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

My Name is XXXX XXXX & my first " 2 '' emails that were hijacked were ( XXXX ) & ( XXXX ) XX/XX/XXXX is when I notice the scams, and identify theft that was done with my personal information! My ex Fiance XXXX XXXX who I lived with for 10yrs has linked my Data from my gmail act. to his gmail act! And gained excess to all my data personal files etc..I was trying to jump start my online business called ( XXXX  ) He has then placed XXXX ( XXXX XXXX XXXX ) on all of my electronic devices. Where he can see the info i put into my phone! Hear through my phone with accessibility somehow! I then notice my business being used for ( XXXX XXXX! ) And ( XXXX XXXX ) items in my name as well! ( XXXX ) was placed over my fb where he gains more of my info. When I realized what was happening I made a police report and contact XXXX! And took notes of the things I discovered Loans from Self Credit, also My XX/XX/XXXX Stimulus XXXX off my XXXX card ... By controlling my phone through another phone he had with the XXXX Software on that App! Hes has made himself the Administratior of my Emails and close of ours! And made some organization for XXXX XXXX! Where it seems like we were working for him! But we had no idea! That he had that kind of excess and control over our phones! But he use my identity to do qll things! this is the List! 


Suspect info Last 4 SSN XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX 1.XXXX  XXXX Act 11 Consumer Privacy Act Pata Service GLBA, FCRA XXXX PPPA, CCPA 2. XXXX XXXX XXXX 3. https : //respond.census.gov./acs 4. XXXX XXXX 5. XXXX XXXX. XXXX 7. XXXX 8. XXXXt 9. XXXX 10. XXXX  11.XXXX  XXXX XXXX XXXX! Placed on all of my bluetooth devices 12. XXXX XXXX organizations such as XXXX 13. Certificates from XXXX installed on my devices! 
14. Global and many more! And it's still ongoing! 
XX/XX/XXXX - XXXX XXXX I made countless emails! changed phones, numbers, And still haven't received a dime from credit cards! Stimulus, all these gadgets he used etc..
Product: Debt collection

XX/XX/2020 To whom it may concern : I would like to file a complaint against a collection agency by the name of LVNV Funding/ XXXX XXXX XXXX XXXX XXXX XXXX 

I just recently received a request for payment on a collection debt in the amount of {$590.00}, from LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX XXXX 

Neither one of these collection agencies has ever contacted me to verify any debt, yet LVNV Funding LLC, has placed this fraudulent collection account onto my credit files, and I want it removed immediately. 

LVNV Funding LLC has placed this debt onto my credit files with a date of XX/XX/2020, as though this debt was created this year, when I have had no dealings with them, or anyone that they are affiliated with. 

This fraudulent date of XX/XX/2020, was intentionally placed onto my credit files to destroy my credit rating, and I want it removed. 

A few years ago, I had to have attorneys to contact this collection agency, because of slander of credit on my credit files, as well as, they are good at falsely reporting fraudulent collection information to the credit bureaus, LVNV Funding LLC will falsely lie about dates, as they are doing now on my credit files, as well as they falsely re-age and falsify information I dont owe LVNV Funding LLC/XXXX XXXX XXXX, XXXX anything, and I want any and all derogatory information that they have placed onto my credit files removed, immediately. 

A few years ago, I ended up taking XXXX  to court, because between them and LVNV Funding LLC, they fraudulently and falsely continued to slander my credit, and LVNV Funding LLC, was behind all of the lies and false information. 

The only mistake I made the last time while going to court was that I did not take an attorney with me, I was met with prejudice, and I will make sure I am fully represented this time, if need be. 

I want hard copy proof in writing that they have removed this collection account and all derogatory information from my credit files, and I want LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services , to cease and desist from ever contacting me again. 

On the credit file, they also list Resurgent Capital Services as well, and I want them included in this complaint as well. 

As I have previously explained that I have dealt with this crooked collection agency before, and LVNV Funding LLC, and Resurgent Capital like to play a game that neither one or the other is responsible for the collection, all I know is that no one has ever contacted me to verify this debt, and they have no right to ruin my credit files with it. 

LVNV Funding LLC/ XXXX XXXX XXXX XXXX XXXX/ Resurgent Capital Services, can contact the Consumer Financial Protection Bureau , and the Consumer Financial Protection Bureau can contact me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DEMAND TO KNOW THE REASONS AS TO WHY THE XXXX XXXX XXXX XXXX ACCOUNT IS STILL REPORTING NEGATIVELY ON MY CREDIT REPORT THIS ACCOUNT IS FROM XX/XX/XXXX, WHICH IN THIS CASE I HAVE ATTEMPTED SEVERAL TIMES TO GET THE ACCOUNT REMOVED OFF OF MY CREDIT REPORT. I HAVE ATTEMPTED TO REMOVE THIS NEGATIVE ACCOUNT FROM MY CREDIT REPORT SINCE XX/XX/XXXX, WITH NO RESPONSE, NOR SUCCESS FROM NEITHER XXXX  OR TRANSUNION, ALTHOUGH XXXX   HAS BEEN ABLE TO REMOVE IT COMPLETELY. I DON'T UNDERSTAND WHY THIS ACCOUNT IS STILL REPORTING, IF THE ACCOUNT AS BY PART OF THE FCRA, HAVE TO BE ACCURATE, VERIFIABLE AND COMPLETE BY LAW. AS A CONSUMER I AM AWARE THAT NONE OF THE INFORMATION DISPLAYED ON THIS ACCOUNT IS VERIFIABLE. PLEASE ASSIST ME AT GETTING THE ACCOUNT REMOVED DUE TO THE FACT THAT THIS IS REALLY AFFECTING THE OVERALL ABILITY OF ME GETTING FURTHER IN LIFE. THIS IS OBSTRUCTING MY GOALS FOR THE FUTURE.
Product: Credit reporting or other personal consumer reports

I called XXXX 's customer service and chatted with a supervisor about correcting the information on my consumer report. I was informed that she, ID # XXXX did not have the ability to remove information connected to 15 U.S. Code 1681a - Definitions ; rules of construction ( 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 ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control ; or ( iii ) communication of other information among persons related by common ownership or affiliated by corporate control, if it is clearly and conspicuously disclosed to the consumer that the information XXXX be communicated among such persons and the consumer is given the opportunity, before the time that the information is initially communicated, to direct that such information not be communicated among such persons. I had the same call with Capital one and XXXX XXXX, but they put the dispute in today XXXX XXXX. She, ID # XXXX did see the dispute I made before. I am disputing the recording of the information not if the information is correct. I explained
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently I reached out to XXXX XXXX about these inaccuracies on my report. They did their investigation and have yet to send me the results. I have called several times asking for the results and all details involving their findings. I have yet to receive anything. I also called and requested the " Debt Validation '' " Audit trail '' and Pursuant of GAAP '' but they have refused to send it to me for some reason. This will be my last step before taking legal action towards this company and the reporting agencies.
Product: Checking or savings account

In good faith I opened via their mobile a savings account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX only later to learn that my application was denied : " We're Sorry. Unfortunately, we're unable to approve your request for an account because it did not meet our bank 's requirements. These requirements include but are not limited to identity verification. We did not perform a credit check and your credit was not a factor in this decision. We appreciate you considering us for your banking needs. '' I then sent an email to : XXXX asking if they could please tell me what on the application is causing this denial to a no minimum balance savings account that I wish to open and what do I need to do in order to get this resolved? I then get this automated reply : At XXXX, we consider a variety of factors to determine account eligibility. We understand that you might be curious what these factors are but, for security reasons, we can't share the complete list of criteria we use. Maintaining the security and confidentiality of our evaluation methods is very important to us and our aim is to ensure fairness and equality in the assessment process for all of our applicants. Which did not answer the question. Could you please assist me?
Product: Debt collection

I purchased a vehicle on XX/XX/XXXX from XXXX -- loan was through XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. It has been assigned to XXXX XXXX XXXX, as assignee for XXXX. I defaulted on the loan due to unemployment and I was unable to make payments. The vehicle was repossessed in XXXX/XXXX  XXXX. I was not notified of sale in an attempt to recover vehicle. However, there is a document in the case material that I never received. I was under the impression that since I no longer had the vehicle, my debt was dismissed. On XX/XX/XXXX I was served by the Sheriffs office with a Complaint dated XX/XX/XXXX for the " deficiency amount '' of the vehicle. My court date was set for XX/XX/XXXX of which I attended. On that date in the Magistrate 's Court of the issuing County, a " Voluntary Dismissal '' by the company was entered. I thought this matter was closed. However, unbeknownst to me my employer had received communication on XX/XX/XXXX, under the direction of Stenger & Stenger P.C., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to garnish my pay. This is the same debt that was dismissed on XX/XX/XXXX. What I find interesting is there are 2 Civil Action # s for the same case, entered by Stenger & Stenger. The latter one is the one which was dismissed. Please note, the documentation is exactly the same ; same dates, same signatures, etc. How can they do this without my knowledge. My employer forwarded a copy of the Civil Action from a neighboring county of which I do not ive. I find this practice to be fraudulent and misleading. THIS GARNISHMENT HAS PRODUCED A MAJOR HARDSHIP FOR MY FAMILY, I AM UNABLE TO PAY MY RENT DUE TO MONIES BEING DEDUCTED FROM MY PAY ERRONEOUSLY without notification, I received documentation from Stenger & Stenger via my employer on the evening of XX/XX/XXXX with an enclosed Summons of Continuing Garnishment dated XX/XX/XXXX. I was not given the opportunity to defend myself again, my pay was just garnisedh without my knowledge. This is not
Product: Credit reporting or other personal consumer reports

To whom it may concern : I am writing to inform you that I have received a copy of my credit report and it has come up with some errors, on all XXXX ( XXXX, XXXX, Equifax ) Several wrong personal identifiers in the file, which may jeopardize my identity if they are not changed immediately! 

I want this resolved as soon as possible. 

My only name is XXXX XXXX, I do not have another name or alias. I insist that you remove all names from your system that do not match XXXX XXXX. 

Also, my current address is XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX! 

I am requesting that the information in my file be updated to reflect only my current correct address. 

Any address that you have on file for me that deviates from XXXX XXXX XXXX XXXX, XXXX XXXX CT XXXX is not accurate and should be removed immediately. 

I also ask that you remove any employers and phone numbers associated with my credit report. 

I look forward to your response on this matter as well as an updated credit report. 

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

I have been trying to clean up and credit and I am getting no help from the credit bureaus. I have sent in disputes back in XXXX and to this day I still have not heard anything. A simple letter is not that hard to get out and let know what going on with the disputes I file.
Product: Debt collection

I have filed a complaint with the BBB about this company. They responded advising me too end them 1 ) ID Theft Report and a Police Report. I did what they ask. They are still reporting this debt o my credit and its negatively affecting my scores. I need you all to contact them to find out why this has n't been removed
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card accounts XXXX  XXXX, XXXX, an auto loan account opened at XXXX XXXX XXXX and XXXX XXXX XXXX also student loans with Dept Nelnet under multiple account numbers, and a collections account opened at XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer XXXX  credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

The following inquiries are unauthorized : XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX  ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX  XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX To be clear, I did not apply for any of these accounts. You are reporting an inquiry that does not belong to me, which is a violation of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I was a victim of ID theft. there were fraudulent items appearing on my credit report since the spring of last year and I have been trying to solve this issue with the credit bureaus but they were giving me a hard time. So I then went on the ID theft website and it has been over a month with no response or notification that my complaint was received. I was recommended to this platform to solve this issue and I am seeking assistance with this problem. These negative items are hindering and keeping me from getting an apartment.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX 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 MAKE TAKE 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, credit repair services, or other personal consumer reports

Transunion credit agency has removed accounts on my credit report related to fraud and I have sent them proof on several occasions to correct and they still refuse to help me. It has been 8 months and they still will not this information from my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute Equifax, TransUnion, XXXX. Under 15 U.S.C. 1681o, you are liable for negligent noncompliance with the Fair Credit Reporting Act ( FCRA ), and I am holding your company accountable for failing to comply with its legal obligations.

Specifically, you have failed to : Describe the negligent act or noncompliance, such as failing to correct errors after a dispute, not notifying me of adverse actions, or allowing unauthorized access to my credit report As a result of this negligence, I have suffered damages, including but not limited to damage to credit score, in which has resulted in my being ineligible to purchase a home. 

I demand that you immediately : Please delete immediately Failure to address this matter will leave me with no choice but to escalate the issue by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my state attorney generals office. I am also prepared to pursue legal action to recover damages. 

Please consider this letter a formal dispute and demand for resolution. I expect your written response no later than [ reasonable deadline, e.g., 30 days from the date of this letter ]. If you need any further information to complete your investigation, please contact me promptly. 

Sincerely, [ XXXX XXXX ]
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention an issue with my credit report. Upon reviewing my recent credit report, I noticed that my auto loan is not being reported on my files with your bureau. 

Details of the auto loan are as follows : Lender : XXXX XXXX, XXXX Loan Account Number : XXXX Loan Amount : {$45000.00} Date of Loan : XX/XX/year> Date Paid in Full : XX/XX/year> I have attached documents from the lender that provide proof of the auto loan and confirm that it has been paid in full. These documents include the loan agreement and a letter from the lender confirming the final payment. 

According to the Fair Credit Reporting Act ( FCRA ), you are required to report accurate and complete information. The absence of this auto loan from my credit report is a matter of concern as it does not accurately reflect my credit history and may affect my creditworthiness. Under the FCRA, I have the right to dispute incomplete or inaccurate information in my credit report, and you are required to investigate my dispute within 30 days of receipt. 

I kindly request that you update my credit report to include the details of this auto loan. Please confirm receipt of this letter and the supporting documents, and inform me of the steps you will take to resolve this issue. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your cooperation. 

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

This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by XXXX parties and I did not participate in any of it. 
I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX. XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX. XXXX. This collection found within my credit report is not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts.
Product: Debt collection

I lost my job in XX/XX/XXXX at the onset of the pandemic. I was living in low-income, public housing at the time. And even though I followed all proper proto-call in disclosing all new information to housing by filling out the necessary forms to lower my rent based on income in a timely manner, housing used the pandemic as a way to fraudulently obtain COVID funds by ignoring policy and procedure, exploiting and harassing unemployed tenants through and by threatening eviction, damage to credit, and harm to future employment opportunities by fraudulently claiming noncompliance due to their strong arm tactics. XXXX XXXX, XXXX XXXX XXXX XXXX acting property manager, XXXX XXXX, immediately increased my rent to over {$400.00} a month and kept increasing to almost {$900.00} a month the more I tried to fight the injustice. I believe this was done to fraudulently obtain COVID funds during the pandemic by exploiting tenant rights. This debt was paid by way of Arkansas rent relief funded by COVID relief pandemic funds to help offset eviction ( why should an unemployed single mother living in public low income housing be faced with a {$10000.00} rent bill from XX/XX/XXXX through XX/XX/XXXX anyway?? )... I met with XXXX and she agreed orally and by email ( XXXX sent Attorney XXXX XXXX and myself an email to drop the unlawful detainer against me for payment in XX/XX/XXXX ). I paid over $ XXXX of this debt and XXXX XXXX agreed that the detainer was to be dropped and this debt was clear. So, why is this showing up on my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 2 It also a consumer reporting urgency can not furnish a account without my written instructions 15U.S.C 1692C
Product: Credit card or prepaid card

My account was paid in full for {$30.00} on XX/XX/2023. On XX/XX/2023 the company levied a {$2.00} fee against me. This is all documented on the statement. I called the company to get them to remove it and they wouldn't so I immediately closed the account so they could not levy anymore fees. I then filed a dispute with all 3 credit bureaus. They are stating to the credit bureaus that the fee is legitimate. I don't see how that can be since it was charged to me AFTER the statement was paid in full. This seems ridiculous that I have to fight a company for {$2.00} but now it's the point of the matter. I had an account with them about 10 years ago and wound up shutting it down for the same type of shoddy service. I thought I would give them another chance when they approached me last year. No, their service is still unacceptable and that's why I paid the account off. I didn't plan to close the account however I knew they would probably try to serve me with more fees when I didn't pay this ridiculous {$2.00}. It will cost them more to take me to collections for the unlawful charge but I am refusing to pay this on principal now since they would not cooperate on the phone and are claiming to the bureaus it's a fair charge.