23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent a dispute out to XXXX, XXXX, and Transunion that are reporting information I never gave them or the alleged creditor to report on my credit report. According to 15 U.S. Code 1681b Permissible Purposes of Consumer Reports, as a consumer I gave them 45 days to show me any written instructions that allows them to report this information. They have never should me any written paper work. These reports of this information is not helpful to me and it is hurting my chances of moving on in life. I have submitted two complaints to CFPB. I am just asking for help because the Consumer reporting agency 's and the creditor is taking advantage of my consumer report. As the original creditor of this account I would like it removed from my report immediately.
Product: Credit card or prepaid card

I received a letter from Barclays Bank stating they needed more information for a Master Credit card that I did not request and was a fraudulent ID theft using my personal information. I called a number of times in order to confirm by letter that the fraudulent account was not mine and that I would not be liable for the account and that it should be removed from my credit report. I have called countless times and wrote two letters to resolve this issue and I am still waiting for their response to this issue from XXXX XXXX, 2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed information for the months of XX/XX/2022, XX/XX/2022, and XX/XX/2022 missing for my XXXX  account. I make monthly payments but for some reason there was no information for those months. I filed a dispute and included attachments of my statements with XXXX XXXX XXXX XXXX showing my payment history for those specific months. Nothing was changed and they just said " all the information is accurate ''. I also submitted a XXXX  complaint against XXXX XXXX XXXX XXXX in which they responded on XX/XX/2022 that they sent a request out to the credit Bureaus to update their information. On XX/XX/XXXX I receive a response from XXXX from my second dispute that again says all the information is accurate. No investigation was made and no attempt was made to read my statements for those months.
Product: Checking or savings account

Made a {$20.00} gas purchase inside store. My account was charged {$120.00} my receipt said {$20.00} I contacted the store and was told by the merchant that was not his problem! I was unable to buy my daughter an XXXX dress and unable to purchase groceries. I did not pay at the pump. So why are they holding my money. It's been 4 days. They are still holding my money. The bank said the money was scheduled to be released yesterday but has not as of today 's date. I posted it in my neighborhood app only to find out that this is normal practice. I understand that a hold is necessary when you pay at the pump as was not the case. Please STOP these Gas stations from hurting ppl with financial hardships in my Communities all access this Country!
Product: Debt collection

I tired to formally dispute the inaccurate and unauthorized reporting of LVNV Funding LLC on my credit report. I have reviewed my credit report and discovered that this entity is reporting an account that I have no knowledge of, nor have I ever entered into any agreement, contract, or authorization for this company to report information to any credit reporting agency. 
To the best of my knowledge, I have never had an account, credit agreement, or any relationship with LVNV Funding LLC. Furthermore, I did not provide any permission or authorization for LVNV Funding LLC to access my personal credit history or report any information related to me to any of the three major credit bureaus ( XXXX, XXXX, and XXXX ). 
This unauthorized reporting is a violation of my rights under several key federal, state, and city laws, as well as established accounting and reporting standards. Specifically, I believe this violation falls under the following : 1. Fair Credit Reporting Act ( FCRA ) Under the FCRA, I am entitled to dispute any inaccurate or incomplete information reported on my credit file. LVNV Funding LLC has reported inaccurate information without my consent, violating Section 1681s-2 of the FCRA, which requires that only accurate information is reported.

2. Fair Debt Collection Practices Act ( FDCPA ) The FDCPA prohibits debt collectors from reporting false or misleading information to credit bureaus. Since I have no relationship with LVNV Funding LLC, their reporting constitutes an illegal act under this federal statute. 
3. New York State General Business Law New York State law ( Section 349 of the General Business Law ) prohibits deceptive business practices, including the reporting of inaccurate or unauthorized information to credit bureaus. LVNV Funding LLC 's actions are a clear violation of this statute. 
4. New York City Consumer Protection Laws New York Citys Consumer Protection Law also provides consumer protections against deceptive trade practices, including false credit reporting. This law mandates that companies must report only accurate and authorized information. 
5. GAAP ( Generally Accepted Accounting Principles ) Under GAAP, any reporting by third parties must be accurate, truthful, and substantiated by verifiable contracts and agreements. LVNV Funding LLC can not substantiate any claim that I have any contractual or financial obligation to them, making their reporting a clear violation of GAAP standards. 
6. IRS Guidelines The IRS guidelines for reporting of financial information also stress that no entity may report inaccurate information without the appropriate documentation. Since there is no substantiated contract or agreement, any such reporting by LVNV Funding LLC is a violation of these federal guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : 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 XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX XXXXXXXX has violated my rights.

15 U.S.C 1681 section 602A states, I have the rights to privacy.

15 U.S.C 1681 section 604a also states a consumer reporting agency can not furnish a account without my written instruction.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is violating laws, I have submitted several complaints and disputes and I dont believe that theres been actual investigations on these accounts as they still reporting inaccurate and Transunion has failed to furnish any documentation that prove they are reported correctly. I have submitted factual data disputes with inaccurate balances, date last active, high credit, and etc. On XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX I submitted disputes and Transunion stated the accounts in question are 100 % accurate which is false, as I have submitted my credit reports with the highlighted inaccurate and inconsistent information and they are still not removed. These inaccurate accounts are causing XXXX XXXX  to my life, because Transunion keeps telling me that Im wrong when Im sending the bureau info taken directly from my credit report! This is what Transunion is reporting and Im pointing out the errors and inconsistencies, so how am I wrong when its what you are showing to me. These errors on are making it hard for me to obtain new credit and Transunion is reporting inaccurate accounts and keeping them on my account is violating the FCRA and FTC laws. I have attached my credit report with the highlighted inaccurate accounts with errors on my credit report. I demand these inaccurate accounts be Deleted Immediately
Product: Credit reporting or other personal consumer reports

I sent the 3 credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items 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 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 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/year>
Product: Credit reporting

I bankruptcy was dismissed in XXXX 2010. Would like for this to be removed from my Credit Report. I have been trying to rebuild my credit for the last XXXX years and this is impacting my Credit Score.
Product: Checking or savings account

US Bank has been in the process of closing my checking account. On XX/XX/2024 they locked my account. I called the next day on XX/XX/XXXX to understand why I can not log into the bank app. It has been 2 months and have not received a lot of information. They have not told me when they'll send my money. It is {$8300.00}.
Product: Credit reporting or other personal consumer reports

4 student loans on my credit report labeled MOHELA/XXXX  that are fraudulent. I did not open them.
Product: Credit reporting or other personal consumer reports

I've contacted the credit bureaus about this inaccurate data within my credit reports. I can not list everything on this FTC report but the accounts I do not recognize are continued here. 
XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX Balance : {$15000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$4600.00} XXXX XXXX XXXX XXXX Balance : {$5400.00} XXXX XXXX ( Original Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2300.00}
Product: Mortgage

We tried to refinance our HELOC with Wells Fargo, but were told we didnt make enough money. Our income didnt change between the time we were approved by them and the time we want we to refinance. This was a major reason why we ended up in foreclosure and lost our home in 2010.
Product: Consumer Loan

I had a credit card with Capital one years ago ; most of 15 years ago ; instead of them writing it off they sent to collections ; this should be illegal
Product: Credit card

The company refused my request and refused to reduce the interest rate because of credit. However, if records are checked, I am always making my payments on time not only with the credit union, but with my other charge account, I will never be able to reduce my payments if the interest rate continues to rise what can be done to help a consumer survive in this economy with companies gouging money that is being paid on accounts. Surley there is something that can be done. Thanks. The company I am referring to is Navy Federal Credit Company. My account number is : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX Account Number XXXX Account Name XXXX XXXX Account Number XXXX Account Name XXXX XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXX XXXX  Account Number XXXX Account Name XXXX XXXXXXXX XXXX XXXXXXXX Account Number XXXX Account Name XXXXXXXX XXXX XXXXXXXX XXXX Account XXXX XXXX Account Name XXXXXXXX XXXX XXXX XXXX Account XXXX XXXX Account Name XXXX XXXX Account Number XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Vehicle loan or lease

On XX/XX/XXXX, I did make a phone call to Lexus financial to check the detail of my payoff amount. Their representative can't answer me clearly and also say something else to blur the detail. Once he transferred me to the resolution team, they are not able to explain the detail either but will email me the detail. 
Later, I received the explanation email that still doesn't come with detail or the equation on how the final number comes out. The explanation letter just told me the principle of how the number they calculated. 
In total my payment together, I have paid more than XXXX than the XXXX OTD number. 
And under the current lease term, I have been charged the full amount of XXXX term 's lease tax, and I have only fulfilled XXXX months, I am also looking for these tax refunded back to us too.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I XXXX XXXX filed a legal complaint/dispute with Equifax advising I am a victim of identity theft Equifax failed to protect my consumer rights and remove the fraudulent information /account Equifax by law violated the FCRA 605b by not removing the fraudulent account within 4 buisness days instead they have caused me emotional distress as of XX/XX/XXXX my Attorney and I have I have filed a civil dispute against Equifax seeking monetarily damages for violating my consumer rights and failing to protect my consumer rights
Product: Credit reporting or other personal consumer reports

You replied that the alleged transactions that you identified as late are verified. The following accounts are : XX/XX/XXXXXXXX : Account # XXXX You have no proof that this alleged transaction was late. 15 U.S. Code 1666b -Timing of payments ( a ) Time to make payments. A creditor may 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. In order for any creditor to treat a payment as late you must prove that : 1 ) The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the statement date. 2 ) 15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumer! You have 10 days to send me all the required information. Your reply to my dispute is Verified, have you verified what the requirements are for a creditor to treat a payment as late? The fact that you verified the information means that you are in possession of the information that was sent or mailed 21 Days before the statement date, and you are in possession of a copy of all information from 15 USC 1637 ( b ) and the Certified mail tracking number that proved the delivery of said information for you to verify this item as late! I am requesting a copy of the information pursuant to 15 USC 1637 ( b ) and the tracking number that was used to prove delivery of said information to me the consumer 21 days before my statement date regarding this account. 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ) Treatment of Inaccurate or Unverifiable Information. ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account opened in the year   XXXX   by an unknown person. This is fraud and was opened by someone who applied for this credit and maintained the balance while using the account. I have attached a letter directly from the legal department of the company to confirm that they said they checked the signatures on the account compared to my driver license and they do not match. Therefore confirming that this was fraud. I am requesting removal of this item.
Product: Credit reporting or other personal consumer reports

I am writing in response to a credit report that I recently received, which suggests that I owe you some amount. However, I have not received any documentation or proof substantiating your claims, and I demand that you dismiss all such claims and remove any injurious reporting ( s ) against me. If the reported item ( s ) are potentially deficient in the mandatory document evidence of physically verified factual proof of the truth of claim, truth of reporting, accuracy of claim, correctness of reporting, completeness of claim, fullness of reporting, timeliness of claim, timeliness of reporting, ownership or responsibility elsewise of claim, ownership or responsibility elsewise of the reporting, and/or the complete and perfect certified Metro 2 format reporting standards, I demand that you display to me your lawful authority to forcibly conduct business with any contesting consumer. 

I want to make it clear that you have no right to act in dereliction, as you hold me under threat of financial and/or creditworthiness injury ( ies ). I demand that if you are unwilling or unable to comply with my request, as demanded, and as otherwise mandatory to retain or regain compliance of reporting no later than 20 days from your receipt of this lawful notice of consumer complaint, you immediately and forevermore thereafter cease any and all derogatory and/or injurious actions against me, including but not limited to the foul actions to report and/or collect unverified, untrue, invalid, or elsewise not certifiably compliant claim ( s ) and/or debt ( s ). 

I want to remind you that absent legal authority or a written agreement between us, you can not force me to conduct any business interaction ( s ) with you, and I will not do so. If you elect still to injure me, even to the slightest, it would undoubtedly be a show of merciless harassment or even willful extortion, which is a criminal offense in my state of residence. Any such behavior will directly or indirectly lead me to act accordingly, so please rectify your chicanery-laden subterfuge as alleged on my current consumer credit profile history by eradication and/or removal from reporting the delinquently reported item ( s ) of : Please acknowledge receipt of this letter and inform me of your actions regarding the removal of the delinquently reported item ( s ) within 20 days of your receipt of this notice. 

Listed below are the Collections that are being challenged XXXX - XXXX
Product: Credit reporting or other personal consumer reports

This loan was part of the XXXXXXXX XXXX XXXXXXXX XXXX  discharge. This was a XXXX loan that was completely XXXX due to the XXXX XXXX XXXX XXXX XXXX. Standard Repayment Current Balance {$12000.00} Outstanding Principal : {$6700.00} Unpaid Accrued Interest through XX/XX/year> : {$5700.00}
Product: Debt collection

This corporation violated my rights when trying to collect a debt that was not mine, let alone threatened me while doing so. Please see attached documents, J Ritter received the original notarized copy
Product: Credit reporting, credit repair services, or other personal consumer reports

* The file has surpassed the statutes of limitation that have been placed into law concerning the FCRA. 
* XXXX.Child support is deemed as a collection agency that is also govern by the FDCPA. 
* The children that are connected to this child support case is above age. 
* XXXX.Child support violates the FCRA, and FDCPA therefore is deemed unconstitutional. 
* XXXX Child support is a closed acct not active case.
Product: Vehicle loan or lease

I have a loan through XXXX XXXX on a vehicle. Ive had it for 3 years with only 11 payments remaining. My payment Is due on the XXXX each month and this month I had to wait till the XXXX to pay. XXXX, a gentlemen at the company called my work 7 times yesterday. I was busy when he called but he was giving out information about my account to other employees and even threatened to send someone to my job if they did not have me call back. The collection tactics with this company are unreasonable and completely illegal. I am also speaking with an attorney about rights that were violated by the comments made to employees at my job. I will be pursuing a lawsuit within the next 2 weeks. With the written statements I have from work and clear violations this company has made, theres more than enough to put them back in their place
Product: Checking or savings account

I am trying to withdraw my USD funds from Gemini but three days ago I received a notification stating XXXX XXXX on XXXX from XXXX XXXX, California, United States was detected. As a precaution, we have XXXX digital asset withdrawals from this device. My current withdraw is now pending and I have emailed Gemini support to hopes of receiving helps and to re-enable account, but have had no support or email back. They also have no support number to directly get in touch with someone making it very difficult to get support. Then one hour ago from XXXX XXXX pacific time XX/XX/22 I received a message stating Unfortunately, this account is currently frozen and unable to transfer funds or trade on Gemini. Once again I have emailed the company with zero support received so far. My withdraw of nearly XXXX USD is still pending and I have not received any help on opening the account back up. I received no email as to why the account was frozen and no help so far on opening it back up. The lack of customer service is extremely disheartening.
Product: Debt or credit management

On XX/XX/year> I was charged a XXXXXXXX XXXX  membership fee from the bright app. I do not use the bright app. I asked them to send a refund on the same day and every day since then but they are just giving me the runaround. They said it was sent, now they say they can't send it. I was provided a tracking id for the return but it is useless. I contacted my bank and they said there is no record of a return
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an Adverse Account on Credit report file # XXXX by XXXX XXXX XXXX ( XXXX ). 
My Loan was to be paid by XXXX XXXX, XXXX XXXX XXXX, XXXX Co XXXX.who never changed the mortgage holder after they were notified XX/XX/XXXX from XXXX XXXX to XXXX. My mortgage payments were made from my XXXX XXXX checking automatically bi weekly to XXXX XXXX. I have copies of bank statements verifying these payments. XXXX XXXX continued to pay XXXX XXXX in error by their own statements and had written to XXXX of their error and that it would be resolved. I was worried about my credit report because even though XXXX was notified of the error and said I would not be reported as late, they reported me to Transunion as delinquent from XX/XX/XXXX to XX/XX/XXXX. As it turned my perfect credit was marred by this error, of which was not my failure to pay, but XXXX error and it was compounded by XXXX 's failure to cooperate with all my requests and correspondance from XXXX XXXX. They were keep in the loop during the entire 7 month period by voice, email and fax by myself and XXXX XXXX who had taken full responsibility.