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

The credit bureaus have failed to investigate inaccurate information they have added to my credit report including providing the appropriate documentation to verify this information. I have filed numerous disputes including today, XX/XX/23. I am continued to be denied the right to have this false information investigated by all 3 credit bureaus : XXXX, XXXX and Equifax despite the fact they are reporting false information that has caused me irreversible damages. All 3 credit bureaus named above have violated my rights under Fair Credit Reporting Act. For reference I have uploaded the most recent denials from today 's date of XX/XX/23.
Product: Debt collection

I 'm receiving letters from XXXX and XXXX claiming to represent New Century Financial services. They claim that it 's a subpoena and ordering me to state my finances.
Product: Debt collection

My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Lviv Funding LLC for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. Please provide me with documentary evidence of the obligors indebtedness. 

This company is in violation of the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
I am legally refusing to pay this debt pursuant to 15 U.S. Code 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until LVNV Funding LLC, can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and LVNV Funding LLC, continues its collection efforts, I will file for litigation for actual damages caused and LVNV Funding LLC, shall be liable for violations of TILA, FCRA, GLBA, CFPA, the Sherman Antitrust Act, Robinson-Patman Act, Clayton Act XXXX FTC ACT and RICO Act. 

Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
Product: Money transfer, virtual currency, or money service

Capital One has not credited my payroll deposit or successfully transferred wired funds to my business account. Transactions were initiated on XX/XX/year> and as of today XX/XX/year> have not been received
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properiy investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. There are not showing any account numbers that state these accounts actually belong to me ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX )
Product: Payday loan, title loan, personal loan, or advance loan

I XXXX XXXX am a living breathing man created by God. I hereby in Good Faith am pursuing my right to 15 U.S.C 1635 A ( f ) to Rescind this transaction with Title Max and have the ( Clear ) Title of my vehicle mailed back to me. Amongst the several violations found within this transaction I was not disclosed my right to rescind which is an obligation required under this section together with the statement containing the material disclosures required under the sub chapter. Title Max is also obligated to clearly and conspicuously disclose this information in which they have failed to do so. I am rescinding this transaction as I have been deceived and manipulated into making payments even though the Finance Charge in pursuant to 15 U.S.C 1605 clearly states that A Finance Charge is the sum of ALL charges which also includes the insurance. I am exercising my God given rights and my right to rescind this fraudulent contract as there are many violations within the Truth-In-Lending disclosure ( TILA ) and Fair Credit Reporting Act ( FCRA ). Aggravated Identity theft has also taken place when my vehicle was repossessed from me without my permission from a third-party company in which I am owed compensation for. In pursuant to 15 U.S.C 6802-Obligations with respect to disclosure of personal information. Under subsection ( b ) - A financial institution may not disclose nonpublic personal information to a nonaffiliated third party. This is Identity Theft. Also, according to 15 U.S.C 1692f-Unfair practices-my property is exempt by law from such dispossession or disablement. Under sub section ( 6 ) Taking or threatening to take any nonjudicial action to effect dispossession or displacement of property has been violated.
Product: Credit reporting or other personal consumer reports

Account # XXXX I am writing to dispute inaccurate information that has been reported by Aidvantage, the federal loan servicing unit of Maximus Education, XXXX, on my credit report. This dispute is in accordance with the Fair Credit Reporting Act ( FCRA ) 15 USC Section 602, On XX/XX/XXXX, Aidvantage, account # XXXX in the amount of {$73000.00}, began reporting my nonpublic personal information to nonaffiliated third-party credit reporting agencies, namely XXXX, XXXX, and XXXX, XXXX obtaining my consent and without providing me, the consumer, with a nondisclosure option. This action is in direct violation of Family Educational Rights and Privacy Act ( FERPA of 1974 20 USC 1232g ( b ) and, 15 U.S.Code 1681s-2 ( A ) ( 1 ), which states, " 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. '' Furthermore, I have adhered to the provisions outlined in 15 U.S.Code 6802 and 6804, wherein I provided Aidvantage/Maximus Education LLC with an opt-out notice. Regrettably, Aidvantage/Maximus Education LLC failed to provide a reasonable opt-out form, denying me the opportunity to protect my nonpublic personal information. As a result, I, the consumer, have not given my consent, and I am hereby opting out of any and all authorizations given, whether written, unwritten, verbal, or nonverbal, to Aidvantage/Maximus Education LLC . This revocation of authorization includes any communication of my information to third-party consumer reporting agencies. 

I kindly request your immediate investigation into this matter and the removal of the inaccurate information from my credit report.
Product: Debt collection

Ive asked them not to contact me and remove all records from my consumer report. They are now sending communication to collect via mail. They are sending something that they are calling a validated notice which is not a validation letter. It doesnt contain my wet signature. This debt was written off XX/XX/2021 which means the company accepted a tax write off and this debt is no longer collectible.
Product: Debt collection

Received paper work from A court XX/XX/year> Need to Show up for court XX/XX/year> Responsible for a debt that I don't know nothing about
Product: Checking or savings account

Back in 2020 during when the pandemic started I had been waiting for my unemployment debit card from Bank of America I never received it I tried to contact the bank my account had been taken over because someone who had my account had put a password on it that I did not know so no agent or anybody from Bank of America would talk to me or give me any information on what was going on with the account they wouldn't even tell me if there was money in the account or if there was money been taken out of the account because I couldn't prove who I was all the documentation they sent me I have the first statement they sent me did not have correct dates it was all mismatched it was all Incorrect and they sent me another letters stating that there was incorrect dates and information that they fixed which I don't believe that they fixed because it's still kind of confusing to me I never received any money from any deposits deposited to that account and just recently when I called to file a claim to receive my money that I never received I was told that there was another account open in my name and that there was money put into that account that was used that I never knew about
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX balance transfer offer so I signed up for a new credit card. On XX/XX/2022 I did a balance transfer for {$7400.00} to my Bank of America account and they got my account number wrong. It went to the account number XXXX XXXX XXXX XXXX which is XXXX XXXX XXXX XXXX Bank of America account. My bank of America account number that it was supposed to go to is XXXX XXXX XXXX XXXX. I had tried to dispute this with XXXX XXXX and they closed the dispute and XXXX Bank of America had to resolve it. I spoke with Bank of America, and they stated it is XXXX XXXX XXXX XXXX I have XXXX XXXX XXXX XXXX customer Id is XXXX. Payment date was XX/XX/2022. It was not authorized to go into any account other than mine with the account holders name of XXXX XXXX. My name is not on the account it went into. I want the transfer amount to go back to my XXXX XXXX that I opened. The account number with XXXX XXXX that now has the transfer amount of the {$7400.00} is in my name XXXX XXXX and the account number is XXXX XXXX XXXX XXXX. That is the account that I want the transfer amount returned to.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile.

The account in question are as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence.

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Credit reporting or other personal consumer reports

I have an account on my credit report. 


XXXX XXXX XXXX {$520.00}
Product: Credit reporting or other personal consumer reports

XXXX is no longer authorized to collect on my XXXX  loans due to recent changes in loan servicing practices. Since the loan has been transferred to a new servicer, XXXX no longer holds any legal claim over the debt. Therefore, all related negative entries on my credit report should be removed, as they are no longer accurate or applicable. I request that XXXX be removed from my credit report in 4 days to reflect this updated status and to prevent any further negative impact on my creditworthiness.
Product: Credit card or prepaid card

Signed up for the XXXX XXXX. Received XXXX XXXX. Had to call and pay XXXX processing fee to even access the credit limit. I did not even apply for this card so they illegally accessed my credit file. Upon payment they read the terms. It was clearly stated on a recorded line that the annual fee of {$99.00} would not occur until the 2nd year. After payment I looked online at my balance and seen that the {$99.00} was charged. Called and got all attitude and hateful people on the phone. No resolve. 

I also made a payment, their site clearly stated all ACH payments will post to your credit line in 5 days. I waited 6 and seen my limit was not adjusted. Called and got a rep who stated it was 7 days. I stated your website in FAQ clearly stated 5 days. She got snippy and said not her problem and hung up. 

The company is clearly out to get consumers and has no compassion or regard to regulations.
Product: Debt collection

I have a bill of XXXX from an insurance claim by National/XXXX XXXX XXXX. This was paid in full in XXXX. National even shows that all the way back in XXXX it was paid but creditor is still going after me. Also, the incident happened in XXXX so this was not a case that the file was already in collections. It was placed into collections after I paid the amount in full. 

I have attached the credit card receipt of payment. The XXXXnational receipt of payment and the proof that I sent the receipt to national as requested. I also have included one of the many TSI emails I have received which I thought was spam until I saw the amount matched the claim.
Product: Credit reporting or other personal consumer reports

I pulled my Equifax credit report and noticed some hard inquires that I didn't authorized. I am wanting these inquiries to be deleted because I did not authorized these companies to run my credit, This is fraudulent. I have spoken to each company and they don't have no record of my name nor my social security number tied to these inquires.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX  amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX  : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX  XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.
Product: Credit reporting or other personal consumer reports

I have police report showing that I have identity theft on me I have sent in the police report to Experian Equifax and Trans Union and nothing has been addressed
Product: Credit reporting, credit repair services, or other personal consumer reports

The reason for the dispute was submitted XX/XX/2023 and why I know the information is incorrect reporting to my credit report. The FCRA firmly sates any Mistakes must be removed once you have reported an error on your credit report or background check, and the reporting agency can not verify that the information they have is correct, they must remove the error within 30 days. They are now in violation of this error and this must be removed immediately from my credit report or I have the right to peruse legal action.
Product: Credit reporting or other personal consumer reports

hello on XX/XX/23 i sent transunion information regarding collection inforamtion they reported to my credit. It has been over 30 days and i have yet to get any information regarding this matter. I know by law they have to process my request but seems as if they are refusing to do so.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, Equifax, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX Consumer Financial Protection Bureau, and XXXX XXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Credit reporting or other personal consumer reports

My personal information has been exposed in a data breach. These accounts listed on my dispute do not belong to me.
Product: Checking or savings account

Opened a checking account with Citibank 's branch in XXXX in XXXX in mid XXXX, where I was promised free checks to be made available as a part of the account opening. No checks were sent to me for 5 weeks. I tried weekly to get a hold of the customer representative who opened the account, to no avail. I assume the branch has been closed due to COVID-19 but have no way of finding out as I don't live in XXXX. 

I tried tried contacting customer service representative twice and was put on hold indefinitely without any response. Being without checks for almost 2 months I went on the company 's website and found there was an order checks option. I chose it and it gave an option for 1 or 4 boxes. I chose 1 and proceeded to submit. No dollar cost was given, so I assumed it was handled without a cost. Following 1 more week without any checks, I again went on their website and chose to print again, this time for 4 boxes. Again, it did not mention any costs. I submitted for printing to be done. 

This week I was sent 4 check boxes, and my account my charged {$100.00} without any prior indication of the costs. I contacted customer support, and was finally able to speak to a representative who said he could not reverse the costs, but I should go to my closest branch with the checks and get reimbursed. I went in today and explained the story and was told they can not reimburse as they are not the branch with the account. 

I expect the charge to be reimbursed as it was promised for free and after 2 months, no checks were ever given and the printing costs were never disclosed by Citibank. 

I have emails from the customer representative until the opening of the account and promise to provide free checks, made by XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

After filing my original complaint with the company about the two issues I had the man who called me argued with me to try and do his job for him, he asked me specific dates regarding the calls where they wouldn't take my payments and the call where the company told me because I was XXXX  I can do a repayment plan and they would fix the credit report which never happend again and again.. This man basically told me he needed specific dates from years ago to review the calls and said he would need proof and more information regarding my XXXX.. to my knowledge you already accepted my repayment plan in the beginning and YOUR company told me something your company now refuses to honor.., its his job to go and review those calls not myself and it was over 4 years ago how can i give you a specific date from 4 year ago i gave you a date range why don't you go do YOUR job and review those call periods?? .. he told me " no he wouldn't be doing that ''?? it's a simple request and he refused on all grounds and told me it wasn't his problem that the company they sold my loan too didn't have the forbearance documentation from covid.. well whos fault is it mine?? I never even signed a forbearance plan YOU just said I'm on it and i don't need to make payments.. So after you refused to take my payments and when you did sell the loan you just happen to forget to mention the most important part of the loan? I don't believe that was a mistake at all ... and I was forced to pay a Lump sum to the XXXX XXXX XXXX to keep my house which I also found out was not true from this website where is says you have to offer payment plans.. i was never offered anything like that, I was told pay or good-bye house..
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is has been showing on my consumer credit reports as a charge-off for 7 years plus. Ive been trying to dispute this issue for 2 years now. It is illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. They can't charge it off then report it to IRS. Furthermore, ( XXXX XXXX  XXXX ) is committing tax fraud. As it stands, I have not received a copy of this form. My rights as a consumer are protected under Chapter 41 Title 15 USC 1601 highlights the consumer 's informed use of credit. At the time that I entered this consumer credit transaction, I was uninformed and I did not understand as the information was not clear and conspicuous. The agreement is null and void due to my lack of understanding because of your corporations unfair, deceptive, and misleadingpractices.
Product: Checking or savings account

This bank is treating me very unfairly I was a good customer XXXX XXXX as well I recently found out they closed my checking account because they said I was negative balance they gave me no warning and now Wont let me have an account they denied me recently to open a new account I dont know what to do