you may remember, on XXXX XXXX, 2014 we started requiring that all Chase XXXX users provide their legal first and last name and primary residential address. We 've been gathering this information from our current users in phases, and starting XXXX XXXX we 'll need this information from the users who have access to your accounts. 

We 'll prompt them to provide this information the first time they log in after XXXX XXXX and will require that they enter it before they can view or transact on the account. 

We need this information because our policy requires that we obtain and record certain identifying information about any individual that transacts on a Chase account. 

We also sent this information to your chase.com user ( s ). 

If you have questions, please visit a branch or call us XXXX XXXX XXXX XXXX. 

As always, thanks for choosing Chase. "