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

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : 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/XXXX
Product: Debt collection

I received an alert by Experian notice of collection by XXXX XXXX XXXX for {$150.00} aka, XXXX XXXX XXXX I don't know who they are but someone has impersonated me. Apparently this Company is in XXXX Ca. I tried calling them at phone listed on my report XXXX goes straight to a unlisted number. 
I have never contacted this or any Company for service they have the wrong person so I want to report them to you, Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I worked for XXXX XXXX and my personal information was apart of the government breach and credits cards were opened in my name from that security breach. My credit report has numerous charge-off due to bad debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called your department after I purchased a credit report with XXXX XXXX on XX/XX/2023. After receiving a copy of my report, I saw some UNVERIFIABLE information that on my personal profile, I noticed that there were negative accounts on my credit report. This is disappointing because I have been paying XXXX XXXX to get a report every month and I have been disputing fraud accounts on my credit report all this, as well as this incorrect information on my personal profile but still youre not taking any actions. I have never with these accounts listed below, so please help me remove these negative, including this incorrect information from my personal profile. A copy of my XXXX XXXX, drivers License, and my Social Security XXXX are all included in this written request. Please help me resolve this issue as soon as possible. 

FIRST XXXX BANK XXXX, FIRST XXXX BANK XXXX, XXXX XXXX XXXX BANK XXXX, XXXX XXXX XXXX, XXXX BANK XXXX XXXX and XXXX BANK OF XXXX XXXX
Product: Debt collection

I am filing a formal complaint against LVNV Funding LLC and XXXX due to their unfair and unlawful debt collection and reporting practices regarding an account that appears on all three of my credit reports ( XXXX, XXXX, and XXXX ). 

Issues : XXXX. Failure to Validate the Debt ( FDCPA Violation 15 U.S.C. 1692g ( b ) ) LVNV Funding LLC and XXXX have failed to provide proper debt validation despite repeated requests. 
I never signed any agreement with LVNV Funding LLC or XXXX  and request a signed contract proving my obligation to pay. 
2. Inaccurate and Inconsistent Credit Reporting ( FCRA Violation 15 U.S.C. 1681s-2 ) LVNV Funding LLC is reporting different balances and monthly amounts across the three major credit bureaus.

The information is misleading and inaccurate, violating the FCRAs requirement for furnishers to report accurate data. 
XXXX. Unlawful Communication and Harassment ( FDCPA Violation 15 U.S.C. 1692c ) XXXX has been contacting me via text and email at all hours, including early mornings and late at night, violating FDCPA 806 ( 15 U.S.C. 1692c ( a ) ), which restricts communication before 8 a.m. or after 9 p.m.

I have requested that they stop contacting me, yet they continue to send unsolicited messages.

4. No Permissible Purpose for Credit Reporting ( FCRA Violation 15 U.S.C. 1681b ) LVNV Funding LLC has reported this debt without my consent, and I demand proof of a permissible purpose under FCRA 604 ( a ).

5. Debt Was Previously Written Off Request for 1099-C If this debt was previously charged off by the original creditor, LVNV Funding LLC must provide a 1099-C cancellation of debt form showing it was legally written off.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fraud someone had opened up an account in my name XXXX XXXX # XXXX. I never had a account with the following companies XXXX XXXX FKA XXXX # XXXX. Please delete this from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a id theft victim of equifax data breach on about XX/XX/2017 and my social security, date of birth and name been compromised without consent.
Product: Money transfer, virtual currency, or money service

I use an APP called cash app to receive money and send money to friends. 
I recently received XXXX $ that XXXX $ was directly removed from my account in multiple transactions that were unauthorized by me. I disputed the charges & cash app refunded me XXXX $ of that money but is denying to refund the rest of my money. I have prove of these fraudulent transactions and the disputes requested. Cash app has took the extra step to cancel my account instead of solving my problem.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX, and I am a victim of identity theft and a data breach. I am writing to request the removal of a charge-off from my credit report. While this account was removed from collections, it still appears as a charge-off, which I believe is a result of the fraudulent activity that occurred. 

Due to the identity theft, I should not be held responsible for the debt associated with this account. The fraudulent nature of the charges has caused significant damage to my credit, and I am requesting that the charge-off be removed from my report entirely. 

I have taken all necessary steps to report the fraud, including notifying the appropriate authorities and placing fraud alerts with the credit bureaus. Given that this account does not reflect my legitimate financial activity, I ask that it be permanently deleted from my credit report to accurately represent my credit history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had my credit pulled this month and I recently found out I am a victim of fraud. I have a few issues going on concerning the accuracy of my name and addresses. 
My name is spelled XXXX XXXX XXXX my DOB XXXX my SS # XXXX please remove any other spelling of my name. 
The following addresses are not mine please delete/remove : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX Please delete the following numbers they are not mine:XXXX  ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX I have some unverified accounts that do not belong to me please delete : XXXX XXXX # XXXX, XXXX XXXX # XXXX, Please delete this account account it is fraudulent I do not owe XXXX XXXX XXXX # XXXX
Product: Mortgage

Below is my statement ; however, a short summary is that I was promised a Mortgage Credit Certificate, paid the application fee, have an email from XXXX XXXX saying she had applied for the MCC and it was good to go, and ultimately XXXX XXXX forgot to process the MCC. This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. 

Toward the end of XXXX, I contacted XXXX and XXXX XXXX, with XXXX  Equity Resources, regarding a potential USDA loan with a Mortgage Credit Certificate ( MCC ) for the state of North Carolina. XXXX had stated that they are extremely familiar with both products. We discussed both products in detail and I decided to move forward with securing a loan through XXXX Equity Resources. 

On XX/XX/XXXX, XXXX XXXX contacted me via email stating that she had applied for the MCC. She then called to state that I would be receiving revised disclosures to reflect the {$470.00} MCC application fee. Every disclosure from XX/XX/XXXX onward included the MCC Fee. 

On XX/XX/XXXX, XXXX contacted me regarding difficulty obtaining an appraiser who could provide an appraisal before XXXX. Even though my closing date was for XX/XX/XXXX, I agreed to an increased rushed appraisal fee to receive the appraisal before XXXX. 

After not hearing from XXXX or XXXX, I reached out on XX/XX/XXXX to inquire about the appraisal. On XX/XX/XXXX, exactly three weeks before the scheduled closing date, XXXX informed me that the appraisal was never completed. XXXX stated : " I sincerely suggest that you talk to another Lender. XXXX is on a 2 day turn time so you should have no problem closing on time. You are fully approved with us, and Im glad to forward your documents. '' I did not find this acceptable, so myself and my realtor were able to find an appraiser to complete the task. 

Due to the appraisal being delayed by over a month, the closing was delayed by less than a week. Closing was changed from XX/XX/XXXX to XX/XX/XXXX, not even a week past the original date. 

A few hours following the closing, I emailed XXXX to inquire about the MCC paperwork and the logistics of that process. XXXX then told me that she had forgotten the MCC due to the change in closing, but she could refund the {$470.00} MCC Fee. 

This mistake will costs me tens of thousands in tax credits. I have tried to negotiate with XXXX, XXXX, and XXXX XXXX to no avail. I was never informed that the MCC was not included. I was deceived and misled with the loan and the lack of the MCC greatly alters the financial aspects of this loan. XXXX Equity is an approved lender for MCC through the XXXX. The only reason I worked with this company was due to the MCXXXX. 

I look forward to your help,
Product: Checking or savings account

My account has been locked from the web site and app for about 30 + days. I have made repeated called to Marcus Goldman Sachs and they are unable to update my creditials on their end. They ( Marcus Goldman ( Sachs ) are able to verify me over the phone however I to be able to access account via app and web site. I have been transferred several times. I initially contacted the bank 4 weeks ago and no resolution.
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : Huge variations on the late payments between all the 3 major credit reporting agencies. 

XX/XX/2017 XX/XX/2017 XX/XX/2017 XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Checking or savings account

On XX/XX/2019 charge two time {$34.00} dollars.for insufficient funds fee .. 
Another one on XX/XX/2019 charge three times $ XXXXdollars ...
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

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
Product: Credit reporting or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX # XXXX, # XXXX, # 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: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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/XXXX
Product: Credit card

I filed a claim for extended warranty that met all criteria and provided all necessary documentation originally on XX/XX/2024 to a XXXX  XXXX XXXX  backed Capital One QuickSilver card. The insurance company XXXX has made numerous false claims as to why the item is not covered under the warranty terms. I have disputed these claims. They stopped responding on XX/XX/XXXX and wont provide me with the ability to arbitrate the dispute per their policies.
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 : XXXXXXXX XXXX XXXX Account NumberXXXX  Account Name : XXXX XXXX  Account NumberXXXXXXXX Account Name : XXXX  Account Number:XXXX Account Name : XXXX Account NumbeXXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXX  Account Name : XXXX XXXX XXXX XXXX Account Name : XXXX XXXX XXXXXXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some inquiries in my Equifax and XXXX credit report that i am not recognisingi have called them several times but no one is helping me.. and my inquiries are from XXXX XXXX XXXXXXXX XXXX XXXX Bank ) XX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX 
( Bank ) XXXX XXXX XXXX ( Finance ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX XXXX ( Bank ) XXXX XXXX XXXX ( Bank ) XX/XX/2021 XX/XX/2021 XXXX XXXX XXXX ( Finance ) XX/XX/2021 XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/20XXXX XXXX Equifax
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion I found more FCRA Violations On your behalf!! 
XXXX ACCOUNT XXXX XXXX ACCOUNTS XXXX BOTH ACCOUNTS ARE CLOSED ACCOUNTS THEY BOTH ARE REPORTING MONTHLY PAYMENTS HOW IS THIS SO???? PER FCRA THIS IS A VIOLATIONS AND BOTH ACCOUNTS NEEDS TO BE DELETED YOU CLAIMED THIS ACCOUNT HAS BEEN UPDATED / VERIFIED THESE ACCOUNT ENOUGH IS ENOUGH YOU NEED TO DELETE THESE ACCOUNTS ASAP XXXX XXXX SHOWING {$220.00} A MONTH XXXX SHOWING {$150.00} A MONTH IN CASE THE FILE IS NOT CLEAR BUT XXXX YOU REPORTING THE VIOLATION YOU CAN SEE IT
Product: Credit reporting, credit repair services, or other personal consumer reports

i have costanly told experian XXXX and transunion that the inquirys that have no connection or that or not linked to an account should be taking off my report i didnt do it im having fraude going on because of the breach that happen with XXXX my info has been found over XXXX times and i dont know how to stop this
Product: Credit reporting, credit repair services, or other personal consumer reports

When I checked my credit record, I just discovered a billing problem. Under U.S. Code 1666 ( b ), billing errors include any computation errors or other accounting errors on a statement, as well as the creditor 's failure to appropriately reflect a statement, a payment made by the debtor, or a credit line extended to the debtor. There shouldn't be any late payments on this account because, as far as I'm aware, the creditor did not send me a statement 21 days earlier. These are unquestionably billing concerns, and I demand to see specific bank account documentation showing that I failed to pay and was subsequently labelled past due. Below is a list of the disputed accounts. 
XXXX XXXX Balance Owed : {$3500.00}
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible in accordance with the Fair Credit Reporting Act and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a copy of the letter I sent to " CoreLogic Credco '' CoreLogic Credco XXXX XXXX XXXX XXXX XXXX, CA XXXX To whom it may concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. 

XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, Montana XXXX Previous Home Address XXXX XXXX XXXX  XXXX, Vermont XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, XXXX XXXX XXXX " CoreLogic Credco '' never responded or complied with my request. I will send them the letter again via certified mail.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION AND XXXX XXXX FAILED TO REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT. XXXX XXXX IS STILL REPORTING FALSE AND FRAUDULENT INFORMATION AND TRANSUNION IS ALLOWING IT. DESPITE ALL PROOF PROVIDED THEY ARE NOT PERFORMING A COMPLETE INDEPENDENT INVESTIGATION AS THEY ARE REQUIRED BY LAW. I DEMAND A REMOVAL OF THE XXXX XXXX ACCOUNT AS THE COMPANY KEEPS REPORTING THIS ACCOUNT ON MY CREDIT FRAUDULENTLY AND TRANSUNION IS ALLOWING THIS FRAUDULENT REPORTING TO CONTINUE. 

The FCRA requires a credit reporting agency to go beyond its original sources of credit information when reinvestigating inaccuracies in a credit report after the consumer informs the agency of those inaccuracies. Based on that, a generic, electronic investigation is not satisfactory when looking at my case specifically. 

ALSO STOP REPORTING 4 AND 5 CHARGE OFFS WHEN THE ACCOUNT CAN ONLY BE CHARGED OFF ONE TIME!!!! REMOVE ALL INNACURATE INFORMATION FROM MY CREDIT REPORT
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft please remove this XXXX inquiry from my credit report.
Product: Checking or savings account

I would like a full investigation on what is happening with my funds. I want access to my funds immediately and any fees added due to this issue - refunded. I would like the CFPB to also provide their investigation and any fines that capital one would be responsible for.
Product: Money transfer, virtual currency, or money service

I have been with Venmo for a few years, over a year ago I started receiving phone calls from Venmo, fraudulent activity noted on your account, press 1 if this was not you! If you did not answer the first call it would immediately call again, and again! When you answered and responded 1 they would send a text to press 1 and then insert these 5 numbers. For over a year I ignored these calls! On XX/XX/XXXX, I finally answered and some XXXX guy asked if I had sent {$440.00} to XXXX. I said I didnt do anything. The guy then said I need to transfer funds back to my bank account and I told him no! Im not doing anything and the next think I know my Venmo account is closed and funds from my Venmo have been transferred XXXX XXXX! Help please
Product: Vehicle loan or lease

I paid off My XXXX XXXX XXXX last with regional acceptance corporation. So my account should said paid in full not repo
Product: Debt collection

I took my vehicle into XXXX XXXX XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX XXXX, MI XXXX ) in XXXX of 2020. To have repairs done to my vehicle after a fender bender I was the victim of. Their staff was very friendly and helpful, even completed the repairs ahead of schedule. When it came time to go pick up my vehicle, I remember stressing to make sure I had the funds to pay my deductible ( {$500.00} XXXX. When I was there to claim my vehicle, I had my debit card in hand and set it on the counter to sign some paperwork acknowledging repairs had been done to my vehicle. I remember then picking up my card and offering it to the gentleman who told me " oh, don't worry about it, no charge ''. I thought wow, what an awesome ending to a XXXX situation. I remember I even grabbed the paper work I signed and took it with me on my way out the door, the gentleman ran out to my car and asked for it back, I apologized for taking it, and that was it. 

Towards the of XXXX of 2020 my car was damaged overnight, and I took it into the shop in XXXX. Again, was having a pleasant experience until when it came time to collect my vehicle. Again I had money ready to pay the deductible XXXX {$500.00} XXXX and that is when they reminded me of a debt I still owed from my first visit with them in XXXX. I explained that what the gentleman had said and they he verbally stated I didn't owe them anything for that visit. They said even though a mistake was made on their end, I still owed them XXXX $ XXXX XXXX. I paid the deductible owed for my XXXX visit XXXX {$500.00} XXXX. Now I have a debt collection agency ( Aargon Collection Agency XXXX calling me for that unpaid debt with XXXX XXXX  from XXXX. 

I have never had " good '' credit, but lately more than ever I have been successfully exercising a strong focus on improving my credit and paying off old debts. This comes to me almost out of nowhere and I feel is extremely unfair. Every company I have ever worked for, if a mistake was made on our part we made it right with the client. It does NOT seem like that was the case here. 


I have included an attachment from XXXX XXXX showing an Estimate Breakdown. This displayed the cost of everything and where those costs were going. It says I owed {$0.00}. Confusing right?