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

On XX/XX/XXXX. I received an alert from TransUnion Credit Bureau regarding a collection item on my credit report. I don't know who XXXX XXXX XXXX XXXX is, and no validation of this debt has been given to me. No original creditor was listed. I was not given a right to dispute letter, nor anything else regarding this debt at all. On XX/XX/XXXX, at XXXX I contact them and asked how they got my information and disputed the validity of the debt and asked them to remove this from my credit report. They are refusing. I should have 30 days to dispute this debt and I was not given any notice to activate my rights. Instead it was placed on my credit report. I've contacted the number listed on the report XXXX. They where unable to validate this account belong to me. I requested proof in writing.. I have also contacted Trans Union, XXXX, and XXXX and disputed it. When I contacted Trans Union at XXXX, I spoke to a Fraud Specialist, XXXX XXXX she informed me that a similar item showed up on my credit report in XX/XX/2015 and was disputed and removed. This is around the time I found out my SS # was used by someone other than me. I asked to speak to a Supervisor with Trans Union. I spoked to Mrs. XXXX, and asked how can an item that was disputed and removed in XX/XX/2015 be placed back on my credit report. Once it is removed, it should be removed. I stated that I disputed it then because it was not mine, and it was removed but you placed it on there again. The Supervisor at Trans Union did not remove the item. My credit score has dropped 75 points due to this and I have no control over it. I am in the process of buying my house and this is affecting me drastically and putting my dream of owning a home in jeopardy.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX {$13000.00} this is not my account I requesting to remove from my credit report. also requesting original signed document showing other wise.
Product: Credit reporting or other personal consumer reports

The following accounts were charged off and paid in full in accordance with the 26 CFR 1.6050P-1 by creditors policys.

A discharge of indebtdedness pursuant to a decision by the creditor or the application of a defined policy of the creditor, to discontinue collection activity and discharge debt. 


Navy Federal Cr Union account # XXXX balance : {$3100.00} opened : XX/XX/XXXX Navy Federal Cr Union account # XXXX balance : {$18000.00} opened : XX/XX/XXXX Navy Federal Cr Union account : XXXX balance : {$11000.00} opened : XX/XX/XXXX Navy Federal Cr Union account : XXXX balance : {$36000.00} opened : XX/XX/XXXX XXXX XXXX XXXX XXXX balance : {$5400.00} opened : XX/XX/XXXX
Product: Debt collection

DMV in Texas does not have my apartment number listed on my registration, despite me showing proof of residence with my lease. Toll bills have not been sent to my mail. Signed up for XXXX and was assured my account was clear as that was they only way they were able to add my license plate to the account. Received a letter in the mail from Penn Credit Collections company with the apartment number listed. I never received ANY toll bill in the mail, therefore, could not pay the original bill.
Product: Credit reporting or other personal consumer reports

Dear CFPB Representative, I am writing to formally submit a complaint regarding inquiries reporting on all XXXX credit reports. Which is, " a violation of my rights under the Fair Credit Reporting Act ( FCRA ) '' ]. The actions of Experian, XXXX and XXXX caused me significant harm and appear to be in direct violation of federal consumer protection laws. 


On XXXX, I discovered several unauthorized inquiries, such as errors on a credit report. 
I contacted Experian, XXXX and XXXX ] on XXXX to resolve this matter but have not received a satisfactory response. 


The action of Experian, XXXX and XXXX appear to violate the following provisions of federal law Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 : [ If applicable, cite specific violations, such as failure to investigate a dispute within 30 days ( 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ), failure to ensure maximum possible accuracy ( 15 U.S.C. 1681e ( b ) ), etc. ].

2. Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 : [ If applicable, cite specific violations, such as harassment, use of false or misleading representations, etc. ]. 3. Other relevant federal or state laws, if applicable. 

Attempts to Resolve : I have made reasonable efforts to resolve this issue directly with Experian, XXXX and XXXX. 



: I respectfully request that the CFPB take action to investigate this matter and ensure compliance with applicable consumer protection laws.
Product: Credit card or prepaid card

Bank of America has discriminated against me through multiple applications. I received no benefit from any of the credit application I submitted to Bank of America. I am demanding that Bank of American give me my application due to me not receiving the credit for my personal, family and household use. Bank of America has a duty to keep my application on file for no less than one year. Bank of American has discouraged me from ever applying for credit due to Bank of American not making credit accessible to me and my family. This has caused us severe harm and injuries due to Bank of America refusing to offer any type of accommodations or a legal reason as to why they will not offer me products or services. Bank of America is the only bank close enough for me and my family use and yet I am unable to use their services or products due to Bank of America discriminating against me. As a single mother of three, Bank of America furnishing inquiries on my consumer report but not approving me for the requested product has caused XXXX XXXX and unrecoverable Finacial harm and distress. Bank of America pattern of scamming and harming consumer is duly noted by the CFPB and I am still being victimized by Bank of America. 
I have exhausted all efforts of trying to resolve this matter privately with Bank of America and will be forced to pursue other legal venues if Bank of America continues its deceptive, unfair, and prohibited actions against me ( the consumer )
Product: Debt collection

On XX/XX/XXXX  XXXX XXXX XXXX of LIPPMAN RECUPERO , LLC, XXXX  Entity ID : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of approved actions by himself and/or his employees, contacted me using US mail XXXX The solicitation was missing the required disclaimer per the Domestic Mail Manuel codified in 39 USC 3001 & 3005. The solicitation came without my prior direct consent nor authorized by court order ; further violating the FDCPA [ 15 usc 1692c ]. The solicitation made claims that I owed them an alleged debt ; violation of FDCPA [ 15 USC 1692b ]. These are means of unfair practices to attempt to collect an alleged debt as we have no valid contract/agreement. My privacy rights have been violated. The creation of an account in my name without my prior approval nor consent constitutes identity theft and XXXX XXXX evidence of conspiring to violate the XXXX XXXX XXXX. This type of action attempted to create false belief in me that I am indebted to LIPPMAN RECUPERO , LLC ; its also addressed in Presidential Executive Order 13903 human Trafficking. Pursuant to www.state.gov website, U.S. & International Law describe this compelled service using a number of different terms, including INVOLUNTARY SERVITUDE, DEBT BONDAGE, or FORCED labor. Human Trafficking can include, BUT DOES NOT REQUIRE, movement. Traffickers profit at the expense of their victims by compelling them to perform labor. XXXX XXXX XXXX on behalf of LIPPMAN RECUPERO , LLC has acted in Bad Faith with Unclean Hands in hopes of unjust enrichment by my demise. On XX/XX/XXXX  my wife spoke with XXXX, which he confirmed that XXXX, XXXX has my Full XXXX & XXXX. 
He asked if we wanted to make payment arrangements, she told him no. She asked him to place a Cease & Desist on my account as well, he replied by stating He has placed a DO NOT CALL on the file. I filed an FTC complaint addressing the identify theft being committed by XXXX XXXX XXXX firm creating an account in their books without my consent nor by way of a valid agreement between us as well as addressing them having my information ; being my FULL social security number, Date of Birth, Address and if LIPPMAN RECUPERO , LLC has my bank statements, my shopping habits, location of where I shop, etc; which is ALL nonpublic personal information according to the XXXX XXXX XXXX. LIPPMAN RECUPERO , LLC knowingly participated and conspired to fraudulently collect on my extension of credit ; this is a violation under Title 18 894.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX, XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX, XXXX XX/XX/XXXX
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Consumer ID : XXXX It has been brought to my attention that inaccurate and unverifiable information has been listed on my ChexSystems file To my knowledge, I have never had these items and am therefore writing to request full validation of this debt as is my right under the FCRA. 

Please provide the following Agreement with that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number on file. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are implemented. 
Please provide the name and address of the bonding agent for your collection agency in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of ALL requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back. 

In the absence of such documentation, I request that these accounts be permanently removed from my ChexSystems report. 

The accounts are listed below : incorrect information and violation of XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, FL XXXX XXXX/ACCT # : XXXX / XXXXXXXX XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Money transfer, virtual currency, or money service

On XXXX, I tried to send my sister {$100.00} through Skrill, and Skrill immediately locked my account without explanation. It's been 14 days since my account was locked, and I still haven't received ANY explanation as to why they're holding on to my money. I've emailed and called numerous times, and each time, the agent says it's just routine procedure, and Skrill will unlock my account whenever they get around to reviewing it. That is neither a satisfactory nor professional explanation for why they're holding my money hostage for weeks. 

For context, I opened this account back in XXXX and had already deposited a few XXXX dollars with no issue. However, this was the FIRST time I ever tried to access my money ( via sending money to my sister ), and Skrill immediately locks my account for weeks. Skrill seems glad to take my money, but when I try to use that money, Skrill seemingly refuses to give it back.
Product: Debt collection

XX/XX/2022 {$11000.00} I formally asked the company to validate all tradeline listing they have submitted to all three credit bureaus, by LVNV FUNDING. 
Due to possible inaccuracies in these credit reports, I demand validation in the form of a verified statement by a person with original knowledge of the debt, who can testify that the debt was incurred legally, was not subsequently disputed as a result of returned, faulty, or recalled consumer products, was not utilized as a profit-loss tax deduction during the period it may have been payable, and was not claimed as a loss with any insuring entity during the period it may have been payable. Please be advised I am requesting competent evidence that I had some contractual obligation in relation to the tradeline.
Product: Debt collection

I sent an credit card dispute/inquiry to the following : US Bank XXXX XXXX XXXX XXXX ND XXXX Attn : Executive Office Consumer Complaints The purpose of this memorandum is to notify US Bank that I seek a full detail since inception of all transactions for the account number XXXX Over the past several years dating back to XXXX, I have been in numerous conversations and interactions with US Bank, via phone, bank visit ; all requesting backup for questioned charges. 

US Bank has failed to provide any supporting documentation. I mentioned at that time that I was giving US Bank at least two weeks to provide verifiable proof that charges occurred on my credit card and if not that I would begin the credit dispute process via Consumer Financial Protection Board. As of XX/XX/XXXX, no proof has been provided. 

Based on the information contained and the Fair Credit Reporting regulations ( laws ), I request that all derogatory information pertaining to US Bank ; get eliminated from my account.
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 Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or 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: Credit reporting or other personal consumer reports

I am formally disputing and requesting the update of incorrect data from my credit report concerning late payments. It's crucial that these accounts are corrected to reflect the payments accurately and any erroneous information is rectified promptly.

The late payments in question pertain to the following accounts : XXXX XXXX XXXX XXXX XXXX and XXXX XXXX 

In instances where delinquency is reported, I insist that the payment date be appropriately reflected to cover the delinquent period. Any reported late payment was rectified by making a payment within a reasonable timeframe. Therefore, I expect the credit report to accurately represent the payments made, without any indication of missed or late payments.

Moreover, there is no remaining balance on these accounts that would suggest a missed payment. I have diligently met my financial obligations, and it is essential that my credit report reflects this accurately. The inaccurate reporting of late payments is not only misleading but also damaging to my creditworthiness.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 


XXXX XXXX, CREDIT COLLECTION SERVICE These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 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

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXXXXXX XXXX XXXX XXXX XXXX, TX XXXX ; US DEPT ED  XXXX Balance Owed : {$28000.00} ; US DEPT ED XXXX Balance Owed : {$39000.00} ; XXXXXXXX XXXX XXXX XXXX Balance Owed : {$490.00} XXXX XXXX XXXX Balance Owed : {$100.00}
Product: Checking or savings account

I do not find it fair to buy something and not receive it! I contacted XXXX XXXX  ( Chime ) about needing to dispute a transaction that was over {$100.00} because I didn't receive the goods I purchased. Since I purchased through XXXX, they're the ones that let me know my package was supposedly delivered and they sent me a notification at XXXX in the morning. I can't remember the exact time now but you would think they would of checked with XXXX  to see when that notification was sent because who delivers at XXXX!? and I also live in apartments so my packages go to the office and they never received it! Horrible customer service. I'm absolutely not happy about this. wasted money and time, love that!
Product: Credit reporting, credit repair services, or other personal consumer reports

On several attempts I have notified Experian that XXXX XXXX XXXX XXXX, XXXX is inaccurate and unverifiable. I have included supporting documents from XXXX XXXX Federal Courts, XXXX XXXX, and XXXX. However, Experian is violating FCRA 15 U.S. Code 1681i ( 5 ). In addition, I have submitted several letter to let Experian know that the address : ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX CA XXXX ) belongs to my mother XXXX XXXX. They continue to report this address and an abreviation of the address that in inaccurate. This is a complete intentional violation of my consumer rights under. 
15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generalIf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

This is a willful violation because several attempts has been made to correct these errors but experian has totally ignored my attempts
Product: Credit reporting, credit repair services, or other personal consumer reports

My problem is with Equifax. In XX/XX/XXXX, I applied for autoloan and I discovered that among the 3 bureaus, Equifax was not able to provide my credit score. This surprised me because I have established credit lines since XX/XX/XXXX. So, I called them and spoke to different agents on more than 5 occasions and I was told that they couldn't locate me in their system at all even after using different personal information. As advised, I faxed and mailed them the documents with my personal information to help solve the issue. I just got a response letter from them saying the same thing, that they could not locate me in their database. Precisely! That was why I contacted them to find out what was happening and find ways to get to the bottom of this. At the same time, I called all my banks and creditors to verify if they have been regularly sending reports to all 3 bureaus which they said they do on a monthly basis to all 3. I reached out to Equifax again and asked if they have other ways to resolve my issue but I was told to do the same thing. It seemed like they have no other process in place for this kind of issue but to keep asking you to send your documents to them. After few months of countless inquiries with them, I tried talking to them again to follow up, but to my frustration, I still got the same closed ended answers. " I could not find you in our system. Send us your documents with your personal information '' I requested them to investigate deeper as there could be some technical glitches or mishandling of data that caused them not to receive reports from my creditors, but nothing happened. I really think there is a problem on Equifax side because how come my husband who has the same credit companies as I do, has credit profile in Equifax??!! I need your help to find resolution to my problem. I have been wanting to buy a house since last year but this is really holding me back. I feel helpless of just being told that I am not in their system and not knowing what to do next or where to go for help. After so many times of communicating the same issue, still, they are not exerting any effort to identify the root cause of this. 

I read a blog that your office was able to help him resolve this same issue that I have. I am hoping to get a positive response. 

Thank you! 

My credit companies : XXXX  XXXX XXXX ( credit card ),  XXXX ( credit card ), XXXX XXXX ( Auto Loan ), XXXX XXXX XXXX  ( Auto Loan )
Product: Student loan

Navient misallocated payments, steered struggling borrower toward NOT BEING ABLE TO RECEIVE INcome-driven repayment plans, and HAS provided unclear information on how to receive a forbearance and deferment for the student who receives public assistance and who is unemployed.
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am formally requesting the removal of the fraudulent account and inquiry listed below from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX