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

In accordance with the Fair Credit Reporting act XXXX  Account ( XXXX XXXX  # XXXX, ( XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX Jefferson Capital Systems , LLC added a derogatory mark on my credit profile per XXXX XXXX XXXX $ XXXX, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor creditor did not verify collection. Also, there was NO written form of communication for contract or signature for this accused debt at all.
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.

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: Debt collection

Under the doctrine Estoppel by silence, XXXX XXXX XXXX XXXX XXXX  ) XXXX XXXX XXXX, XXXX I may presume that no proof of the alleged debt, nor therefore any debt, in face exists. I have contacted LVNV Funding on a matter that pertains to my credit. I have been a victim of fraud. I sent LVNV Funding a certified letter via usps to validate this account asking to send original documents and a host of other things. I have not received any of the documents I requested. I have an 3 accounts on my credit that does not belong to me. I asked LVNV Funding to remove the unvalidated information and nothing was done. I have the receipt that I sent the letter via usps certified. Removing this account from all three credit bureaus ( XXXXXXXX XXXX XXXXXXXX ) is what needs to take place there is no validation. I take pride in my credit and I have a XXXX score on my credit bureaus. This fraudulent account is ruining my credit to the extreme. A consumer can not provide signed documentation for an fraudulent account that they never authorized but I also asked for a signed documentation bearing my signature that I agreed to pay LVNV Funding and the collection agencies could not provide that information. You purchased this debt from the original creditor. I am very aware how this process goes. You have no legal right in this matter. Send me the documents that I signed stating I owe LVNV Funding. You can not because this is not my debt nor do I owe LVNV Funding anything. I want this information removed IMMEDIATELY! DO NOT SEND COPIES! I NEED ORGINALS WITH MY SIGNATURE FROM LVNV Funding NOT WHOMEVER YOU BOUGHT THIS DEBT FROM THAT DOES NOT BELONG TO ME!
Product: Credit reporting or other personal consumer reports

I received a copy of my XXXX credit report. To my surprise, this credit reporting company is reporting multiple accounts incorrectly. According to the FCRA, i have the right to an accurate and fair credit report. Please remove these accounts immediately from my credit report. Please provide me a copy of my new credit report reflecting these accounts removed upon completion. 

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN 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 federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 Certified Letter Sent to XXXX XXXX XXXX XXXX XXXX and Demand for Removal XX/XX/2021 Requested Response Letter Sent to Bureau Follow Up on Demand for Removal XX/XX/2021 Final Request Demand for Response My name is XXXX XXXX. I am contacting you on behalf of myself and no one is assisting me. I have contacted via certified mail XXXX, XXXX, Transunion on 3 separate occasions with no response or removal. This is a direct violation of 15 USC 1692 ( g ) Validation of Debts. 15 USC & 1681 c-2 Identity Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/XXXX I identified discrepancy 's with my credit profile and the accounts that you are reporting. I have requested for these accounts to be reviewed to ensure that everything was reporting 100 % accurate. I also requested validation of these accounts. I reviewed my credit report again on XX/XX/XXXX and to my surprise, the accounts continued to reflect on my credit report inaccurately and I did not receive any correspondence from creditor to validate the accounts. The accounts were not updated to reflect that they were disputed and therefore, another letter was sent requesting an investigation. 2nd letter was sent out on that day. After reviewing credit report again on XX/XX/XXXX there have still been no updates and the accounts were still reflecting on the report inaccurately. I continued to send out letters monthly to try to correct your reporting errors and the only update provided is " Account previously in dispute- now resolved by data furnisher ''. My concerns are not being addressed after multiple attempts to have my profile corrected and the accounts continues to negatively affect me. Please remove the following accounts from reporting to the bureau until adequate validation has been received proving that all information is 100 % correct. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in my account to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Money transfer, virtual currency, or money service

My account is froze and they will not get back to me to resolve. This happened XX/XX/XXXX th and someone gained access to my email and i had to freeze my account. I got it back open and it happened again on XX/XX/XXXX, this time i was able to freeze account and someone sold XXXX without me knowing. Ive tried to get them to unfreeze my account but they have not responded all week. These are my claim reports Subject : We have received your request! - how long will it be frozen, Ticket ID : XXXX We have received your inquiry and one of our support agents will respond to your request as soon as possible. 


In the meantime, our help center is a great resource to find the answers to most questions about Gemini! https : //support.gemini.com/. If you were able to find a solution to your issue we would greatly appreciate it if you let us know by responding to this email. 


Gemini Support will never call you directly. Please be vigilant in safeguarding all of your crypto accounts and be aware of scams. Click here to learn more about increasing your Gemini account security. 


Onward & Upward! 

Gemini Customer Support XXXX ( Gemini ) XX/XX/XXXX, XXXX PM XXXX Hi XXXX, Thank you for reaching out. 

I have taken a look at your account and it looks like the account was frozen on the users side today, on XX/XX/XXXX. We are reviewing your account activity with our Security team and will be in touch shortly. 

I would be happy to assist you with unfreezing your account. In order to do so, we kindly ask that you submit a photo that contains the following : 1. A view of your full face 2. Your ID that was used to register with Gemini. This was either a passport or driver 's license 3. A hand-written note that states the current date and says " [ XXXX ] '' underneath Once you've taken a selfie that contains all of the above, please upload it via our secure Gemini XXXX : https : XXXX Please keep in mind that this must be one photo that contains all of the above, not 3 separate photos and reply to this thread once this is complete as I will escalate your case for expedited service. 

Additionally, it would be helpful if you could respond to this email as soon as possible and provide the following : - Why have you frozen your account? 
- What is your phone number? 
- What are the circumstances of which your account has been compromised ( or potentially compromised )? 
- Any additional information you can provide that will help us resolve your issue. 

Please do not hesitate to send us any additional and relevant information, and as always, reach out if you have further questions for us. 

Onward and Upward, XXXX i submitted photo and nothing, ive changed my password 3 times and they still keep it locked.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the following have violated my rights. 
1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX 2. XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, NY. XXXX 3. XXXX # XXXX XXXX XXXX XXXX XXXX XXXX, TX. XXXX 4. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX 5. XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX XXXX  XXXX SD XXXX 15 U.S.C. 1681 section 602A. States I have the rights to privacy.

15 U.S.C. 1681 section 604A. section 2 : It states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

This letter serves as a formal demand for the immediate removal of these inaccurate and unverified accounts from my credit report : XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX Despite multiple dispute attempts, you continue to report this account without providing proof of verification. Under the Fair Credit Reporting Act ( FCRA ) 602, you are required to ensure fairness, accuracy, and respect for consumer rights.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have discovered fraudulent and inaccurate information on my credit report, also I have an identity theft report with the FTC.gov department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX account being reported to my Experian credit file Ive contacted XXXX and Experian for months now Im still have not resolved my the problem. Ive provided to them supporting documents including a police report and the identity theft affidavit from the FTC showing proof Ive been a victim of Identity theft and that this account does not belong to me and they have refused to remove this account. I have contacted them via phone, email, mail and reported this fraudulently opened account and they just keep giving me different excuses each time of why they do not remove it! I do not know what else to do.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate reporting of certain accounts on my credit report. These accounts were placed in a hardship forbearance agreement with the companies below, and it was explicitly stated by the institution that no negative information would be reported during the agreed period due to my financial hardship. However, my recent credit report reflects negative remarks associated with these accounts, which is both inaccurate and unjust. 
The Fair Credit Reporting Act ( FCRA ) requires credit reporting agencies to ensure that all information reported is accurate and verifiable. I am providing you this notice to review and investigate these accounts, as they are being reported contrary to the terms agreed upon with the creditor. Specifically, they assured me in writing that during the forbearance period, no delinquent payments, late remarks, or derogatory statuses would be reported. 
It is crucial to note that continued inaccurate reporting constitutes a violation of the FCRA, and failure to address this issue will leave me no choice but to seek all legal remedies available under Sections 616 and 617 of the Act. Additionally, as required by Section 611 ( a ) ( 5 ) ( A ), all unverifiable or inaccurate information must be promptly corrected or removed from my credit report. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Prepaid card

I received an American Express prepaid gift card from my employer in the amount of {$300.00}. The card number is XXXX XXXX XXXX. When I attempted to make purchases with the card, it was declined repeatedly. 

I spoke with AE customer service on XX/XX/2023 and they told me the transactions were blocked for unknown reasons and I would be unable to use the card at those retailers. When I asked what retailers are authorized for use with this card, they did not have an answer, despite the fact that their website states You can use your American Express eGift Card with any United States-based online, phone, or mail-order merchants wherever American Express Cards are accepted . This statement can be found at https : //www.amexgiftcard.com/frequently-asked-questions Customer service was unable to give me any information other than to try using the card at other retailers until I had success. They also informed me that the balance of the card had been decreased to {$290.00}, again for unknown reasons. 

This system seems designed to skim a few dollars from American consumers. They are holding my legal tender XXXX and there is apparently nothing customer service can do about it. All I want is the total balance of my card paid in check.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Consumer Loan

Hello my name is XXXX XXXX I recently filed a complaint against Ally Financial ( please refer to complaint number XXXX.Their response to my complaint was updating the credit agency as paid in full to my account with them.They also advised me to contact the credit agency to assure account has been updated.I did contact the credit agency only to find out that Ally Financial did nothing they promised in the response to my complaint you all sent to them.XXXX did a reinvestigation on the matter and sent me a response saying when they contacted Ally Financial for an update and they advised them that the account is not paid as well as delinquent..The response to complaint number XXXX was decieving and they did not do what they promised.also they are reporting the account as {$2900.00} pass due when I was never late on any payment with them.Furthermore I should not have to contact the credit agency anymore to close the account as paid if Ally Financial furnished them with the correct info
Product: Debt collection

I.C.SYSTEMS : XXXXXX TO WHOM IT MAY CONCERN : I am filing this complaint due to an account that was settled in full and was supposed to be deleted and remove from my credit report for the account being settled in full.The above account was paid yet the account still remains on my credit report. This is a request for a good-faith adjustment to my credit report! my name is XXXX XXXX DOB XX/XX/XXXX. I would like to buy a home but this PAID COLLECTIONS IS STILL HOLDONG ME UP!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a car in XX/XX/XXXX And I got turned down from Ally bank. They said my XXXX credit score was a XXXX. But they listed a company I have never heard off called XXXX XXXX. They are stating my credit score is a XXXX. My question is who is this company I have never heard of them and why would my score be 141 points lower with them than the big 3 banks use. This credit company maybe me get turned down for a loan that I should have easily been approved for.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 Equifax dropped my credit score in one day XXXX points and i complained and the gentleman on the phone with equifax said it was a coding problem. .. XXXX would like to know why and how my score dropped XXXX points in one day and once I complained it went back up the next day or so. This has severely impacted my credit score for years and I feel I have been damaged due to the fault of Equifax and what favorable resolutions are in place for my damages?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to Experian and XXXX to do research into this invalid collection and provided documentation, no real investigation has been done. I continue to receive an update that says the collection is valid as per the collection agency but with no evidence that I owe this {$170.00} dollars. 
XXXX XXXX collection agency refuses to cease collection activity on a debt not owed to them. The original creditor in which they have stated I owe have been in communication with me via email and I have submitted letter and documentation that I no longer owe any amounts and my account was paid in full. The original creditor XXXX provided correspondence through its presidents office and stated on email I owe XXXX no more money and did mention there was a collection fee of {$170.00} left on my account that would be deleted as they did not use the collection agency, I paid the creditor directly. With this email the collection agency along with the credit reporting agency continue to report this account in which the debt is invalid. I have disputed the validity of this entire debt as I have no business with this collection agency I owe them no money and am not liable for a collection fee in which they collected no money.
Product: Credit reporting or other personal consumer reports

Experian keeps reporting that a alledge debt keeps coming back verified which is incorrect. the reporting on the account is inaccurate the balance on the account is {$0.00} and the debt has been written off into a 1099 which Experian has not supplied me with yet as I keep sending in letters to accurately have this account removed from my credit report which is causing major damage and is stopping me to buy a home for me and my kids. 

So now I am demanding the following copies of the legal notices and proof of the commercially manned of the subject vehicle Account XXXX XXXX XXXX XXXX XXXX 1. The complete original alleged promissory not that shows my signature 2. The account transaction history 3. Any required default or acceleration notices 4. The notice of sale document 5. The calculation pf Surplus Or Deficiency letter 6 Any additional finance contracts including those related to insurance or finance products 7. Buyer 's guide 8. The purchase order 9. Any license, bond or registration document required by the state that allows you to hold or service this alleged promissory note.

10. Provide 1099 from irs
Product: Debt collection

A credit card was open under my identity. The company told me to go file an identity report I did that and they still reported me.
Product: Credit card or prepaid card

On XX/XX/2022, I spoke to a customer service representative for the Upgrade card. I complained of an issue, on my credit reports which show a maxed out credit card, at the purchase limit of {$9200.00} dollars. This amount is incorrect since my overall credit limit is {$24000.00} and should also have been reported to the credit bureaus ( XXXX, XXXX, XXXX ). Upgrade card deliberately does not report your balance and overall credit limit. They report only your active balance which shows your credit utilization rate at 100 % percent usage which is wrong and caused a XXXX point decrease in my personal credit score although I made all payments timely and never missed a payment. The customer service representative I spoke to promised to rectify this incorrect credit bureau reporting situation within 24 hours but failed to contact me again and never corrected the reporting error. This credit reporting error has had adverse life impact on my ability to get credit, goods, and services due to an inaccurate and non-inclusive, unfriendly, and punitive Upgrade card credit reporting model.