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

TransUnion did not provide copies of the information i was requesting. All they did was provide me with a credit report. They didnt confirm the information with the creditor they Placed blame on because they cant confirm info. Perfect example is they didnt do is stated. TransUnion stated i have a bankruptcy on my reports that they received from XXXX to confirm. This is not true. I have attached evidence that bankruptcy should not be on my file. All accounts should be removed if it has bankruptcy in notes because this is inaccurate. This needs to be removed immediately. A class action lawsuit is going to be filed if they do not start correcting these mistakes. I want any accounts that say i have a bankruptcy removed because this is inaccurate
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed an error on one of my auto loan accounts with Experian twice and provided supporting documentation. The status of the account ended up being worse than the initial report and they said it was based on information provided by the creditor. The creditor has verified that have not provided any 60 day late information to the credit bureaus. Experian is disingenuous about the dispute process and refuses to correct the inaccurate information after several attempts.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint regarding a collection account labeled XXXX XXXX XXXX XXXX that has been inaccurately reported on my credit report. The presence of this unverified collection is causing severe harm to my credit score and is taking a considerable toll on my overall well-being, leading to significant stress and anxiety. To the best of my knowledge, the creditor responsible for this collection account has failed to provide proper verification of its legitimacy and accuracy. This lack of verification has led to an erroneous credit report entry that is negatively affecting my financial standing. The unjustly reported collection account has resulted in a substantial and undeserved negative impact on my credit score. Additionally, the stress and anxiety that have arisen from this situation are affecting my overall quality of life. I firmly believe in the importance of accurate credit reporting and the duty of creditors to verify the legitimacy of their claims before reporting them.
Product: Debt collection

On XX/XX/15 while reviewing my credit report I Noticed 3 accounts of Alleged debt by LVNV Funding LLC .I have no Knowledge of this and have never done business with this company.Ihave previous requested that LVNV show validation of these alleged debt between us.

The 5 standards set by 15 USC 1692 ( a ) and1692 ( b ) have not been meet .I am demanding u cease from all form communication with me through any and all mediums persuant to15 USC 16929 ( c )
Product: Student loan

I was given higher interest rates due to my marital status and the company 's unwillingness to consider household income ( they only consider my " individual '' income which is discrimination considering that my spouse and I are ONE household and we make ONE income ). Marital status is protected under the ECOA. 

They are refusing to reverse the credit pull they performed under fraudulent advertising and have no proof I authorized this. They also did not use my correct salutation when addressing me which is also quite offensive.
Product: Payday loan, title loan, or personal loan

Never applied for loan I was cyberly hacked where I ended up leaving one bank for another. I told this company not to harass me, and they continue to do so through email, and regular mail as you can tell this has been over XXXX years. They threatened me with warrants, jail, and other form of intimidations. I responded very brutally with all kinds of XXXX  words, and innuendos. I want these types of people to stop emailing me nor are they going to get any money from me I do not owe nor have I dealt with these people cause someone is obviously using my information.
Product: Vehicle loan or lease

I was part of a class action lawsuit with Wells Fargo and I am entitled to a refund as part of the lawsuit.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX LAST SS # XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXX which both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : This account was closed on XX/XX/XXXX XXXX   XXXX XXXX Last reported XX/XX/XXXX {$11000.00} Reported balance Highest balance {$20000.00} You've paid off 42 % of this loan OVERVIEW Highest balance {$20000.00} Monthly payment {$0.00} OpenedXX/XX/XXXX ( 4 yrs, 10 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$1400.00} Open balance XXXX XXXX   XXXX Original creditor XXXX OpenedXX/XX/XXXX ( 2 mos ) Account statusOpen XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$500.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$500.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 3 mos ) XXXX XXXX XXXX Last reported XX/XX/XXXX {$0.00} Reported balance Credit limit {$750.00} You're using 0 % of your account 's limit OVERVIEW Credit limit {$750.00} Minimum monthly payment -- OpenedXX/XX/XXXX ( 4 yrs, 7 mos )
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX of XXXX  there has been a mass vendetta of coercion, intimidation defamation and unlawful, willful, and negligent with intentional through updating, modifying and keeping " assumed consumer 's personal & private reports in question. '' These attacks are considered to be in violations of the FDCPA, FCRA The DODD-FRANK ACT & the CFPB. from Unknown Collectors violating consumer Rights and protections, to the Credit Report Bureaus are allowing the " Criminal Identity Theft, '' with impunity to maintain authority power over the masses " Under Color of Law. '' 15 U.S Code A3 15 U.S. CODE1681I [ 1.A ] - IF ANY ACCOUNT IS UNDER FEDERAL LAW THE ACCOUNT HAVE TO BE REMOVED WHILE UNDER INVESTIGATION. ALL PARTIES VIOLATED FEDERAL LAW! AND NONE OF THE VIOLATORS WERE TOLD TO REMOVE THEMSELVES FROM THE ACCOUNTS! There are derogatory violations going on and the according to 15 USC code 1681A4 the credit bureaus are violating individual privacy without consumers consent. Equifax and XXXX are both digging up old addresses all erroneous irrelevant inaccurate information to tie collectors to the accounts that should have been deleted long ago they were reinserted in the early XXXX XXXX XXXX without notification or consent of the assumed customer or consumer with this they have also violated CFPB and 15 USC 1681 codes a proper validation and F BC PA laws of threatening and harassing the assumed consumer continue till this day also a violation update fair debt collectors protection act bay have under criminal identity theft allowed make allowed a consumer 2 do harassment violating fair debt collection practices act buy searching for information violating the consumers they assume consumers protections and privacies and taking XXXX points of credit off of the " assumed consumer 's official credit reports score which is a violation by harassment oppression involuntary servitude and impunity of oppression of a XXXX federally protected entity. I implore the CFPB to review the information that within these files and take action on my behalf. It hope that the CFPB will review this information downloaded here and find what I have found to be worthy of your intervention weakened and as a consumer, have too much time arguing to those of deaf ears of people in powerful positions to render relief to all yet select very few enhancing injury, and with the truth deny those who have done everything right, from the supposed " American Dream. ", only to be oppressed and treated badly under " Color of Law. '' It is as if they are wrong for having a Certificate of Birth. The next step from here will be to inform all parties of impending lawsuit in Federal Court to answer for their violations of CFPB, FCRA, FDCPA & 15 US CODE 1681 in order free others from what the world refuses to expose does not exist and restore " creditworthiness. '' thank you.
Product: Credit card or prepaid card

XXXX XXXX has the wrong social security number listed on my Discover credit card account. XXXX isnt my social security number. My correct social security number and date of birth is : SSN : XXXX DOB : XX/XX/XXXX.
Product: Debt collection

The aforementioned credit collection agency representing  XXXX  violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files :  XXXX ,  XXXX  and  XXXX .   The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If  Southwest Credit Systems, L.P. Inc. do es not have any documentation, they need to retract this from my credit file immediately.
Product: Student loan

As an XXXX student in the XX/XX/XXXX, I was n't eligible for most school aid programs so relied mostly on student loans such as Stafford, XXXX, Perkins and a small Pell grant, plus a private loan. After earning a XXXX and XXXX, I graduated in XX/XX/XXXX with over XXXX in student loan debt. Needing an immediate job because of the debt, I began working at a XXXX in XX/XX/XXXX, continuing until XX/XX/XXXX. Sadly, the high cost of city living and my student debt payments overwhelmed my XXXX paycheck. When I originally consolidated my loans, I was told by both the Federal DOE rep I spoke to and by my private loan servicer ( XXXX ) that I did not have the option of transferring my loans into the Fed Direct Loan consolidation program. Later, when the Public Service Loan Forgiveness ( PSLF ) program began, I called again to ask if I could get in to the Fed Direct Loan consolidation program to qualify, and was again told by my servicer Navient and the Fed Govt that I did not qualify. However, last year I learned ( just as I was leaving my job ) that indeed, by combining my Perkins Loan with the Stafford/XXXX loans, that I would qualify, so I transferred my loans to Direct Fed loans. BUT, this happened in XX/XX/XXXX, though I would have been eligible when I called about it back in XX/XX/XXXX. This means that I would be almost 9 years into the 10 years of on-time payments and thus very close to having {$230000.00} of student loan debt forgiven as PSLF. In other words, the incorrect and incomplete information given to me on multiple occasions by both my private student loan servicers and by the federal government has potentially cost me many, many thousands of dollars. I would like to continue my non-profit work, but can no longer afford to do so because of this large student debt. My current student loan debt is causing undue hardship and is affecting my future employment and housing options.
Product: Payday loan, title loan, or personal loan

This loan was taken out for a minimal amount. I believe the original loan was {$300.00}. They pulled money out of my checking account for a lengthy time. But they continued pulling money out. I stopped payment. 

In XX/XX/XXXX a company contacted me about the XXXX XXXX account. I paid settled amount. 

Last year I received a call from XXXX at Foster and Monroe for XXXX XXXX. Since the previous settled amount was 6 years prior, I was unable to produce receipts. Foster and Monroe stated I owed {$1700.00}. Since XXXX of last year I have made payday payments with the exception of the last few months. I live on a fixed ( XXXX ) income. I tried to change arrangements to pay more manageable bimonthly payments. However Foster and Monroe refused to allow me to make smaller payments. With the exception of 3 payments, I have made the scheduled payments. This month due to medical issues as well as unexpected financial situation I was unable to make my payment last week. Now they call daily harassing me. This morning the calls began at XXXX XXXX I am XXXX XXXX and added stressors do affect my medical issues. This company is very aggressive and makes threats. I tried calling them back and left a message. I told them I could not make a payment until the XXXX and that it is not okay to call me at XXXX XXXX This payday loan has been a nightmare. Currently there are things I need that I am unable to afford because of these payments. The interest on these loans should be illegal. 

Months ago I was sent an email stating that my name was listed in a lawsuit against XXXX XXXX and that due to fact I live in NM I would not be reimbursed but the amount I still owe would be wiped out. I ask Foster and Monroe about this and they said the suit did not apply to me. I am so tired and frustrated. The payments cause me to have to make a choice of making payments or getting needed medical care. We live in a remote part of NM. I am needing to travel and see XXXX as well as go to XXXX. But I can not afford to do to these payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX XXXX XXXX account with XXXX incorporate out of XXXX ca for a auto loan back in XXXX  that should be off my credit report also on my credit report with equifax a balance of XXXX XXXX owed and that it is closed I never made any late payments and they still said it was not delegate I would also like XXXX and XXXX to remove it also off my credit history report instead of showing a paid XXXX year debt resolved/closed with a delinquent balance
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXXXXXX XXXX  Account # XXXX, XXXX & XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, # XXXX, # XXXX has violated my rights. 

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

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been disputing with Experian for the last four months. These accounts are not mine. I have been a victim of identity theft I have submitted information that they asked. It is unfair that I have to wait an additional 60 days when theyve already had 120 to investigate and get this stuff removed I want this stuff off And I want the non-account holding inquiries off. This has completely ruined my life.
Product: Credit reporting, credit repair services, or other personal consumer reports

Victoria Secret Credit Card services marked my credit report as late on XX/XX/2020. I was infected with XXXX from XXXX 2020-XXXX 2020, I was hospitalized ands requested that this be suppressed from my credit due to the exigent circumstances.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, PayPal permanently banned my account without warning or explanation. 

I have repeatedly requested a reason for the ban and a manual review of my case, but despite reaching out on multiple occasions, PayPal has failed to provide a clear response. 

I have reviewed PayPals Acceptable Use Policy and Terms of Service, and I did not engage in any prohibited activity to my knowledge. PayPal has refused to provide specifics on what policy I allegedly violated, leaving me without due process or a fair resolution. 

I have already contacted : PayPal Customer Service ( No response or generic answers ) PayPal Executive Office ( No resolution ) Better Business Bureau ( No resolution ) PayPals actions have blocked my ability to receive legitimate payments from an affiliate program that exclusively uses PayPal. I rely on these payments, and their refusal to clarify or resolve the issue has caused financial harm. 

Desired Resolution : A clear, written explanation of why my account was permanently banned. 
A manual review of my case to ensure it was not an error. 
If PayPal insists on upholding the ban, I request a formal statement listing the exact policy violation so I can address any concerns. 

I am requesting CFPB oversight because PayPals lack of transparency and failure to provide due process has left me without recourse. I hope this complaint will lead to a fair and reasonable resolution.
Product: Credit reporting or other personal consumer reports

Complaint Regarding FCRA Violations by XXXX, TransUnion, and XXXX Complainant Information : Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : FCRA Violations by XXXX, TransUnion, and XXXX for Deletion of Accurate Account Information Details of Complaint : I am filing this complaint regarding violations of the Fair Credit Reporting Act ( FCRA ) by XXXX, TransUnion, and XXXX. These violations stem from the credit reporting agencies ( CRAs ) failing to report my XXXX XXXX secured credit card account accurately and instead deleting it entirely from my credit reports. 
Account History : My XXXX XXXX secured credit card account was opened in XX/XX/XXXX and closed on XX/XX/XXXX. A credit balance refund of {$200.00} was issued on XX/XX/XXXX. 
The account was accurately reported by XXXX XXXX to the CRAs. 
Violation of FCRA Requirements : The CRAs deleted this account from my credit reports instead of reporting it accurately. 
Under 15 U.S.C. 1681e ( b ), CRAs are required to follow reasonable procedures to ensure maximum possible accuracy in credit reporting. Deleting an accurate account constitutes non-compliance with this obligation. 
This deletion negatively impacts the completeness and accuracy of my credit report, which violates my rights under the FCRA. 
Evidence of Non-Compliance : In a letter dated XX/XX/XXXX, XXXX XXXX confirmed they had reported the account accurately. They also indicated that the responsibility for maintaining and reporting the account lies with the CRAs. 
My credit reports from AnnualCreditReport.com show the last time it was reported. 

Relief Requested : I request the following remedies : A thorough investigation into XXXX, TransUnion, and XXXX  failure to report my XXXX XXXX account accurately. 
Reinstatement of the XXXX XXXX account with correct details, including the accurate open and closed dates, on my credit reports. 
Assurance that all CRAs comply with their FCRA obligations in the future to maintain accurate and complete credit reports. 
Any appropriate penalties for willful or negligent violations of the FCRA by the CRAs. 
Supporting Documentation : I have attached the following : A copy of the XX/XX/XXXX, letter from XXXX XXXX confirming they reported my account accurately. 
Credit reports from XXXX XXXX platforms showing the deletion of XXXX XXXX account. 
I trust that you will investigate this matter promptly and take necessary actions to address these violations. If you require additional information, please contact me at the phone number or email provided above. 
Sincerely, CFPB PLEASE VIEW THIS
Product: Credit reporting, credit repair services, or other personal consumer reports

On  XXXX   XXXX   2017 , I faxed dispute letter to Equifax Credit Bureau. A month later I called them to check on the status of my dispute. I spoke with a supervisor who confirmed my dispute was received and to give them some time and they will send me the updated information. I still have not heard anything from Equifax Credit Bureau. I also requested a method of verification for the public records they have on my report and the accounts. I have accounts that are reporting closed but have late payment status. Also charged off accounts reporting late payment status.
Product: Vehicle loan or lease

they give me until the XXXX and I found out I don't get the loan until the XXXX and I started a new job and don't get paid for 2 weeks .. they want me to pay XXXX dollars then 2 weeks an9ther XXXX then another 2 weeks a XXXX etc.. the same but I need at least until the XXXX when I get the loan... I was suppose to get the loan on the XXXX but I have orientation on Monday the XXXX I need my car for work can u please help me and get an extension until the XXXX r until my first paycheck then I don't care to pay every 2 weeks at a XXXX until I catch up.. they never even told me they were repossession the car.. no letters and no calls... I'm stuck and need help.. thank u sincerely XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXXXXXX XXXX Balance : {$1100.00} XXXX XXXXXX/XX/XXXX
Product: Debt collection

I am receiving numerous calls a day from this company, Great American Finance. I have sent them a request in writing by fax on XX/XX/2020 and XX/XX/2020 asking them to not call my job. My employer does not allow personal phone calls. They talk over me and threaten a law suit, or to call the payroll department at my job. The latest call to my job was from XXXX XXXX, who wouldn't even let me speak, she became very aggressive when I told her I have requested in writing twice to not be contacted at my job. 

The name and address is : Great American Finance Company XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX, IL XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was completely shocked to discover inaccurate accounts on my credit report tonight, and I have no idea why they're there. I check my credit report regularly, and everything was fine until now. I even refreshed my browser, thinking it might be an error, but the incorrect accounts were still there. I'm really worried about this and would appreciate it if the documents I've submitted could be carefully checked so I can stop worrying about this in the future.