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

XXXX XXXX XXXX & World Finance Corp has been disputed from my credit report for years and consistently asked to supply contract signed by me, with my drivers license, GPS location and they have NEVER supplied requested validation of debts, vehicle/s with loan attached was not only apart of divorce in which my ex husband was assigned the debt but also car/s was repossessed and nothing else is owed. They have continuously violated my FCRA AND VIOLATED CONSUMER LAWS by either NOT providing me with requested debt validation or removing their accounts from all of the credit bureaus on my credit file. 

XXXX XXXX, XXXX XXXX, have been reporting negatively on my credit reports for over a year and asked a dozen times to supply DEBT VALIDATION including, contracts, Id, GPS location and consent to service and have never supplied requested debt validation. They have repeatedly violated my FCRA rights and have been sent documentation noting these accounts were fraudulently obtained by my abusive ex husband with out my consent or knowledge, Ive provided a court order signed by a judge acknowledging that these debts do not belong to me and they have not stopped reporting these negative accounts. 

I am demanding XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX remove these fraudulent accounts from my credit profiles with ALL consumer agencies as well as all three major credit bureaus immediately and to cease any further negative reporting permanently. But not supplying me with requested Debt validation documents within 30 days of disputes through all major credit reporting agencies they have violated my consumer rights by law.
Product: Student loan

I have XXXX dollars to repay the US debt Ed I never got I call from this goverment institution saying this. I found out that i had to pay this is because I went into my email account to figure out why my credit was so low. On XXXX XXXX, 2014 this debt was applied to my credit and for so long I havnt got a call from anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX account keep reappearing and unfairly resetting date for removal despite removal on several occasions
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I found billing errors. The late payments don't match my standard payment pattern. Please address these errors and update my account.
Product: Bank account or service

Wells Fargo Bank opened an account through XXXX XXXX without my permission or knowledge. This was a reoccuring charge in the amount of {$24.00} monthly since 2013.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My checking account with TD Bank in XXXX XXXX, FL had a fraud withdraw with a branch in XXXX, NY. They issued a {$1300.00} withdraw with a fake " out of state '' drivers license without asking for a second ID. I reported the incident in less than 48 hours when reviewing my account online. We sent a signed fraud application and police report ( claim number ) from the local branch to the TD Bank fraud department and was informed the process would take 10 business days. I called the TD Bank fraud department today, 12 business days later for an update and they could not provide any updated information nor the assigned investigator for this claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, and have successfully removed most of the fradulant accounts and addresses. There are a couple that still remain on my Equifax consumer report. I have sent in numerous disputes and filed a police report and FTC reports. The response from the credit bureaus is that the information is accurate with no solid proof for debt or validation. 

In accordance with the Fair Credit Reporting Act. The lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account # XXXX XXXX XXXX  Has violated my rights. 

15 U.S.C. 1681 section 602 A. 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 counting 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.

I have respectfully asked for them to provide some kind of proof of these alleged items, specifically the contract, note, or other instrument bearing my signature. Additionally, please provide the name, address, and telephone number of each credit grantor or other subscribers. Also under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of the re-investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018 my lawyer sent a complain to Experian regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. Experian then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from Experian stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Customer service would not help and take care of the negative inquiries reporting to my credit report. 

CREDCO inquiry date XXXX XXXX XXXX inquiry date XXXX XXXX/XXXX inquiry date XXXX
Product: Debt collection

Hi,   XXXX   XXXX  fro m CFS2 called  my employer attempting to locate me and was rude and threatening to the person who answered the phone. When they asked for his name and number, he hatefully replied with his name and told them they could look on the caller ID to get his number. He then proceeded to tell my employer that " I would know what this is about ''. My employer came to me to ask if everything was ok and told me to handle my business. My fellow co-workers now know that I am having financial trouble and have bill   collectors after me.
The nice la  dy that answered the phone also sent me an email that reads : "  XXXX , You received a phone call from a gentleman ( not a nice person at a ll ).       XXXX   XXXX , from  CFS2, te l :  XXXX   CFS2 h elps consumers achieve financial recover This was definitely not a new business call. '' Can you please make sure this company does not harass other people at their jobs?     Thank you,  XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act Convergent Account # 1234, 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. 



XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX issued a garnishment to my employer XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. The garnishment is time barred debt for the state of XXXX which the statute of limitation was up on this debt the debt is from XXXX it's now XXXX The hospital and XXXX XXXX was made aware of this XX/XX/XXXX several times and ignored Please cease and desist all calls, communication and collections with me immediately. Apply 15 USC 1692 ( f ) ( j )
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

First of all I never consented to have my information obtained and/or shared with/by 3rd parties ; let alone reported to begin with. XXXX XXXX and XXXX XXXX are 3rd parties by which XXXX, XXXX, and/or Equifax obtained my personal details. I have since opted out of both XXXX XXXX and XXXX XXXX in pursuit of claims against them. Pure Accuracy 15 USC 1681, ( b ) written consent only and FCRA. 

XXXX confirmed via email that they don't report to any 3rd party companies which is where XXXX XXXX conspicuously obtained personal details. Per the Privacy Act of 1974 information must come directly from myself. Bankruptcy court does not submit information to 3rd parties and should be removed immediately ( 5U.S.Code552b ). I did not consent to this information being on my profile. XXXX has since deleted XXXX from my report which also needs to be deleted from XXXX and Equifax for consistency in reporting. 

Due to the aforementioned negative details on my XXXX, XXXX, and Equifax report need to be removed and accounts updated to paid as agreed. FCRA
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was discharge in XXXX  XXXX In XX/XX/XXXX I was trying to clean up my credit I dispute some items that were on my credit report After the dispute was finished, my report said Charged off as bad debt Profit and loss write-off, it said bankruptcy before the dispute I lost XXXX points because I disputed something I called Transunion, spoke to a rep They told me to call the reporting company I called XXXXXXXX XXXX XXXXXXXX explain to them I was discharge in XXXX XXXX and they were listed in it I had my attorney to call them I at the end of XX/XX/XXXX I send written notice to all three credit reporting agencies with disputes XXXX and XXXX removed XXXX, but not Transunion Today XX/XX/XXXX I received another notice that I missed a payment The credit report is still showing Charged off as bad debt Profit and loss write-off A total of XXXX point were taken off my credit report over misinformation by Transunion
Product: Payday loan, title loan, or personal loan

Navy Federal credit union is under fbi investigation for crimes against me for hacking per agent # XXXX with the national threat operations center. Cease all INCOMING CONTACT WITH NAVY AND DO CONTACT THEM. UNABLE TO ACCESS OPEN ACCOUNTS LOANS SAVINGS CHECKING CREDIT CARD. BANNED FROM BRANCHES AND CALLING IN BUT NOT APP PER XXXX XXXX CA BRANCH ASSISTANT SUPERVISOR XXXX AFTER 1 HR OF ME BEING IN BRANCH USED MY ID TO VERIFY ME KICKED ME OUT NOTHING IN WRITING WOULDN'T PROVIDE LETTER. KICKED ME OUT AN HOUR IN AS XXXX XXXX AND MY CAREGIVER UNDER ADA. AGENT XXXX STATES THE OFFICE OF THE CONTROLLER OF THE CURRENCY TO INVESTIGATE NAVY FED CREDIT UNION FOR SYSTEMICALLY DISCRIMINATING AGAINST ME AT THE LOWEST LEVEL TO EXECUTIVE CASE MANAGER FOR UNFAIR LENDING PRACTICES BASED ON AGE SEX DISABILITY ECONOMIC BACKGROUND RACE. I HAVE ACTIVE LOAN CHECKING SAVINGS CREDIT CARD W NAVY THEM CAN'T ACCESS ACCOUNT ONLINE. INCIDENT REPORT TAKEN FROM XXXX XXXX CA POLICE OFFICERS # XXXX # XXXX XX/XX/21 INCIDENT # XXXX NO DETECTIVE CALLED NO WATCH COMMANDER CRIMES STILL HAPPENING HELP
Product: Student loan

I finished school last year on XX/XX/2018. I did not get my diploma or show as a graduate until XXXX of that year. I contacted Navient today as I was told when trying to get a personal loan that Navient is reporting delinquent. I have not heard from them. They are claiming I am delinquent since XX/XX/XXXX of last year. 

How is this possible when you are granted a 6 month grace period from the time you graduate to start making payments? Plus the fact that they have made no attempts to contact me. My credit is now ruined because of them
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter on XX/XX/2021, about inaccurate and unverified information on my credit report, and I have yet to receive a response, ignoring the fact it has been over 35 days. I feel as though I'm being used and that my complaints are being ignored. It is clearly stated in Section 611 ( a ) that failing to investigate these issues within 35 days is a reason to remove those things off my credit report immediately. It has been over 60 days, and they should be erased immediately. I demand that these accounts be removed immediately, or I will file a litigation to compensate me for the pain you have caused me. My information was also leaked as a result of the Equifax data breach, and it may have got into the wrong hands.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit inquiries listed below are unauthorized and I have attempted multiple times to contact these companies directly to have them remove them and havent received a response : AMEX - ( XX/XX/2021 )
Product: Credit card or prepaid card

I lost my card back in XXXX, plus I have new I have new XXXX the password and username was saved on my other pickups account which was locked I couldnt transfer it to my new phone. So I recently checked my chase checking account and on nontification and its say this Major Derogatory JPMCB CARD It looks like your account with JPMCB CARD received a major derogatory status. This usually means that no payments have been made to a past-due account for 120 days or longer. 


So after reading that I just didnt know it came to that I was making small payments because after COVID 19 on XXXX I start looking for job couldnt get one, so I started government funding to start trucking school and I got 6 sister and my mom and dad is XXXX he cant work, too many bills for me to handle, I cant couldnt remember but every time I receive notification I go an pay the amount a bit.
Product: Credit card

My husband and I took out a loan from our local bank to pay off multiple credit cards and get a better interest rate. Our bank sent a Cashier 's check and a payoff letter with detailed instructions. Chase threw out the letter and did not know how to process the cashier 's check. Two weeks later Chase returned the cashiers check to our bank with a letter that they could not locate the account number. The full account number was included on the payoff letter our bank sent with the initial payment that was discarded by Chase. Our bank sent a check immediately upon receipt of the credit card company 's letter. Due to the confusion by created by Chase we were charged a whole month 's interest plus a late fee. Had they accepted the original cashiers check and followed the instructions in the included payoff letter we would owe a little less than two weeks interest and no late fees. We met with our banker yesterday XX/XX/2016 and called Chase together. The first person we spoke with agreed to remove the late fee, but said they could not backdate the interest to when the original payment was received. We asked to speak with a supervisor and we the supervisor gave us the same answer. We informed the supervisor that we would be contacting you. Please consider this issue knowing that if Chase had not ignored the payoff letter included with the original payment sent we would not owe the extra interest. Thank you.
Product: Vehicle loan or lease

I've been trying to get a car loan for about a year now. Not sure what the deal is but for over a year now I've been fighting all three credit reporting agencies tooth and nails to remove inacuracies after inaccuracies. I have filed complaints right here with this agency against all three credit reporting agencies in hopes that it would clean everything up. Denied, denied, denied, denied, denied, that's all I am getting! WHY I AM NOT OUT TRYING TO STEAL A CAR, I'M TRYING TO PURCHASE A CAR! Today I get an email from Transunion credit reporting agency and in the email on the front page it advertises a garaunteed car loan, DID I MENTION THAT I NEED A CAR LOAN REALLY BAD? So again, and there are screen shots attached to this complaint! So Transunion sends me a gauranteed car loan invite so I fill out the information and when I'm finished I get landed on a page to buy insurance. No car or car loan as garaunteed. Is there not laws against this? Are there different sets of rules that I do not know about? I just lived through covid like everyone else and now inflation has grappled the economy and I'm here with everyone else again, so why am I getting COMPLETELY hammered with lies and misinformation from not one but all three credit reporting agencies? Why am I being wrongly reported on all three credit reporting agencies? Why are the same credit reporting agencies sending me garaunteed car loan applications to my email then not following through with the garaunteed loan that it sends me?
Product: Credit reporting or other personal consumer reports

I am writing to address the ongoing inaccuracies on my credit report. Despite previous attempts to dispute the following items, they remain unresolved, significantly impacting my ability to obtain credit. I am entitled to monetary compensation under 15 U.S. Code 1681i ( 6 ), which requires consumer reporting agencies to notify consumers of the results of reinvestigations within XXXX business days after completion. You failed to correct these errors indicates noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under the FCRA, if disputed items can not be verified, they must be removed from my report. As per 15 U.S. Code 1681n ( Civil Liability for Willful Noncompliance ) and 15 U.S. Code 1681o ( Civil Liability for Negligent Noncompliance ), your agency may be held liable for failing to comply with federal law. Additionally, 15 U.S. Code 1692k holds entities accountable for violations related to debt collection. Any continued failure to address these inaccuracies in a timely manner will result in further legal action.

Charge-Off Accounts listed below must be DELETED IMMEDIATELY! due to violations of FDCPA Section 807 ( False and Misleading Representations ) and These accounts are falsely reported as charge-offs.

Collection Accounts Collection accounts listed below is in violation of 15 U.S. Code 1681b ( Permissible Purposes of Consumer Reports ). These must be DELETED in my report immediately. Unauthorized Inquiries listed below were made without my authorization, violating 15 U.S.C. 1
681c ( 1 ) ( A ) ( B ) ( i ) ( 3 ). They must be deleted from my report.
Product: Money transfer, virtual currency, or money service

XX/XX/2019 @ XXXX AM XXXX i sent {$600.00} of US money converted to XXXX XXXX XXXX on PayPal to a XXXX seller by the name of XXXX XXXX XXXX XXXX and XXXX XXXX XXXX i sent the money and confirmed a scam after he blocked me on everything and sent fake reciepts, he even made me money gram another {$500.00} cash
Product: Payday loan, title loan, or personal loan

Cash Central ( XXXX XXXX XXXX ) - a pay day loan company made a fraudualent loan to an online applicant using my stolen identity. They did not do any due diligience when lending the funds - did not call my employer or any of the telephone numbers reported on my credit reports, did not call check the account that they sent the laon funds to were mine. I had fraud alerts filed with two of three agencies and was working on the third due to XXXX breach. After notifing Cash Central that loan was fraudulent they issued a " civil action '' that shows on my credit report. 
Any due diligience on their part during the applicaiton process would easily have identified that I would OBVIOUSLY not apply for a pay day loan with high fees and rates. My credit reports all show larges amounts of available credit with banks and reputable institutions that have reasonable rates. 
I have filed their Complaint paperwork along with ID and the FTC victim of identity theft letter, and they are still arguing that I need to provide additional information. They want a police report and notifized statements, all time consuming and unreasonable when they did nothing to protect a consumers from this type of fraud. They have not provided me with any information I requested, like copies of the loan application and proof that money went into my accounts, " that is confidential information '' is their response. Whose confidenial information is it if not mine when they made this loan in my name?
Product: Debt collection

LVNV FUNDING LLC Account XXXX ( wont even give me the rest of the account information. 
Im filling this complaint regarding an innacurate item on my credit reports that continue to impact my credit. Despite my efforts to resolve this directly with All 3 credit agencies XXXX, XXXX and XXXX XXXX it remains unsolved. I request an immediate investigation and removal of this items, as are incorrect and do not reflect my true credit history
Product: Credit reporting or other personal consumer reports

On XX/XX/23 I was notified by Experian that I had received requests for my credit information from XXXX different companies. The companies were XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX. None of these inquiries were made with my knowledge or approval. When I contacted Experian, I instructed them to implement all the necessary protections to freeze and lock my accounts. I would hope that you would reach out to the companies involved as well as the other XXXX reporting agencies to determine what is going on. 
By the way, I have filed a police report with the XXXX, XXXX. police department. The report number is XXXX. 
Please confirm that you have received this message and advise what else I should be doing to protect myself.