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

I am writing to inform you that I have recently become a victim of identity theft and request your assistance in blocking accounts associated with the fraudulent activity from appearing on my credit report. 
I discovered the fraudulent accounts when reviewing my credit report. The following unauthorized account were identified. Please remove all fraud alerts and fraud victim statements from my file please. And do not add any alerts or freezes to my credit report files. 
The following accounts are not mine and do not belong to me, please remove : XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account XXXX : XXXX Account XXXX : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX  Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX. Account Name : XXXX XXXX XXXX Account number : XXXX Date opened : XX/XX/XXXX I am requesting the following addresses to be removed from my credit file immediately : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX am requesting the following employment information to be removed from my credit file immediately : XXXX. XXXX XXXX. XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address the ongoing issues concerning my consumer report dispute, which remains unresolved despite multiple attempts to resolve the matter. Specifically, I submitted dispute information requesting additional details to LVNV Funding via the CFPB Complaint Portal on the following dates : XXXX, XXXX, and XXXX. The dispute pertains to the unauthorized submission of my federally protected private information to a third party by LVNV Funding without my consent. 

Unfortunately, the issues raised in my dispute have not been properly addressed. 

Furthermore, I have not received the required Debt Collectors Initial Communication ( Notice of Debt ) nor any verification or legal correspondence confirming consent or legal authorization for LVNV Funding to report my information. Under 15 U.S.C. 1692g ( a ), when a debt collector first contacts a consumer, they are required to send a written notice within 5 days of initial communication. As LVNV Funding is a debt collector, they are obligated to verify the debt by providing proof of the debt or a copy of the judgment ( if applicable ). However, LVNV Funding has failed to do so and continues to report unverified debt to the Consumer Reporting Agencies without any legal right to do so. 

In addition to the above, LVNV Funding is civilly liable for violations under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692k, which may result in : Actual Damages : LVNV Funding is responsible for any actual damages I have suffered as a result of their non-compliance, including emotional distress and financial harm. 

Statutory Damages : I may be entitled to statutory damages as specified under the FDCPA. 

Attorneys Fees and Court Costs : I reserve the right to seek attorney 's fees and court costs should I pursue legal action. 

Civil Penalties : In some cases, the court may impose additional civil penalties for willful violations or failure to comply with the FDCPA.
Product: Student loan

Please provide me with your statement of the amount owing as of XX/XX/2022, together with your assurance that you will accept payment in direct and immediate exchange for the original instrument of indebtedness in its original form. I would like to make arrangements to settle the above referenced matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account was opened in XX/XX/XXXX and became delinquent soon after in XXXX. It has been incorrectly reported every single month as 120-149 days late- even after the 2 year mark. This company continues to intentionally make this erroneous report to all 3 credit agencies with the intent to harm my credit score even 4 years after the loan was disbursed.

This should have been charged off two years ago. I have disputed this debt, I had a credit repair company, XXXX XXXX, try to resolve it on my behalf, they were unsuccessful as well. The amount of interest and fees have now more than doubled the amount of the loan. The original loan was {$2700.00} and is now {$5400.00}. My only source of income is from a state Medicaide program called XXXX XXXX XXXX XXXX that I get for caring for my XXXX XXXX children. I am unable to work outside the home. 

This preditory creditor is making false reports to the credit agencies every single month to destroy my credit as revenge for not being able to repay this debt. Soon after I took out this loan I got XXXX twice- as did my entire household- and had XXXX deaths in my family.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Date of Birth : XX/XX/XXXX SSN : XXXX ( XXXX ) XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( s ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Information to Be Reported : Full Name : XXXX XXXX XXXX XXXX XXXX XXXX of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Current Employer : I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection agencies are reporting accounts as if they are new collections, when in fact the original date of delinquency should be 6 or 7 years old. ( medical bills. stemming from a car accident ). 
1 ) XXXX XXXX Opened XX/XX/2019 {$380.00} Original creditor : XXXX XXXX XXXX 2 ) XXXX XXXX XXXX  Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 3 ) XXXX XXXX Opened XX/XX/2019 {$4100.00} Original creditor : XXXX XXXX XXXX 4 ) XXXX Opened XX/XX/2019 {$1100.00} Original creditor : XXXX XXXX XXXX XXXX 5 ) XXXX XXXX Opened XX/XX/2019 {$820.00} Original creditor : XXXX XXXX XXXX XXXX 6 ) XXXX XXXX  Reported : XX/XX/2019 {$460.00} 7 ) XXXX XXXX Opened XX/XX/2019 {$1200.00} Original creditor : XXXX XXXX XXXX XXXX 8 ) XX/XX/XXXX XXXX XXXX Opened XX/XX/2019 {$1300.00} Original creditor : XXXX XXXX XX/XX/XXXX
Product: Mortgage

I have a mortgage with Penny Mac. My husband lost his job. We requested a hardship loan modification over three months ago. They stated that they are processing it. We are worried because we are not hearing anything from them. XXXX They are still taking the payment out of my account, yet they are reporting us late on our credit file. I do n't know where else to turn. Can you please help us
Product: Debt collection

Conns I've been fighting these blasphemies against my credit since 2013. Conn 's is the reason why I'm XXXX and still can't get a car to drive my children to school, parties, gatherings and myself to my job, shopping, house needs, entertainment, etc. I cant get a loan anywhere, they just in XXXX approved my first credit card with only {$300.00} limit. My social life is affected by it, my self-steam, my interaction with the business/outer world. Conns Ruined my life and continues to do so with false statements and allegations about an unknown account I never had consciousness of.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX Account # XXXX US DEPT ED Account # XXXX US DEPT ED Account # XXXX XXXX XXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX DPT EDXXXX Account # XXXX REC XXXX XXXX Account # XXXX XXXX XXXX XXXX Account # XXXX XXXX Account # 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

There were accounts in my credit reports that were not mine or were opened due to credit fraud. I disputed with Credit bureaus, XXXX, Equifax, and XXXX and they were corrected. However, without notifying me XXXX XXXX  XXXX fraudulent accounts were added back to my credit report. I provided the identity theft report and police report already. Both XXXX XXXX  XXXX accounts do not even show account numbers and balances are different from all three credit bureaus. I was not notified that XXXX XXXX XXXX accounts were going to be placed back on my credit report and because of it, I lost an opportunity for a job. 

I searched online and this is a violation. I was not notified prior or provided a reason or explanation. 

Please remove again XXXX XXXX  XXXX XXXX accounts ASAP. I spend a lot of money and time on disputes already, I do not want to spend more time to get it removed/corrected and then you add back the fraudulent account again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was never late. I paid my first and second payment through my bank. XXXX started calling me in XXXX along with letters demanding a money gram even though my payment cleared my bank. I have paid every month up to date. XXXX ordered a repossession of my vehicle unless I paid cash through a money gram. They took my Jeep to an XXXX XXXX in XXXX Michigan. I had yo get an XXXX to go pick it up and pay cash. XXXX keeps changing my credit file. And payment history. They add charges, late fees and dont explain what they are. I have all receipts of my payments. 

This is not right.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I wanted to buy tickets to the XXXX XXXX  show in XXXX. I placed a tickets wanted ad on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. Almost impossible to find. I was emailed then called by a man who said he had the tickets I needed. We spoke at length. He then emailed me a photo of the tickets. After emailing, texting and speaking with him, I felt comfortable paying him for the tickets. He asked that I send the payment under the friends and family listing. I've done that before with no problems. He said I'd get the tickets in about XXXX minutes. They never arrived. I spoke with him repeatedly but still no tickets. I immediately called Venmo, explained what happened and provided all his contact information. They assured me that they would help me. They also said my case would be expedited. I was contacted by Venmo the next day and they said they'd had problems with this person before. But that didn't matter. I would receive no refund. They knew this man was a criminal and did not care. Venmo aided and abetted a thief. This is a perfect example that once Venmo takes its profit from the transaction, they do not care about scammers using their company. It's dishonest and despicable that Venmo would act in this manner.
Product: Payday loan, title loan, personal loan, or advance loan

I took a loan with this company due to having some bills due prior to payday, I had EVERY INTENTION OF PAYING IT BACK. However, I lost my employment during the pandemic and years after that in which I was evicted from my home, lost my vehicle, denied financial assistance by everyone in my life, denied unemployment benefits, being homeless and jobless. I am BARELY making ends meet, I CAN NOT EVEN AFFORD BUS FARE and I GET LIMITED food stamp assistance, AND I AM NO POSITION TO PAY ANYTHING NOT EVEN A {$1.00}. I AM ASKING THAT THIS DEBT IS FORGIVEN AND REMOVED FROM CLARITY SERVICESE AND ALL RECORDS 30 DAYS FROM TODAY. ADDITIONALLY, THIS LOAN IS 5 YEARS PAST THE FLORIDA STATUE OF LIMITATIONS OF XX/XX/year>.
Product: Checking or savings account

I received direct deposit, ssi, and I had a negative balance because of an overdraft they had done to me because of simply looking at my balance from an ATM.

When the time came for my check to be in the account, I was told there was a problem, and instead of getting my SSI as usual...

I had to wait an additional month later because they had closed the account over an ATM fee. 

It wasn't a normal overdraft, and I didn't deserve to have the account closed.
Product: Checking or savings account

I filed a dispute of unauthorized transactions for XXXX. The rep only put in for transactions totaling {$530.00} claim number XXXX, That claim was denied. Another claim was put in for the same company XXXX claim number XXXX, I called Capital One and was told it was denied. Due to showing other transactions from XXXX I said I need to dispute all transactions the rep then put in for the ones there were not in but still left out the {$530.00}. I called capital one many times and they stated they could not refill for those. I have already made a complaint with CFPB XXXX I have left XXXX many messages and no call back. The 2 nd claim was closed and in my favor. They are leaving out the 1 st claim. This is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. 
I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. 
A copy of this letter as well as copies of the XXXX written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement. 
Despite XXXX written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). 
Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly DELETE all information which can not be verified. 
The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. 
I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I demand the accounts in the letters attached to this complaint be deleted immediately, along with all hard inquiries, and adjustments to late payments be made in accordance with the instructions in the letter. 

XXXX XXXX SSN : XXXX DOB : XX/XX/86
Product: Credit reporting or other personal consumer reports

I previously disputed and successfully had the following fraudulent accounts deleted from my credit report : XXXX XXXX  ( XXXX ) and XXXX XXXX  ( XXXX and XXXX ). These accounts were removed from my XX/XX/year> credit report after multiple disputes. However, despite their deletion, they have now reappeared on my XX/XX/year> report. This repeated reinsertion of previously deleted information is a clear violation of the Fair Credit Reporting Act and demonstrates a failure to maintain accurate consumer reporting. Under 15 USC 1681i ( a ) ( 5 ) ( B ), a previously deleted account can not be reinserted unless the furnisher certifies its accuracy, and I receive written notice of the reinsertion within five business days. I did not receive any such notification, which constitutes a direct violation of this requirement. Additionally, the failure to prevent the unauthorized reinsertion of these accounts violates 15 USC 1681e ( b ), which mandates that credit reporting agencies follow reasonable procedures to ensure the accuracy of consumer reports. What makes this situation even more frustrating is that only Equifax has reinserted these accounts. As shown in the attached documents, XXXX and XXXX have not reported them, which further indicates that Equifax is failing to ensure proper verification and compliance with the FCRA. This inconsistency in reporting is not only misleading but also damaging to my credit profile. These violations expose the responsible parties to liability under 15 USC 1681n, which allows for legal remedies, including actual damages, statutory damages of up to {$1000.00} per violation, and attorneys fees. The continuous reinsertion of these fraudulent accounts is causing unnecessary harm to my financial reputation. I demand the permanent removal of these accounts from my credit report. If this issue is not resolved immediately, I will pursue further legal action and file additional complaints with the appropriate regulatory agencies.
Product: Credit reporting

To whome it may concern I have contacted eqifax enguards to a chapter XXXX acct, an bankruptcy which has been asked to verify an velidate with complete proof of claim in which they have failed to do so, I have also contacted the courts for such information to know XXXX .would you please XXXX me an obtaining closer in this matter.
Product: Prepaid card

I received an AMEX gift card which I can not register on the AMEX website. Therefore when trying to use the card to make purchases online the card is declined. I believe the issue is because the card is unable to be registered to a zip code or name so the online merchants are unable to process the transaction. I have researched this issue and found that many people are unable to use AMEX gift cards for online purchases and report this same problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to buy my first vehicle and the salesman pulled my credit and told me that my credit was pretty bad for the amount I was trying to get approved for I asked him what was the problem with credit and he showed me my report. These are many derogatory items that do not belong to me. Please remove these items from my account. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX, XXXX XXXX, XXXX, XXXX, DEPTEDXXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DEPT OF ED XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I recently checked my credit and was shocked to see this account randomly on my report. I doesnt state where it came from. Who is the original creditor. Documentation stating i granted permission for this to be on my report according to the law. It also did not state the condition this account is in. If this is not verified accurately and without my permission. This is fraud.
Product: Credit reporting or other personal consumer reports

XXXX XXXX Original creditor XXXX XXXX Balance {$1600.00} Balance update XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX Removal date XXXXXXXX XXXX
Product: Checking or savings account

US Bank deemed my business checking account as " dormant ''. They mailed physical notifications, though I was unable to receive them because they were old addresses. However, my phone number and email address have been the same and they NEVER called or emailed me to notify that my account was dormant. Then they began charging {$5.00} a month starting in XX/XX/year>. They have taken {$25.00} from me without calling or emailing me to tell me they were going to do so. They called it a service fee for notifying the state of a dormant account, which seems quite steep and tantamount to petty theft. The only email I got said " We miss you '' and it did not state at all that they were going to charge fees. This type of obfuscation and corporate greed is unacceptable, even at the scale of {$25.00}. I would like that refunded and they are refusing to help me with that.
Product: Checking or savings account

USAA Bank has completely mishandled this situation. USAA is so compartmentalized that they do not have any idea what one hand is doing while their customer support agents are saying something completely different.. I first called USAA in XX/XX/XXXX to dispute a charge from a merchant. USAA said thy could investigate a charge ( from XX/XX/XXXX and XX/XX/XXXX ) from a merchant, but could not guarantee a positive result. The charge is dispersed between 3 dates against the same merchant. The investigation spanned 5 months and ultimately resulted in USAA finding against me, while both XXXX and XXXX, while involved in the SAME TRANSACTION found in favor of me. I contacted USAA 3 times in writing and many many times by phone. I was always assured that USAA was " better '' than the rest, yet USAA ruled against me. The amounts were XXXX, XXXX, XXXX from XX/XX/XXXX to XX/XX/XXXX. 
Although USAA has STILL reassured me that they are on my side, their actions have shown otherwise. USAA has written-off my checking account and closed the account - to the detriment of my credit - while all along saying that they would not do this.