23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On my XXXX Credit report shows a charged off account of {$1200.00} from XXXX XXXX. I had called several phone numbers starting off with the number that was provided on my credit report. I spoke with XXXX at XXXX and she stated she could not locate an account for me and told me to call Collections at XXXX and I spoke with XXXX. She also could not locate this account and she transferred me to another department and I spoke with XXXX and he told me to call XXXX XXXX at XXXX. I spoke with XXXX and she said the account was due to a charge off from XXXX XXXX where I was a co-signer for a former Fiance. XXXX told me that the account was sold to Midland Credit and I would need to call them and follow up on making payments and/or settlement. I called XXXX and no one answered and the voicemail was full and couldn't take anymore messages. The final number I called was XXXX Midland credit management and spoke with XXXX and he could not locate my account or find out where it was. I have exhausted several attempts to settle this debt for {$1200.00} and no one can seem to find my account or accept payment. I don't know how to settle this debt or how to locate it.
Product: Prepaid card

I had a card with Netspend and I had mine refunded money and included my benefits from social security came to the card they refused to give my money back and which was stolen out of the account and they closed without doing anything about it and I need all my money back so I can pay my bills please thats not fair I wake up all my money gone
Product: Credit reporting, credit repair services, or other personal consumer reports

I had Identity theft from the " XXXX XXXX XXXX '' in XX/XX/2015. I ask for Equifax to remove my wrong information on my credit report. but they still keep it open on my credit report. I don't know what to do. this account really not belongs to me and someone uses my information and applies or maybe confusing with someone else. please clear this. this is not mine. and wrong information on my credit report. please help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer of the United States and i never gave EXPERIAN nor XXXX XXXX written permission nor the right to report on my consumer report. The fact that this account is reporting on my consumer report with out any written permission is identity theft and a violation pursuant 15 USC 1681b, also a violation to 15 USC 1692d for harming my consumer reputation reportinb late paymenta. I the consumer in fact, natural person, original creditor, lender, executor, administrator and holder demand that my federally protected consumer rights not to be violated at any given place or time. I, the consumer, filed a cfpb complaint on XX/XX/XXXX, complaint number XXXX regarding this account above to be immediately removed from my consumer report for violating my federally protected consumer rights. Attached to this complaint labeled as exhibit A was sent along with my complaint XXXX revealing these violations and reportings on EXPERIAN, XXXX  AND XXXX. After my complaint was filed XXXX XXXX was removed from my XX/XX/XXXX and XXXX  consumer report. As of XX/XX/XXXX XXXX XXXX and EXPERIAN willfully and knowingly continues to violate and harm my consumer rights and reputation. Also attached labeled as exhibit B showing proof of deletion of this account from XXXX  and XXXX  but EXPERIAN and XXXX XXXX continues to violate. Labeled as exhibit C is the letter i received from XXXX XXXX on XX/XX/XXXX stating my account was opened on XX/XX/XXXX and was closed on XX/XX/XXXX due to delinquency when they are reporting delinquency on XX/XX/XXXX when my account was already closed. The information being reported is incorrect amd misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and Im a victim of Identity Theft. I have two phone bills on my credit report that's not mines. XXXX XXXX XXXX {$710.00} and XXXX XXXX XXXX {$130.00}. Attached is my FTC report with my ID and social. Please update this as soon as possible.
Product: Credit reporting or other personal consumer reports

XXXX XXXX {$44000.00} This company has willingly and knowingly violated my rights as a consumer. This company is in violation of the Fair Credit Reporting Act and the Gramm-Leach- Bliley Act. Violations of the Gramm-Leach-Bliley Act for non-compliance can result in fines up to {$100000.00} per each violation for financial institutions.With that being said this company along with Experian, XXXX, and Experian have been notified of the violations by me and no action has been taking. I am depending on the CFPB to make sure action is taking and to show these companies, organizations and institutions that they are not above the law.

Under the Gramm-Leach-Bliley Act 15 U.SC. 6801 et seq. also known as the Financial Services Modernization Act of 1999, I the consumer should be giving the option to opt out of my nonpublic personal information being reported to or with non-affiliated third parties. The opt-out notice must be must be explained clearly by financial institutions and provided in writing at the time of an in-person transaction and electronically for a online transaction.

This option was NEVER provided to me! I request that this account be deleted and no longer be reported on my credit report
Product: Debt collection

Driveway Financial will not respond to my notices to cure an alleged debt. They have also illegally sold my account to an unknown third party. I do not consent to seizure of my property. Cease and desist all attempts to collect a debt, unless you decide to release the lien from my vehicle and pay damages for the fraudulent purchase contract.
Product: Checking or savings account

My name is XXXX XXXX please add this to cfbp case number XXXX I need a update on these claims number for XXXX and XXXX and XXXX and if they all are denied and reopen them all or appeal them to be reopen and investigation them all and provide me the new decision for all of the claims number because I disagree with the decision it is fraudulent unauthorized etc checking account number is XXXX and saving account number is XXXX etc
Product: Debt collection

I received a call from Dynamic Recovery Solutions regarding a debt that never existed, that they possibly made up or are useing a stolen identity. They some how knew my Social security. The debt was from XXXX XXXX XXXX, I have never had a XXXX XXXX card and my Credit score is actually very good. Also read online that this is a scam.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ITEMS that need to be removed from my file : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXXBalance : {$20000.00} XXXX XXXX Balance : {$6200.00} XXXX  XXXX Balance : {$13000.00} XXXX XX/XX/2023 XXXX  XXXX XXXX XX/XX/2023 XXXX XXXXXX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023XXXX XXXXXX/XX/2023 XXXX XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXXXX/XX/2023
Product: Credit reporting or other personal consumer reports

The following accounts continue to report on my credit report without my permission, in violation of federal law, despite numerous written requests. As required by Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ), these accounts must be verified ( A ). I will bring legal action against you if you do not verify these accounts. To help this situation be settled as quickly as possible, kindly uphold the law. 
XXXX XXXX XXXX Balance : {$200.00} XXXX XXXX XXXXXXXX Balance : {$370.00} XXXX XXXX XXXX XXXX XXXX Balance : {$440.00} XXXX XXXX XXXX XXXX Balance : {$41000.00} XXXX XXXX XXXX XXXX  XXXX Balance : {$1100.00} - tied uXXXX XXXX XXXXXXXX Balance : {$2200.00} XXXX XXXX XXXX XXXX XXXX : {$0.00XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX Balance : {$580.00} XXXX & XXXX Original XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$2400.00} XXXX XXXX XXXX Original XXXX XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have Disputed Bank Of America To send me a payment History. I have also contacted XXXX  Asking then to show payment history when the payments where made and Dates. I have had 2 other mortgage company 's and credit cards that post my payment history. I contacted XXXX they told me that the history is correct and showing on there end.

but it is not showing on my report that they sent me or online. I have ask them to remove this account and XXXX say it is accurate.

Thanks XXXX XXXX
Product: Debt collection

After noticing the debt on my credit report, I sent a Debt validation letter to American Credit Bureau. A request was made pursuant to 15 USC 1692g Sec. 809 ( 6 ) of the FDCPA. As stated in the law, America Credit Bureau did not cease collection activities, in fact, they continued reporting to the credit bureau. To date, I have not received a letter or phone call from the AMERICAN CREDIT BUREAU or any attempts by the debt collector to validate the debt they believe I owe. It has been more than 7 years since they placed the debt on my credit report and More than 1 month since I requested validation. The original date of this debt has exceeded the 7 years old time frame to collect.
Product: Credit reporting or other personal consumer reports

Account with XXXX XXXX settled was informed would be removed with letter of release after last payment still showing I owe a balance when I do not owe any amount this is negatively affecting me need it removed
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX has violated my rights under 15 USC 1681Section 602, states : I have the right to privacy, 15 USC 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666b, a creditor may not treat a payment on a credit card as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

TSI sent a request for {$300.00} on XX/XX/year>, account XXXX ; I paid it in full over the phone on XX/XX/year> with XXXX XXXX confirmation XXXX XXXX at which time I made it clear I needed a receipt of payment and an itemized bill. It is now a year later, I've called several times to follow up including today XXXX and still have not gotten either. TSI has no problem demanding money but doesn't seem to have any interest in telling people that it's paid in full or what they paid for. Sounds illegal to me! I certainly have a right to proof of payment and what services were rendered, regardless of who takes payment.
Product: Student loan

These loans are from XXXX and XXXX. I was never billed for them. I received a call from collections in XXXX said that I owed student loans. All of my other loans I paid off and I would have done the same with these.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account Name : XXXX Account Nuimber : XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint due to the failure of [ XXXX, XXXX, or TransUnion ] to accurately investigate and correct erroneous information on my credit report, despite multiple dispute attempts, which directly violates my rights under the Fair Credit Reporting Act ( FCRA ). 

Details of the Issue : On XX/XX/XXXX, I noticed a significant inaccuracy on my credit report. Specifically, an account listed under the creditor is inaccurately reported as delinquent, unpaid, or otherwise incorrect. This account is either completely unrecognized or inaccurately portrayed in terms of payment history, balance, or status. 

Actions Taken : I formally disputed this inaccurate information with XXXX, XXXX, and TransUnion on, providing supporting documentation to prove that this account either does not belong to me or contains errors that are materially affecting my credit standing. Despite this, XXXX, XXXX, or TransUnion failed to properly investigate, verify, or remove the inaccurate information within the legally required XXXX period stipulated by the FCRA. Instead, they either provided an inadequate or automated response or reinserted the erroneous information without adequate verification. 

FCRA Violations : Under the FCRA ( Section XXXX ), credit reporting agencies are required to conduct a thorough investigation and remove or correct any information that can not be verified within 30 days. XXXX, XXXX, and TransUnion has failed to comply with this federal requirement. Furthermore, they failed to provide documentation verifying the accuracy of the disputed information or a reasonable explanation for its continued presence on my report. 

Impact on My XXXX XXXX : The continued reporting of this inaccurate information has severely and unjustly impacted my XXXX XXXX, resulting in significant financial harm. This has negatively affected my ability to secure favorable loan terms, housing, and other financial opportunities. 

Desired Resolution : I am requesting the immediate deletion of the inaccurate account information from my credit report and a full investigation to ensure all reported data is accurate and compliant with federal law. Additionally, I am seeking written confirmation that the erroneous information has been permanently removed and will not be reinserted without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last XXXX I've sent documentation regarding to those inaccurate and unknown accounts Ive found on my credit report it cause me stress. Its almost 30 days now but I haven't received any response. I demand to DELETE asap or I will file Litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. 

On XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. 

But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX  XXXX XXXX  XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XXXX XXXX, XXXX, Highest Balance {$27000.00}. 

Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The following inquiries were not and should not be reporting. 

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.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. 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 ) ( a ) 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: Checking or savings account

On XX/XX/year>XXXX  I filed a dispute with Regions about my card being stolen and funds where stolen from my account. On XX/XX/year>XXXX  Regions removed the remaining funds from my account and closed it without any update on my claim or explanation. I don't understand how my account closed immediately after a claim was filed. I request that this claim be governed for constructive fraud from this company.`
Product: Money transfer, virtual currency, or money service

I sent {$100.00} to this person and they were suppose to add to that amt and redeposit in my PayPal account within 3 to 5 minutes. It never happened. PayPal says as the money was sent correctly, the case is closed. But I have been scammed. They should have made sure I got the money promised before they closed the case. I have conntacted PayPl but all I get is the money was sent to XXXX correctly. But where is my money I was to receive plus the {$100.00} I sent. I also am still stuck with the XXXX  XXXX, {$1700.00}, that I turned in a complaoint about back in XXXX. Am I a bad person for not letting this continue? This is the person I sent the money to. 
XXXX XXXX XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXX XXXX Your recipient should have the money by XX/XX/2024. 
Repeat this transaction Paid with PayPal balance {$100.00} XXXX Unlimited Cash Rewards XXXX  ( XXXX  Credit Card XXXX ) You'll see " PAYPAL XXXX '' on your card statement. 
{$4.00} Exchange rate {$100.00} USD = XXXX XXXX XXXX XXXX USD = {$3.00} XXXX  Transaction ID XXXX
Product: Vehicle loan or lease

I have a car loan I paid on time for a full year and a half, I had to go on fmla from work for 3 months because my daughter was hospitalized resulting in me not getting paid for 3 months. The loan agency would not help in anyway for making lower payments but they let me making minimum payments every week of XXXX which is hard to do when you 're not getting paid but I managed. I went back to work and started catching up on the payments but I 'm currently still passed due because I 'm trying to catch up on the car payment and rent as well. I explained this all to the original lady that I was working with and the agreement was as long as I 'm making active payments they would not take the car. I 'm now having 3 different people contacting me via email and phone all at the same on regards to this account. They are not relying messages to each other. Today while I was on the phone with one collector I had the other person email me that he put my car up for repossession when the lady I was on the phone with reassured me that I was fine. I made a payment on the 4th of XXXX and today I had one email me that they need another payment immediately because they can no longer continue this way. It has n't even been 3 days since I made one payment and I had already scheduled a payment on the 4th as well for XXXX for the 15th which would then put my passed due payment at XXXX which is less then the monthly car note which is XXXX. Every week I get a message that I 'm on the verge of a repossession when I 'm making payments and staying in contact with them. I work XXXX to XXXX XXXX which is the time they try to contact me and I can not contact them back which I 've told them but if I do n't contact them right away they state they are putting my car for repossession.
Product: Credit reporting or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with Experian and XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$380.00} XXXX XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX SXXXX XXXX XXXX XXXX XXXX