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

i am a victim of id theft due in part to the equifax data breach. i am a member of the class action lawsuit against equifax and i believe that they are unfairly keeping negative marks on my file that circulate between the credit reporting agencies mainly XXXX and XXXX  witch shares information with all the major credit reporting agencies. after filing over 26 ftc reports and disputes with these company i still have errors on my credit report, witch is keeping me form my pursuit of happiness that is my constitutional right. im not able to qualify for certain jobs or to live in certain areas due to the fact of my credit score when i have allotted steps to fix the situation. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. I have not given any written permission to put anything on my credit profile. CRA have no permissible purpose by law to contact third parties with my private or personal information. These offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. They have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability Pursuant 15 U.S. Code 1681c2 - Block of information resulting from identity theft Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency. I have followed all protocol and i still have a mountain of fraudulent accounts. accounts are in the ftc and report that has been uploaded.
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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  / XXXX  Account Number : XXXX and list of Inquiries. 

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: Checking or savings account

On the XXXX of XXXX, I disputed a charge with my bank ( {$190.00} ), due to the service not being what was advertised. The company, after receiving the disputed charge, continued to charge my card, which they had on file, a higher amount ( {$210.00} ). This charge was made on the XXXX of XXXX. The company proceeded to email me, notifying me of a second charge, and telling me that the funds would be released once the dispute was canceled. On the XXXX of XXXX, I canceled the original dispute ( {$190.00} ), and my bank informed me the company should receive that money back in 6 days. By the XXXX of XXXX, the funds were not back in my account. I filed a second dispute with my bank. Without notice, this claim was denied on the XXXX of XXXX. Throughout this entire process, I have tried to contact the company, but there has been no reply.
Product: Debt collection

The following Collections accounts were added to my credit report. 

XXXX XXXX XXXX XXXX Original Account with XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX XXXX Original Account with XXXX XXXX XXXX Date opened XX/XX/XXXX Contact info XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter out XX/XX/XXXX to Experian, XXXX, and XXXX. However its been more than 30 days and the credit bureaus failed to send my investigation back. That is not making sense. 

According to the law 15 U.S. Code 1681i- Procedure in case of disputed accuracy. 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 deleted 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.
Product: Debt collection

They have no contract with me, Ive asked for them to produce the note that I signed saying I would pay and they can not provide it to me because it doesnt exist. 

XX/XX/XXXX {$630.00} they say I owe to LVNV FUNDING llc XX/XX/XXXX {$510.00} they say I owe to LVNV FUNDING LLC XX/XX/XXXX {$460.00} they say I owe to LVNV FUNDING LLC I have disputed these but still no change. I am willing to go to litigation for this.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my most recent credit report I see an account listed for XXXX XXXX, however I see that the information listed for that account is incorrect and such incorrect information will further increase the negative impact on my credit scoring which is unfair to me as a consumer. Equifax has this account listed with incorrect DATE OF LAST PAYMENT of XX/XX/XXXX & DATE OPENED of XX/XX/XXXX. Why has Equifax not conducted the correct due diligence in reporting this account, their actions either negligent or willful misconduct can have caused an unnecessary further damage to my credit report and overall credit scoring.
Product: Debt collection

I am writing to file a complaint against Credit Collection Services regarding their violations of the Fair Debt Collection Practices Act ( FDCPA ). The collection agency in question has added a debt to my credit history without any agreement or written authorization from me. 

Despite my request that they return the alleged debt to the original creditor, the collection agency has continued to pursue collection activities against me, which I believe is a violation of my rights under the FDCPA. I have also requested debt validation, as is my right under the FDCPA, but the agency has not provided me with any proof that I owe this debt. 
I believe that this collection agency has violated several provisions of the FDCPA, including but not limited to : 1. 15 U.S.C. 1692e ( 2 ) ( A ) - falsely representing the character, amount, or legal status of the debt 2. 15 U.S.C. 1692e ( 5 ) - threatening to take any action that can not legally be taken or that is not intended to be taken 3. 15 U.S.C. 1692e ( 10 ) - using false representations or deceptive means to collect or attempt to collect any debt 4. 15 U.S.C. 1692f ( 1 ) - using unfair or unconscionable means to collect or attempt to collect any debt I am requesting that the CFPB investigate this collection agency for their violations of the FDCPA and take appropriate action to ensure that they cease all collection activities related to this debt and that they correct any negative reporting on my credit history.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> several addresses lists on my credit report never live at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX And XXXX violated 15 US Code 6802 Obligation with respect to disclosure of personal information with written consent from the consumers Name show appears as XXXX XXXX XXXX XXXX XXXX on mine name
Product: Credit reporting or other personal consumer reports

To : Transunion, XXXX, XXXX and XXXX XXXXXXXX XXXXDate of inquiry : XX/XX/XXXX : NOTICE AND DEMAND FOR SETTLEMENT OF UNAUTHORIZED INQUIRY ON CONSUMER REPORT To : Whom It May Concern : This notice is to inform you that you are unlawfully reporting an unauthorized inquiry on my consumer report. I have not given you permission to access my credit profile and you have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. By obtaining my CREDIT BUREAU consumer report on XX/XX/XXXX without my permission, or without a permissible purpose by law, you are also in violation of the Fair Credit Reporting Act ( FCRA ) codified at 15 U.S.C 1681b ( a ) 3 ( f ) ( i ). XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) I have not initiated any transaction with XXXX XXXX XXXX. Furthermore, I do not have an account as defined under 15 U.S.C. 1693a ( 2 ) with XXXX XXXX XXXX for review or collection. Pursuant to 15 U.S.C. 1681n ( a ), Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under Title 18, imprisoned for not more than 2 years, or both. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certified Funds to : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Fl, XXXX Regards, XXXX XXXX ( FCRA ). CC : XXXX XXXX XXXX, XXXX, XXXX and Transunion Consumer Solutions. 

I am attaching my ID and proof of address to verify my identity.
Product: Credit reporting or other personal consumer reports

Charge off is inaccurate account according to IRS charge off can't be reported as ordinary income 15 USC 1681 ( b ) or neither have I've received 1099 c form Resurgent/LVNV Funding LLC . Referance ID : XXXX stated {$3900.00} balance. Sharing information with another 3rd party /non affiliate which is in violation of my 16 CFR 313.7 Opt-Out notice. LVNV/ Resugent violated my rights as well under 15 USC 6802-6805 They are supposed to send me an opt-out letter with their initial letter. Per the Fair Credit Reporting Act as a federally protected consumer, I am now opting out of authorization I the consumer may have given LVNV written, un-written, verbal and non-verbal per 15 USC 6802. I am " opt-out '' of LVNV reporting on to 3rd party/non-affiliate credit agencies. Resurgent/Lvnv Funding company continues to violation of FDCPA, PA, FCRA, ECOA, RICO, CCPA and FTCA CCPA have the right to XXXX or XXXX per violation. 15 USC 1681n, 15 USC 1681b, 15 USC 6801, 15 USC 1681a, 15 USC 1666b, 15 USC 1681e, 12 CFR 1022.3 Please remove this account from consumer report immediately. Per listed violations above, consumer reporting must have my written consent. Per listed violations above, consumer report can not report late payments nor transaction history relating to account. Consumer does not agree nor consent to use of my private consumer report. Please cease and desist all communication activities including communication with me through consumer reporting. This is a deceptive practice by Resurgent/Lvnv Funding and is in violation of my privacy under Privacy Act of 1974. I did not verbally nor did I provide written agreement of sharing my personal information with 3rd party, non-affiliate companies as I am opt-out of 3rd party and non-affiliate sharing of my information. the consumer will take it a step further in seeking remedy per 15 USC 1692k. reporting under the Fair Credit Reporting act but also this damage could affect my rights to credit under the Equal Credit Opportunity Act if fraudulently reported. I ask that unless Resurgent/Lvnv Funding can provide me original signed contracts with my signature, that you cease and desist. Resurgent/Lvnv Funding is harassing me and failed to provide any documentary evidence of such alleged debt. There is no true bill.
Product: Credit reporting or other personal consumer reports

The loan was opened with another car, the doors locked, and dealership came and switched with a loaner car. Then I was made to take the XXXX instead of the XXXX XXXX I did not have the proof of the original vehicle, but the dealership placed a claim to my insurance for the vehicle. This whole contract was completely fraudulent I have paid to balance off and I just want the record of this account removed from my report immediately from all 3 Bureaus, XXXX XXXX  and XXXX This car was a lemon I was not able to get help with repairs and I was told the warranty was no good, XXXX XXXX is a great company, but the business practices of the dealership was VERY unethical and I am sure with a complete investigation that can be found I have attached the vehicle information that was originally on the loan and I drove off in the vehicle, the first car was in better condition and I would have been able to have a better opportunity for success on my loan account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted investigations into these inquiries and details as to verifying these inquiries and I receive no information as to how the investigation was conducted and information confirming these inquiries. 

XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX   - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX/XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX 5. XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to dispute several unauthorized inquiries on my credit report, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. 1681b ).

After reviewing my recent credit report, I have identified the following inquiries that I do not recognize or authorize : Disputed Inquiry : XXXX XXXX  - XX/XX/year> Basis for Dispute : Section 611 ( 15 U.S.C. 1681i ) states that I have the right to dispute any inaccurate or incomplete information on my credit report. I request that you investigate these unauthorized inquiries and remove them from my credit report.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the inquiries made. After reviewing this information, I firmly believe that the inquiries listed above should not be on my report.

Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. I did not give my consent for these inquiries to be made, and I can not find a permissible purpose under this section that justifies their presence on my report.

Request : I request an immediate investigation into the listed inquiries. If it is determined that these inquiries were made without my authorization or in error, I ask that they be removed from my credit report. I also request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

Enclosed is a copy of my identification to verify my identity. 
I appreciate your prompt attention to this matter. Please confirm receipt of this letter and keep me informed of the progress of your investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Refinanced mortgage with XXXX mortgages. XXXX sent payment on XX/XX/2020. ( Yes, I did email to verify ). First National bank says they did not receive until Monday XXXX XXXX. Since it was past the XXXX of the month, they reported delinquent payment to my credit report. I disputed via XXXX to no avail. I called first National bank of omaha and they claim they can not remove from my credit
Product: Credit card or prepaid card

I am an American Express cardholder in good standing since the XX/XX/XXXX. I disputed with XXXX a charge incurred in XX/XX/XXXX on my XXXX XXXX card against a hotel in XXXX XXXX, XXXX in the amount of {$1600.00}. Basically, I felt that I was tricked by the hotel into booking a 7-day stay for a business trip that was totally nonrefundable. And then the hotel was entirely non-responsive in addressing any of my pre-stay requests to discuss various business needs, such as assistance with hosting a business luncheon and other meetings, arranging for me to be picked up at the airport, and facilitating other transportation needs. Basically, the hotel assured me that they could support my business needs, took my money, and then ignored me. I was forced to switch to another hotel in XXXX to ensure the success of my business trip, which I did weeks before my scheduled stay. 

I provided all of the above information in great detail both in writing and orally to American Express. But XXXX closed out the dispute after simply contacting the hotel, which, of course, told XXXX that the charge was proper. No one from XXXX spoke with me, and XXXX clearly gave no consideration whatsoever to my to the clear and legitimate concerns. It is apparent to me that XXXX does not have a honest or real dispute resolution process that takes into account the concerns of the cardholder.
Product: Debt collection

I purchased a smart bed from XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV ) on XX/XX/XXXX. I paid with my XXXX XXXX XXXX XXXX XXXX  for the full amount without financing it. The bed was delivered on XX/XX/XXXX. Before I unboxed bed, I could smell the unbearable horrific odor. Along with the smell, there was also mold all throughout the bed. I immediately notified XXXX XXXX of this unacceptable furniture delivery, they had me take pictures and through several emails, they agreed to pick up the bed and send me a replacement. In addition, they also included white glove delivery service, and complementary installation for the replacement bed. 
Second bid delivery was on XX/XX/XXXX. Same unbearable smell, with less mold stains. 
Once again, I notified the furniture company. They asked for pictures again, which was a long and inconvenient process, especially considering this was the second time. 
At this time, I was no longer ready to give them another chance, I just wanted them to come get their bed and refund my money. They refuse to do so, and wanted unreasonable options, for example, to have a cleaning company, inspect my bed along with {$100.00} XXXX of the next purchase. After several attempts for them to come get their bid, and refund my money, I decided to go a different route. XX/XX/XXXX I reached out to XXXX XXXX XXXXXXXX since that was the original form of payment, and started a dispute claim. 
I submitted to XXXX  XXXX XXXX all my saved emails between XXXX XXXX and myself. XX/XX/XXXX XXXX  XXXX XXXX judged in my favor and awarded me the full {$4100.00} back to my account, shortly after words when I thought I could put this behind me I was still getting emails from XXXX XXXX not happy that I was awarded the case and the {$4100.00} was refunded they vowed to get their money back from me. Fast forward to XX/XX/XXXX. I periodically check my credit report through XXXX XXXX, I notice that there was a collection on my account for {$4300.00} through Allied Collection SE. opened XX/XX/XXXX. This frustrated me beyond belief, I was never notified by this collection company. No email, no phone call, no postal letter. As I stated earlier, original payment form was through a XXXX XXXX XXXXXXXX debit card, for full amount, not a finance which that payment was reversed due to XXXX XXXX XXXXXXXX investigation which included XXXX  input. I will include XXXX XXXX XXXX letter stating that they reversed the payment. I would like to file a complaint against Allied collection. S E, and I will file additional complaint with the appropriate agencies for XXXX XXXX. 
Thank you
Product: Credit reporting or other personal consumer reports

collections still reporting and asked for removal 3 times each XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX child support XXXX XXXX XXXX XXXX  addresses that have no association with my 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  unknown alias correct : XXXX XXXX XXXX incorrect : XXXX XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

I received this loan in the month of XXXX. I've been paying on time until recently I've had some unfortunate events come up and I called One Main Financial to ask why isn't the balance reflecting the payments I've made and I was told it's because I've made XXXX payments late!
Product: Credit card or prepaid card

I applied fo r PayPal Credit an d was approved in  XXXX   XXXX  of  2017, si nce then I have made several attempts to use the credit as it was provided to me per their disclosures. The credit is unusable in every way, i have made rough ly 20 at tempts trying to purchasing varying items to see if the credit is usable and to no avail. They are only offering these products as an attempt to bolster their marketing and promotions for their product but do not provide any actual credit, many consumers have complained about the fact that PayPal blocks ALL credit transactions and avoids having to actually supply credit, and their excuse is always " security or fraud related protection ''. So it should be simple I prove my identity and the " security '' issue should be removed and so I did which I provided additional identity documents verifying my identity on the week of  X/XX/2017    and Pay Pal STILL WO N'T OFFER CREDIT despite indicating that i have a {$2700.00} credit line. This appears to be illegal that they are falsely advertising credit but not actually allowing consumers to use it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit files and I'm asking that a full investigation be conducted and I'm provided with the Method and every detail of this investigation or you shall remove the accounts immediately. 

1. XXXX XXXX XXXX {$100.00} 2. XXXX XXXX {$420.00} 3. XXXX XXXXXXXX {$620.00} 4. XXXX XXXX / XXXX XXXX. US Department of EDU {$1100.00} {$2000.00}
Product: Money transfer, virtual currency, or money service

I 'm trying to allow XXXX XXXX app to access my bank account routing number so they can transfer money to my account there saying bank of america is not allowing them.
Product: Mortgage

Shellpoint mortgage incorrectly paid our taxes twice in XXXX of 2016, which in turn sent our escrow payment to double what it should be. We had to struggle to get the overpayment refunded to our account, that finally happened in XXXX 2016. Now they are not able to get the tax payment schedule figured out ( either paying taxes twice a year or once a year. ) In turn our escrow payment is still double what it should be, which is resulting in a much higher payment than we should have. After repeated phone calls since XXXX, there has been no solution. Our XXXX payment is still {$600.00} higher than it should be. XXXX admits there is a problem, but says that a third party handles taxes and escrow for them and is n't sure why this has not been resolved.