23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This strange collection on my credit report I have no relationship with the debt collector and dont owe them a debt. 

They need to prove to me that they are the owner of this alleged debt with a contract or some purchase contract who they are saying they got this alleged debt from. 

If they have bought from another debt collector I want to see the chain of assignments going all the way back to this original creditor. 

If they can not provide any of this, then this is identity theft and defamation of character. 

They are also reporting inaccurate to the credit reporting agencies that do not add up. 

LVNV FUNDING LLC Account Number XXXX The date of the last activity does not match. XXXX is reporting the date of the last activity as XXXX/XXXX/XXXX while XXXX is reporting XX/XX/XXXX and XXXX is reporting XX/XX/XXXX. Having the wrong date of the last activity makes this account inaccurate because it does not clearly tell you when the account is supposed to fall off. 

They are breaking the law by reporting inaccurate information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt as a factoring company and Ive disputed this debt but have not gotten anything proving I owe this debt thru the bureaus or the company. Ive been contacted by another company a while back saying they owned the debt. Cant get anyone to remove it. Now XXXX is saying they opened and account for me on XX/XX/20 on the credit report.
Product: Credit reporting or other personal consumer reports

Under FCRA 605B, we're obligated to eradicate any inaccurate accounts from my credit report. Would you mind examining the documents? Some of the listed accounts are not correct, and it's causing me unease.
Product: Bank account or service

I paid a contractor {$550.00} with check # XXXX and he cashed this check on XXXX XXXX, XXXX. This person then redeposited the check on XXXX XXXX, XXXX, by changing the date to XX/XX/XXXX and Wells Fargo accepted it. I reported this theft on Monday, XXXX XXXX, XXXX and not a single person at Wells Fargo has been able to recover this money for me. 
I need someone to please help me with recovering this money stolen from me.
Product: Credit reporting or other personal consumer reports

I am writing to dispute late payments listed on my credit report that is reported in XX/XX/. Under the provision of 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act, I am formally requesting validation of the debt associated with these late payments attached in document. 
I believe that these late payments have been reported in error, and I request a thorough investigation and verification of the debt. If the debt can not be verified, I demand that the associated late payments be removed from my credit report immediately I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14,1995 ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Checking or savings account

XXXX XXXX I filed a dispute with chime for fraud but they denied me but I can prove it wasnt me at that atm
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : 15 USC 1681 Section 602 A, states I have a right to privacy.

15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX XXXX5 USC 1681 Section 604 ( A ) ( 5 ) 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 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX XXXX, XXXX has all violated my rights as a consumer costing millions dollars with inaccurate information trying to fix these items fts and police report has been sent but no action its time to make they pay and hold them accountable please advise the best action should I get a lawyer or should I try to resolve this for the 4 month in a row this will be my last attempt file with the XXXX and XXXX police dept which all companies involve have the report numbeers
Product: Credit reporting or other personal consumer reports

I kindly request the deletion of this account from my credit record, as it does not pertain to me. Please conduct an investigation to address any other potential issues.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the below companies have violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Money transfer, virtual currency, or money service

Venmo suspended my account for no reason. I just opeed the account my brother sent me XXXX XXXX. The let him send the money the suspended the account and now I have to wait for a account specialist to unlock the account. It's been 5 days no one at Venmo has anything they can do. Monday XX/XX/XXXX was the day the suspended the account. I called everyday this week and the give me a million excuses
Product: Credit reporting, credit repair services, or other personal consumer reports

I wrote a letter to each credit bureau back in XX/XX/ about negative items on my credit report and got no response. Im demanding these accounts to be deleted immediately. According to 611 ( 5 ) ( A ) of the FRCA
Product: Prepaid card

Government benefit card was received and was used only twice for groceries and gas, third time the card tried being used it was declined and I called the company Money Network and was told the card was locked due to suspicion of someone else trying to use card funds. Money Network proceeded to tell me they no longer will send a card only check and this was on XX/XX/XXXX and they told me to wait XXXX business days, once those days passed I called again due to check not being received, they said they will cancel that check and resend and to wait XXXX business days once more. It is now XXXX and will be XXXX soon and I have yet to receive this check and they do not offer any more service or help.
Product: Debt collection

XXXX Account solutions has been reporting accounts in the total sum of {$3200.00} for four separate accounts. Two of these accounts were also reported by another agency in the same amounts which was inaccurate. I have previously communicated with this creditor in the past requesting validity of this debt and had not received a response. In order to track communication with this creditor so that I can get the information I have been requesting, I sent them a certified letter asking for validity of this debt. I sent this letter via certified mail on XX/XX/XXXX that was delivered on XX/XX/XXXX and received correspondence via letter from this creditor on XX/XX/XXXX. They did not respond to any of my validation requests and have not provided me sufficient information. This information is inaccurate. I have done my due diligence in trying to rectify this situation and they are not willing to work with me or provide me with the necessary information.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Federal and XXXX XXXXXXXXXXXX Maryland FCRA Laws Dear FREEDOM MTG, I am writing to address a blatant violation regarding the unauthorized reporting of information to my credit report, as confirmed by the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), as well as identity fraud laws applicable in XXXX XXXXXXXX XXXX Maryland. 

It has unequivocally come to my attention that FREEDOM MTG has engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ). 

In addition to federal law, Maryland state law emphasizes the necessity of consumer consent for credit reporting. XXXX XXXX XXXX identity fraud laws underscore the severity of unauthorized access and misuse of personal information, adding another layer of protection against such violations. 

I assert with unwavering certainty that I have not provided consent for FREEDOM MTG to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that FREEDOM MTG immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and applicable Maryland laws. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws. 

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA and Maryland state law. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that FREEDOM MTG will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.
Product: Mortgage

Since I've made previous complaints about Truist and their lack of accessibility, I believed they would do something to make their services accessible. Alas, they have not. Even their " accessibility '' page does not provide an accessible means to contact them. I want to pay off and close my HELOC but can only do that by phone or by visiting a branch. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I can't go to a branch. I have attempted to get Truist to respond via XXXX and XXXX messages. One XXXX message still has not been responded to in over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 USC 1681 Section 602 States I have the right to privacy.

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

15 USC 1666B : A creditor may not treat a payment on a credit card account, under an open end consumer credit plan, as late for purpose.
Product: Credit reporting or other personal consumer reports

I am asking for your help with the false information listed on my credit report. This situation has seriously damaged my reputation, and I need your intervention. The way my credit report was managed has brought me to a challenging place, and my reputation has been hurt because of your reporting errors. You need to correct these mistakes so I can move forward with my family.
Product: Checking or savings account

On XX/XX/year> & XX/XX/year>, I applied for credit at Well Fargo. And I have been denied access to my credit according to Federal Reserve Act. Wells Fargo continue to mention that my approval is based upon other credits accounts, incomes qualification and what's on my consumer credit reports- which is clear discrimination. None of those factors shall not determine my access to credit, according to the Equal Credit Opportunity Act & the Federal Reserve Act. I gave my application along with Tender to obtain access to my credit, yet still denied. Wells Fargo is treating me like a minor, which is violate Equal Credit Opportunity Act, because I have the full capacity to contract with Wells Fargo. Wells Fargo is violate Security Exchange Commission Act, because in their indenture agreement with the SEC, it indicates that I can surrender a note collateral of debt securities in exchange for for payments. Wells Fargo is holding on to my security collateral and not processing it per my request. Which is in violation of the security agreement with Security Exchange Commission. Also, I have remove any Power of Attorney that I may have been given to Wells Fargo directly or indirectly, due to Wells Fargo not upholding their fiduciary duties, so they must honor my request and run my application & tender through the Federal Reserve. In good faith, I gave Wells Fargo value consideration with securities collateral and i am not receiving nothing in exchange is unacceptable Window. Wells Fargo, has NOT provided me with any legitimate or legal reason on how they can loose or take any financial lost with my securities collaterals, by honoring my request to access to my credit. Any security interest is mention in ALL their contracts & agreements. There is NO risk to Wells Fargo.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
XXXX XXXX XXXX XXXX XXXX XXXX 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: Money transfer, virtual currency, or money service

I was using the 'pay anyone ' feature in the chime app, which claims you can send money to anyone even if they don't have a chime account via phone number. So I typed {$2200.00} and my boyfriends phone number and hit send. Well he never received a notification so I looked into the history and chime sent {$2200.00} to some unknown person, not to the phone number I put in. I called right away and they would not cancel the transaction and I would be credited for the {$2200.00}. This was XX/XX/2023, the next day chime denied my dispute and would not be crediting my account. How is it legal for a financial institution to claim your money is safe because it's insured up to {$150000.00} but will not pay for a mistake their app caused?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX account on all three credit bureaus due to me being overseas at time and accounts being opened fraudulently. Current balance shows negatively on my account and when disputed in late XX/XX/2017 the credit bureau and company were sent travel docs showing me being overseas in XXXX at time and not able to apply for the card. This account along with the XXXX and XXXX accounts are Freud.they were all seemed to be open around same time while overseas. This has been q never ending battle with companies and credit bureaus to get removed. I also had identities freud statements on all credit bureaus during this time. No information was verified and when disputed the credit bureau stated it was valid. I am requesting accounts be permanently removed from my accounts immediately.
Product: Checking or savings account

From XXXX to XXXX, I had a checking account at Citizens Bank. Beginning with my monthly statement for the period ending XX/XX/XXXX through my statement ending XXXX XXXX, XXXX, I was charged each month a {$2.00} fee for receiving a paper statement. I called the XXXX number and asked how they could charge a fee for paper statements if it is a federal requirement that the bank provide me with a monthly statement. I was bounced around between XXXX different people : XXXX, XXXX, XXXX, and XXXX. I got nowhere because my account records have been purged. I am glad I did receive paper statements because their record retention policy is awful. A few days after I called customer service, I received a call from XXXX XXXX in the XXXX 's Office. ' She wasn't helpful because all she said was that I had 30 days to report any errors on my statement. This was no error because it was bank policy to charge a fee for receiving paper statements.
Product: Student loan

Applied for SAVE XX/XX/2023. Advised by Student Aid department that application would take XXXX days. Application approved XX/XX/2023. Received mail from MOHELA confirming application had processed successfully and application had entered SAVE repayment. Setup auto debit online - confirmed due date with first payment in XXXX. 
Reviewed website XX/XX/2023 - loans now placed in Forbearance. Call center first told me it was due to natural disaster is state for which I was not affected - XXXX minutes later, phone representative says it is a processing forbearance and they will charge me for the interest. 
Application had already been approved, auto debit had been approved, mail received confirming due date in XXXX in early XXXX. MOHELA  is unable to confirm info due to long wait lines but I did not consent to this forbearance and it is predatory after I had been informed everything was set for my SAVE enrollment.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX {$150.00} XX/XX/XXXX XXXX XXXX XXXX {$730.00} XX/XX/XXXX 15 U.S.C, 1681section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I closed on a loan XX/XX/XXXX with Guaranteed Rate.com. First payment was due XX/XX/XXXX. I mailed the payment on XX/XX/XXXX and it cleared my bank on XX/XX/XXXX. The mortgage was sold effective XX/XX/XXXX to XXXX XXXX. The new servicer, XXXX XXXX claims I was late in XXXX because my payment was never sent. I made another payment on XX/XX/XXXX so I would not be reported as late. So far I made 2 payments and XXXX XXXX is getting a third payment on XX/XX/XXXX. What can I do? Guaranteed Rate is the worst mortgage company I have ever dealt with. They pass you around from one department to the next and then tell me I have to go to the original department, servicing. I already waited over 20 minutes for servicing and they want me to start again.
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. 

Account Name : XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account XXXX has violated my rights. Or a list of inquiries : 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: Vehicle loan or lease

- Unable to register the car due to Auto Lien is not being provided by TRUIST - Car Loan was fully paid on XX/XX/XXXX - As per TRUIST, they have released the Auto Lien to XXXX on XX/XX/XXXX - There is no TRACKING NUMBER or PROOF that it was really mailed. 
- I have called Truist multiple times and they have provided different answers every time - XX/XX/XXXX - First, the agent said 2-3 days- Second, after waiting for three days, called again and the agent said 7 days and they have a backlog- Third, after 7 days, the agent said it was already mailed and I should check my mail box- Fourth, after 3 more days, called again and the agent said that its still in-progress and that we just need to call again in 2 days.

- Fifth, called again after 2 days and they again said that they have already mailed the LIEN on XX/XX/XXXX and that wait again for few days - Sixth, called again and said that we need to call or go to the XXXX and asked them if they have received the copy of the LIEN/TITLE - Seventh, after one day, was able to get in touch with XXXX and they informed us that they have not received anything from Truist Bank about my LIEN - Eight, after one day, went to XXXX personally to verify but they also said that they have not received anything from Truist. So called the agent again to ask for Tracking Number for the mail but they said there is really none and that we just have to wait. 

All I want is the LIEN so that I can register the car because it will be affecting my family day-to-day activities. And since it's fully paid, I believe I have the right to get the title or lien.
Product: Debt collection

Abo ut ten y ears ago, my then husband had unknown to me gotten a credit card with my information. My ex husbands abusive behaviors led to our divorce at the time.   Lo and behold, I get a garnishment summons for an amount t I have no clue of. I have never had a  XXXX   XXXX  charge card.I have been divorced from my ex husband for 13 years now. I tried explaining to these  collectors bu t they wo n't budge. How do I support  XXXX  kids with my pay garnished.? Please help me resolve this issue.