23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX  XXXX XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, I contacted XXXX  XXXX to let them know was there anything I could do because due to XXXX my job hours were affected and the rep I talked to said they couldn't do anything but on their website, they have a customer assistance impacted by covid but couldn't remove my late payments. XXXX XXXX XXXX XXXX XXXX Date Account opened XX/XX/XXXX ; Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, I contacted XXXX  on XXXX to see if i could get my late payments remove and the rep said they will remove all late payments and make all current and paid, XXXX  XXXX : # XXXX Date Account opened XX/XX/XXXX ; Late payment XX/XX/XXXX, i contacted XXXX  and the rep said they will remove and also send an email and i never received the email to confirm and 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 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: Debt collection

I am writing to file a formal complaint regarding harassment and unfair debt collection practices by XXXX XXXX XXXX and their assigned attorney 's office, Slovin & Associates. Below are the details of my case : Background on the Loan and Bankruptcy Filing : In XXXX, I filed for XXXX XXXX bankruptcy, which was dismissed in XX/XX/XXXX. 
Following this, XXXX XXXX XXXX informed me on multiple occasions, through recorded phone conversations, that my balance for the auto loan on a XXXX XXXX XXXX was {$0.00} and that they would send me the title for the vehicle. 
After over a year of back-and-forth communication without resolution, I ultimately surrendered the vehicle to XXXX XXXX XXXX in XXXX under the understanding that the balance remained {$0.00}. 

Debt Sold and Harassment by Third-Party Collection Agency : In XXXX, despite prior assurances, XXXX XXXX XXXXXXXX sold the debt to a third-party collection agency. This agency began contacting me and harassing me about payment for the vehicle, including threatening wage garnishment. 
I subsequently filed for XXXX XXXX bankruptcy ( Case # XXXX ), which was successfully discharged. The company was notified of this bankruptcy proceeding by the court. 

Continued Harassment Post-Bankruptcy Discharge : On XX/XX/XXXX, I received another letter from Slovin & Associates ( XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) attempting to collect the discharged debt. 

Today, I contacted Slovin & Associates and spoke with an individual named XXXX, who was rude and unprofessional. She claimed I was being sued for the debt and refused to accept any information regarding the bankruptcy discharge. Instead, she demanded my updated contact information, which I declined to provide. I reiterated that the debt was discharged and that I do not owe it. 

Impact and Planned Actions : I have been subjected to years of harassment regarding this discharged debt. This ongoing behavior is not only distressing but also a violation of federal bankruptcy laws and fair debt collection practices. 

I intend to pursue further action against both XXXX XXXX XXXX and Slovin & Associates. In addition to submitting this complaint to the CFPB, I will file complaints with the FTC, my states Attorney General, and the U.S. Trustees Office. I will also consult with my bankruptcy attorney regarding the possibility of sanctions against these companies. 

I request your assistance in investigating these practices and ensuring that XXXX XXXX XXXX and Slovin & Associates comply with federal regulations. Please confirm receipt of this complaint and advise on any additional information or documentation you may require.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXXXXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXXXXXX 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 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: Debt collection

Hello, I was looking over my credit report and noticed a negative reporting from LVNV FUNDING LLC on my credit report for an amount of {$640.00}. The original creditor was named on my credit report as 01 XXXX XXXX XXXX REWARDS and state that it was opened on XX/XX/XXXX ( 5 mos ). This is not my account and if so it was a result of Identity theft. I want for review the original contract with my original blue wet ink signature for verification.
Product: Debt collection

XXXX XXXX XXXX  a private independent company association with XXXX XXXX XXXX XXXX XXXX. Is attempting to collect a debt that is not owed by myself for years not contracted with them. Home owners insurance for XXXX for years of XXXX XXXX. My home was sold in XX/XX/XXXX. There was no contract with neither company XXXX XXXX XXXX XXXX in Illinois. This leads to be something fraudulent towards my credit. This debt was reported to a collection agency TSI debt collection. Spoke with TSI and they claim there is an attempt to collect for their client XXXX, however they have no number or information for me to call to follow up why they have my information and the attempt to collect money not owed. Everyone is pointing fingers to one. Again this is an attempt to collect money that I do not owe. I believe there is a fraud attempt on my credit.
Product: Debt collection

They have called my work multiple times, XXXX XXXX ( or XXXX XXXX? ) With Creditors Specialty Northwest. I work for a government agency and told them they can not call here. Last month I submitted another complaint against them, because they called my cell phone 2 times in 10 minutes, and my work during that same 15 minutes. Just now at XXXX XXXX they called my work again, and my coworker answered. They called twice and my coworker told them it is absolutely not appropriate to be calling my work place.
Product: Credit reporting or other personal consumer reports

The bankruptcy information currently displayed on my credit report is not only incorrect but highly misleading. The case purportedly indicated as valid and accurate is unequivocally incorrect. There has never been a case brought before a judge, and consequently, there is absolutely NO JUDGMENT associated with it. The absence of a judgment signifies the absence of a casea fundamental legal principle seemingly overlooked in your reporting. 
It perplexes me how a case that was never presented in court is now being reported as valid on my credit file. I insist that this erroneous account be immediately removed from my credit report. Failure to address this matter urgently will leave me with no alternative but to pursue legal action. Please be informed that I have already sought advice from my attorney, and if this issue persists beyond 30 days from the date of this letter, federal action will be initiated against the responsible party. 
XXXX XXXX XXXX CA XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Please remove hard inquiries 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 

XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX ( XXXX, XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX, XXXX ( EQUIFAX ) 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 an account without my written instructions 15 U.S.C 1666B ( a ) : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose The accounts with XXXX XXXX XXXXXXXX XXXX and XXXX XXXX, ALSO happen to be fraudulent, and the credit reporting agencies refuse to comply. I need IMMEDIATE compliance after failure to comply in previous disputes. To verify that an address listed on my
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged by XXXX XXXX for {$200.00} on XX/XX/23. My cycle, per conversation I had with XXXX and XXXX on XX/XX/23, ends on XX/XX/XXXX. XXXX XXXX said Capital One didn't report a balance to credit bureau because there was no bill due. Transaction occurred after the cycle date. There was no statement produced. He then stated that the credit bureau agencies are the ones that posted that info. When I told him that the credit bureau can not post something without the agency informing them of the balance he then placed me on hold and came back and stated that capital one did not post anything to the credit bureau and that the credit bureau was wrong I requested 3 times for it to be updated to the credit bureau showing the balance to be XXXX. The balance was reported prematurely I paid the balance off on the XXXX. 
I requested a supervisor after he told me that it was out of his hands and there was nothing that he could do to have it updated that my balance was XXXX. When I spoke with XXXX who was The alleged supervisor he informed me of the same thing. That there was no statement due at the time that the transaction posted and that capital one never posted the amount for the {$200.00}. And that the credit rules were incorrect in posting that because the balance should oppose it as XXXX which is what capital 1 was posting for XXXX. However he places me on hold returns back to the call and then informs me that capital 1 posted the amount for the {$200.00} because that was the Amount on the date in which they posted. After repeatedly telling me they didn't post the transaction. He then stated that capital one reports all high balances. This is the discrepancy because I have another credit card with capital one with a {$1000.00} balance I have maxed out and paid off within the same month turned around paid it off.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent inquires : 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 XXXX/ XXXX XXXX/XXXX XXXX/XXXX/XXXX : : All this inquires on multiple occasions are fraudulent.
Product: Credit reporting or other personal consumer reports

TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my credit report is the result of that trafficking. 


XXXX XXXX XXXX XXXX XXXX  XX/XX/year> XXXX  XXXX XXXX XXXX  XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XXXX XX/XX/year> I declare that I am a victim of trafficking as defined by : Federal Law ; The Trafficking Victims Protection Act ( 22 U.S.C. subsection 7102 ) Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Debt collection

I received a debt collection letter from you. Do you have the right person? Please supply me with a contract or agreement signed with your company or the Creditor. 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 

PERMISSIBLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this. 

IF YOU PASS THIS ON TO ANOTHER COLLECTOR I dispute I owe this debt to you. 

If you pass this on to another debt collector, please provide them notice of my dispute to owning this debt. Thank you for your immediate cooperation.
Product: Debt collection

I have called and spoke with their representatives over the phone countless times. All of the contact and personal information they have on file for me is inaccurate. I sent a letter on XX/XX/XXXX and XX/XX/XXXX  to all three credit bureaus requesting they ask for documentation to confirm the validity of the debt. As a response to all of my disputes I have not received any proof of ownership. The company is claiming I defaulted on a lease from XX/XX/XXXX. However, at that time I was a college freshman living in an on-campus dorm at XXXX XXXX University. There is no way I would have been able to be financially responsible for an apartment or even provide proof of income because I was a full-time student. This company has damaged my credit for years without my knowledge. I have only recently become aware of this issue because I am currently attempting to get my first place and checked my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, On XX/XX/XXXX I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the original account holder and XX/XX/XXXX. XX/XX/XXXXdidn't investigate or provide me any prove this was my account. There failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

I demand the following accounts be verified or removed. 

Name of Account Account Number Provide Physical Verification XX/XX/XXXX XXXX Unverified Account
Product: Checking or savings account

Hello so my name is XXXX XXXX I was born mute and deaf so I invested in this company called Groundfloor finance with {$230000.00} usd but after my account number was changed which the money came from due to other things someone was trying to take money from it so I request for my account number to change which is a XXXX XXXX XXXXXXXX. But now I want to withdraw my money they are saying it have to be the same account with the same account number in order to withdraw my money which that cant happen because my account number is different. They asked for documents which I provided that is my Passport and selfie of my holding my passport and bank statements for both new and old a account so they said okay everything is fine and I can add any bank account now so I add my community federal savings bank so after I try to withdraw money to it they said I cant withdraw money but I said I explain everything that my account is changed and u guys asked for documents and said I can add any bank of my choice which I did now I cant get back my money. They closed my account and I cant communicate with them and they still have my XXXX now and I cant have access to my money they steal my money and they still have my money. I need my money and u need help!! 


The name of the Company is call GROUNDFLOOR FINANCE Phone Number : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My daughter XXXX XXXX and I XXXX XXXX have fraud to report about a company furniture was sent to my address in my daughter 's name that we didn't want to be sent to us we tried reaching out to XXXX which is a lease company to come and pick up this furniture I also made a police report XXXX said they can't pick up the furniture because this is a fraud investigation my daughter never placed this order and XXXX said its in her name from a company called XXXX XXXX and XXXX XXXX said that this furniture order was placed by XXXX XXXX XXXX didn't give permission for the seller to use XXXX 's identity or myself. The items were sent to my address in XXXX ga my daughter XXXX lives in Minnesota and was never in possession of the items. XXXX says these were leased to XXXX XXXX we never gave the seller at winder mattress permission to use our identity. XXXX reported on my daughter XXXX 's credit report that a balance of XXXX is needed and is past due. I have filed a police report and we are disputing this on our credit and we want the furniture removed from the property. XXXX needs to know that my daughter never placed this order
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to XXXX to trade my current XXXX which Im leasing and wanted to purchase and was not approved. There are items on my credit that are not mine. Please have these items removed from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below, continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

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

Navy federal credit union will not give me my money back for unauthorized charges on my account from my identity being stolen and my card numbers. This person overdrawn my account twice one for XXXX and one for XXXX they credited the XXXX but not the XXXX which then made the credit unavailable to me. Still fighting to get my XXXX $ back. When i went through the whole process needed to get my money back. There investigator needs to really take unauthorized charges into serious consideration as this happens to many people and its not okay.
Product: Credit reporting, credit repair services, or other personal consumer reports

About six months ago, a remark was placed on my credit report that my mortgage was under a non-govt loan modification. My loan is not under a modification. The confusion seems to be that back in XX/XX/XXXX I was offered an interest-only loan modification provided by the mortage company, NationStar, which I accepted. This modification was for a period beginning XX/XX/XXXX and ending XX/XX/XXXX. No further modifications have been applied for or granted on this loan. My dispute is that the remark that my loan is under a non-govt loan modification is a false statement and fraudulent credit reporting. I have no dispute with the reporting of payment history. This is my only dispute with them is the remark placed on my account six months ago for an event that begin 8 years ago and ended more than 6 years ago.
Product: Credit reporting or other personal consumer reports

I recently checked my credit report and noticed hard inquiries from [ list the companies, XXXX XXXX, XXXXXXXX XXXX XX/XX/year>. I did not authorize these inquiries, nor did I apply for credit with these companies. 

I believe these inquiries may have been made in error or fraudulently. I request an investigation and the removal of these unauthorized inquiries from my credit report. 

Please provide any information you have regarding these inquiries, including details of the applications submitted. I appreciate your prompt attention to this matter.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles mishandling of my disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. I was informed my funds were lost and impossible to retrieve. The lack of accountability is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

My Equifax credit report shows to hard inquiries from XXXX XXXX, dated XX/XX/2020 and XX/XX/2020. I do not know this company and have never dealt with it or authorized it to get credit information about me, but Equifax gave out my credit info and marked my credit report with XXXX hard inquiries, which has hurt my credit score unfairly and illegally. I have tried to dispute this via Equifax ' own website and toll-free phone number, but have gotten no one there to even recognize my complaint, much less to fix my credit report. They tell me I should contact the company -- well, that's an offensive joke, since this was a fraudulent request from a company that I don't know how to reach and that won't do anything even if I did.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I let the company know that a fraudulent check was deposited in the account that i had at the time and informed them that it wasn't me who deposited the check literally the next day, and they said that they'll handle it, so they closed the account for securty reason and stated that i can reopen another after the situation was handle, then they mad it seem like i was the one causing the fraudulent activity on the accont and then put on my consumer reoprt and reported for suspected fraud activity as if im the reson for i, and now it affrecting me from opening a bank account with anyone