23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Lvnv funding is saying i opened up a account with them on XX/XX/2022 XXXXI DIDNT open a account with this company. They purchased this account as a charged off account with XXXX XXXX XXXX. My question is how is this possible? this is fraud putting on my credit report that i have a open account and it was a charge off. LVNV FUNDING XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit  bureaus. 

The bank name is being reported differently on my credit reports : XXXX  ; XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX : The XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX/TOTAL CRD with address as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  : current status is listed as Charged Off as bad debt XXXX : current status is listed as Charge Off XXXX  current status Acct transferred to another office XXXX : 30 day late XX/XX/2017 XXXX : 30 day late XX/XX/2017, XX/XX/2017 XXXX  : 60 day late XX/XX/2017 XXXX : 60 day late XXXX date of last activity : XXXX XX/XX/2017 XXXX  XX/XX/2017 Closed date of XX/XX/2017 is only being reported by XXXX
Product: Checking or savings account

On XX/XX/2022, {$3100.00} was withdrawn from my checking account in person from the citizens branch of Frost Bank. The ID used was not verified properly nor confirmed with the person using it to withdraw my money, which is a horrible mistake of security by a bank whose job it is to protect my money. I have yet to receive my money back in either a credit nor actual amount and it has caused me intense financial harm. I am currently going through full identity theft and have provided them with an ample amount of information to prove it was not myself who withdrew the money including having my manager provide a time stamped set of job information pertaining to my workplace and a set of contacts that could confirm I was nowhere near the area when the withdrawal happened. They have refused to answer my calls and have not provided me with any information regarding the claim in 4 days. The bank made a grave mistake and it is now costing me more than it would have in the first place if they would have refunded my money and instead I am unable to pay my bills because of their corporate protocols.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Student loan

The balance at the time of the initiation of my loans on XX/XX/02 is XXXX and XXXX. At present time the balance is even higher than when I took the loans out:XXXX and XXXX. I don't know how this can be possible. The total payments made on both loans is approximately in the {$35000.00} range. I have never been delinquent on these loans and they will never come close to being paid off, ever. I have tried to work with Navient regarding setting up payment plans, with no avail. I desperately need some assistance investigating this matter. I believe I am being charged an unfair amount of interest on these loans, while an insignificant amount of my payments made were applied to the principal.
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. 

Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I submitted a request for the blocking of information along with everything required to assure swift and timely assistance but in return I got a piece of mail that is completely inaccurate
Product: Credit reporting

Account was closed by myself due to continuous fees on account. Nothing owed. zero balance.
Product: Debt collection

XXXX XXXX current creditor XXXX XXXX XXXX oringal creditor XXXX XXXX XXXX XXXX   oringinal account # XXXX XXXX ref XXXX XXXX phone number XXXX ext XXXX i do not know what this is it has been on my credit report for a least 10 yrs or more i am XXXX and do not know what to do thank you XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  pa XXXX
Product: Debt collection

I had a debt with XXXX  XXXX XXXX - XXXX that I paid XXXX XXXX XXXX {$1300.00} on XX/XX/2018. The next day I was contacted by XXXX  attempting to collect the same debt, when I informed them that I had paid it through XXXX XXXX XXXX, XXXX then filed it on my credit on XX/XX/2018.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish it has caused me in my life. Please help resolve this matter because it is illegal to report these accounts without my written signature.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to each reporting agency for a resolution but was not able to achieve one. 

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 and number XXXX XXXX Bank ( XXXX ), XXXX ( XXXX ), XXXX XXXX XXXX XXXX XXXX ), XXXX Finance C ( XXXX ) XXXX5 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 repot containing any of the following items of information Any other adverse item of information, other than records of conviction 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

In accordance with the Fair Credit Reporting Act Section 611 ( 15 U.S.C. 16811 ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #.

according to consumer laws 15 U.S. Code 1681i A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than ... ,18 U.S. Code 894 - Collection of extensions of credit by extortionate means,15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies as well as 15 U.S. Code 1681a - Definitions ; rules of construction,15 U.S. Code 1605 - Determination of finance charge,15 U.S. Code 1681i - Procedure in case of disputed accuracy,15 U.S. Code 1681n - Civil liability for willful noncompliance,15 U.S. Code 6802 - Obligations with respect to disclosures of personal information,15 U.S. Code 1666b - Timing of payments and consumer law 12 CFR 1026.13 - Billing error resolution.MY RIGHTS ARE BEING VIOLATED. 


INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly XXXX XXXX ACCOUNT # XXXX XXXX XXXX  ACCOUNT ACCOUNT # XXXX
Product: Mortgage

My wife worked with Chase on our first mortgage. Overall the entire process was a let down, but my reason for this complaint was because we were told untrue and I believe purposefully inaccurate information. My loan banker, XXXX told me in multiple conversation that a benefit Chase has over other banks is that the automatically remove the PMI after 5 years. It sounded too good to be true, but she said that she took advantage of this benefit herself. She sold this incorrect info as a a benefit. She is longer an employee of Chase, and when I filed this complaint and escalated to corporate it was was delayed and they quickly closed. XXXX XXXX  never returned any phone calls. When I told them I have proof in the form of emails, I was told they don’t accept emails and would not communicate with me via email. I tried to speak with them and handle. I never felt the bank was interested in my side or taking any actions.
Product: Credit reporting

I received a credit report from Experian on XXXX/XXXX/2015 stating the items I deputed has been deleted from my credit report. Then I received a credit report on XXXX/XXXX/2015 saying that the items has been updated or remains. Without reasoning or explanation I think this is unfair practices of Experian.
Product: Credit reporting or other personal consumer reports

i Ask equifax why they block my report on there site i ask speak to mange hang up on me XXXX XXXX 2024 why is report lock when i send my id and bill and ssn card to them here my id ssn bill i would like my report unlock on there site plese my
Product: Credit reporting, credit repair services, or other personal consumer reports

After a dispute, XXXX XXXX XXXX verified incorrect information on my Experian Credit Report. In XX/XX/XXXX I first became delinquent on my XXXX XXXX Credit Card. The account was charged off in XX/XX/XXXX. Up until XX/XX/XXXX the account had the correct payment history and charge off date of XX/XX/XXXX reported on Experian. 

I paid the account in full ( {$140.00} ) on XX/XX/XXXX. The next month, XX/XX/XXXX, my Experian showed that my XXXX XXXX Credit Card was charged off on XX/XX/XXXX. They reported the charge off again on XX/XX/XXXX. This information was false so I disputed it on both my Experian report. The company then verified the false information and the dispute was closed. 

I wrote and called XXXX XXXX to try to get this false information corrected. I have received no response. I spoke with the credit reporting agencies and they said there was nothing I could do other than file a complaint.
Product: Credit reporting or other personal consumer reports

I have already disputed these items with the bureaus, but they didn't delete or validate them. 
Please remove these accounts from my credit files. 

In accordance with the Fair Credit Reporting act 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 XXXXXXXX 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

I never received a letter or was notified of having the debt. I was in communication with the debt collector while i was paying off my account and when i finished the pay off. I asked to see if there was any other account with them. They assured me there was not any other debt with them, then a few days later i saw another derogatory account on my credit report. They never attempted to contact me or notified me with the balance. I would have paid them, however they didn't notify me. I find this practice to be unethical and illegal, because before they report anything to any credit bureau they are obligated to attempt to collect the debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear All, I'm writing this complaint concering the three credid bureaus because i believe that they dont use correct criteria or use information in a wrong way to calculate one 's credit score. 
In my case, I recently found out that my score dropped down XXXX to XXXX without any obvious reason. Indeed, looking at what has changed, I saw the following report : 1. Balance increased in one account by {$520.00}. This card statement balance is paid automatically every month. All my cards are paid automatically, every month. 
XXXX. Balance decreased by {$53.00} XXXX XXXX  XXXX XXXX ) Balance decreased by {$14000.00}. I paid off my auto loan ( XXXX XXXX ). 
Balance decreased by {$100.00} ( XXXX XXXX XXXX ) XXXX. XXXX XXXX Account was closed. The only I know is that paid off my loan. I was not asked wheher to keep or not this account. 
After this, I'm trying to figure out what is wrong with my account and wonder why?!!! 
Am I punished because I have all my payments made on-time 100 %? 
Am I punished because I paid off my auto loan? 
Am I punished because I keep all credit usage below 8 %? 
Please, I would appreciate if the three bureaus investigate this issue and restore my credit score, which I believe it should be around XXXX. 

Thank you very much for your consideration. 
Kind Regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - Inaccurate information, list twice duplicate account, paid as agreed XXXX XXXX XXXX XXXX Inaccurate information, was not a charge off, reporting incorrectly, accounts over 7 years XXXX XXXX XXXX - Inaccurate Information, was not a charge off, reporting incorrectly, account over 7 years XXXX XXXX account over 7 years, reporting incorrectly, and inaccurately, duplicate accounts on report XXXX XXXX account over 7 years reporting incorrectly, and inaccurately, duplicate accounts on report
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 



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: Debt collection

15 u.s code $ 1681c-2 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. it has been 30days and you are in VIOLATION of this law because I am a victim of identity theft!! please delete these items IMMEDIATELY! These accounts should not be furnished on y consumer report as they are in VIOLATION! Under,15 U.S Code 1681b-permissible purpose of consumer reports ( a ) IN GENERAL subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstance and no other : ( 2 ) in accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federally protected consumer. NO CONSENT IS IDENTITY THEFT.As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Debt collection

I get countless calls for a XXXX  account that was sold my personal information to a collection agency I did not agree/sign on. The harassment has been going on for years because 2 years again when I asked for proof over the phone if they had anything they can send me proving I agreed to the collection terms or paying they never could provide me with any information. 

the amount was for {$800.00} this new collection agency sold to again is : credence resource mana ( no number on experian to contact & call )
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. 

US DEPT OF ED/XXXX XXXX XXXX US DEPT OF EDXXXX XXXX, US DEPT OF EDXXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Sounds like I 'm being sued. Calls everyday with same harassing robo message. They neglect to identify who 's calling, therefore I will not answer, especially while I 'm at work. Message is obviously meant to intimidate.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX  XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX CT XXXX XXXX TX XXXX, XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX Balance : {$0.00}, XXXX  XXXX XXXX Balance : {$350.00}, XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX Balance : {$3800.00}, XXXX XXXX Balance : {$960.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Bankruptcy Reference # XXXX XXXX Date Filed/Reported : XX/XX/XXXX, XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX
Product: Checking or savings account

I would.lik to set up a way to load money for my granddaughter on a XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( 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 ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

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 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 XXXXXX/XX/XXXX
Product: Checking or savings account

A cheque from the US Treasury was endorsed via forgery of someone whom has been impersonating me for some time. The cheque was taken from my mailbox as people have been sorting and forwarding my mail. The parties involved have been attempting to take power of attorney from me, so that they can validate the endorsement of the cheque and the spending of the funds. The checking account and savings account is in XXXX XXXX & XXXX XXXX name. The money came from an originated cheque that was paid to my order XXXX XXXX. The parties involved never gave me access to the money and are using my name and identification fraudulently.