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

There is information that is on my consumer report that is there as a result of Identity Theft. I did not provide written permission or instructions for the identified transactions to be placed on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block this information is not being made in error : nor is my request to block this information being made on the basis of material misrepresentation of fact be me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer. See the identity theft report for more details.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account name and account numbers XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card

On XX/XX/2024, I called to report that a credit of {$170.00} had been issued on returned merchandise. Citibank absolutely refused to apply this credit on the monthly statement balance due of {$220.00}. 

The {$170.00} credit specifically is for the current monthly statement amount of {$220.00}. The customer service agent including the manager threatened that if the total monthly statement balance of {$220.00} is not paid, interest and penalty will be charged. This is exhortation of extracting money from the public. This can amount to millions being held by Citibank creating enormous ill-gotten gains for them. 

XXXX XXXX does not participate in such a practice as the credit amount is immediately subtracted from the current monthly statement balance due. Citibank needs to apply the same standard. 

Citibank needs to immediately apply the credit amount of {$170.00} against the current statement balance of {$220.00} instead of keeping an unjust gain of {$170.00} by forcing the customer to pay twice. 

Thank you in advance for your anticipated help with this matter. 

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

This is a follow up to a previous complaint, parties involved XXXX XXXX XXXX LVNV Funding LLC, and Resurgent Capital Services, LP. 

This account is in error and completely wrong, but here we go again. Attached please see the Satisfaction of Judgment. My ex-wife was served at XXXX XXXX XXXX XXXX XXXX, a home I have not lived in since XXXX, please see the attached Divorce filing from XXXX. 

LVNV hired a law firm from XXXX. The case was litigated in XXXX XXXX XXXX XXXX. I lost by default as I was unaware of the service, because I did not live at that location. The courts ordered my wages garnished and then provided a Satisfaction of Judgement to the law firm, please see the attached summary from XXXX. 

XXXXXXXX XXXX XXXX is not registered with the Secretary of State for the State of Nevada and not being registered as a XXXX XXXX XXXX, or otherwise it is illegal for them to transact any business in any state. 

It is not my debt, I have paid and they are continuing to harass me and cause me undo stress. I want this matter resolved and disposed of immediately.
Product: Credit reporting or other personal consumer reports

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



The Following Inquires are a violation of my consumer rights : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 addresses are also in violation of my consumer rights. I am attaching proof of my real address by way of my state issued drivers license XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX IN XXXX XXXX XXXX XXXX XXXX IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following alias listed on my credit report are a violation of my consumer rights : XXXX XXXX XXXX The following employers listed on my credit report are a violation of my consumer rights XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The following personal information listed on my credit report are a violation of my consumer rights 1988 15 USC 1681 section 602 A states I have a 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. 

15 USC 1681c ( a ) ( 5 ) no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 USC 168s-2 ( A ) ( 1 ) - Responsibilities of funishers of information to consumer reporting agencies.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 also filed an identity theft report with the Federal Trade Commission on XX/XX/XXXX, XXXX, report number # XXXX Fair resolutions Delete ALL accounts immediately Delete ALL addresses immediately Delete any alias immediately DELETE All Inquires Immediately
Product: Vehicle loan or lease

Ally XXXX XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 I reviewed my consumer report and noticed fraudulent inquiries. I reached out and contacted them about these inquiries and neither one can show me any authorization document where i authorized for them to run my consumer report. I need this removed as it is inaccurate and misleading information that has been damaging me constantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX at around XXXX PST, I tried to request my annual free credit report for Experian, I got this error message, '' XXXX XXXX XXXXXXXX We 're sorry A condition exists that prevents Experian from being able to accept your request at this time. 

To obtain your Experian annual credit report, please mail your request to the address below using the XXXX XXXX XXXX XXXX form. 

XXXX XXXX XXXXt XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX ''
Product: Debt collection

I received correspondence stating I owe this company money and upon inquiring what it is for they have not responded.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX MO XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX  XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$510.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous items in my credit file ; however, there are still many items that need to be FIXED. The credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XX/XX/XXXX XXXX, XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This claim is an adverse action and counter claim to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX claims that XXXX XXXX XXXX is the debtor The counter claim is that XXXX : XXXX could not possibly be the debtor due to what the law says XXXX : XXXX is in fact a living breathing woman who has pledged Allegiance to America ( unincorporated ) and shall not be with LEGAL NAME nor considered to be a " person '' " corporation '' " agency '' thus making any existing contract null and void. 

31 USC 1501 ( a ) An amount shall be recorded as an obligation of the United States Government only when supported by documentary evidence of ( 1 ) a binding agreement between an agency and another person ( including an agency ) that is ( A ) in writing, in a way and form, and for a purpose authorized by law ; and ( B ) executed before the end of the period of availability for obligation of the appropriation or fund used for specific goods to be delivered, real property to be bought or leased, or work or service to be provided ; ( 2 ) a loan agreement showing the amount and terms of repayment ; ( 3 ) an order required by law to be placed with an agency ; ( 4 ) an order issued under a law authorizing purchases without advertising ( A ) when necessary because of a public exigency ; ( B ) for perishable subsistence supplies ; or ( C ) within specific monetary limits ; ( 5 ) a grant or subsidy payable ( A ) from appropriations made for payment of, or contributions to, amounts required to be paid in specific amounts fixed by law or under formulas prescribed by law ; ( B ) under an agreement authorized by law ; or ( C ) under plans approved consistent with and authorized by law ; ( 6 ) a liability that may result from pending litigation ; ( 7 ) employment or services of persons or expenses of travel under law ; ( 8 ) services provided by public utilities ; or ( 9 ) other legal liability of the Government against an available appropriation or fund.

( b ) A statement of obligations provided to Congress or a committee of Congress by an agency shall include only those amounts that are obligations consistent with subsection ( a ) of this section. 
( Pub. L. 97258, Sept. 13, 1982, 96 Stat. 927. ) Counterclaim is that XXXX XXXX XXXX rebuts the assumption that XXXX XXXX XXXX XXXX  makes that she is a legal fiction entity/person/corporation XXXX : XXXX invokes her Florida ( unincorporated ) State ( republic ) Constitution Right to invoke Common Law Jurisdiction Let the record show forth that XXXX XXXX XXXX Mortgage has failed to comply with multiple Cease and Desist Orders, FCRA guidelines and policies, to follow and adhere to the T.I.L.A ( Truth and Lending Act ) rules and regulations.
Product: Consumer Loan

XXXX/XXXX/XXXX GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE GMFINANCIAL XXXX XXXX XXXX XXXX, TX XXXX XXXX Dear GMFINANCIAL, I recently pulled my credit report from XXXX, XXXX and XXXX and to my amazement, saw that you recently have decided to report me 30 days late on this account in GM FINANCIAL ACC # XXXX Late Dates : XXXX AUTO LEASE I immediately disputed this information with XXXX, XXXX and XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), as the information furnisher, you are required to notify me of the insertion of negative listings. 
Since I have disputed the lates with the credit bureaus, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. Under the FCRA, you are required to conduct an investigation on this account if I request it. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Furthermore If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 

I look forward to an expedite resolution of this matter Thank you. 

Sincerely, XXXX XXXX XXXX SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Credit card or prepaid card

During COvid-19 i didn't received the statement or the payment didn't applied quick enough. I was shocked when I reviewed my credit report and found late payment on XX/XX/2020 for 30 days. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am formally contesting any inaccurate or undocumented information found in my credit report, including unverified claims. I am exercising my rights under the FCRA and the accepted STANDARD of metro 2 data field reporting. The alleged delinquency and items lack factual proof, hence challenging their reportability. Federal and state laws require accurate and complete reporting of allegations, and it is inappropriate to report claims that are known or should be known to be unlawful.
Product: Prepaid card

This afternoon ( XX/XX/2023 ) I tried making an online purchase ( through XXXX ) with my prepaid AMEX giftcard, however, it was constantly being declined, so I tested it on another store ( XXXX ) and the same issue was happening. I tried putting my card information through XXXX and XXXX hoping to see a change, but neither worked. 
Through my attempts, my card was constantly deducted XXXX cents each time I attempted to make a purchase that didn't even go through. My intial amount of XXXX dollars became XXXX dollars because of my attempts. I called AMEX customer service which took me hours only to conclude that they have no current solution to this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Companies- XXXX XXXX XXXX XXXX . Account. XXXX. Line of credit for {$5000.00}. Since XX/XX/XXXX. 
XXXX  has not showed any proof of any type of investigation that I was late in the years of :XX/XX/XXXX-XX/XX/XXXX-XX/XX/XXXX. They will not investigate this issue. I have constantly have asked them and the 3 major bureaus to send me proof of documentation stating lates on any accounts I have with them. They will not answer. Please help CFPB
Product: Student loan

Hello, my student loans got transferred to from Great Lakes to NELNET earlier this year. Prior to the transfer, I had spent several years paying off the interest to my loans down to {$0.00} and only paying off the principal balance before the student loan pause due to COVID-19. I received an email earlier this year that my loan was being transferred to NELET and that nothing was going to change with my account.

After the transfer was complete, NELNET added an interest to my account. Reminder, I had been interest free for a couple years!

I called NETLET To understand why interest was being accrued again when I had been interest free prior to 2020. They were not able to give me a good reason at first. I called several more times through the summer and then again last week. From that last conversation with the representative at NELNET, when the transfer from great lakes to NELNET happened, NELNET was able to start charging me a daily interest rate and that it was included in a master promissory note ( That I never agreed too ). I was shocked at this and immediately filed a case with the studentaid.gov website for student loans.

I am reaching out to all my congressional representatives as well as Department of Ed OMBUDSMAN, CFPB and anyone else you can recommend. I am planning to continue paying my loans ( even with the interest, however I don't believe this right, under any circumstance and that I am being taken advantage of. I believe NELET is doing wrong. I am unsure what my actual ask is, but that I need some help and support in reaching the right people to understand how they are able to do this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX. The current status should not be showing late because I think I paid on time. This just proves that TRANSUNION Credit Bureau lacks proper record keeping. Lets correct this immediately. The Bureau is required to verify for them, but they failed to neither verify nor update me about these complaints. Provide documentation that the Bureau has not abrogated my rights by reporting false information, otherwise remove these accounts immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I came across my credit report recently after I have filed a dispute in regards to incorrect items on my credit report with Caine & Weiner and it was removed on or around XX/XX/XXXX however ; this account has reappeared back on to my XXXX  credit report despite the fact that its against the law to replace a negative item back on to my credit report after it was removed.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and would like the following items removed from my Equifax report. 

SECURITY FINANCE FINGERHUT
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SECOND time disputing these negative account on my credit report. I have a legal right to dispute anything on my credit report that was not authorized by me. I AM NOT ANATTORNEY OR THIRD PARTY REP. The accounts are not mines : -XXXX  # XXXX -CREDIT FIRST XXXX XXXX # XXXX -DEPT OF ED/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX -DEPT OF EDUCATION/XXXX # XXXX XXXX OF EDUCATION/XXXX # XXXX -XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

These names on my credit report are wrong and not mine. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These addresses never lived at. And are wrong. 

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX. 
XXXX, Tx XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, Tx XXXX These employers never worked at. 

XXXX XXXX XXXX  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 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 informations inaccurate. 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 letter is to inform you that I am disputing your companys references on my credit report because of the lack of completeness and/or accuracy. 

I recently disputed this account with the credit reporting bureaus, and the information was reported as verified and accurate. Unfortunately, credit bureaus often use software that does not complete thorough investigations. 

I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : This account is not mine, and by you reporting it on my credit report without my consent is identity theft and you are obligated to delete this negative account from all credit reporting agencies no later than 4 days pursuant to FCRA 605B. 

If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form 3800 receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.
Product: Checking or savings account

Online secret shopper scam, i was sent a check placed it in my account then my back initially cleared the check i withdrew the funds and distributed them as directed then my back changed and placed a hold on the check and then ultimately declined the check leaving me XXXX in the red in my account