23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 
This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent.

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"
Product: Checking or savings account

I opened the savings account XX/XX/XXXX. There is XXXX dollars plus the 4.5 % interest in the account from my XXXX XXXX checking account. I received a Letter from Marcus Goldman Sachs about them closing my savings account dated XX/XX/XXXX saying to transfer money before XX/XX/XXXX when the account closes. I tried to log on to my account and it says its locked today on XX/XX/XXXX. On XX/XX/XXXX On the phone for 37 minutes with multiple people saying they cant unlock my account or wire transfer my money from the account saying I needed to call back and talk to some one else.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX 's inaction violates federal law my rights as a consumer.
Product: Checking or savings account

On XX/XX/XXXX, I opened up a Chase Checking account with a bonus offer of {$300.00} if I had made a direct deposit of {$1500.00} or more into the account within 60 days. On XX/XX/XXXX, I made a direct deposit for {$1500.00}. Today is XX/XX/XXXX, and I still have yet to receive the bonus I was promised for meeting the conditions when I signed up for the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A VICTIM OF IDENTITY THEFT, THE INFORMATION REPORTING TO MY CREDIT PROFILE IS INFORMATION THAT I HAVE NO RELATION TO, NOR HAVE I EVER HAD A ACCOUNT WITH THIS CREDITOR. I HAVE CONTACTED THEM AND THEY HAVE FAILED TO PROVIDE ME WITH ANY ORGINAL SIGNED CONTRACT STATING THAT I OWE A DEBT TO THIS COMPANY UNDER FCRA SECTION 609A. UNDER FCRA SECTION 605B AND 609E, FRAUDULENT INFORMATION MUST BE PERMANENTLY DELETED FROM A CONSUMERS CREDIT PROFILE WITHIN 4 BUSINESS DAYS OF RECEIPT OF THIS INFORMATION. THIS IS A DIRECT VIOLATION OF THE CONSUMER LAW AND I WILL BE FOLLOWING UP WITH EACH AGENCY TO ENSURE THIS MATTER IS TAKEN CARE OF IN A PROMPT MANNER. I HAVE CONTACTED MY ATTORNEY AND PLAN TO FILE A LAWSUIT AGAINST ANY AGENCY INVOLVED IN REPORTING FRAUDULENT AND UNVERIFIED INFORMATION TO MY CREDIT PROFILE. THIS HAS CAUSED ME DISTRESS AS WELL AS RUINED MY CONSUMER FILE. THE FOLLOWING ACCOUNT IS FRAUDULENT : XXXX XXXX XXXX XXXX XXXXXXXX {$190.00}. FAILURE TO COMPLY WILL RESULT IN A LITIGATION PROCESS. PLEASE REMOVE ALLL NON-ACCOUNT HOLDING INQUIRES THAT HAS NOT BEEN VERIFIED VIA ORIGINAL SIGNED CONTRACT.
Product: Mortgage

My mortgage was sold to another company. When I inquire about PMI insurance they are stating that the purchase price was XXXX when in fact the original purchase price was XXXX through my original mortgage company so they are not counting the {$29000.00} I already paid into the mortgage. I feel that I do have 20 % invested into the house and I have never been late on any payments.
Product: Debt collection

This is a secured debt of a mortgage company that agreed to receive deed in lieu of my outstanding balance but they continue to list this debt on my credit report and negatively affects me to borrow money.
Product: Debt collection

LVNV Funding LLC has tried to collect a debt and I sent out a letter asking them for proof of the debt because the amount they were requesting was higher than the debt. I told them not to contact me via phone and I did not receive any information about the debt they were trying to collect or proof on the amount. I have this on my credit report and I did not get proof as to what the debt being collect or amount was for so I do not know if this is my debt or not. Company did not send me any information therefore I do not believe it should be on my credit report.
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. 

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 a consumer to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Navient is contacting family members who are not in my household with unlisted, unreported numbers in disregard of the FDCPA authorization of third-party allowances. They identify themselves as being from Navient and are attempting to reach me. XXXX XXXX at XXXX is claiming 2 family members as contact references that I know are not included on my contact list.
Product: Debt collection

I believe the account is invalid. LVNV FUNDING LLC. needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed item then I require the account to be removed from my credit & their records. 

LVNV FUNDING LLC XXXX, LVNV FUNDING LLC XXXX
Product: Student loan

When I was a young XXXX. Sorry, I grew up in the XXXX so my learning curve was a bit higher than those with access to a normal environment, transportation, clothing, school supplies, etc. 
I was n't taught much about college where I grew up. I joined the XXXX when I was XXXX. I realized when I was XXXX that I could actually go to college and growing up less fortunate and in poverty does n't exclude you from college. That was about all I knew. I was still learning how to maintain my finances and everything else adult like. 
When I started looking for colleges I did n't know much about accreditations, etc. I ended up signing up for an expensive school that was for profit. They did their best to push loan after loan on me, then eventually hit me with the, " You ca n't afford school anymore and ca n't get more loans. Can you ask a family member? '' I asked my brother to cosign for me ONLY so I could continue with my schooling to hopefully make something of myself someday. Well years later my interest rates have gone from 1 % to about 9 % and I am in and out of school so these loans hit my credit whenever I am out for a month or more. Each time they drop my credit score drastically, which I am trying to fix ( post bankruptcy ). So this kills my chances of ever being a contributor to my economy, it prevents me from EVER being a homeowner. I ca n't afford to pay the loans as I have more than one, plus I was trying to finish school before paying them off. With my interest going up 8+ % it makes even harder to pay. If I could get my credit up I could refinance and or consolidate, but at this rate I will never be a homeowner. School is meant to be a precursor to the American dream, but our country has turned it into the American Nightmare. 
Granted, I could do better with my finances, but school payments come and go as I am in and out of school. 

My main issue is, why is something that is supposed to go towards improving your life, so often making my life far more difficult. I have been close to having a high enough credit to purchase a home, then school loans hit me. These CAN NOT be claimed on bankruptcy, they are n't good rates anymore. WHY CAN THEY AFFECT MY CREDIT SCORES? They do n't help my credit scores if I pay, but they can sure XXXX hurt them. This does not only apply to me, but also to my brother who was unlucky enough to co-sign for me. 
Our credit system is not in place to help the consumer, it is ONLY in place to help businesses and its complete and utter garbage. If you could fix our credit system and student loans the country would be better off. I am still waiting for something to be pushed through congress to claim school loans on bankruptcy because this is XXXX! My life is being made harder by going through college. 


Please stop allowing school loans to detriment my credit scores. It makes me want to never pay them as what is the benefit if they keep me from purchasing a house my whole XXXX life! And I am expected to pay them for 30 years at affordable rates?!!!!?!??!?!?! 

Please stop allowing school loans to hurt co-signers.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : 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
Product: Checking or savings account

my computer was hacked and my checking account was bricked and an unauthorized wire transfer was done this happened on XX/XX/2022 I found this unauthorized transaction by checking my balance on line and found the theft and unauthorized wire transfer to some person in XXXX who I never heard of for {$9600.00} I never in my life have ever done out going wire transfer I immediately called Chase Bank XXXX department I followed there instructions filed a Police report closed my account opens a new account changer my user name and password signed an affidavide stating it was unauthorized and had no knowledge of the person I have spent the last 6 months fighting with Chase Bank as they are denying my claim since it came from my computer which is ridicules especially since the bank did not follow normal procedures and informing me of this out going transfer which is the normal procedure example when I make a payment for my XXXX ins or XXXX XXXX ins on XXXX Chase keeps saying they are trying to recover my money I ask you what hacker is going to return my funds especially from a foreign country
Product: Debt collection

I was involved in a XXXX XXXX XXXX XXXX in Maryland XXXX XXXX 2013 ( 4 years ago ) I now have a medical bill balance of XXXX being reported to my credit bureaus. At the time, I had 2 health insurance companies as well as auto insurance. After researching, I found that the second insurance and auto insurance were never billed. I tried to retroactively have this handled however I no longer work at my old job and my health insurance has since changed. I do n't owe for this XXXX XXXX told me that I have to pay this. I need this REMOVED. I work for the XXXX XXXX XXXX XXXX. XXXX XXXX  is at stake for a bill that was never processed correctly and shows up 4 years!! Later. This needs to be removed from my credit bureaus immediately. I spoke with a representative today XXXX XXXX and a manager XXXX and they are forcing me to pay and wo n't delete this even though it should have never been reported in the first place. He 's saying the credit agencies must delete but the bureaus are saying the bureaus must delete. XXXX XXXX must remove.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lendmark 's response did not address my concerns. 

My social security card is a credit card pursuant to 15 USC 1602 ( l ).

Pursuant to 15 USC 1681a ( d ) ( 2 ) ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card shall be excluded from the consumer report. This transaction that I am speaking about is a specific extension of credit and shall be excluded. 

They openly admitted that their policy doesn't abide by federal laws and that they are sticking to that. The person who responded on behalf of Lendmark was not there for the consummation of the transaction and has no first hand knowledge of what took place and what information was or was not disclosed to me. Please declare that I was disclose with adequate disclosures required by federal law under the penalty of perjury. I did not CONSENT to any of my nonpublic personal information to be shared with anyone as it related to this private transaction. The sharing of this information is a violation of my privacy. 

Their statements " Does Lendmark Share? Yes. Can you limit sharing? No. '' " Should the customer want to limit the types of sharing, they can call '' contradict themselves, this is also further proof that they are failing to uphold their responsibilities under 15 USC 6802. You can not tell me that I do not have the right to limit sharing when federal law says that I am supposed to be provided with the opportunity to opt out of sharing. 

What laws says that Lendmark has the right to report anything to anyone without MY permission? What law says that Lendmark has the right to continue to disclose my nonpublic personal information with any third party before giving me the disclosure to direct that such information not be disclosed?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX  XXXX - XXXX - XX/XX/XXXX - {$4200.00} XXXX - XXXX - XX/XX/XXXX - {$840.00} XXXX  - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX XXXX {$500.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$6900.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$4200.00} XXXX XXXX XXXX - XX/XX/XXXX - {$3600.00} XXXX - XXXX - XX/XX/XXXX - {$0.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

My account with EQUIFAX 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 to be updated.

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. 


EQUIFAX 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

Upon reviewing my consumer reports, I discovered some instances a fraud account on my credit report consumer report and agencies play a critical role in accuracy, reporting consumer information it is imperative that this information should be reported with upmost accuracy. The account. [ XXXX XXXX XXXX XXXXXXXX ] I request a thorough investigation into this fraud account and urge you to provide evidence such as statements demonstrating the transactions of this fraud account. My signature copy of my driver license time of the account was open and all banking information. You have 5 days to respond or deleted from credit report.
Product: Money transfer, virtual currency, or money service

Transaction initiated on XX/XX/XXXXXXXX in the amount of {$3700.00} from Coin Base to XXXX account, Still in pending status, this should have taken about 30 minutes and now it is 36 hours. Contacted support and got no response. This may be fraudulent.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been seriously compromised and the aftermath to that left my credit ruined. The following accounts are not mines and should be removed immediately. 

1 ) XXXX XXXX XXXX {$21000.00} 2 ) XXXX XXXX XXXX {$6000.00} 3 ) XXXX {$410.00} 4 ) XXXX XXXX XXXX XXXX {$4000.00} 5 ) Dept of ED/XXXX {$1700.00} 6 ) Dept of ED/XXXX  {$900.00} 7 ) Dept of ED/XXXX   {$200.00} 8 ) Dept of ED/XXXX  {$3500.00} 9 ) Dept of ED/XXXX {$1700.00} 10 ) Dept of ED/XXXX  {$350.00} 11 ) US Department of EDU {$900.00} 12 ) US Deptartment of EDU {$1700.00}
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

WELLS FARGO DEALER SVC XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO DEALER SVC customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.
Product: Credit card or prepaid card

I CALLED XXXX, SPOKE TO SOMEONE NAME XXXX XXXX AND WHAT HE SAID XXXX SENSE TO ME AT ALL, HE WANTED ME TO GO TO MY COMPUTER AND GO TO THE SEARCH BAR AND TYPE IN INFORMATION IN WHICH I REFUSED. 

I RECEIVED AN E-MAIL FROM PAYPAL ABOUT A BITCOIN PURCHASE THAT I WAS NOT AWARE OF FOR $ XXXX. ORDER # XXXX, ON XXXX XX/XX/2021, IT DID NOT PURCHASE ANYTHING AND DO NOT KNOW WHAT BITCOIN IS. 

I TOLD HIM THAT SHE WAS A FRAUD AND WOULD REPORT HIM AND THE NUMBER IN WHICH I HAD SPOKEN TO HIM ON.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service, and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, cash and feel to take timely ineffective measures to prevent an address fraud on their platform leaving my account vulnerable and unprotected furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with ever resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.