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

I've had my American Express credit card since XXXX of XXXX starting from a Gold Card transitioning to a Platinum card within a 1 year time period due to my excellent payment history which I'm sure American Express will and should state. However in XXXX of this year ( XXXX ) my mom was on the brink of getting evicted so the funds I allocated to pay my American Express bill I utilized to assist my mother to ensure her living arrangements weren't jeopardized. I stayed in communication with American Express multiple times in XXXX and contacted them on XX/XX/XXXX to set up payment arrangements thinking this would be the best course of action to take. The agent I spoke to stated if I wanted the account to remain in " good '' standing then the best course of action was in fact to set up a payment arrangement. One arrangement for XX/XX/XXXX for {$1300.00} and the 2nd arrangement on XX/XX/XXXX for {$490.00}. On XX/XX/XXXX American Express drafted my account for {$1300.00} but merchant inadvertently billed my account on the same day from a mistake they made on their end which took more then 7 days to enter back into my account having more auto debits occur immediately after. I expressed this to American Express which they were still able to draft the {$490.00} successfully on XX/XX/XXXX. On XX/XX/XXXX when I logged into my XXXX report I noticed that American Express reported my account 60 days delinquent. However when I called American Express that same day ( XX/XX/XXXX ) the representative I spoke to said if I would have set up my payments as a " Promise To Pay '' other then a " Payment Arrangement '' then that would have prevented my account from being reported. I shared with the representative when I was on the phone with the prior representative on XX/XX/XXXX the only alternative recommended was a payment arrangement not a " Promise to Pay '' which I even shared that all of the calls are recorded and monitored so please play the call back and you will see I am stating the truth because American Express records every call. I even stated, logically it doesn't make any sense for me to set up an arrangement if a " promise to pay '' alternative ( which was never shared with me on that call ) would have been the best course of action. On that same call ( XX/XX/XXXX ) the rep and I set up an agreement for {$500.00} for the dates XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX sharing that my account was still active and not cancelled. Giving American Express the benefit of the doubt I waited more then 72 hours requesting to speak to a supervisor when finally calling again on XX/XX/XXXX making a payment of {$870.00} ensuring that I obviously have full intentions to keep my account in the best standings while still requesting to speak to a manager to rectify the fact that I was told invalid information on how to handle my account accordingly. Not to mention my account history as a whole never showed the trajectory of a negligent customer.
Product: Credit reporting or other personal consumer reports

Im the victim of Identity Theft an unknown hacker compromised my information and have incurred auto loans mortgage loans and lines of credit Ive sent in supporting documents for the last 6 years and the items still remain I Donot live in Texas my name is not XXXX XXXX XXXX My address is not XXXX XXXX  XXXX XXXX XXXX Texas
Product: Mortgage

XXXX XXXX sold my loan in XXXX to XXXX. XXXX XXXX sent me a goodbye letter stating XXXX was my last payment. XXXX sent me a bill for XXXX. I paid XXXX for XXXX and called XXXX XXXX and the customer service rep said XXXX will notify us and everything will be ok, it takes time. XXXX comes around and I get a bill from XXXX XXXX  I called customer service and they said XXXX will notify us and everything will be ok, it takes time. In XXXX a manager called me and told me I need to pay XXXX XXXX for XXXX. So I paid.I now have 2 mortgage payments ( {$6000.00} ) for XXXX and nobody wants to take responsibility. 

In XXXX XXXX XXXX send me to the Credit Agencies for 30 days late with a {$0.00} balance. I paid the bill in XXXX and the rep said nothing was going to be reported. 

Neither company will take responsibility and keep, pointing the finger and their customer service is worthless.
Product: Credit card

I am writing to formally dispute an entry on my credit report that appears to be both inaccurate and illegitimate. The entry in question pertains to LVNV Funding LLC, listed as a creditor on my XXXX credit report. 



Upon conducting thorough research via the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ), I confirmed that LVNV Funding LLC is not licensed to collect debts in the state of Virginia, where I reside. This is a direct violation of Virginia Code 6.2-1602, which prohibits any company from engaging in debt collection activities within the state without proper licensing. Collecting debts without a valid license is considered unlawful and invalidates the companys ability to enforce collection in Virginia courts.

Furthermore, the presence of this entry violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which requires that all information included in credit reports be accurate, complete, and verifiable. Since LVNV Funding LLC lacks the legal credentials to operate in Virginia, this entry can not be considered valid or verifiable. 



In light of this information, I am requesting that XXXX investigate this matter immediately and remove the inaccurate entry from my credit report. The presence of this entry is causing undue harm to my credit profile and financial well-being.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX TransUnion added a collection account XXXX XXXX XXXX which was improperly and falsely handle. Upon further research, this account was transferred/sold and I am no longer responsible for this account and never have been.Under 15 U.S. Code 1681b- Permissible purpose of consumer reports.

( a ) In General Subject to subjection ( c ) any consumer reporting agency may furnish a consumer report under following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
XXXX XXXX XXXX never gave TransUnion any written consent to report anything on my consumer report, No consent is identity theft. They have violated my rights as a comsumer and Im requesting legal action to remove this account immediately.

In Addition they have violated the Fair Debt Collection Practices Act as well.
Product: Debt collection

There is currently an account reporting on my credit report saying that I owe them, I am having a hard time getting the specifics of this account where and when. I have no idea where this account came from.
Product: Checking or savings account

The bank on where I have my accounts XXXX Bank of America ) in one of my checking account a withdrawal was bieng made for the amount of {$24.00} dollars every month since XX/XX/2016 without my authorization to do so, I became aware on such transactions three weeks ago because this bank sent me email of this malicious transactions, I report this directly to the bank fraud dept after that they came with an answer few days later that its realy was scam but they only want to be resposible for one year only, so what about the rest.
Product: Credit reporting or other personal consumer reports

Since 2020 I have contacted Experian requesting the correct reporting of my XXXX XXXX credit card ( last XXXX of # XXXX ). Account is not closed nor in bankruptcy. Account is open and current.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I have no clue how they got there. I always check my credit report regularly, but today, out of nowhere, there were errors. I even refreshed the page, hoping it was just a glitch, but nothing changed. The incorrect accounts remained. I really hope that the documents Ive submitted will be carefully reviewed, so I never have to go through this kind of worry again.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for immediate action to address your blatant violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., in handling my dispute regarding fraudulent information resulting from identity theft. Your failure to act is both unlawful and intolerable.

Violations of Federal Law 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Despite receiving my comprehensive dispute, including the FTC Identity Theft Report and supporting documentation, your agency has flagrantly failed to conduct a reasonable investigation into the fraudulent accounts. Ignoring evidence is not an investigation.

2.Failure to Provide Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) Under the FCRA, you are required to notify me of the results of your investigation within 30 days. To date, I have received no such communication. This complete disregard for transparency further underscores your negligence and lack of compliance with federal law.

3.Failure to Block Fraudulent Information ( 15 U.S.C. 1681c-2 ) You are legally obligated to block fraudulent information upon receipt of an identity theft report. By failing to do so, you continue to willfully allow the publication of inaccurate, damaging information in violation of my rights. 

Legal Precedents Highlighting Your Liability Your actionsor lack thereofare not without consequence. Courts have repeatedly held credit reporting agencies accountable for similar misconduct : XXXX XXXX TransUnion XXXX ( XXXX ) : Reinforced your obligation to conduct meaningful investigations beyond relying on furnishers data. 
XXXX XXXX XXXX, XXXX ( XXXX ) : Confirmed that credit bureaus may not shirk their duties by delegating investigations to furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : Demonstrated the severe consequences of failing to comply with FCRA obligations, including class-action liability and significant damages. 

Demand for Immediate Action I demand the following actions, without delay : 1.Conduct a thorough and reasonable investigation into the disputed accounts and fraudulent transactions.

2.Provide a comprehensive written explanation detailing your investigation process and results.

3.Permanently remove or block all inaccurate information associated with my identity theft.

Failure to address this matter within the FCRAs legally mandated timeline will leave me no choice but to escalate this issue. I will : File formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ). 
Seek damages through legal action, including but not limited to statutory damages, punitive damages, and recovery of attorneys fees, as permitted under 15 U.S.C. 1681n and 1681o. 

This letter is your final notice to rectify your violations. Your failure to comply will be viewed as willful non-compliance with federal law, and I will ensure that the consequences of your negligence are pursued to the fullest extent. 

Please remove, block or provide me with your investigation results in written form through the XXXX for this account : XXXXXXXX XXXX XXXXXXXX
Product: Credit card

Someone requested online to get a pre-approval for a Capital One credit card using my name and address. I received a letter today ( XX/XX/year> ) stating I submitted the request on XX/XX/year>. The letter further stated they can't approve me for a Capital One credit card. I never requested pre-approval for a card nor did I complete an application for one. 
I called Capital One Customer Service and informed them of this. They searched for an application with my phone number and said they could not locate an actual application. 

The letter I received had this Request ID : XXXX The letter was dated XX/XX/year>. 

I have the letter but am unable to attach it at this time as i do not have a scanner.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XXXX XXXX XXXX RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information. 15 USC 1681 ( a ) ( 4 ) 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : 1. My Full Legal Name : XXXX XXXX 2. My Address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above. 
My only Phone number is ( XXXX  ) XXXX Delete any and all other phone numbers. 
I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons. 
Delete all information in the employer section. 

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.

Please send an updated credit report once the changes are complete to my contact information listed. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX SSN : XXXX Sincerely XXXX XXXX
Product: Checking or savings account

On XX/XX/2021 I was made aware that checks that I wrote from my Wesbanco bank account on behalf of my XXXX XXXX, the XXXX XXXX XXXX, were stolen out of a blue postal service mail box in my neighborhood on XX/XX/XXXX, altered, and cashed for fraudulent amounts. While I have only ever written checks to XXXX XXXX vendors from that account for small amounts ranging from {$5.00} to {$150.00}, the following transactions were approved by XXXX XXXX XXXX XXXX as they were deposited into accounts in that bank : check # XXXX to XXXX XXXX for {$900.00} check # XXXX to XXXX XXXX for {$950.00} check # XXXX to XXXX XXXX for {$950.00} It is very clear from the check images that my original signature was not used and that they were tampered with. I filed a police report with the XXXX Police ( report # XXXX ) and the police confirmed there have been many cases of this fraud happening and I was not a singular case. I also filed a report with the U.S. Postal Service Inspector General, and filled out a fraud/forgery investigation form with the bank. 

The Postal Inspector 's information is below : XXXX XXXX Postal Inspector - Mail Theft U.S. Postal Inspection Service XXXX  Division XXXX ( Desk ) I have asked about the status of having my stolen funding of {$2800.00} refunded back into my account so I can fund my farmers market operations, and Wesbanco keeps informing me that I need to have some further evidence of what the original amounts on the checks had been before XXXX XXXX XXXX XXXX will reimburse Wesbanco, and then Wesbanco would reimburse me. 

I have told Wesbanco that my records show that I wrote the checks in alphabetical order ( 9 were stolen and only 3 were deposited ) and that would mean the original amounts and payees were as follows : XXXX 'XXXX XXXX - {$92.00} - XXXX XXXX XXXX XXXX - {$10.00} - XXXX XXXX XXXX XXXX XXXX - {$10.00} - XXXX All of vendors confirmed that they never got the checks I had originally mailed them. 

But XXXX XXXX XXXX XXXX is telling Wesbanco I need more evidence, which I simply can not produce because I wrote the checks quickly and did not mark them in a check register. 

I need help pushing this forward in order to continue to fund my farmers market operations and it seems to be at a standstill where XXXX XXXX XXXX XXXX does not want to pay for the fraudulent account that they held for XXXX XXXX ( s ). 

I believe other evidence would be to look at all other checks I have written on behalf of the market to review handwriting as well as notes - I have never written a check for " Labor, '' for example, and XXXX XXXX ( s ) is not employeed by the XXXX XXXX XXXX.
Product: Vehicle loan or lease

My name is XXXX XXXX. 
I was shopping for a car at XXXX XXXX 
My credit was ran and I was only Approved for XXXX. Loan for car. 
I called the American Credit car loan company on my car to ask for the details On my car loan. I feel im being overcharged for the loan because I was only approved for XXXX and my ending charge off is higher than what I agreed to also its more than the car is worth.
Product: Money transfer, virtual currency, or money service

Saturday XX/XX/XXXX and Sunday XX/XX/XXXX trying to link my TD Bank Account to my XXXX XXXX cyber currency account and perform a test sell. The cyber currency needs to be liquid to be viable.
Product: Debt collection

I am writing this complaint to dispute the information on my credit report related to an alleged debt with your company. Your records indicate that I legally owe you money, and I am willing to address this matter under the condition that you provide the following documentation for the purpose of debt validation : 1. Validation of the debt, including the actual accounting ; 2. Validation of a signed invoice ; and 3. A copy of the contract binding both parties, namely myself and your company. I request that you provide the requested information in a letter sent by certified mail to ensure there is an independent witness to its delivery. I must emphasize that, as a victim, I am perplexed as to why the CRA is not complying with the law in this matter. I have raised concerns and disputes, and it appears that my requests are being ignored. I expect that your bureau conducts a thorough investigation into this issue. This account needs to be removed : XXXX XXXXXXXX XXXX XXXXXXXX XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

American first finance charges 139 % apr and only {$9.00} was applied to my principal and the rest to the interest. When I called the representative to ask about the apr she then asked if I would like to make a complaint. That is all the she said this kind of loan is extremely predatorily for low income familys.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are multiple issues on my credit report from Equifax and XXXX XXXX. There are several accounts that have been closed & in collections for years and have exceeded the timeline for which they can still be on a credit report still on my report. Amounts on several of my accounts are wrong. Personal information such as spelling of name and addresses are wrong. 
I have written and called this company more than once. They claim they will fix the issues but never do. 
There is 100 points difference in my score when you compare Equifax to XXXX. With Equifax being 100 points less.
Product: Credit reporting or other personal consumer reports

Please be advised that as of XXXX as listed on I, XXXX XXXX most recently reviewed XXXX, XXXX and XXXX XXXX credit report, there is an unauthorized / fraudulent account listed which should be Excluded from my credit profile : XXXX XXXX XXXX ( CLOSED ) XXXX XXXX. Having understood that this is a violation of 15 U.S.C.1681a ( 2 ) Exclusions : ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ;. Both together and separately, my consumer and privacy rights are being violated. The information should be confidential between myself and XXXX  XXXX XXXX. If you can not provide my written authorization, the aforementioned fraudulent / unauthorized account is to be removed from my consumer credit report and file IMMEDIATELY as their reporting has caused me and my reputation harm and discrimination. XXXX XXXX ( Without Prejudice )
Product: Credit card

In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor informed me that the bank is over 300 years old and is highly reputable, however, she said, XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so Barclays could not be blamed. I had called Barclays numerous times to complain about the bills they were sending me. No doubt XXXX XXXX and XXXX XXXX acted in bad faith by sharing my details without my authorization. However, the {$40.00} service fee can not be attributed to any other institution than Barclays. In 2015, XXXX XXXX announced that it was switching its credit card partnership from XXXX XXXX to XXXX. Before the switch took place, I decided I did not want to have a new credit card and asked XXXX XXXX not to share my data with the new company, Barclays Bank. Nevertheless, I received a XXXX in the mail. My details, including my Social Security Number, was given to Barclays without my authorization. Evidently this is legal. It should not be. In any case, I did not activate the card. This month, Barclays and XXXX XXXX fraudulently billed me {$40.00} for the annual fee for a card I never activated. I have spoken to Barclays, and the supervisor says she " waived '' the fee and closed the account. It is not clear to me whether my credit score will suffer. Had I not caught this billing for a non-existent card, my credit score may have dropped. The Barclays ' supervisor told me that the bank is over 300 years old and is highly reputable, however XXXX XXXX and XXXX had not indicated to the bank that I did not want to have a new card, so they were merely following up. However, the {$40.00} service fee can not be attributed to any institution other than Barclays.
Product: Debt collection

My problem is that Equifax isnt disputing anything on my records. XXXX XXXX XXXX XXXX collection reported XX/XX/XXXX assigned XX/XX/XXXX amounts {$450.00} account number # XXXX XXXX XXXX XXXX XXXX  reported XX/XX/XXXX assigned XX/XX/XXXX amount {$330.00} account # XXXX XXXX XXXX XXXX   XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$460.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$90.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$190.00} account # XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$100.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$1200.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$410.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$250.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$170.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$240.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX XXXX XXXX XXXX XXXX reported XX/XX/XXXX assigned XX/XX/XXXX amount {$150.00} account # XXXX