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

On XX/XX/2018 I was sent two collection letters from XXXX XXXX claiming I owed XXXX debts to Suntrust Bank. I sent XXXX XXXX a letter of Debt Validation and they sent me back two letters, one stating they no longer had the debt in possession and the second they sent a print off of a balance bill. I have Never heard of Suntrust Bank not have I ever opened any accounts with them. In XXXX of 2018 I realized I was a victim of Identity Theft and immediately placed security freezes and fraud alerts on all three ( 3 ) of my credit reports. I have been dealing with Identity Theft and trying to fix the problems it has caused since the XXXX data breach. I than order copies of all the specialty credit reporting bureaus and noticed Suntrust Bank reporting to XXXX XXXX. I have enclosed a copy of my Identity Theft Report and supporting documents for verification. As I stated, I have never opened any accounts with SunTrust Bank and this is a result of Identity Theft.
Product: Credit reporting or other personal consumer reports

I am writing in response to your request regarding my complaint against LVNV Funding LLC. Below is a summary of the actions I have taken and the ongoing issues with LVNV Funding LLCs handling of my personal information and credit reporting. 

Timeline of Events and Actions Taken : Debt Validation Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent LVNV Funding LLC a Debt Validation letter requesting validation of the alleged debt they are attempting to collect. This is my right under the Fair Debt Collection Practices Act ( FDCPA ). The letter explicitly requested that LVNV Funding LLC provide verification of the debt, including the original creditor, the amount, and other relevant details. 
No response was received from LVNV Funding LLC within the required 30-day period. This lack of response is a violation of my rights under the FDCPA, which mandates that they must provide this validation before continuing any collection activities. 
Cease and Desist Letter ( XX/XX/XXXX ) : On XX/XX/XXXX, I sent a Cease and Desist letter to LVNV Funding LLC, demanding that they immediately stop accessing or reporting my personal information to credit bureaus without my consent. 
This letter also reiterated my rights under 15 U.S.C. 1681b ( Fair Credit Reporting Act ), which requires consumer consent before any third party can access or report my credit information. I have not given LVNV Funding LLC permission to obtain or report my personal or credit information. 
Despite this request, no response has been received from LVNV Funding LLC, and they continue to report inaccurate and unauthorized information on my credit report. 

Key Issues : Unauthorized Access and Reporting : LVNV Funding LLC has been reporting on my credit report without my consent. Under 15 U.S.C. 1681b, they are not permitted to obtain my personal information or report it to credit bureaus without my explicit permission. Their actions are not only a violation of my privacy rights but may also constitute identity theft. 
Failure to Respond : Both my Debt Validation letter and my Cease and Desist letter were sent in good faith, requesting that LVNV Funding LLC provide the necessary documentation and cease their unauthorized actions. However, as of today, they have failed to respond to either request, which further compounds the violation of my rights. 
Thank you for your attention to this matter. I look forward to your prompt resolution of this complaint and confirmation that LVNV Funding LLC is taking the appropriate corrective actions. 

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

In accordance with the Fair Credit Reporting Act, XXXX  Account # : 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. 

15 U.S.C. 1681s ( 2 ) : States In accordance with the Fair Credit Reporting Act, XXXX  Account # : XXXX has violated my rights. 

15 U.S.C. 1681 section 604 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. 1681a ( 2 ) ( A ) ( i ) : States ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.
Product: Checking or savings account

So somebody opened a XXXX  under my fathers name and been taking money out of my chase checking account for months and I really did not look into it until one day I realized how my money was negative and it was down to a point where the bank started charging me XXXX $ fee a day and night and unfortunately whoever was doing these transactions had my online banking or my debit card access to be able to take money out of my account thru XXXX  and Ive called the bank let them know what was going on they told me I was supposed to receive all my money back to my account by next 10 business days and I never got a XXXX XXXX back from them and I called them afterwards they told me that they closed the case and I am not receiving the funds back and its really a huge amount of money for me when I have a XXXX XXXX XXXX and also has XXXX kids to take care of and its just stressful for me to get robbed for almost like XXXX XXXX dollars out of my bank and I dont know what to do at this moment please help me out with this situation
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute with Experian # XXXX about a lease with XXXX XXXX which I openedXXXX, the lease was completed and turned back in on XX/XX/XXXX and I purchased another vehicle from the same dealership. My credit report shows that the lease was not closed until XX/XX/XXXX and I was making payments which is inaccurate. They also report that the lease was repossessed XX/XX/XXXX ; which is also inaccurate ; since the lease was completed in XXXX and will remain on my credit report until XXXX. This is long past the seven year allowance for a dept to remain on my credit report. I would like this account deleted because it is in violation of my fair credit reporting. Please assist me this concern and or tell me what steps I should take to have this negative reporting removed from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and to be corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I wanted to report the fact that Chase Bank divulged my personal information of my last XXXX of my social and my mailing address without verifying that it was me on the account that they were actually speaking to the account older. This happened today at XXXX XXXX  and Chase did confirm that it was a call that went and did that.
Product: Checking or savings account

I had lost my debit card in XXXX XXXX. On this day I was also getting ready to go to XXXX with my husband and family. I was out making errands. I made a police report back on XX/XX/24 due to me loosing my debit card, days before going to XXXX but didn't realize it until my account was suspended, someone deposited a check into my account on the XXXX XXXX  XXXX but came to realized my account, was compromised days before, and two checks were deposited into my account on the XX/XX/24 for the amount of {$2200.00} and on XX/XX/24 for the amount of {$2000.00}. I have been dealing with Citi Bank for the past 2 months and still have received no information. They told me that I am going to be charged for the money what ever Individual got into my account. The worst part is I had my money it was a check that I personally deposited myself. 


I have provided police reports that they requested of me along with going to the branch on countless occasions in order for Citi Bank to verify me and still I have not received my money. All I am trying to do is get my money from my tax return and the funds that I had left in my savings so I may close my account with Citi Bank and go to a better financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

InXX/XX/XXXX, I disputed with all three credit bureaus inaccurate inquiries on my credit report. XXXX advised me to reach out to the companies in regards to these car loan dealership finance dept in regard to these unauthorized inquiries. After speaking with XXXX XXXX XXXX about this type of inquiry they advise me to contact the dealership finance dept to retrack these reporting activities because the third party does n't have control of this reporting activity. I contact rhe dealership finance dept and the finance stated he did n't know how to request deletion from the bureaus. On XX/XX/XXXX, I spoke to a saleman at a XXXX dealership and advise him that I was interested in leasing with XXXX ; therefore, I DO N'T want my credit pulled by no other companies, he advised me it would n't since all leases are done by XXXX. On XX/XX/XXXX, I was contacted by XXXX that I could be approved for year end close out lease option that would be less expensive. To say the lease the dealership outsource my data without my permission.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to dispute several fraudulent accounts and collections appearing on my credit reports with XXXX, Equifax, and XXXX. The accounts in question include a XXXX XXXX  account ( {$790.00}, reported XXXX XXXX, XXXX ), a XXXX XXXX XXXXXXXX account XXXX {$0.00}, reported XXXX. XXXX, XXXX ), and a XXXX XXXX XXXX  ( {$870.00}, reported XXXX XXXX, XXXX ). These accounts were not opened or authorized by me, and I believe I am a victim of identity theft. I have already submitted dispute letters to the credit bureaus requesting an investigation and removal of these items. I am seeking the CFPBs assistance to ensure these fraudulent accounts are removed from my credit reports promptly, as they are negatively impacting my credit score and financial standing.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about Equifax : XX/XX/XXXX : Mailed with documents on Drivers license & Med Information for Credit Report. No response received back. 

XX/XX/XXXX : Filled out XXXX XXXX XXXX Request Form, mailed it. The Form did not mention any extra paperwork to send in. 

XX/XX/XXXX : Equifax replied, they needed more information, SS card, driver 's license, rental/lease agreement, utility bill and where I lived for past 2 years. They also said the XXXX XXXX XXXX form was not legible which I printed in large legible letters. I mailed all that they asked for. 

XX/XX/XXXX : Equifax replied : Need to enlarge photocopies of driver 's license and social security cards. I resubmitted information again and increased copying by 150 %. The copies of my driver 's license and Social Card was readable before I mailed it to them. 

The other problem is that when other companies want to check my credit score Equifax always says its closed and they will not help me. I've called and talked to reps and they say it's open, but yet when I applied for Bank Loan on XX/XX/XXXX it was closed to them and I had to get the Bank Loan in my wife 's name only to buy a new home,
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX Infiniti XXXX XXXX XXXX wrongfully put an inquiry on my credit report that was unauthorized also XXXX XXXX and XXXX XXXX XXXX did the same.I want these removed because its affecting my credit score.
Product: Vehicle loan or lease

financed a vehicle through Westlake Financial on XX/XX/2022. They assured me that they would report my payments to the credit bureaus to help build my credit. However, the account has not appeared on any of my credit reports. Despite reaching out multiple times, Westlake Financial claims they are reporting, but there is no evidence of this on my credit reports.
Product: Credit card or prepaid card

Fraudulent charges of {$830.00} made at the XXXX XXXX in XXXX MD were put on my credit card by Capital One. The purchases were made with another credit card on XX/XX/XXXX. 
A Capital One representative called me about the suspicious charges on XX/XX/XXXX with a card that ended in the four digits XXXX. I told her I had no such credit card ending in those numbers. She called me back on XX/XX/XXXX and said it was a non-existent card. I was told by her the matter was over. On XX/XX/XXXX Capital One mixed the fraudulent charges with my actual purchases, confusing all the interest charges. The charges were in dispute at this time. 
Capital One threatened to leave the fraudulent charges on my card, if I did not send them a clear front and back copy of my Driver 's license. 
Capital One refuses to address the issue at the center of these fraudulent charges. That is ; How can charges be placed on my credit card when the XXXX XXXX supervisor in XXXX MD told me my card was not the card used to make the purchases? And how can a non-existent card clear?
Product: Credit reporting or other personal consumer reports

I'm writing you today because Experian has never provided me any proof on how they verified this bankruptcy that is reporting inaccurately on my consumer report. Experian has never did an investigation but only verified this account as being accurate. Experian has never verified this account to be accurate with the bankruptcy courts which would be the institution that conducted the bankruptcy in the first place. 

I request Experian provide me proof what bankruptcy Court officer has provided them information stating the bankruptcy that's listed on my consumer report is accurate and or letter of any sort showing they were in communication with the bankruptcy court confirming the bankruptcy that's listed on my consumer report is accurate and they were the original furnishers of the bankruptcy that's listed on my report. 


This account must be deleted because Experian has no permissible purpose, they illegally obtained alleged bankruptcy information and applied it to my consumer report without any communication from the bankruptcy court, Experian illegally and knowingly transferred a report on my consumer report without written instruction from me, they have no proof from the bankruptcy court that this account is accurate and it should be on my credit report. 


This account must be deleted immediately. 



See attachments below.
Product: Credit reporting, credit repair services, or other personal consumer reports

All 3 reporting agencies have XXXX credit card information stating a charged off account. The information should be deleted as it is a result of identity theft from XXXX security breach in 2017. 15 attempts were made and incorrect information continues to be reported which has caused credit refusal, hardship and discrimination. All information was filed wit FTC, CFB and should be removed removed immediately.
Product: Debt collection

Debt collector called on my personal phone after being instructed specifically not to contact me again. Company representative admitted that I was called even though my phone number was listed as a " blocked '' number.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I've attached a copy of my report to this complaint on the following date XX/XX/year> XXXX
Product: Payday loan

XXXX XXXX XXXX Bank, Maryland ... 

CASHNET Payday loan keeps deducting more then XXXX payment from my bank account!
Product: Credit reporting

There are XXXX agencies reporting that I owe them money and I have not even lived in the country for XXXX years plus. I would like these fraudulent charges to be removed from my credit score as it is greatly affecting me. 

XXXX ONLINE BANKXXXX XXXX, XXXX $ XXXX was living in XXXX XXXX at this time and it is IMPOSSIBLE that I opened up an account and I have never had a credit card with XXXX XXXX Bank XXXX 

XXXX AT XXXX XXXX, XXXX {$480.00} Again, I was living in the XXXX XXXX for XXXX years and I did not have the use of any XXXX XXXX XXXX service. I put my account on hold and they seemed to think it was ok to charge me when my phone had NO usage. They took my account off hold without my permission and started charging me.
Product: Credit reporting or other personal consumer reports

This company has violated my consumer rights by reporting inaccurate information on my driving record. XXXX XXXX courts never furnished this information to them as stated over the phone when I contacted the court clerk. The information on the report has prevented me from obtaining a job due to reporting false information that they purchased from a data minor.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am filing a formal complaint against XXXX XXXX for their continued failure to validate a debt they are reporting on my credit report, in violation of federal laws. Despite multiple written requests for validation of the alleged debt, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the agency has failed to provide any documentation proving the legitimacy or ownership of the debt. 

Furthermore, XXXX XXXX continues to report this unvalidated debt inaccurately on my credit report. This ongoing reporting constitutes a violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which mandates that information furnished to credit reporting agencies be accurate and substantiated. By reporting a debt that they have failed to validate, XXXX XXXX is not complying with these legal obligations. 

Given these violations and the harm this inaccurate reporting has caused to my credit, I request the following : XXXX. IMMEDIATE deletion of the unvalidated debt from all credit reporting agencies. 
XXXX. Statutory damages in the amount of {$5000.00} for XXXX XXXX failure to comply with federal law and their neglect in handling this matter. 

Should this issue not be resolved promptly and to my satisfaction, I will file a lawsuit in small claims court to seek further damages and enforce my rights under the FDCPA and FCRA. I expect XXXX XXXX to act in good faith by deleting the inaccurate information and providing the requested statutory damages. Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX, Tx XXXX ( XXXX ) XXXX XXXX XXXX
Product: Debt collection

have told them that I will pay once I receive the money from the buyer to settle this debt
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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

This company took over the servicing and collection for the loan on our furnace. The company refuses to provide written monthly statements despite our request. Their web site is horrific to navigate to figure out how to log in. We are getting dinged for late charges due to the fact that we do not receive monthly statements on this account. This account was always current and actually paid ahead until this company took over. I have never dealt with a creditor that just outright refuses to send monthly statements on an account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting a balance of {$2700.00} from a lease I returned in XXXX of this year. The dealer paid in full this amount. On my credit reports it is still reporting that I have this open balance there is another amount of {$4800.00} from XXXX as well showing on my reports. Ive had 3 leases with XXXX and the only current correct one is XXXX of 2019 for {$21000.00} having 3 XXXX accounts reporting balances increases my debt which is wrong.