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

XXXX XXXX is a third party LLC who take information from Secondary companies and post it to their website against the ORIGINAL CREDITOR knowledge. 
XXXX XXXX is committing AGGRAVATED identity theft. 
XXXX XXXX is committing FRAUD and related activities in connection with identification documents, authentication features and information, KNOWINGLY! 
XXXX XXXX does NOT have permissible purpose. 
All of these violations stated above are just a FEW laws that XXXX XXXX has knowingly violated. 

I, XXXX XXXX am the original creditor. 
I, XXXX XXXX am the only one who dictates what goes on my consumers credit report. 
I, XXXX XXXX did not and never will give XXXX XXXX my written consent to report anything negatively to my consumers credit report. No consent is IDENTITY THEFT! 
XXXX XXXX retrieved information from someone else other than myself, which is FRAUD! 
XXXX XXXX has sent emails from TRANSUNION, XXXX, XXXX credit bureaus FOR XXXX XXXX. 
All parties are liable and are in connection with committing numerous codes in which they have knowingly violated. 

XXXX XXXX, as a consumer I am demanding you to please send me a copy of my handwritten letter giving you my written instructions to report any of this to my consumers credit report. You can send me my handwritten copy to : XXXX A copy of a FEW of the laws that you violated will be attached to this letter. 

XXXX XXXX is abusing their companies by committing numerous of crimes. 

XXXX XXXX, you have stolen my identity along with every other second LLC. 
You are in violation of the following codes : 15 USC 1681b ( 2 ) 18 USC 1028 15 USC 1602 ( a ) ( b ) & ( g ) 15 USC 1681 ( a ) ( 4 ).

XXXX XXXX has to be stopped!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to express my deep concern regarding the repeated violations of my federally protected consumer rights under the Fair Credit Reporting Act ( FCRA ) by, Tra nsUnion, and XXXX Credit Bureaus. These violations have caused significant harm and distress, and I am seeking compensation in accordance with the provisions outlined in the FCRA. Here is a copy of the letter sent to the Bureaus. It has been over 30 days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, TransUnion, and XXXX have 30 days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation.

I have all the evidence attached below.
Product: Debt collection

Either XXXX or Sallie Mae calls me 10 to 15 times per day. There's a man named " XXXX '' that keeps calling -- he knows my circumstances but apparently doesn't listen and doesn't want me to eat. The only money I have coming in right now is money from the government. XXXX is trying to take that money and is threatening a freeze on my only account. He's also threatening a freeze on my mother 's accounts. This guys is AWFUL and does not work with you on anything. // || \ ***My son has been fighting XXXX since XX/XX/2016. He's undergone XXXX, has an XXXX XXXX  above his XXXX, requires frequent trips to the hospital for XXXX XXXX, and ***these XXXX XXXX XXXX have not given me a single ounce of sympathy!!! *** If they need pictures, I have pictures! I have video, too! Do they want his XXXX XXXX, too? I'd LOVE to send those to XXXX! To add insult to injury, ***I LOST MY JOB, TOO*** How did XXXX respond ? " That's not my problem ''. You can't make this stuff up, folks.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened up a dispute for an account that does not belong to me and it was blocked for few days and returned to my credit again i verified that the address they have on file and on my credit report does not belong to me and i disputed it so creditor just sent the card to address that is not mine and someone used the card and now the card is in closed status on my credit report and has a balance on it that they are helding me responsible for when clearly i sent them proof and ftc report that i dont have anything to do with that card
Product: Checking or savings account

SoFi XXXX offered a promotional bonus to convert from their " Money '' account product to their new " Checking and Savings '' accounts. The bonus terms require direct deposits totaling > $ XXXX within 30 days of the account conversion for {$300.00}. I satisfied the direct deposit requirements but have not received my bonus. 

XXXX : I receive a marketing email about the bonus and save it as a PDF XX/XX/XXXX : I navigate to the promotional terms as shown on their website and save it as a PDF before enrolling XX/XX/XXXX : I convert my " Money '' account to " Checking and Savings '' XX/XX/XXXX : I receive a {$4600.00} direct deposit from my employer ( XXXX ) into the account XX/XX/XXXX : I receive a {$4200.00} direct deposit from my employer ( XXXX  ) into the account XX/XX/XXXX : Having still not received my payout, I contact their customer service via " Live Chat '' and am told : " SoFi XXXX members who previously received a bonus for enrolling in direct deposit do not qualify for this promotion ''. These terms were NOT present at the time I enrolled in the bonus- they were retroactively added by SoFi well after my enrollment.
Product: Debt collection

on XX/XX/2019 I submitted a complaint with the CFPB asking Orions Management Group , LLC to validate the alleged debt in the amount of {$650.00} that is reflecting as negative against my name and social security number with all three credit reporting agencies. On XX/XX/2019 Orions Management Group , LLC responded to my complaint by stating the debt was indeed valid and belonged to me They responded by saying " Orions Management Group , LLC is licensed in Texas and have attached the proof. I have also attached the proof of the original Loan File when he consumer received the loan. We have not violated the FDCPA in which the allegations are made here. Orions sent the 1st Notice letter by law which a copy will be attached. The Chain of Title is XXXX to XXXX XXXX XXXX to XXXX XXXX XXXX XXXX to Orions Management Group , LLC. We have done everything correct by the FDCPA and FCRA. We own the debt and therefore we are reporting as a collection account. This account will not receive and calls it will remain unpaid in a cease and desist status. If there is any further questions that pertain to the debt I can be reached at directly XXXX XXXX XXXX. '' I received a contract that bared an electronic signature and not my WET signature allegedly obtained through my personal email. I would like to know where exactly the furniture ( sofa ) outlined in the contract with XXXX was delivered to, as I never received the furniture outlined in the contract with XXXX. Although, I have done business with XXXX XXXX, the orginal creditor with which the contract with XXXX was initiated, it was through XXXX XXXX and not XXXX. This account is fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have leased  a  XX/XX/XXXX    XXXX   XXXX   sin  ce  XX/XX/XXXX . My monthly payment is  XXXX . I requested a deferral of two of my lease payments for the months of  XX/XX/XXXX  and  XX/XX/XXXX . On  XX/XX/XXXX  and  XX/XX/XXXX , I paid two deferral fee 's of  XXXX  each. I was told that the payments for the month of   XX/XX/XXXX  an d  XX/XX/XXXX  would be added to the end of my lease. My credit reports show for the month of  XX/XX/XXXX and  XX/XX/XXXX that I am 30-59 days late. I also made two payments on my lease i n  XX/XX/XXXX  with the final payment being made on  XX/XX/XXXX  and   XXXX   reported me 3 0-59 days late the same day that my payment posted. I have asked the credit dispute department to remove these items from the credit bureau 's. They did remove the marker for  XX/XX/XXXX  but de clined to do anything further. This is impacting my life. I have now had  XXXX  of my older credit cards reduce my credit limit by  XXXX  dollars due to the way  XXXX  has reported.
Product: Debt collection

My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX, XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX   XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number:XXXX. Please remove phone number that doesn't belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : ENHANCED RECOVERY COMPANY- account # : # XXXX, XXXX XXXX XXXX account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Received a XXXX XXXXXXXX XXXX credit card in the mail for an amount {$6000.00}. I notified XXXX XXXXXXXX XXXX I did not request this and they did close it. But when I asked to have removed from my credit report they refused. I did advise them that I have a Fraud alert and a credit Freeze on all XXXX credit Bureau 's. XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2020 I received from Barclays Bank a promotional offer for my XXXX XXXX credit card. ( Email of the offer is attached as a file : ATTENTION : Upload function does not work on your website. ) It offered to transfer up to 90 % of the customer 's available credit line either as a balance transfer or as a deposit directly into the customer 's bank account. 

I subsequently set up a transfer from the card to my checking account on the Barclays/XXXX  XXXX website. 

Shortly after making the transfer, I realized that I had transferred into my non-preferred checking account. 

I called customer service and asked if I could cancel the transfer and re-institute the transfer to my preferred checking account. The customer service representative assured me that that would be no problem. I only had to wait 24 hours to re-do the transfer. I asked several times for her to reconfirm that I could subsequently make the transfer and was assured that it would be no problem after 24 hours elapsed. 

I waited 24 hours and then attempted to make the transfer on the Barclays/XXXX XXXX website but it blocked me from making the offered transaction. 

I called customer service for the account and was told that because I had cancelled the first transfer that the offer was no longer valid. They told me that the customer service representative had given me incorrect information. 

This situation is no fault of my own. If I had known this would be the result I would not have cancelled the initial transfer and let the funds go into my non-preferred checking account. 

Please ask Barclays/XXXX XXXX to correct this unfair situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report, and noticed charges that were not mine. I was told to file a police report. After jumping through all of the hoops to do that, which we followed exactly, the unauthorized accounts were said to not have been removed. I FILED A POLICE REPORT and showed it as proof of me having this terrible issue, and so many accounts are still reporting negatively and ruining my life. Ive reached back out to fix the issue, and not having any luck. This is literally ripping me apart, and i dont know what else to do.
Product: Debt collection

I have a collection from XXXX XXXX XXXX for 1 month of coverage after I cancelled my policy with them changed insurance companies. I called them and cancelled my policy and forwarded them my new insurance information all before my due date for the month in question and they billed me regardless and have been reporting a collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, sent a letter to Equifax but Equifax says 'my proof of identity does not match the information on my credit file '. 
This CFPB complaint serves as my proof of identity, as well as proof that my credit file is NOT accurate as Equifax just admitted to information not matching
Product: Credit reporting or other personal consumer reports

I am writing to address a pressing issue regarding the unauthorized disclosure of my credit information. Safeguarding my personal data is paramount to me, rooted in my upbringing and values that prioritize privacy and consent in sharing sensitive information. 
According to the Fair Credit Reporting Act ( FCRA ), particularly 15 U.S. Code 1681b - & quot ; Permissible purposes of consumer reports, & quot ; consumer reporting agencies must adhere to stringent guidelines to protect individual privacy. This statute stipulates that such agencies can only release consumer reports under specific conditions, primarily requiring explicit, written consent from the individual concerned. 
It has come to my attention that my credit information has been shared by your agency without my authorization, directly violating section 15 U.S. Code 1681b ( a ) ( 2 ). This section explicitly mandates my written approval before disseminating my credit report. 
The absence of my consent in this instance not only breaches federal law but also disregards my fundamental rights to privacy and control over my financial information.
Product: Credit reporting or other personal consumer reports

Over the last 15 years I have had to protect my personal information due to my compromised/stolen information and continued efforts to open lines of credit, obtain goods and services all using my stolen personal information. On or around XX/XX/year> I discovered during a recent attempt to purchase a vehicle several accounts and portnetional additional accounts attempted to be be opened using my personal information. With the help of law enforcement they were able to determine eacha ccount that was opened fradulantly using stolen information. Based on the information provided and witht he assistance of law enforcement I was instructed to file a formal complaint with law enforcement along with otaining an affidavidt of forgery due to identy theft a Ca. Penal Code Violation 530.5 ( a ). In addition to law enforcements findings I was given a set of instruction including but not limited to sending all supporting documentation to all three credit bureaus for immedate " Blocking '' of the identity theft cases. On or around XX/XX/XXXX Equifax received the packet outlining the identity theft entries. During the review process Equifax failed to " Block '' one account which was verified by law enforcmeent as being opened on the internet with XXXX payments made. In addition they varified signatures and marked this account listed in exhibit A a identy theft. In addition there were several inquires and past addresses that have not been updated despite being outlined by law enforcement as fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not my account. Please remove from my report Ive been dealing with this well over 30 days. 

DEPT OF ED/XXXX XXXX DEPT OF ED/XXXX  XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX DEPT OF ED/XXXX   XXXX
Product: Checking or savings account

I have a XXXX XXXXXXXX XXXX with {$120000.00} in it. When I log into my Capital One online portal, the label on this account says : " Your funds are currently not available for withdrawal. Please call us at XXXX. '' I have called this number many times. Starting Friday XX/XX/, I spent 45 minutes on hold before I finally hung up after being transferred 3 times. On Saturday XX/XX/, I called 2 times. I was on hold for 35 minutes the first time ( after being transferred a bunch of times ), then I was on hold for 55 minutes the second time, after being promised that my call would be taken even though they stopped taking calls at XXXX and I had called at XXXX. 

Then I called on Sunday XX/XX/XXXX and got a general customer service person who told me the department I needed to talk to was closed because it was Sunday. 

I called on Monday XX/XX/XXXX and asked to speak to the fraud department. They said they couldn't find any information about why my account was " not available for withdraw '' and that they needed to transfer me to a different department ( which they refuse to tell me what this department is ) and that department is not in the office today because it's a federal holiday. I asked for them to mail me via US postal mail an explanation of why they have essentially stolen my money. They said that's not possible. The only way for me to get any more information is to continue calling and getting placed on hold for hours and getting hung up on and transferred all over the place. 

I'm starting to get the feeling that they are just giving me the run-around and have no intention of telling me why my account is " not available for withdraw ''.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXXXXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX : XXXX. Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided.I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, has violated my rights. 
1

5 USC 1681 Section 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 a account without my written instructions. 15 USC 1666B : A creditor ma
y not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
Product: Vehicle loan or lease

On XX/XX/22 I reached out to Carvana via their website to start the car purchasing process. I was instructed to download their app which I did. One of the first questions for new customers is whether your current vehicle is leased, financed, or owned outright. Carvana does not allow trade ins on leased vehicles which mine is. They did not need to pull my credit which is a hard inquiry to know that they would not be able to complete my request. This information should have been shared with me and this company should have been transparent with these facts as soon as they were given the information regarding my current lease. This was deceptive, and manipulative and I was told everything but the truth outright by this company. 

On XX/XX/22 I contacted Carvana and told them I did not wish to move forward and to void my purchase order. I also contacted XXXX and was told that I would have to reach out to Carvana to have the inquiry removed. I reached out to Carvana and they gave me a void transaction letter but told me that they would not be able to remove this inquiry. This has been a terrible experience that I would not wish on anyone.