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

n accordance with the Fair Credit Reporting act 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 n accordance with the Fair Credit Reporting act Convergent Account # 120156, 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 or other personal consumer reports

On XX/XX/year> at XXXXXXXX XXXX XXXXXXXXXXXX XXXX  attempted to hard pull my personal credit report without my consent. Furthermore, XXXX XXXX  did not disclose that they would attempt to pull my personal credit report in any fine print. 

I attempted to sign up for a commercial/business gas card for XXXX XXXX who has partnered with XXXXXXXX XXXX for issuance. I was required to provide my social security number in addition to my business XXXX however I did not select the option to provide a personal guarantee. 

Links : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

A company called LVNV Funding, LLC, left court documents and some of my supposed personal information taped to a door of an old address I used to reside at.

The reason I know is the landlord from the old placed of resident called me to tell me I had a notice on the door from a collection agency that was found while going over to clean the apt for the next tenant and it had personal identifying information of mine in the documents so she shredded the forms for my identity protection but she did take a picture of the front of the notice for her records.

I have already experienced identity theft and this company is participating in the misused of my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, XXXX XXXX XXXX Acct # XXXX, and XXXX XXXX XXXX XXXX Acct # 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 XXXX XXXX It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Payday loan, title loan, or personal loan

Yes I applied for a loan and I was wrongfully denied. The company has been given numerous loans and they were all paid off and we do qualify but still no loan. I get error messages. This is the first complaint I have filed about this matter but it has been an ongoing issue since the last loan was paid off We are a 20 year plus account and we should not be going through this. 

I am on file at the Nevada Secretary of state. I do not choose to give my social security number out because XXXX XXXX who is the owner has given his and actually this is an LLC and it is not required by law and I am afraid of becoming the victim of identity theft. To my knowledge if it is an LLC it is not required. I am not sure if this is XXXX XXXX behavior or it is just illegal and unethical activity in business dealings.
Product: Payday loan, title loan, personal loan, or advance loan

1. On XX/XX/XXXX I paid off my Enerbank Home Improvement loan of {$45000.00}. 
2. On XX/XX/XXXX I received a new statement stating I have an outstanding balance, but providing no balance amount. When I went to access my account online, Enerbank system reported that my account does not exist and I can not access any historical payment records, including my XX/XX/XXXX payoff of $ XXXX. 
3. On XX/XX/XXXX I engaged 3 Customer Care Agents, just to have the calls hung up on ( note : the agents and I were in mid-sentence, therefore, I believe the Hang Up Issues was not because of agents intentionally hanging up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax was sent drivers license, social security card, Several FTC reports with updates as well as instructions on removing unauthorized inquiries from my report several times. Several times the above documents were sent and are on file with Equifax. It was explained that I was a victim of Identity theft, my personal information was exposed in an " EQUIFAX " data breach and an income tax was filed without my knowledge. A XXXX police report was filed. Every time I attempt to reach someone with regards to deleting the inquiries a representative responds that its nothing that can be done because all deleted inquiries are handled in a back office and there is no contact info available for, " THE BACK OFFICE ''.
Product: Debt collection

This letter is being sent to you in regards to the above reference account that Linebarger Goggan Blair & Sampson , LLP has reported and listed on all three major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation has been requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " VALIDATION '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for- HAS NOT BEEN PROVIDED. 
Explain and show me how you calculated what you say I owe-HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Provide me with copies of any documents that show I agreed to pay what you say I owe- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Identify the original creditor- HAS NOT BEEN PROVIDED WITHIN THE 30 DAY TIME FRAME. 
Prove the Statute of Limitations has not expired on this account- HAS NOT BEEN PROVIDED. 
Show me that you are licensed to collect in my state- HAS NOT BEEN PROVIDED. 
Provide me with your license numbers and Registered Agent- HAS NOT BEEN PROVIDED. 
At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against LINEBARGER GOGGAN BLAIR & SAMPSON , LLP for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX we created an ACH through our bank to go to several employees. 

After the fact, a bank member ( XXXX XXXX ) informed me that the money never made it to her account. After checking, we realized she had omitted one number in her account, so the funds could not find their way to her checking account. 

My bank ( XXXX XXXX XXXX, XXXX Ohio ) could not stop payment on the initial transfer, and we ended up giving her a paper check instead. 

I have attempted to call, but can never make it through the phone tree to get to someone to help. I've tried faxing and sending a letter with no response. 

Total amount sent : {$1200.00} Sent to USAA : XXXX XX/XX/XXXX Incorrect account number : XXXX Federal Tracing ID : XXXX it is well over 2 1/2 months since the mistake and no one is helping me.
Product: Credit reporting, credit repair services, or other personal consumer reports

My account will be frozen all weekend without my XXXX due to Early warning services LLC I have no idea who this company is or what it is about but for them to not be available on weekends for anyone to rectify whatever the issue is RIDICULOUS. Now I have to sit the whole weekend without access to my account because of whatever is going on with this company!
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. 

( XXXX XXXX XXXX XXXX : # XXXX THIS ACCOUNT Late payment removal month of XX/XX/2021 ) 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 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.
Product: Debt collection

I paid the {$120.00} because I received a statement. I was n't actually responsible for the debt because I had insurance. Now the company will not remove it from my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 accounts 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 US DEPT OF EDXXXX 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

I obtained my credit report on line. There is U.S. Bankruptcy Court item listed on my credit report. Per the FCRA 623 ( a ) ( 5 ) : If the Credit Bureau can not validate information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file. The County Recorder of Deeds and the Bankruptcy Courts have both mailed me letters which emphatically stating that they do not provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third party providers who collect information regarding public cases from public records. Public records information is never validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW.

Also per 15 USC 1681s-2 " 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 consciously avoids knowing that the information is inaccurate. Can this item please be removed immediately
Product: Debt collection

I noticed a collection account listed on my credit report. 
The debt collector is LVNV Funding. 
The debt amount is $ XXXXI sent them a letter requesting that they verify the debt by providing the original creditors name, and original debt amount etc etc. 
The letter stated that if they ca n't verify the information, they should remove the collection account from my account. 

They have not responded to the letter, nor have they deleted the account. 

The letter was sent with certified mail + signature confirmation required. 

I have a copy of all the documents that were sent to them. 

I also have a copy of the signature provided by the USPS - thereby proving that have indeed received the letter. 

I 'd like this account to be removed from my credit report in its entirety, since there no proof that it belongs to me. 

Thank youXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I reached back out to XXXX XXXX XXXX because they are still reporting to both ChexSystems and XXXX XXXX XXXX that I have some sort of charged off and/or delinquent account with them which is causing me to still not only open any accounts at a national bank, but is also affecting me in trying to open accounts at local banks and has caused my existing bank ( XXXX XXXX ) to close my account all predicated on their frivolous and erroneous reporting of an account that does not exist. They have sent me a letter stating that they are not reporting it, but the other banks have verbally stated that the reason for closure or for me to be unable to open an account is because of what's being reported to ChexSystems and XXXX XXXX XXXX. This is literally the example of holding my banking privileges hostage and this is illegal in nature. The reporting agencies have to bear responsibility as well in the erroneous reporting as this type of treatment is very systemic in nature.
Product: Student loan

I called several different times to start a deferment and was approved for information to be corrected by navient about late payments. But when I look on my credit report it says different causing my score to change. It looks like lve been missing payments. When I was told I had a certain amount of time to pay or submit proper documents about my hardship.
Product: Debt collection

The following collection company Coast to Coast Financial XXXX XXXX XXXX XXXX XXXXAccount number XXXXplaced a account on my credit report without ever contacting me in any form. 
I have written this company asking for documentation several times regarding this account and have never received a response from them. 
They are violating my rights under the FCRA
Product: Checking or savings account

There were only XXXX checks. I dont know if I downloaded the pictures properly. A fair resolution would be to release my money immediately so I can start paying my bills. They dont need to hold onto my money one day longer. Its criminal.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureau 's are reporting inaccurate names and addresses as well as fraudulent accounts and inquiries so I am writing you to see if you can help me resolve this issue before further damage is done to my credit report. On XX/XX/2021 I sent the credit bureau 's a list of inaccurate names and addresses and as of today they still report although I notified them that this reporting is a result of fraud. Attached to this complaint are the letters that were mailed and the identity theft affidavit that was filed through the FTC website.
Product: Credit card

This company has continuously, giving me the runaround and telling me that I can not use my destiny MasterCard, because of high risk and security purposes. There is no lock on my card There is no temporary hold on my card theyre saying that its fraud and high risk for fraud but its not high risk for fraud, because I have elected to verify my identity verify who I am and verify that it is me that is using the MasterCard. They are continuously not wanting to resolve the problem to fix my MasterCard. They are continuously not taking my problems. Seriously they refuse to talk to MasterCard in order to fix the problem the card works and then it doesnt work. This is not in the contractual agreement that I signed. This is also not a part of any agreement that I have signed. If my credit is available, then I should be able to use without any discretion. If my car can not be turned on, I would like for the account to be closed and all the money that was spent paid back by the company for damages of pain and suffering, and and a breach of contract. It is nowhere stated in my contract that My transactions will be declined by a computer system and there is nothing that can be done. This is a breach of contract contractual agreement between consumer and credit card company.
Product: Credit reporting or other personal consumer reports

Transunion, XXXX, and XXXX are all reporting my XXXX XXXX on a XXXX XXXX bankruptcy. uscourts.gov states, " Bankruptcy courts do not report or provide information to any consumer credit reporting agencies. '' I have not given any written consent to Transunion, XXXX and/or XXXX to report this information on my reports. Nor do any of the credit reporting agencies have any permissible purposes to do so.
Product: Money transfer, virtual currency, or money service

Trying to link my PNC account to my XXXX XXXX by XXXX account and PNC is denying this. I need to be able to transfer some of my funds to this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO FILL OUT FRAUDULENT APPLICATION IN MY NAME I am writing to request and initiate a formal complaint against XXXX, TransUnion and XXXX CRA. On XX/XX/2020, I mailed XXXX, TransUnion and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, CA, XXXX
Product: Student loan

On XX/XX/XXXX, I applied for a new income driven repayment plan after receiving multiple emails encouraging me to apply. The new plan promised to freeze the accrual of interest while my student loans were in deferment due to a Borrower Defense Application I submitted in XXXX, XXXX. I received an e-mail on XX/XX/XXXX stating that I should expect to hear from my Servicer ( Nelnet ) within XXXX weeks. To date, I have not received any communications from Nelnet regarding the status of my application other than an e-mail from XX/XX/XXXX advising if we havent finished processing you application in 10 days, we will follow up with and email. Every day this application is not approved, the interest on my student loans increases substantially. From the the time I submitted my application over {$2000.00} has accrued on my loan. 

On my online account, Nelnet claims to have received my application on XX/XX/XXXX, despite my earlier submission of XX/XX/XXXX ( accompanied by an email confirmation ). Nelnets promised timelines on their website and in their e-mails do not represent reality. Nelnet benefits by delaying my application approval given that they are receiving the interest accrual. 

Nelnet seriously misrepresents pertinent information to borrowers and gets away with it, costing us thousands. Any attempt to reach them by phone takes hours. Throughout the summer and fall of XXXX, have have attempted to contact them numerous times. Most of my attempts include 1-2 hours on hold.
Product: Credit reporting

In XX/XX/XXXX, I called XXXX to pay all balances in full through phone, and the XXXX representative agreed and confirmed that the account was CURRENT. Then, I requested the account to be closed. 

Upon checking my annual credit report on XX/XX/XXXX from the XXXX credit reporting agencies : Experian, XXXX, and XXXX, I have found that my credit reports showed my closed XXXX account was " 30 days past due ''. 

On XX/XX/XXXX, I wrote a letter to XXXX and requested an investigation to resolve the issue. In the letter, I provided XXXX with full name and account number. 

On XX/XX/XXXX, XXXX wrote me a letter to request me to send XXXX the full card number which I did not have because I already destroyed the card when I closed the account. 

On XX/XX/XXXX, I wrote a letter to XXXX to explain them that I no longer possessed the card and therefore was unable to provide the card number. However, I gave them my social security number and date of birth including the full account number, and requested XXXX to investigate. 

On XX/XX/XXXX, XXXX responded in a letter stating " Our records indicate that the information appearing on your credit report is correct '' without providing any physical evidence and detail how XXXX came to that conclusion. 

I do not agree XXXX conclusion without providing any physical evidence to prove that the payment was late in XX/XX/XXXX. Furthermore, I do not agree with XXXX tactics to delay the investigation by requesting the information that was already provided such as account number. 

Since XXXX is not able to provide any physical evidence that the payment was late in XX/XX/XXXX, I request XXXX to notify the XXXX credit reporting agencies : Experian, XXXX, and XXXX to remove or delete the negative item on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to FIX some of the erroneous accounts in my credit file ; however, there are still many accounts that need to be FIXED. The 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
Product: Debt collection

A collection was added to my credit reports for a late payment in XXXX of 2018 in the amount of ( XXXX ). It for a {$2.00} payment for my XXXX account. It is an account for XXXX, but apparently ( I assume ) the billing process at some was taken over by Wells Fargo, so the account appears as /WF/XXXXXXXX  After several debits from my checking account by WF, I put a stop on it, simply because I has no idea who WF was? Ultimately, I spoke with XXXX customer service and after they explained who WF is and their relationship to my XXXX account, I paid the {$2.00} and XXXX agreed to remove the late payment. 

I have disputed this late payment with all three ( 3 ) credit agencies and they have come back with essentially with " Consumer Disagrees ''. XXXX is not following up with what they told me over the telephone. 

A review of my credit files will show this is the only blemish on my files. This {$2.00} late payment is reducing my FICO score about 40 point! A review of my credit files will also indicate there is no way I would jeopardize my credit worthiness over {$2.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a natural person, i am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they have violated my rights numerous of times. I demand the accounts listed below be removed because, According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to finish these accounts. 

Accounts : -XXXX XXXX XXXX XXXX XXXX XXXX XXXX