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

I have contacted the bureaus ' one by one without avail. I have called, asserted, and expressed my displeasure to the companies at large, on X/XX/2013. I was requested to send in a XXXX of my photo identifying me along with a recent bill in the name and social security number. I completely satisfied their demands. Only to wait thirty days to receive a reply from XXXX stating that they needed more Intel to complete and/or look into my request. 

What the heck! 
I felt XXXX, discouraged, and disparaged at the least. 
All the credit bureaus ' have illegally hoarded my personal information unwittingly to my knowledge and without my consent in any form especially in written form as required. In pursuance to the XXXX privacy act all of the credit bureaus ' i have listed not limited to FICO, XXXX XXXX, XXXX, EXPERIAN, & XXXX have blatantly and intentionally violated all privacy rights and allowed my personal information to be leaked and disseminated due to their false and misleading ways. 

Relative to the Fair Debt Collection practices act all of the credit bureaus ' aforementioned in this complaint have maliciously and collectively worked in concert by unlawfully distributing consumer personal data for profitable gain at the expenses of pain and suffering of those so inflicted by the course of their willing and intentional violation. It is my request to have the CFPB to advocate on my behalf, to have all of my personal and sensitive data completely removed from every database my information is held by the aforementioned above. It is a great disgrace, that the aforementioned and above-mentioned engaged in pursuance of filthy lucre at the expenses of many consumers by such fraudulent means. 

I have suffered humiliation, XXXX XXXX and credit disaster because of it. It has greatly decreased my capacity to attain credit for housing, transportation, and it has incapacitated me from career opportunities. i have been XXXX and hospitalized because of it in the past. I request punitive damages for my mental, financial pain, and suffering -- also for the prevention of the huge number of failed opportunities these criminal violator 's have caused me. I do not consent to a class action suit. This is personal for me and I 'd like it to be addressed as such. I also would like to express my eternal gratitude for the CFPB protection of my family and household.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX I received payment of XXXX and XXXX to Venmo account. The payment of XXXX from the sender requested refunded next day stop the refund request. I was very new Venmo not sure about everything I ended up someone purchasing XXXX  When I realized that I stop and sold so I could get receive funding back. The payment of XXXX I received I tried to transfer to my account. Never made it. I receive an email from Venmo stating they reported unusual activity on my account with that my account permanently band. I asked them Venmo from XXXX XXXX what did I do that went against Venmo user policy. No one tell me. Still nothing. They reversed XXXX payment back to the lady. The lady sends me a message like she didnt understand why? The payment from XXXX I accidentally bought came in on Venmo account XXXX sitting in my account they wont let me have access too. I keep asking them I want to know how I violated user terms, what is the unusual activity they are accusing me of violating and doing. Its now XXXX XXXX no one will inform me. All I got back is that payment is in loss prevention where it will stay XXXX after the 180 days if they feel up to giving me the payment they will if not they keep it. No one will inform me of anything. I keep getting the runaround.
Product: Credit reporting or other personal consumer reports

Reviewed most recent credit report from all credit reporting agencies and I noticed inquires that did not belong to me. After reaching out to the creditors, I was advised they did not have a record on file of me ever applying credit with their company. The creditor advised me to contact the CRA to have the inquiry disputed and investigated as they do not have the ability to do so. 

After contacting the CRA I was met with push back even though I expressed inquires in question did not belong to me and the creditors agreed to the inquiries are not attached to any file or application they have with my personal accurate information. 

15 USC 1681b ( c ) Furnishing reports in connection with credit or insurance transactions that are not initiated by consumer ( 3 ) Information regarding inquiries ; Except as provided in section 15 USC 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I participated in the loan rehabilitation program with XXXX and was told that after completing the program, any negative info on my credit report related to the loans in question would be removed and that the loans would appear as in " good standing. '' The loans were then transferred to XXXX, who then transferred the loans to Navient during the repayment period. However, XXXX report that I did n't pay as agreed and that the loans were being repaid through a government claim. However, XXXX sold the loan WHILE I was making payments " as agreed. '' Additionally, they reported the wrong account info to Navient ( wrong orig loan amount, wrong disbursed amount, wrong interest rate on the loans ). This has caused me to lose credit offers, denial of credit applications, and higher interest rate based on my credit score. Not to mention the incorrect info has negatively affected my credit report and score as the info has been incorrectly reported to the credit bureaus since 2014.
Product: Debt collection

Cease and Desist Communication Regarding Debt Dear LVNV Funding LLC I hope this letter finds you well. I am writing to formally notify you regarding the accounts referenced under [ account numbers XXXX, XXXX, XXXX. 

I would like to bring to your attention the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692c. According to this statute, if a consumer notifies a debt collector that they refuse to pay a debt, the debt collector is required to cease all communication with that consumer.

I hereby communicate my refusal to pay this debt. Therefore, as mandated by 15 USC 1692c, I request that you stop all forms of communication with me going forward. I would like to clarify that any reporting of this account to a consumer reporting agency is considered a form of communication, and as such, it must also cease. 



Thank you for your attention to this matter.
Product: Mortgage

SLS continues to improperly withhold PMI even after the LTV has dropped below 78 %. Many calls were made to handle this and the company states their policy requires a wait XXXX 45 days.
Product: Credit card or prepaid card

This is not a duplicate. The is the 7th and final complaint. None of the information was ever provided to me as stated previously, and after the last complaint it was supposed to be mailed again. I received a letter that stated an error did occur, but the amount of the dispute and the amount of the credit on the paperwork do not match at all. I will attach that. And also if you will look back into these complaints you will see that the dates do not match with the " evidence '. Prime example is that on the complaint dated for XX/XX/XXXX you will notice in the notes that the representative stated that the documentation was received from the company validating the charges on XX/XX/XXXX, however by that date they had already reversed the temporary credit that was on my account. So why was the credit reversed before any information was obtained to deny it? I am sending this to the Oklahoma Attorney Generals office for further assistance.
Product: Debt collection

SPEEDY CASH CASE NO XXXX AMOUNT XXXX RECEIVED EMAIL STATING THEY WILL TAKE ME TO COURT AND GARNISH MY WAGES FOR THE AMOUNT OF XXXX EXCLUDING ATTORNEY CHARGES. 

" THE XXXX LAW FIRM '' THEY KEEP CALLING ME AND I DON'T REMEMBER THIS DEBT AND I HAVE NEVER RECEIVED A WRITTEN NOTICE OF ANY KIND
Product: Credit reporting or other personal consumer reports

XXXX has failed to full-fill it's legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systematic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standings. I am requesting immediate corrective action to remove or amend the dispute accounts, as XXXXXXXX XXXX inaction violates federal law and my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, has been reporting items since 2012 on my credit report that do not belong to me. I have been asking them to remove these items year after year but I guess because I can not afford a lawyer they just ignore my request. I am a single mother my XXXX XXXX XXXX and this all has me stressed to the max. I have told them repeatedly that I am a victim of identity theift and they have done nothing to help me. I have sent in police reports dr reports of what this is doing to me and XXXX XXXX. I ca n't even move because of all the fraudulent credit inquires they have listed on my report which all the other agencies have removed accept equifax. I feel like my rights are being violated and they just ignore me because I do n't have a lawyer. But I plan on contacting the local news stations in the matter because it 's been yrs and I keep spending money writing them with no response to solve the problem. I want those XXXX  credit inquires removed off my report as they are fraud as well as everything else I wrote them and requested.
Product: Credit card or prepaid card

I had called the company regarding my citi bank Best Buy credit card. I am in a debt settlement program, I was paying my Best Buy credit card when they closed my account. When they closed my account, is around the time I really struggling with payments. When I talked to Best Buy citi bank they were willing to help me but the man that was suppose to help me regarding a hardship program, did not! I felt like I was being treated like a child. He was suppose to help me with a payment plan and when asked about what I used the card for? I explained to him emergencies like bills, gas, groceries and etc but he kept saying " that's not what I'm seeing here '' and I didn't understand what he was talking about because that is what I used it for but the way he was talking to me, I felt like he was hinting that I just used the card for a shopping spree. Which really upset me because I don't owe anyone an explanation but I do use my things I can't pay in a bind. I'm a paycheck to paycheck house hold. I didn't like how I was treated and was very upset. I had emailed the company 2 times. Since XX/XX/2022 and haven't heard a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, my name is XXXX XXXX. I was born in XXXX, Pa on XX/XX/1994. I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. This is affecting me in a negative way. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible!
Product: Credit reporting, credit repair services, or other personal consumer reports

Its not the First time, those credit report act like XXXX and dont respect the right of US citizen, they dont care and update wrong information! 

I did pay off XXXX XXXX $ With XXXX my car loan end of XX/XX/2018. 
I did sent the payoff letter to XXXX XXXX  TRANSUNION as a proof. 

Like always when I contacted them to obtain the update on my report, they dont find anything. 

I send again the letter for an immediate update! Those companies need to respect the law!
Product: Credit reporting

CFPB : PLEASE BE ADVISED, THIS IS NOT A DUPLICATE COMPLAINT. I AM RESPONDING BACK TO EQUIFAX IN REGARDS TO A WRITTEN LETTER THAT THEY SENT TO ME VIA THE U.S. MAIL. PLEASE FORWARD THIS COMPLAINT OVER TO THEM ON MY BEHALF. THANK YOU. 


Equifax Consumer Relations XXXX XXXX, 2016 To Whom It May Concern : REF : Intent to file suit : violation of the FCRA I have sent 5 previous letters to you, all by certified mail ( copies of receipts enclosed ) requesting that you remove inaccurate information from my file and you have failed to do so. 

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters all sent certified mail stated my reasons for an investigation and these reasons were not frivolous in any way. 

If this final request does not prompt Equifax to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX County Courts for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA, and the FDCPA and intend to pursue them to the maximum. 

I anticipate your response. 



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

I have asked XXXX, XXXX and XXXX to remove a collection from Portfolio Recovery as Portfolio did not respond to my request o verify the purchase of the debt. 

This is what was sent to Portfolio by certified mail. they did not respond " Hello, Please provide a signed copy of the purchase agreement between you and XXXXXXXX XXXX showing the amount you paid for the debt, all terms and conditions and the statement from XXXX guaranteeing the accuracy of any documents provided to you. 
I asked you to cease all communications but am preparing for a lawsuit against XXXX as I have multiple debt collectors trying to collect the same debt. 
Please let me know in writing if you do not intend to provide the requested document. After that our business will be concluded and there will be no further contact or action by you. 
If you do not intend to provide the document or are unable to them, please remove the collection from all credit reports. 

Please do send me copies of statements or a generic le er that says they sold it to you. PRA is aware of exactly what I am asking for. '' XXXX, XXXX and XXXX were provided a copy of this letter. XXXX has responded that they verified the information but did not provide the requested copies of how they verified it. 

My understand off FCRA is that if Portfolio can not provide the requested information they must remove the information.
Product: Payday loan, title loan, personal loan, or advance loan

Getting nowhere paying the loan off. I try to make payments but the balance never goes down. Im fighting a losing battle and need to reduce my payments. Interest and fees accruing and taking away money is fine. Getting emails about a late payment when all I did was remove the auto pay.
Product: Payday loan, title loan, personal loan, or advance loan

Title MAX XXXX contacted me by phone.I filed complaint proir to having issues before i paid out. ( Since my last complaint ; local office kept distasteful effort into me resigning for a new loan ; which I Refused verbally & by action. There is NO LAWS that require me to sign anythang from any company ) I informed XXXX rep of my situation ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX rep. told me to send {$100.00} per month before XXXX I received my XXXX  payout before that date. I paid directly the titlemax in full like I told XXXX rep i would upon receiving my money. Titlemax have refused by action to send me my title release from XXXX by mail to my mailing address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nor have tiltemax has had any other correspondiente communication with me. I avoiding waking in the office & any other communication due to stress, uncomforable physically and verbal communication with this company. It been more than XXXX weeks. Tiltemax has stopped communication period. When is my title beginning to get released???? Still in my possession email/screenshot that loan is PAID IN FULL... .Will release documentacin upon request only
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/2023 and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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. 
( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 
This is unfair and if they are doing this to me imagine who else they are doing this too. 
Can you fix
Product: Checking or savings account

I by mistakenly paid my US Bank credit card bill twice of amount {$620.00} each on XX/XX/2019 from my US Bank Check-in account. SO I called the bank on XX/XX/2019 and asked them to reverse one of the transaction. And the bank representative said it will be reversed in 7-8days. 
Then on XX/XX/2019 as I saw no progress was made so i called US Bank again on the same date and then the credit card department told me the amount will be reversed to my account in 24 hours. After that I could see the amount of {$620.00} is being reversed from the credit card but it didn't reach my US Bank Check-in account. 
So today XX/XX/2019 I called US Bank again to know why the amount of {$620.00} is not in my account yet, and now they are saying it can take up to 10 days from the day which credit card department reversed the amount, which was on XX/XX/2019. This means I will get my money on XX/XX/2019. 
And they are also claiming I never called US Bank on XX/XX/2019. Where as I have proof of call list stating I called them on XX/XX/2019 and talked to them for 23mins to get my money reversed. Its a harassment for me and claiming me to be a liar and not willing to help in reversing my money. 
I have attached the proof of my call history with US Bank. 
So after I raised my request for reversal on XX/XX/2019, I will get my money back on XX/XX/2019.
Product: Debt collection

I receive my credit report around XX/XX/2020 and it showed that I owed a company called Transworld Systems Inc on behalf of XXXX. The amount shows a balance of {$3000.00}. I reached out to them by sending a debt validation letter concerning this debt. This is not my account and I have asked them to remove it. Transworld sent me a letter in XX/XX/2020 responding that they received my inquiry. But they are still reporting inaccurate information as of today XX/XX/2020. I verbally spoke with someone sometime in XX/XX/2020 from Transworld and to this day I have not received any information validating this debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX and I am submitting this complaint about recent disputes sent to Equifax about erroneous information on my credit report. Regardless of the multiple written requests, the unverified accounts listed below are still reported on my credit report in violation of federal law. Please remove or update the following accounts completely from my Credit Reports : XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$1400.00} ( Original Creditor : XXXX  ) XXXX Balance : {$240.00}
Product: Debt collection

I disputed with this company last year and the account was closed, but I was just contacted today XXXX, XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

, I have asked this company on multiple occasion to do a proper investigation according to the Law and they have refused. This attachment was sent to the bureau over 2 weeks ago ; and still no response has been given. Not only did I not give written consent to furnish this information on my credit, but they're also reporting inaccurate information. These accounts need to be deleted or I will be left with no choice then to purse legal action which is costly to me and the company knows this. Please hold them accountable. These alleged accounts have prevented me from being able to obtain the basic necessities in life.
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.

XXXX : current status is listed as Charged Off as bad debt 1 late payment reported for XX/XX/2017 Equifax : current status is listed as Settlement Accepted/Charge Off Account 2 late payments reported for XXXX & XX/XX/2017 XXXX : current status is listed as Transferred to another lender 6 late payments reported for XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/2017 Due to these inaccuracies I request that this account be deleted from my credit report, following my rights under FCRA Section 623.

I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation ; including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed.
Product: Prepaid card

Hello i have a rushcard my money was deposit into my account unable to retrieve my funds rushcard said that it will be up and running but i keep calling ca n't get threw ...