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

I am a XXXX and XXXX and was in the process of purchasing a home when I was informed by my creditor that there were collection items reporting on my credit report. This was a complete shock to me because I haven't used my credit other than to finance my car. When I reviewed the credit report that was given to me from the bank and saw a ton of information reporting on my credit report that had nothing to do with me, I immediately contact Equifax, XXXX, and XXXX to inform them that they were reporting inaccurate information on my credit report that needed to be removed. All 3 of the credit bureaus have responded partially by removing some of the inaccurate things they were reporting. I have been consistently submitting my request to have these inaccurate collection items removed from my credit report and since XX/XX/XXXX, they  all have ceased to provide me further assistance and investigative proof substantiating their lawful reason to refuse the removal of the remaining inaccuracies. I started contacting the 3 credit bureaus in XX/XX/XXXX and have followed up on all their correspondence regarding this issue. XXXX and XXXX have responded by removing all but 2 of the inaccurate collection reportings and Equifax still inaccurately reports 4. All 3 bureaus continue to report XXXX XXXX as not paid in full when it was paid in full by refinancing thru XXXX XXXX in XX/XX/XXXX. So my credit report reflects that I have 2 outstanding auto loans when I only have the one with XXXX. These inaccuracies are interfering with my ability to purchase my home and violate my rights under the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

MY NAME IS XXXX XXXX AND I HAVE BEEN A XXXX CUSTOMER FOR OVER 5 YEARS. AND I HAVE ALWAYS BEEN A RESPONSIBLE PERSON ESPECIALLY WHE IT COMES TO MY CREDIT CARDS. MY FICO SCORE HAS ALWAYS BEEN OVER 730. BUT UNFORTUNATELY IN XXXX OF XXXX I WAS XXXX AND WAS IN THE XXXX  DUE TO THE FACT THAT I HAD TO BE XXXX XXXX. THEREFORE THE PAYMENT WAS LATE FOR THE MONTH OF XX/XX/XXXX. LUCKLY EVERYTHING IS OKAY WITH MY HEALTH AND I WAS RELEASED FROM THE XXXX. IN XXXX I REACHED OUT TO XXXX AND EXPLAINED MY SITUATION, SPOKE WITH 3RD LEVEL SUPERVISOR AND AS OF XX/XX/XXXX THE DECISION WAS OVERTURNED AND THE LATE PAYMENT REPORTING WAS REMOVED FROM MY CREDIT PROFILE. I AM ATTACHING THE LETTER I HAVE RECEIVED FROM THEM. BUT THE BUREAUS WILL NOT CHANGE THE REPORTING BECAUSE THEY ARE TELLING ME THAT XXXX XXXX  IS STILL REPORTING THE ACCOUNT WITH A LATE PAYMENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is to inform the CFPB that Transunion is in violation of 15 U.S. Code 1681i - Procedure in case of disputed accuracy. B ) Extension of period to reinvestigate Except as provided in subparagraph ( C ), the 30-day period described in subparagraph ( A ) may be extended for not more than 15 additional days if the consumer reporting agency receives information from the consumer during that 30-day period that is relevant to the reinvestigation. 
In the case of XXXX XXXX XXXX account XXXX reporting date XX/XX/XXXX, On XX/XX/XXXX I mailed a certified letter along with 47 pages of the alleged lease agreement which did not bare my signatures. 

The FCRA, or the Fair Credit Reporting Act, says that disputes must be answered in 30 days, and bureaus that fail to meet that criteria can be punished. They must at least respond to you in 30 days, and if they fail in that, the disputed item is required to be removed.
Product: Checking or savings account

Bank of America keeps charging me the {$8.00} maintenance fee even though I did have at least {$500.00} in my account to satisfy the exemption. I keep trying to reach their customer service, but nobody is responding.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing with Equifax about accounts on my report that are reporting inaccurate and unverifiable information on my credit report. This issue has been very detrimental to me and my family by defaming my character and causing me not to be able to purchase a house for my family. My last dispute was on XX/XX/2023, and I also wrote to them on XXXX. I have not received XXXX response back from them verifying this inaccurate information. There are several violations on my credit report, and know for a fact that they are to be reporting to the maximum accuracy as possible by law. I have also requested to know all the steps the agency took to insure those items were 100 % accurate under 15 U.S. Code 1681i ( 7 ) Method of verification. The accounts are XXXX Number : XXXX, XXXXAccount Number:XXXX XXXXAccount Number : XXXX, XXXXAccount NumberXXXX, XXXX XXXX XXXXAccount Number : XXXX, XXXXXXXX  Account Number : XXXX, XXXX Account number : XXXX, XXXXAccount Number : XXXX, CXXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX
Product: Debt collection

www.lvnvfunding.com Is a collection agency and agreed to a ( XX/XX/2018 ) XXXX monthly payment since they took over the charge off. ( from a predatory company online. ) I had to take this loan out due to being off work for XXXX At that time they agreed to {$100.00} a month payment with it being electronically Taken every month for approximately 2 years. They are reporting it late every month though the agreement was made, never late. It is reporting that no payments are being made and that I am late every which is a lie. 
I also contacted the company and they state they dont report anything to the agencies just when its paid off that is again not true.
Product: Debt collection

PORTFOLIO RECOV ASSOC is attempting to collect and is reporting to XXXX, XXXX and XXXX an unverifiable debt that i do not owe in the amount of approximately {$1800.00}, I never signed any contract, agreement or Document with PORTFOLIO RECOV ASSOC saying i owe this debt or agree to pay this unverified debt, i never gave authorization for PORTFOLIO RECOV ASSOC to obtain or use my personal social security number, Photo ID, address or phone number, i did not provide this company with this private and personal information therefor the debt does not belong to me and i believe PORTFOLIO RECOV ASSOC it attempting to collect on a fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried multiple of times to get fedloans to send me my past applications for my forbearance and deferments and they only sent a letter stating my loans are in good standing but my loans are showing past due XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX which is causing me to have multiple late payments hurting my credit score when i have always made sure my loans were deferred until i am able to pay which is soon but i need this fixed on their part. They have not shown proof of the student loans which were consolidated but fedloans is still showing multiple of closed student loan accounts with bad payment history
Product: Credit reporting, credit repair services, or other personal consumer reports

On several occasions XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contactedXX/XX/XXXX and Lexis Nexus in regards to reporting inaccurate information. I included documentation where I do not have a bankruptcy and that Lexis Nexus has reported this without proper verification and stated that it was public information and that they received the information with the courts. I obtained a letter from that court and they stated that they did not provide any such information and provided me the letter verifying that they did not do so. I sent all the documentation in and all bureaus listed refuse to delete this off my credit report. I researched the laws and regulations and it states that in order for an account to be reported on a credit profile it must report 100 % accurate information or be deleted. The account number that is listed is invalid it is not an original account number and can not even be verified. the law states that the original account number must be provided and have no asterisks and anything inaccurate reporting. The account number has been compromised and is invalid. There is no way they have performed a proper investigation or they would have seen these errors. They have refused to delete it.
Product: Debt collection

Company did not provide information necessary to validate this claim and fraudulently claimed it was involved with litigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My experian score dated for XXXX was a XXXX. I received a email from experian on XXXX that my score had reduced. I signed on to the experian site, and my score was a XXXX. There was a collection submitted on that very same day. I had no other collections. Within an hour, I contacted the collection agency and they where able to find the account as an error. They removed/deleted the account completely on the same day. However, my score only went up to a XXXX. I tried to rectify this with experian but all they tell you is there is no explanation. Well I find it simple, my score was a XXXX on XXXX, then a collection is submitted on XXXX, then that same day, the collection agency deletes the account and my score only goes up to a XXXX. Experian holds our life 's in their hands, it controls whether we fail or succeed and can't offer an explanation. I want my score correctly reported. I am financing a home, and they have the power to destroy my life.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I requested incorrect names XXXX XXXX XXXX XXXX XXXX be removed, as well as, my employer be corrected.
Product: Debt collection

THIS IS XXXX XXXX. I cerify that i am the natural person XXXX XXXX so i shall be addressed as such. therefore i demand that you recognize me as the authorized representative and only me. I AM SUBMITTING THIS ON MY OWN BEHALF. I HAVE NO OTHER AUTHORIZED THIRD PARTY helping me so LET THAT BE CLEAR. I am a victim of Identity Theft & fraud. I contacted the Federal Trade Commission and filed complaints # XXXX and it is attached. Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt. I did not consent to, authorize nor benefit from any of the following inquiries or accounts. BloXXXX and remove them. if I consented to these inquiries, please have a senior executive certify under the penalty of perjury that I in fact consented to these inquiries in writing under 15 USC 1681B ( a ) ( 2 ). furthermore, I have not supplied proof under doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW715, 719, I presume that no proof of The alleged debt, Nor therefore any such debt, in fact exist.

I demand that the following account be verified or removed immediately : 1. FDCPA SECTION 807 Violation Misleading False Reporting I did not authorize this Inquiry XXXX/XXXX  Date of inquiry : XX/XX/XXXX This account is Inaccurate and I'm seeking litigation please delete at once.

2. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

3. this company is in violation of 15 USC 1681n these fraudulent inquiries must be removed in 4 days 15 USC 1681c-2 XXXX XXXX Date of inquiry : XX/XX/XXXX As a Consumer by law this account must be deleted. 

4. This agency is in violation of 15 USC 1692g Because they were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I DO NOT VALIDATE THIS DEBT MIDLAND CREDIT MANAGEM Status Date : XX/XX/XXXX As a Consumer by law this account must be deleted. 





XXXX out alleged balance. Report positively to all consumer reporting agencies. Compensate me for double the amount of my finance charge pursuant 15 usc 140. I also want compensation in the amount of {$1000.00} per violation for all the damages that I received to 15 USC 1681n. 

Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 it shows 30 day late by Experian Credit Reporting Agency In accordance with the Fair Credit Reporting act XXXX  of the account mentioned above has violated my rights.

15 U.S.C 1681 Section 602 A.States i have the right to privacy.

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

LVNV funding LLC brought my information from XXXX XXXX XXXX. I spoke to lvnv and ask them how did they get a hold of my information the representative told me it was through XXXX  XXXX XXXX  I told him I did not sign any paperwork for them to have my information or give them any verbal yes for them to have a hold of my information however I did not do business with LVNV they are a third party when I asked a representative how did they get this information I was told they brought it from XXXX XXXX XXXX  however I did not get any paperwork from XXXX XXXX XXXX  or in phone call asking me is it okay to give my information to a third party there was no opt-out paperwork and according to the law before you can give someone information out to a third party there needs to be paperwork with the individual consent giving them the okay to give their information to a third party or verbal agreement there was no such agreement which according to 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. This requirement was not met and also according to and it's also against the law for someone to buy a debt the original debt collector so as a result of this I need LVNV funding LLC to give the debt back to the original creditor because by law they are committing fraud and identity theft by putting this information on my report and I do not have a contract with this company nor do I know this company so as a result of this I am asking them to remove this before I take further actions
Product: Checking or savings account

Froze my account when large deposits where made making it unavailable for 7-10 days. 
Multiple times! 

Ended up closing my checking account 2 months ago after Ive been a 15 year member of wells Fargo and kept my saving for any charges to be paid in the event I didnt change over to my new back.
Product: Credit reporting

There was a discrepancy in the family as to who was paying a XXXX XXXX bill in XXXX of XXXX. After some deliberation, in XXXX XXXX, I finally paid the bill. It remains on our credit report as an unpaid ( we pulled our credit reports approximately XX/XX/XXXX/XX/XX/XXXX ). We would like to get this paid bill off of our report, which supposedly is done by either the XXXX XXXX or another entity, not ourselves.
Product: Vehicle loan or lease

On XXXX, XXXX, XXXX XXXX did conclude a Consumer Credit Transaction with the ( 2 ) herein named business entities XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ] and CAPITOL ONE AUTO FINANCE XXXX XXXX XXXX ; XXXXXXXX XXXX [ XXXX ]. The Truth in Lending Act is intended to inform consumers about the cost of credit. This same act is intended to protect consumers against abuse and deceit by presumed creditors and XXXX XXXX has been abused and deceived. XXXX XXXX is aware of and has proof in attachments and exhibits mailed ( hard copies ) to The Consumer Financial Protection Bureau via USPS Certified Mail No. # XXXX XXXX XXXX XXXX XXXX received by this Bureau in its mailroom on XXXX XXXX XXXX. Copies and attachments of the same were also mailed via USPS Certified Mail to both herein named business entities as well as the FEDERAL TRADE COMMISSION. CAPITOL ONE AUTO FINANCE and XXXX OF XXXX XXXX are in violation of 15 USC Sec. 1605. A finance charge is the sum of all charges in a Consumer Credit Transaction. Both herein named business entities ( assumed creditors ) failed to inform CONSUMER of his RIGHTS OF RECISSION under 15 USC Sec. 1635. RESPONDENTS are also in violation of 15 USC Sec. 1611. Both business entities named and identified herein willfully and knowingly failed to provide/disclose the required information pursuant to the provisions of 15 USC Sec . 1601. RESPONDENTS are now criminally and civilly liable. See RIGHTS OF RECOURSE under UCC 3-311, UCC 3-603 and UCC 3-604. Both herein named business entities accepted the promissory note/security instrument. See also 15 USC Sec. 1602 ( h ) through ( n ).
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
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
Product: Credit card or prepaid card

CARD.COM ALLOWED A COMPANY UNFAMILIAR TO ME NAMED, XXXX PAYMENTS TO TAKE {$110.00} OUT OF MY ACCOUNT WITHOUT MY CONSENT. THESE FUNDS WERE MY XXXX XXXX FUNDS THAT I NEEDED. ON XX/XX/22 I ATTEMPTED TO PURCHASE FROM XXXX  AND THEY DID NOT ACCEPT PREPAID CARDS. TWO DAYS LATER XXXX PAYMENTS TOOK {$110.00} OUT OF MY CARD.COM ACCOUNT WITHOUT MY KNOWLEDGE. I IMMEDIATELY CONTACTED THEM AND GOT THE RUNAROUND. I CALLED, I TEXTED, I WAS TOLD THE ORDER WAS DECLINED AND DID NOT GO THROUGH EVEN THOUGH I KNEW I HAD FUNDS IN MY ACCOUNT. THE MERCHANT CONTINUED TO IGNORE MY REQUESTS TO CANCEL THEIR UNAUTHORIZED CHARGE AND THEY PUSHED TO CREATE A TRACKING NUMBER WHILE I WAS ON THE PHONE WITH THEM AND WHEN I WENT TO CARD.COM TO DISPUTE THE UNAUTHORIZED CHARGE AND PROVIDE THEM WITH ALL THE PROOF I HAD THAT I DID CANCEL THE TRANSACTION THEY JUST IGNORED MY EMAIL PROOF AND DECISIONED THE DISPUTE BY PHONE WITHOUT EVEN TELLING ME. THEIR EXCUSE WAS THAT THE MERCHANT PROVIDED A TRACKING NUMBER. PROVIDING A TRACKING NUMBER DOES NOT MEAN THAT THE PACKAGE WOULD BE DELIVERED, AND CARD.COM SIDED WITH THE MERCHANT AND IGNORED MY EMAIL WITH PROOF THAT I DID CANCEL THE UNAUTHORIZED TRANSACTION. BECAUSE THESE FUNDS WERE MY XXXX XXXX FUNDS I FEEL STRONGLY THAT CARD.COM VIOLATED MY RIGHTS AND ALLOWED MY MONEY TO BE TAKEN AWAY FROM ME. I SHOULD HAVE BEEN GIVEN A PROVISIONAL CREDIT BECAUSE IT WAS MY XXXX XXXX FUNDS WHICH ARE GOVERNMENT FUNDS THAT CAN NOT BE TAMPERED WITH LIKE THAT AND CARD.COM SHOULD HAVE KNOWN THIS BUT OBVIOUSLY THEY DO NOT KNOW THE LAW!!! CARD.COM HAS CONTINUED TO WORK AGAINST ME AND NOT PROVIDE ME THE APPROPRIATE CARDHOLDER ASSISTANCE THAT I SHOULD HAVE RECEIVED AND I AM GOING OUT OF MY WAY TO REPORT THE BEHAVIOR OF CARD.COM AND THE MANNER IN WHICH THEY OPERATE. NOONE SHOULD HAVE TO FIGHT FOR 2 WEEKS FOR THEIR MONEY TO BE CREDITED OR REFUNDED. CARD.COM SHOULD HAVE PAID ATTENTION TO MY DISPUTE FORM AND THE ATTACHMENTS SENT TO THEM BY EMAIL THAT WAS NEVER REVIEWED. I FIND THEIR MANNER IN CONDUCTING BUSINESS TO BE VERY FRIVILOUS AND UNDESERVING AND NOT TO MENTION TERRIBLY UNPROFESSIONAL. I AM APOLLED THAT I AM EVEN DEALING WITH THESE PEOPLE AND THE IGNORANCE THEREOF. I HAVE HAD ENOUGH AND THIS IS WHY I AM REPORTING THEM SO THAT THEY CAN SEE THAT I WILL DO WHATEVER I HAVE TO IN MAKING SURE THAT THEY NEVER DO THIS AGAIN TO ME!! I WILL NOT ALLOW THEM TO GET AWAY WITH IT!! THEIR ACTIONS WERE INAPPROPRIATE, AND EXTREMELY PREJUDICIAL AND THEY DID NOT ADHERE TO THE GUIDELINES THAT ALLOWS A CONSUMER TO SHARE THEIR DOCUMENTS ACCORDINGLY AND I WANT THEM INVESTIGATED AND THIS COMPLAINT PROCESSED IMMEDIATELY! I HAVE ATTACHED MY ORIGINAL PROOF THAT CLEARLY SHOWS CARD.COM THAT I DID REQUEST CANCELLATIONS SEVERAL TIMES BY TEXT, EMAIL AND BY PHONE CALLS TO THE MERCHANT AND IF NOTHING ELSE CARD.COM SHOULD HAVE EXTENDED ME A PROVISIONAL CREDIT BUT INSTEAD THEY IGNORED ME!
Product: Checking or savings account

From XX/XX/year> to XX/XX/year> someone used my card for a website I live in a very remote area about XXXX minutes from town I rarely go to town as we have a supermarket and gas station basic necessities. I do not get WiFi and have to come to town to use it. Well came in to town yesterday and got a fraud alert on phone immediately called bank they put in a claim for XXXX dollars for one specific website. Have no clue what it is. The company promised me I would get my credit today as both phone calls were recorded and needed those funds. They told me today after driving XXXX minutes again that I will not receive funds today and will have to wait. I can not wait as life depends on money. Pretty much told me Im XXXX out of luck
Product: Checking or savings account

On XX/XX/XXXX, someone was able to create a Bank of America account and gain access to my account to withdraw money from my checking. They also gained access to my sisters ' accounts and my parents ' accounts, as all of our accounts were linked together. In total, the fraudster was able to transfer out of our accounts almost {$300000.00}. From XX/XX/XXXX to XX/XX/XXXX Bank of America did an " investigation '' and provided us with very little to no updates, other than advising that the money was still within the bank and provided us with the name the fraudulent account was opened under. 

On XX/XX/XXXX, they sent us a letter finding us not liable for the account that was created, which the bank allowed to gain access to all of our accounts, but now is refusing to reimburse us for the money. They claim that unless we can prove our phones were hacked and that we did not authorize the transfer of funds, they can not give us back our money. Our accounts are frozen, we have lost a lot of money, and Bank of America is refusing to reimburse us. Instead, they have chosen to accuse us of authorizing fraud on our own account, leaving us with no money and for some of my family members, a complete and total loss of life savings. Any assistance would be greatly appreciated.