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

XXXX XXXX is continuously violating my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). I have disputed this account multiple times and even sent letters directly to them, yet they have failed to conduct a proper and thorough investigation. If they had performed an actual investigation, they would not be furnishing incorrect addresses, such as XXXX XXXX XXXX, XXXX, MI XXXX, where I have never resided. This demonstrates their complete lack of due diligence in verifying the accuracy of the account information. 

I am requesting actual proof that I opened this account. Electronic documents can easily be edited, and stolen IDs can be fraudulently used, making their current verification methods inadequate. XXXX XXXX has allowed dealerships to open accounts fraudulently without proper verification of the consumer 's identity, relying on contracts full of violations that anyone could sign. This is not in compliance with FCRA standards. 

In addition to XXXX XXXX violations, TransUnion, XXXX, and XXXX are also in violation for continuing to report this account despite the obvious discrepancies and my multiple disputes.
Product: Credit reporting or other personal consumer reports

In XX/XX/year> I received a loan from XXXX XXXX XXXX that same month I filed a XXXX XXXX bankruptcy & included them in the bankruptcy as well as provided them verifiable documentation from my attorneys office informing them that they had been included in the regular bankruptcy and amended bankruptcy ( XX/XX/year> ). XXXX XXXX did not not honor the documentation that had been submitted via email. Every time I contact them they've given me the run around and refuse to update the credit bureau 's of the status of my account. They have my account listed as delinquent 90 days when it should be charged off included in XXXX XXXX bankruptcy. They are the ONLY company that has given me a hard time.
Product: Prepaid card

I didnt know you had to put your social security number in, and I thought it was a gift card so i tried using it but it didnt work so I went back to the store and tried getting a refund or to switch it out for a different gift card but they said that I cant get a refund at the store and to call the number on the back and I did but it was not help so I was wondering if I could get a refund for the card because it has XXXX XXXX and I was going to give it to my daughter
Product: Debt collection

This collection agency LVNV Funding LLC is attempting to collect a debt that I do NOT owe in the state of Hawaii and they have reporting this false information on my consumer report which violates both FDCPA and FCRA. I demand that they show evidence that they are justified in collecting such debt by providing all requested documents stated in the attached dispute letter. This includes a notarized signed agreement bearing my signature or an assigned agreement from creditor that also bears my signature. Last I check I did not signed anything authorizing this agency to collect on behalf of the creditor that I conducted business with. Additionally, in the state of Hawaii, a debt collector is required to be bonded and have a license to collect, therefore, I am demanding that they show proof that they are allowed to collect in Hawaii otherwise they would be violating the HFDCPA ( Hawaii Fair Debt Collection Practices Act ). If they can not show any of the requested documents then I demand that they cease all collection activity and delete this item from my consumer report. Lastly, I demand that Lvnv funding show proof that they are licensed and bonded in the state of Hawaii to collect on this debt. If they are not licensed then they are also violating the Hawaii 's state laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I sent all requested documents to XXXX XXXX and Equifax stating that I was a victim of identity theft also I opened a dispute with both XXXX XXXX and Equifax. This account has been deleted from both XXXX  and XXXX but it's still reporting in Equifax. In addition during the time of identity theft I was hospitalized as well as home bound due to my XXXX diagnosis.

I've also completed and faxed the ID Theft Affidavit to XXXX XXXX XXXX on XX/XX/XXXX. I have not received a response or updates on the status of my case.
Product: Debt collection

I paid my amount owned directly to the hospital but im still being harassed.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX XXXX 
Account Number : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

BARCLAYS BANK CREDIT CARD SHOWS ON MY CREDIT REPORT WITH XXXX, WHICH IS NOT MINE!! PLEASE HELP ... I HAVE FILED WITH THE FTC
Product: Student loan

I requested a XXXX XXXX request for forgiveness of my loan in XX/XX/XXXX. It was not approved until XX/XX/XXXX, in which they are now today telling me requesting additional information. I asked for the history of the loan to verify that I had 3 loans with them. I am only aware of 1 loan. They are telling me it was back in 1XX/XX/XXXX and XX/XX/XXXX. 

I am disputing the validity of the actual amount and the handling of this loan with this company. I would like a thorough review. Because this is harming my chances to obtain housing since I have been displaced without work since my injuries.
Product: Credit reporting or other personal consumer reports

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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 TransUnion XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX 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 to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Identity theft while I was homeless. Someone open an account on my name.
Product: Credit reporting or other personal consumer reports

MY information was EXPOSED in multiple data breaches across TransUnion, XXXX, and XXXX. I am writing to have these ILLEGAL items removed OFF my report ASAP!

I received a copy of my credit reports and am writing to dispute the following FRAUDLENT/ILLEGAL/UNAUTHORIZED information that appears on my XXXX, Transunion, and XXXX report. 

Please verify or remove immediately the following accounts : By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$640.00} These accounts listed in my bankruptcy were all opened without my knowledge. This bankruptcy ABSOLUTELY needs to be removed off my public record as a result. This is illegal for Transunion to continue reporting this when XXXX nor XXXX has it listed. Please remove this off my report ASAP! 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX : XXXX XXXX XXXX # : XXXX I am writing to formally dispute an entry on my credit report regarding a debt allegedly placed by XXXX XXXX XXXX. This company is not registered with the Texas XXXX XXXX XXXX XXXX XXXX ( OCCC ), which is a legal requirement for debt collection in Texas. Therefore, they are not authorized to collect debts or report them to credit bureaus. 

Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, I have the right to dispute inaccurate or unverified information on my credit report. Since XXXX XXXX XXXX does not have the legal authority to collect this debt, their reporting of this account is invalid and must be removed.
Product: Debt collection

I filed ChapterXXXX bankruptcy on my accounts in 2005, which I 'm NOT of proud ; but during this BAD TIME I lost a high paying job and got divorced, which left me no other choice but to file!!! Then 9.5 years later after I am finally getting my life back on track a collection company sends me a THREAT letter that I need to pay on an account included in my bankruptcy, and I have PROOF of this. I called them and they say they will clear this up, but since they did n't ask for PROOF even though I offered CASE # and Amount paid just to prove myside, but got worried that I offered more than they asked for. I want to make sure I 'm NOT BRING SCAMMED - Thank You for your help!!
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.

Account name : XXXXXXXX XXXX XXXX XXXX Account # XXXX and Account name : XXXX XXXX  Account # 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: Credit reporting, credit repair services, or other personal consumer reports

This company reported to the credit bureau a 30 day late payment when there has never been a 30 day late payment. In addition, they said I had a late payment this month. They never attempted to debit the payment, instead they deposited the payment amount into my account. After 3 hours on the phone and several transfers, being hung up on, etc. they still could not solve the problem. One of the most corrupt and incompetent companies I've ever interacted with.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I recently received a copy of my Credit report and I noticed some late payments on my credit report : CAPITAL ONE - Account number : XXXX Your company is is clear violation of the law. Under 15 USC 1681b permissible purpose of consumer reports, The LAW clearly states : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this to my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS Except as provided in paragraph ( 3 ), the term consumer report does not include _ ( A ) Subject to section 1681s_3 of this title, any _i ) Report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. 


Thank you, XXXX XXXX
Product: Checking or savings account

I reached out to Wellsfargo XXXX to on May refund my money from an unauthorized transactions from XXXX. The transaction occurred over six months for a total of {$3000.00}. Which were XXXX each. The bank is backed by FDIC. The representative didn't provide accurate information on my claim. I haven't received a call or email from the company about this compliant. Please reverse my funds back to my account and have an representative to reach out. Thanks!
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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 XXXXXX/XX/XXXX
Product: Credit card or prepaid card

Hello, My XXXX account was account was compromised ( XX/XX/2021 ) and an item was ordered fraudulent. I first called the merchant ( XX/XX/2021 ) and since the item was already shipped they advised that I file a dispute with my CC. When I called my CC ( XX/XX/2021 ), they did not want a police report nor had me sign any forms. They issued temporary credit, for {$770.00} after I filed the dispute. Now on XX/XX/2021, I received a letter dated XX/XX/2021 in which my CC company said the purchase was valid. And if I wanted to to speak to them to call them. The number they provide for the fraud department does not work. All calls go to voicemail and no one returns my call. I have called over 40 times and no one picks up in the fraud department nor do they return my calls.
Product: Credit reporting, credit repair services, or other personal consumer reports

i Sent a ceritfied letter with return receipt several times for the last 3 months, but the unauthorized inquiry still remain and account.
Product: Mortgage

Investor is Everbank AND Servicer is XXXX. My loan file has issues with dual tracking, mal practice and employee incompetency. I submitted my file to XXXX ( XXXX XXXX XXXX XXXX XXXX ) for review for a possible loan modification, sometime in XX/XX/XXXX. It takes this servicer such a long time to acknowledge reciept of submitted documents. Finally on XX/XX/XXXX my servicer deemed my to be complete and sent me letter that it would take them 30 days from then for me a response. XXXX has its own timeline. On XX/XX/XXXX, which is 30 days later, they sent my file to underwriting. meanwhile I had scheduled foreclosure trustee sale on XX/XX/XXXX. The entire time to this day, my home has been on active sale and marketed thier attorneys XXXX XXXX and XXXX XXXX XXXX, who are not properly supervised by XXXX. On XX/XX/XXXX, the foreclosure attorney website reflected an active sale with bidding instructions of {$500000.00} minimum bid. On XX/XX/XXXX, I was so furious and talked to an employee, who could not explain what was going on, even after consulting with their supervisor. Even though they postponed the foreclosure sale date to XX/XX/XXXX, My loan file is still in review with an active sale date. I communicated and wrote to my servicer, to date I can afford my monthly payments comfortably and make my payments on time. I wish to keep my primary residence and will do what ever it takes for my and family and the rest of the tenants. I wish XXXX XXXX the investor to my loan sends it somewhere else for servicing. My home is also located in the XXXX XXXX area declared by Fema on XX/XX/XXXX for the natural disaster floods. This situation caused furthermore financial harm to my family.
Product: Mortgage

Veterans United denied loan modification because they would not allow borrower 's overtime to be considered in calculations without explanation why.
Product: Checking or savings account

PROBLEM : UNNECESSARY NUMEROUS REQUIREMENTS FOR PROOF OF OWNERSHIP TO CHANGE MY ACCOUNTS TO MY TRUST. THE FOLLOWING SECURE MESSAGES WERE SENT ABOUT THIS AND CAN BE PROVIDED IF NECESSARY : TO XXXX XX/XX/year>, TO XXXX XX/XX/year>, TO XXXX XX/XX/year> AND XX/XX/year>, TO XXXX XX/XX/year>, AND THE BELOW WHICH I AM SENDING TODAY XX/XX/year> TO ALL OF THEM. PLEASE FIND ATTACHED TO THIS SECURE MESSAGE THE REQUIRED FLAGSTAR USELESS CLIENT CHANGE REQUEST FORM WHICH CONTAINS LESS INFO THEN I HAVE ALREADY PROVIDED PROOF OF OWNERSHIP TO FLAGSTAR. I HAD TO DRIVE XXXX MINUTES ONE WAY TO XXXX, XXXX  TO HAVE IT NOTARIZED AT XXXX  XXXX XXXX, VERY INCONVENIENT. I HAVE NOW SENT FLAGSTAR 6 PAGES OF REQUIRED FORMS PROVING THE OWNERSHIP OF MY TRUST SINCE XX/XX/year>. I AM THROUGH JUMPING THROUGH ANYMORE HOOPS TO PROVIDE INFO ABOUT MY TRUST OTHER THEN PROOF OF OWNERSHIP, AND TO REQUIRE ME TO SEND THEM THE ENTIRE TRUST IS OUTRAGEOUS. SINCE I HAVE BEEN FORCED TO GO THROUGH ALL THIS HASSLE TO MAKE THIS CHANGE TO MY ACCOUNTS I HAVE DECIDED TO FILE ANOTHER COMPLAINT AGAINST FLAGSTAR BANK. FLAGSTAR BANK DOES NOT HAVE A CLUE HOW TO DEAL WITH THEIR CUSTOMERS. 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

This complaint is about a Barclays Bank Delaware AAdvantage Aviator Red Mastercard. 
I was on an XXXX XXXX flight in XXXX and they were offering a deal to open an Advantage Aviator card without the {$99.00} fee for the first year. When I got home I tried to access the deal online to apply for the card. After signing up for the card I realized they were going to charge me the fee to open the account. I called to try to correct it within the hour. I closed the account within an hour of opening it. I was assured that the account was closed. 
Following that I began getting calls about a small balance. I think the balance was the yearly charge of {$99.00}. I spoke with multiple persons and told them the account was closed less than an hour after I opened it. I never saw the card in the mail. I did not receive statements. I never put any charges on the account and repeatedly tried to close it. Then in XXXX I was told there was a balance of over {$5000.00} on the card from a balance transfer. I never transferred any balance from any other account and told them that. I again told them I had been trying to close the account since less than an hour after it was opened. I would be repeatedly transferred from person to person when trying to dispute the charges. I was asked personal information such as my social security number and card number, which I didnt know since I never received the card. I was repeatedly assured that the account was closed, including an hour after opening the account. I was never given any information as to what account the balance was transferred from. I believe my information was used by someone else unknown to me to make a fraudulent transfer. 
Now they have referred the account to a collection agency and I received a letter stating I owe {$5400.00} to XXXX XXXX XXXX, XXXX. for an account ending in XXXX. 
Please help! I believe this is a scam. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I been send information to Equifax about my social security number and my address I been in this residence for about XXXX XXXX XXXX XXXX XXXX but for more information that I send is like they already make their mind and never take their time to investigate or too busy! Im just hoping if the complaint coming from you they would take their time to really investigate thanks!
Product: Checking or savings account

On XXXX XXXX I contacted bbva compass regarding a charge on my bank account for {$560.00} from XXXX XXXX. I disputed the amount because it was for a service I never received as the gym closed down abruptly and wouldnt refund my money. The bank sent me a letter on XX/XX/2020 stating that my dispute was complete and they were giving me my money back plus any overdraft fees associated with this purchase. I contacted them multiple times and could not get a straight answer on why I didnt get my money back. Ive called multiple times and waited on hold over an hour. I also sent emails requesting that they handle this but no one will respond. I want the money owed to me.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B says we need to delete incorrect accounts from my credit report. Could you check the documents? Some of the listed accounts have inaccuracies in reporting, amount, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off and closed my XXXX bank credit card account in XXXX of XXXX. I have not used it sine. This week, in XX/XX/XXXX, they reported that I was delinquent on an amount of {$6.00}. I can not log into my account, and they have not responded to me. In the meantime, a loan application I submitted was denied for the reason " You have a current delinquency showing on your credit report. '' For XXXX  : I would like to be put in contact with them, I would like an explanation as to why my 100 % perfect payment record across two dozen accounts is tarnished, and I would like the delinquency removed from my account. 

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

XXXX XXXX continues to report late payments on XXXX accounts that I had with them with an exceptional payment history. I have recently resolved a different matter with them though they closed ALL of my accounts prior to a favorable resolution. The late payments in question are reflected in the year 2019. I have made several requests for proof of the late payments from XXXX XXXX to no avail. XXXX XXXX has not only ignored my requests but has erroneously " updated '' my credit report by simply moving the months in question around by a month or two.