23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

I filed bankruptcy XX/XX/XXXX with discharge. XXXX XXXXAlly bank wrote in CFPB complaint XXXXXXXXWhat appears to be a violation of the bankruptcy stayCar was reaffirmed VIN XXXXIt appears Ally bank took car without permission during bankruptcy stayThis is my first knowledge of any action XXXX XXXXTo my knowledge all action stopsAppears I was taken advantage of with a clear disregard to the bankruptcy stayNo proof of claim or relief was applied for by GMAC/Ally BankGMAC/Ally did not appear at creditors meetingGMAC/Ally provided 100 % percent interest to me
Product: Credit reporting, credit repair services, or other personal consumer reports

*Attached is my state id and Social Security card The Listed accounts were placed onto my consumer report without my written consent please help me to get this solved. 

XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US DEPT ED XXXX XXXX  US DEP ED # XXXX *Please see attached documentation
Product: Credit card or prepaid card

Capital One Bank ( USA ), N.A. ; Capital One, N.A. ; Capital One Financial Corporation ; Capital One Services, LLC ; addresses XXXXXXXX XXXX XXXX  XXXX, XXXX, VA XXXX and XXXX XXXX XXXX illegally pulling my XXXX, XXXX and XXXX credit reports as credit inquiries. At this time I do not have any credit card or loan accounts with Capital One Bank ( USA ), N.A. and this bank is not authorized to pull my credit reports without my consent. Which is a violation of FCRA Act. It appears Capital One Bank illegally pulled my XXXX, XXXX and XXXX Credit reports on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

As of XX/XX/XXXX, the balances on accounts ending in XXXX and XXXX were waived, removed and deleted from all three major credit Bureaus XXXX, XXXX and XXXX. Therefore there is no debt that gives Capital Once Bank N.A. rights or authoirization to pull my credit informatioin without my consent. 

Full disclosure, I do have a Capital One Auto Finance account number XXXX. Their address is XXXX XXXX XXXX XXXX, TX XXXX. Per my credit report Capital One Auto Finance pulled my credit report on XX/XX/XXXX. Which Capital One Auto Finance is a separate entity and subsidiary on the parent companies.
Product: Debt collection

received collection from Portfolio recovery XXXX XXXX XXXX, XXXX. I sent standard validation letter certified U.S. Mail # XXXX XXXX/XXXX/15 asking for the min. requirements according to the FCRA and FDCPA. 1. proof of debt with original signature saying i agreed to any such debt ( pretty basic ) 2. proof amount of debt is correct and legal requiring all credits and debits from original creditor. 3. proof they own the debt which will require the entire contract and terms between them and the original creditor. not just a bill of sale. 4 proof they are legally licensed, insured and bonded with business license numbers. I asked for this to be done according to the law within 30 days or please drop the collection and remove all derogatory markers from my credit report. Their response was an account statement with none of the burdens of the law being met. I received nothing that i had requested in accordance to my rights under the law. I also asked in my verification letter that there be no contact by phone according to my rights under the law of which they violated by calling me at my place of employment. When contacted by phone before speaking we both had agreed that the conversation would be recorded by both parties of which i have the recording. As of XXXX XXXX 2015 they still have not met the requirements of the validation letter and still are reporting this un validated debt to the credit agencies so I reached out to them and spoke with a gentleman named XXXX of which he gave me their fax number. I then faxed a XXXX page cover and a XXXX page validation letter ( the same validation letter i sent on XXXX/XXXX/15 ) again of which I have confirmation with still no response as of XXXX/XXXX/15. Today XXXX/XXXX/15 I called portfolio recovery and was on the phone with XXXX XXXX employee # XXXX for more than XXXX minutes he was a supervisor. I once again went over the letter i had send XXXX. I asked him if he could please meet the requirements of the law and the simple things I was asking for? His response was no and there was nothing he could do about removing the trade marker from my credit reports. Kind of disturbing his answer was to me about an account he could not legally verify. I know for a fact this is nonsense. This company 's actions and process 's are in total arrogance and violation to the law. There actions are a form of credit ransom where they believe they are the kidnappers and they play a game of pay and we will set you free. I am only asking that they be held to the letter of the law according to the FCRA and the FDCPA. If they can not meet the requirements then drop it and remove the marker and we both go on with our lives. I am currently contemplating pursuing legal actions against them if we can not come to some sort of compliance.
Product: Credit reporting, credit repair services, or other personal consumer reports

After requesting a permanent file freeze and suppression, " LexisNexis Risk Data Mgt , Inc. '' shared without my consent sold my credit report to 3rd parties. From understanding the continuing " SELL '' of my information/credentials that was collected without my consent to all 3 major credit bureaus is a violation of my consumer rights. For reference, my credit reports from XXXX XXXX XXXX all confirm that the information was furnished by a third party known as " LexisNexis. '' For several days and weeks, LexisNexis continue to ignore my calls and correspondence to address this issue that is negatively affecting my credit score. LexisNexis continue to furnish information publicly that IS NOT furnished by the courts to the credit bureaus. LexisNexis refuses to honor their letter confirming a freeze and suppression is active. Moreover, LexisNexis will not freeze nor suppress my files with accurate confirmation.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified account listed below continues to report on my credit report, in violation of federal law. The account must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If Experian does not authenticate the account, I will take legal action against them. Please abide by the law in order for this matter to be resolved promptly. 


XXXX XXXX XXXX Balance : {$0.00}
Product: Money transfer, virtual currency, or money service

XX/XX/18 I made a transfer to XXXX XXXX for {$600.00}, address ; XXXX XXXX XXXX XXXX AL XXXX. XXXX # XXXX at Wells Fargo Bank. It was online banking, then I called XXXX XXXX XXXX to let them know about the wire transfer, the employee told the wire will be rejected since I didnt have the wire code for Wells Fargo and I was suggested to redo it, which I did. I couple days later, I checked my account I saw the was sent twice. I riched out to XXXX XXXX XXXXXXXX to find why this was happened. They recalled the second transfer and Wells Fargo said the receiver refused to send the money back because he said he received the money twice Wells Fargo made him pay {$3.00} because of the recall
Product: Credit reporting or other personal consumer reports

I have been requesting this information since XXXX of XXXX. I filed disputes and mailed letters to XXXX, XXXX and Experian. Also with each collection agency I have also requested all names address and work history to be removed
Product: Debt collection

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, New York XXXX P ( XXXX ) XXXX XXXX D ( XXXX ) XXXX F ( XXXX ) XXXX www.zachterlaw.com This law Firm is representing the high interest loan company XXXX XXXX XXXX XXXX NY, I took a business Loan 5 years ago while I had a small business before It collapses 3 Years ago and i wasn't able to continue the Loan payments because i wasn.t able to afford without working. 
After years hard working and study while I am now start working and getting a paycheck and rebuilding my life this law firm put hold my personal bank account and denied me to access my paycheck and they are trying to kill my XXXX, Hence I am begging your to get your immediate assistance to help me to enforce this firm to release the hold on my account and I can feed my family, I haven't denied As I took that business loan years ago and they could have approach me to discuss the payment arrangements since I am working now instead of doing this illegal action By holding Paycheck and putting the XXXX  life in danger, This is UNITED STATES OF AMERICA, I don't think if there any law supported that someone can hold 100 % people 's paycheck and send them out to the street. 
I am expecting your full support on this Matter! 

Best Regards, XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Accounts Violating My Rights Dear [ Credit Bureau Name ], I hope this letter finds you well. I am writing to bring to your attention certain accounts on my credit report that have been reported inaccurately and have violated my rights as outlined by Cornell Law. 

As per my rights under the Fair Credit Reporting Act ( FCRA ) and other relevant legislation, I kindly request the immediate deletion of the following accounts from my credit report : Account # XXXX Account # XXXX, account # XXXX Account # XXXX, account # XXXX, account # XXXX account # XXXX account # XXXX These accounts have been reported in violation of my rights under Cornell Law, specifically has violated my rights. 
15 U.S.C 1681 section 602 A. States | 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. The inaccurate reporting and violation of my rights have caused significant harm to my creditworthiness and financial well-being.

I have taken the necessary steps to address these issues directly with the respective creditors, but the inaccurate information continues to negatively impact my creditworthiness. Therefore, I kindly request your immediate intervention in removing these accounts from my credit report.

Enclosed with this letter, please find copies of supporting documentation highlighting the inaccuracies and violations for your review and reference. I trust that you will conduct a thorough investigation into these matters and take appropriate action.

In accordance with FCRA guidelines, I request written confirmation of the deletion of these accounts from my credit report within 10-17 business days. Additionally, I request that you provide me with an updated copy of my credit report once the necessary corrections have been made. 

I appreciate your prompt attention to this matter and your cooperation in rectifying the inaccuracies on my credit report. 

Thank you for your immediate attention to this matter. 

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

I am a victim oXXXX XXXX XXXX XXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed after I supply proof of who I am as well as a XXXX  determination letter according to XXXX ( b ) ( XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have a Right to Privacy and to know what's being reported to the CONSUMER REPORTING Agency. 15 U.S.C. 1681a. It states a CONSUMER reporting agency can not furnish an account without my written instructions. I have not given any written consent to put anything on my CONSUMER report the law also states that the information got to be 100 percent accurate. XXXX XXXX # XXXX, are violating my rights I have asked them to stop showing my transaction history and my payment history a credit report is a CONSUMER REPORT and base on the law 15 U.S. Code 1681a ( 2 ) ( i ) a CONSUMER REPORT DO NOT INCLUED transaction history which is credit utilization and experiences which is payment history between the consumer and the creditor. By reporting this information you have made this account and my CONSUMER REPORT INACCURATE because you know this already your in violation of 15 U.S. Code 1611 ( 1 ) you are giving ON PURPOSE FALSE and INACCURATE information. The reporting of such inaccurate information has caused severe damages to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. YOU ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. YOU ARE HEREBY PUT ON NOTICE that you are furnishing inaccurate information. After this letter if you do not remove my transaction history and payment history like I have ask and written today you will be receiving a subpoena to court for all the violations and damages you have caused by not following the law 15 U.S.C 1681 ( s ) ( 2 ) ( a ) Duty of furnishers of information to provide accurate information ( 1 ) Prohibition ( 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.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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. XXXX XXXX - XXXX XXXX This inquiry should not be on my report. I did not apply for any credit with XXXX XXXX. XXXX- This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry. XXXX XXXX - This inquiry appears on my report twice. XX/XX/XXXX and XX/XX/XXXX. There should only be one inquiry, which is XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX XXXX Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XX/XX/XXXX XXXX we obtained sometime in XX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5  years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.
Product: Money transfer, virtual currency, or money service

I have a personal account with JPMorgan Chase Bank in XXXX, California. 
On XX/XX/2023 I did a Global Transfer to XXXX, XXXX XXXX, using a Chase Bank in New York as an intermediary. I called several times Chase because the money did not reached the destination. Every single time that I called the The bank reps kept transferring me to to a different rep because NOBODY knows or have an answer. On XX/XX/2023 I decided to cancel the transaction and requested to have my money back. Again I have to talk to at least seven people and every time I had to explain the same with no answer. On XX/XX/2023 the last person that I spoke with said that I have to submit my request of cancelling the transaction using a " secure messages '' login in to my Chase account. The responses of he system are " We received your request and we will have an answer in 24 hours. I check the messages every day there is no answer from the bank. 

These are the answers from the BANK : XXXX XXXX We received the message you sent us on XX/XX/2023. 

Here 's what will happen next : - We'll respond to your message within one business day. 

- To protect your account, we'll reply in the Secure Message Center. You'll need to sign in to chase.com or the Chase Mobile ( R ) app ( 1 ) to view our response. We'll email you to let you know the message is available. 

We're here to help. If you have questions, call us at the number on the back of your card. We accept operator relay calls. 

Thank you for choosing Chase. 

( 1 ) Chase Mobile app is available for select mobile devices. Message and data rates may apply. 

The account is under XXXX Acct # XXXX Transaction date : XXXX XXXX Amount : {$21000.00} US Dollars Personal Account Outgoing Wire Issue : Transfer was made XXXX, XXXX, 2023. Money did not get to the final destination. I cancelled the transaction. I called Chase several times and there was zero answer regarding MY MONEY. I need my money back ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian reporting agency is nit keeping up with my current status. 
The other two are almost 80 points higher. 
When i call them the give me the run around about fico the same fico the other two agency use what is going on? 
They also said i filled a dispute with XXXX  XXXX  on the XXXX  today and i did not? 
They are very confusing to talk to. 
Please help explain why there is such a difference between the other two agency and Experian?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Repprting act.

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 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: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an ID theft report. Please find the ATTACHED documents to assist in blocking the erroneous information that is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. I kindly request

that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information req uested from the list of acceptable items which only 2 are required per the Law. I have provided all of my documentation as well as victim determination letter according to 100.142 ( b ) ( 6 ) The information listed below, which appears on my credit report, is the result of that XXXX. 1. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXXXXXX of inquiry : XX/XX/XXXX XXXX. 
XXXX Date of inquiry : XX/XX/XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX Account XXXX : XXXX XXXX. 
XXXX XXXX Account Number : XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Please send me notification of the actions taken. I appreciate your prompt attention to this matter. Please send me notification of the actions taken. I greatly appreciate your prompt expedited action to this matter.
Product: Student loan

Some time ago Navient has stopped processing my payments. I have not received any communications to this except now a few years later I have 19 late payment notices on my account. I only learned of this since i have applied for a mortgage as I have been relocated for work. I had previously agreed to a reduced interest rate repayment plan. This was supposed to be automatic and to my understanding was setup to reoccur every month. This is greatly affecting my XXXX XXXX and my ability to secure a new house with my job transfer. This is also time sensitive the house i am selling closes in 3 weeks and will be left with no option but to attempt to rent for my family.