23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

In early XXXX, I relayed a cease communication request to Jefferson Capital Systems via email asking them to cease and desist collection efforts on a debt they have admitted is outside of Statute of Limitations in past written communications. Said request was honored, until phone calls resumed on XX/XX/XXXX. I have received one attempted phone call per day from them, which I did not answer.
Product: Credit reporting or other personal consumer reports

LVNV FUNDING LLC XXXX XXXX XXXXXXXX report as a charge off by a debt buyer and has inflate the balance. suppress any information unauthorized by consent.1681q obtaining information under false pretenses : any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined XXXX1681r unauthorized disclosures by officers or employees : providing information concerning any individual from the agency files to a person not authorize to receive that information shall be fined {$5000.00}. Section 5 ( a ) of the FTC ACT 15 USC 45 ( a ) prohibit, unfair, or deceptive acts or practices in or affecting commerce.According to the ( debt bondage repair act ) prohibits, a consumer reporting agency from reporting adverse credit information about a consumer that is the result of severe trafficking in financial information. I fraudulent misrepresentation is unlawful.
Product: Checking or savings account

On XX/XX/2022 I made an online purchase at Walmart for {$100.00}. The account at that time was {$0.00} so I transferred the exact amount into the account. I checked the account a minute later and the money was gone, Walmart had taken it out. A day or two later my account had a negative balance of {$100.00} so I called the bank and asked why. They gave me a credit while they launched an investigation. For some reason my claim was denied, my account is now negative {$100.00}. The same thing happened again with Walmart on XX/XX/XXXX for {$26.00}. 

My issue is not with Walmart its with Capital One, the money was taken out by the merchant why was my account negative??? 

Claim # XXXX Claim # XXXX
Product: Debt collection

I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.
Product: Debt collection

I was contacted by AMSHER COLLECTION SERV concerning a " debt '' that I owe. I informed them that I had no idea of what they were talking about. They refused to send any additional information concerning who this supposedly was from, what it was for, when it supposedly occurred, who to even contact. Not I have a collection of {$260.00} on my credit reports and I have no way to get it off because this dishonest company is trying to extort money for debts not owed to remove it.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over, 45 days later, I have yet to receive a response. I feel as if I am being taken advantage of and/or being ignored throughout my dispute process. Section 611 ( a ) clearly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report ; it has been over 45 days. Therefore, these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this lengthy process has caused me. My information was also impacted by the XXXX  data breach and may have been placed in the hands of the wrong person.
Product: Credit card

This company is still reporting a account on my file after i been notified that i have been a victim of identity theft and that i have all the necessary paperwork filed and police reports to support my claim. I 'm in the process of getting a mortgage and this account is hurting me and it is being listed as bankruptcy. I also have a fraudulent bankruptcy filing that I 'm working with the courts and the government to get that issue rectified. I have been dealing with this issue for years now with all my personal information being stolen such as social security number, address, DOB, phone numbers opened under my name and bank accounts opened under my name. I request this company remove my name and social from this account immediately and mark it as fraud so if i choose to do business with this company in the future this issue wo n't stop me. I have attached my police reports and FTC fraud identity theft affidavit which has a letter from the government showing that my identity was stolen in a cyber hack also.
Product: Credit reporting, credit repair services, or other personal consumer reports

I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, CAPITAL ONE BANK USA, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) CAPITAL ONE BANK USA - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with fair credit reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account name : XXXX XXXX XXXXXXXX. Account name : XXXX XXXX ( Experian ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX Account name : XXXX XXXX XXXX XXXX. Account XXXX : XXXX XXXX. 
Account name : XXXX XXXX. Account Name : XXXX XXXX XXXX XXXX. 
Account name : XXXX XXXX. XXXX XXXX XXXX. Account name : National Credit XXXX. Account name : XXXX XXXX. Account name : 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 ; XXXX XX/XX/2022 ; XXXX XXXX XX/XX/2022
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX I submitted a dispute via mail and have yet to receive any dispute results and validity of the accounts
Product: Credit reporting, credit repair services, or other personal consumer reports

I kept in regular contact with XXXX  XXXX XXXX while having financial hardship to pay my account. A collections representative told me as long as I can pay whatever I am able to pay, I will avoid losing my account. As soon as I got the inheritance money I needed to pay off my debt, I paid it off in full immediately. XXXX  XXXX XXXX immediately closed my account despite our agreement of paying regularly until paid in full. My deal was not honored and I lost my credit card despite being a faithful cardholder for almost three years with no prior delinquency. I spoke to many representatives and filed many complaints regarding this issue. 
I paid off my XXXX  XXXX XXXX Credit Card on XX/XX/2022. My reports state that my account is paid and closed with late payments. I paid off my account in full, not requesting or accepting any discount payout waivers or anything. I even paid every delinquent amount in full. I want the comments to say paid closed never late, or just paid closed with no mention of lateness. There is no reason to punish me on my credit reports for delinquency regarding accounts that are paid in full and no longer open. 
Where is the incentive to be responsible if there is no benefit of paying off my debt but I have seven years of consequence of doing the right thing and spending thousands of dollars by paying off my debts directly with the creditors instead of any third party agency? Please help me remove these negative comments on my closed and paid off accounts.
Product: Credit reporting or other personal consumer reports

I am requesting that these two accounts XXXX XXXX  XXXX Account # XXXX and XXXX XXXX XXXX Account # XXXX on Equifax be deleted for they are harming my profile with the negligence of inaccurate information being reported. Equifax has failed to delete these two accounts that is reporting inaccurate. According to FCRA 15 U.S.C. 1681 both XXXX XXXX XXXXXXXX and XXXX XXXX are reporting inaccurate payment history along with the status of the account. Attached will be a letter requesting the verification of the information they are opposing to be accurate along with the payment history that both are. It is Equifax lawful duty to make sure that creditors are reporting accurate according to FCRA 1681e.
Product: Debt collection

On XX/XX/XXXX we contacted Nissan Motor Acceptance Company to negotiate a settlement of XXXXXXXX XXXX delinquent car lease agreement. We spoke to XXXX and she said that the collections balance of XXXX had been referred to XXXX XXXX XXXX XXXX. So we contacted this company at XXXX and they confirmed they were collecting on behalf of Nissan Motor Acceptance Company. The stated that they could offer a settlement amount of {$2800.00} to consider the account satisfied. We requested this offer in writing and they sent it to XXXX that same day ( she received it in the mail a few days later ). XXXX sent a cashier 's check in the above amount via certified mail to the address for XXXX XXXX XXXX XXXX listed on the letter on XX/XX/2022. Then on XX/XX/2022 XXXX received a statement from Nissan Motor Acceptance Company attempting to collect the remaining balance of the original {$7000.00}. This is incorrect because the amount she sent was accepted in settlement of the debt and all collection activities were to cease. I, XXXX XXXX, am submitting this complaint on her behalf.
Product: Credit reporting or other personal consumer reports

I am asking for your help in resolving the incorrect account listed on my credit report. This has damaged my reputation, and I rely on your help to fix it. Your poor handling of my credit report has deeply affected me, causing damage to my reputation. These false details need to be taken off my credit report immediately.
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a collection account to all credit reporting agencies for a debt that I do not owe. I sent them a certified letter asking them to validate the debt and they have yet to send the requested information. When I spoke to someone on the phone, they said I owed the debt for changing insurance carriers which I am allowed to do. I was not under any contract to remain with any insurance carrier.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC XXXX section XXXX a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC XXXX which states '' It is the policy of the XXXX that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC XXXX section XXXX a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and Experian do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, Experian, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC XXXX ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC XXXXC ( a ) ( XXXX ) states '' Except as authorized under subsection ( b ), 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 XXXX years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. CXXXXe XXXX ( A ) ( XXXX ) A states " 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. 15 U.S. CXXXXe XXXXe states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section XXXX of this title and to limit the furnishing of consumer reports to the purposes listed under section XXXX of this title. Equifax and Experian are not maintaining reasonable procedures. Also XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services. 

I HAVE REPEATELY REQUESTED INCORRECT INFORMATION BE REMOVED.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is inaccurately reporting debt not belonging to me as a collection 3X, THREE Times for same amount. This account I am not aware of an it is appearing on my credit report three times for the same date and amount Equifax must correct this error and stop the inaccurate reporting of XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. Equifax must delete the duplicated reporting from my file.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXXXXXX 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 aN account without my written instructions.
Product: Consumer Loan

In Wells Fargo Bank , N.A . Wells Fargo Dealer Services response, they state that WFS Financial " changed '' its name to Wachovia Dealer Services, then Wachovia Dealer Services " changed '' its name to Wells Fargo Dealer Services. Wells Fargo is implying that the word " changed '' in the " name changes '' they state is not exact or alike the terms used in the contract, or that they can just give a reason and the reason dissolves that term as used in the contract. This is what is stated in the contract right above my first signature it states, Any change to this contract must be in writing. Both you and we must sign it. No oral changes to this contract are enforceable. Copy is attached. 
Wells should admit they did wrong. Because who would believe that any term in a contract can be avoided by just changing a name, then take all the money or property associated to the contract, how easy they have it. Then just punish the consumer by reporting to XXXX the false information. # XXXX response to Wells Fargo 's response
Product: Credit reporting or other personal consumer reports

Over the past three months, I have contacted XXXX and XXXX concerning the negative account with XXXX XXXX and the keep telling me the debt is validated and keep reporting inaccurate information. They told me the credit report had been updated and to take it up with XXXX XXXX XXXX but they are the ones who are reporting the information, and they know its inaccurate information. I had the car for 7 days and they never validated what or how much they resold the car for, and why they are reporting negative information on my credit. I have a XXXX balance with delinquent and late payments showing on my account as if I'm not making payments.
Product: Debt collection

I was being garnished. They collected the amount. And have now collected more than owed. Which is now theft. I owed XXXX they have now taken XXXX They've over taken without properly notifying my work which is now a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently discovered that I am the victim of identity theft. On XX/XX/2022, I sent a copy of the FTC report, my ID, proof of residency, and a letter identifying the fraudulent items that have been published to my credit report by Experian without my authorization of consent. These documents were sent certified mail. The tracking number confirms that Experian received these documents on XX/XX/2022. Federal law states that these items must be removed within 4 days of receipt. As of today, XX/XX/2022, 17 days have passed and the account with XXXX XXXX, which is included in both the FTC report as well as the letter I sent, is still being published on my credit report. At this time, Experian is acting in noncompliance with Federal law by continuing to furnish this information. I have attached all of the documents relating to this complaint including the FTC report, letter identifying all fraudulent items, ID, proof of residency, & screenshot or certified mail tracking history from USPS.
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 1681i ( 5 ) I waited 30 days and received my investigation and notice everything was still incorrect to which all 3 credit bureaus are showing different information for the accounts listed below. If the information was investigated and reported back as accurate, how can all 3 bureaus still report different information. This is a huge violation of my rights.

The consumer reporting agencies which is Transunion did not modify or removed anything. The date open is not correct, date last active is not correct on all three credit reports, date of last payment is not correct on three credit reports to which is a violation. This is impacting me from moving forward to buying a house for my family. I attach my previous credit report and my new credit report to show how Transunion violated my rights. 

XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXXccount Number : XXXX XXXX Credit Bureau : Transunion Creditor XXXX XXXX XXXX XXXX Account Number : XXXX XXXX Credit Bureau : Transunion Creditor : XXXX XXXX Account Number XXXX XXXX XXXX Credit Bureau : Transunion Creditor : XXXX  Account Number XXXX XXXX XXXX Credit Bureau : Transunion Creditor : XXXX Account Number : XXXX XXXX Credit Bureau XXXX Transunion Creditor : XXXX XXXX XXXX  Account Number : XXXX XXXX Credit Bureau XXXX Transunion XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting

i have told them they are not reporting and keeping up with my information. they are hanging onto things that are so old and also while i was married and have been divorced for over 3 years. i have worked very hard to improve my credit rating but it doesnt go up it keeps going down which i do not understand. i have complained but its not working and i want them to delete things that are so old should be gone and to update my credit rating as i should have really better credit now
Product: Credit reporting or other personal consumer reports

The information keeps coming back verified and no documentation has been given to for this, no other information such as address thats supposed to be attached to this address, no documentation has been giving to me. No contract with my wet ink signature had been given to me. According to 15 USC 1681 and 1681C ( C ) I have a right to privacy as well. These accounts dont belong to me I would kindly like theses accounts deleted from the reports and public records
Product: Credit reporting or other personal consumer reports

Per 15 usc 6801 And b ( 3 ) I wan na opt out of you sharing my personal non public information that has been harmful to me and has been beyond nonpublic personal information following 15 U.S. Code 6805 - Enforcement and 16 cfr 313 ( 4 ) Nonpublic personal information ( A ) The term nonpublic personal information means personally identifiable financial information ( i ) provided by a consumer to a financial institution ; ( ii ) resulting from any transaction with the consumer or any service performed for the consumer ; or ( iii ) otherwise obtained by the financial institution. ( B ) Such term does not include publicly available information, as such term is defined by the regulations prescribed under section 6804 of this title. ( C ) Notwithstanding subparagraph ( B ), such term ( i ) shall include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived using any nonpublic personal information other than publicly available information; but ( ii ) shall not include any list, description, or other grouping of consumers ( and publicly available information pertaining to them ) that is derived without using any nonpublic personal information.pursuant to Privacy act of 1974.
Product: Credit reporting or other personal consumer reports

Wrong and improper us of personal info. Wrong amount on old credit cards. Data breach and leak of personal information.
Product: Checking or savings account

I did not receive my direct deposit from my job. I was paid today XX/XX/year> by my employer and have not received my money. Amount of {$990.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a federally protected consumer and I am aware this company is in violation of my rights please review the complaint attached.