23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR PDQ, INC., or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR PDQ, INC., has sent dunning letters saying I owe them money because they bought this from some other individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR PDQ, INC., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR PDQ, INC., this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 

THIS DEBT COLLECTION AGENCY DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax conformation # XXXX XXXX Bank XXXX # XXXX date of last payment XX/XX/2016 Historical account information date of last payment XX/XX/2016 Date of XXXX Delinquency. XX/XX/2016. Should be XX/XX/2016 Account history should be corrected to reflect XX/XX/2016 as date of XXXX delinquency. 
I was told by Equifax employee that they are not responsible for the accuracy of the information they provide. It is the creditors responsiblity, and when there is a dispute they contact the provider, and it the provider tells them the information is accurate. Then the information is accurate and can not be changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX I had my card stolen, and some charges were made. When I contacted XXXX  XXXX XXXX  to alert them of the charges they told me NOT TO MAKE A PAYMENT since I had a XXXX balance on my card before the fraudulent charges. XXXX XXXX XXXX  proceeded to report the card as having been 30, 60, and 90 days past due in XXXX, XXXX and XX/XX/XXXX. 

In XX/XX/XXXX I contacted XXXX XXXX XXXX after the disputed charges had been settle. I asked them to take the incorrect past due reports off my credit file. They agreed that they were mistakenly report and that they would take them off. However, they did not. 

Again in XX/XX/XXXX I contacted XXXX XXXX XXXX  for a final time asking them to delete the reports from my credit file. They agreed that they would. Again, they have not.
Product: Credit reporting

XXXX -THIS COMPANY REPORTS ABOUT RENT ISSUE, FIRST OF ALL I MOVED GAVE 60 DAYS NOTICE, AT XXXX , BAD EXPIENCE XXXX I WAS NOT MOVING TIL 15 DAYS AFTER I INFORMED THEM THEY SAID OK, I WAS A GOOD TENANT, BEEN THERE 2 YEARS RENT WENT UP, I LEFT, I PAID WHAT THEY SAID OWED, WHEN I LEFT THEY SAID OWED XXXX DON ; T KNOW FOR WHAT I PAID XXXX, SO I WO N'T BE PUT INTO CREDIT REPORT, XXXX PROMISED, I JUST FOUND I BEEN REPORTED FOR NO REASON AFTER I PAID IN TIME, AND ONE OF MY REPORT SHOW XXXX I ALMOST CRIED, I CALL, THEY SAID WILL TAKE CARE, STILL ON MY CREDIT REPORT, IN REMARKS COMSUMER DISPUTING, I DID WEB ONLINE INVESTIGATION. PLEASE HELP ME. I DID NOT GET A RECEIPT, BUT TRANSACTIONS APPEARS ON MY BANK STATEMENTS, I CAN GET FROM BANK ...
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times to have this fixed directly to XXXX and thru CFPB. I'm going to try one more time and provide a lot of documentation along with this complaint. LVNV account number XXXX is reporting twice on my XXXX credit report. No one is reading my complaint. I know this because every response I am getting back validates the accuracy of the account. Accuracy IS NOT MY COMPLAINT!! posting it twice on my credit file is my complaint. I even received and response from LVNV directly that only addressed the accuracy of the submission. Not the fact it is on the file twice!!!
Product: Money transfer, virtual currency, or money service

I was sent two fraudulent checks on XX/XX/XXXX and XX/XX/XXXX. I was informed that the checks were issued by a superior. The deposits were not flagged by XXXX XXXX XXXX immediately, that occurred several days later, which led me to believe the funds were available. The sender then requested money be sent via Zelle on XX/XX/XXXX and XX/XX/XXXX. In the process, and as previously stated, these fraudulent checks were not flagged, which resulted in the loss of XXXX ( XXXX XXXX XXXX XXXX XXXX. The sender has not responded to any communication.I have reached out to the sender via text and by phone, to no avail. I contacted XXXX XXXX XXXX, and was told to contact Zelle directly. Ideally, I am asking that my money is refunded, one in part with the delayed identification of fraudulent checks by XXXX XXXX XXXX and two, with the lack of protection or additional authentication from Zelle. I did not receive communication from XXXX XXXX XXXX until, XX/XX/XXXX and XX/XX/XXXX. I am currently at a loss of XXXX, due to this scam, with no protection offered from Zelle or XXXX XXXX XXXX. I would think my bank or Zelle would take this into consideration and provide an appropriate response during a time where someone took advantage of me. I would like to get this case resolved, even more so as we are in a pandemic. COVID-19 has had a severe impact on my finances and I have done my best to save for any unexpected or unprecedented expenses. Due to the nature of this, and severity of the situation, of which I am sure I am not the first victim, I am asking that a resolution is offered and there is a Zelle Chargeback Claim filed.
Product: Credit reporting or other personal consumer reports

I received my credit report on XX/XX/year> and notice there were accounts that do not have permissible purpose to be on there. I already reached out to the credit bureaus about this multiple times they keep violating my rights under 15 USC 1681b. In acordance 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA 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. I also asked for the original contract to be provided and it was not.
Product: Credit reporting, credit repair services, or other personal consumer reports

The below items do not belong to me. Please assist me in getting these items removed. I have sent in a police report to the XXXX and XXXX with regards to this account not being mine. XXXX XXXX XXXX XXXX - XXXX : {$22000.00} ( XXXX XXXX XXXX ) The following items are reporting incorrect late payments on my credit reports. Please investigate this matter and remove the following accounts : I have noticed the day of activity does not match. I have tried resolving this issue with UPGRADE ( XXXX XXXX XXXX, XXXX ), XXXX XXXX ( XXXX XXXX XXXX, XXXX ), XXXX XXXX XXXX ( XXXX & XXXX ). I havent had any luck fixing this issue. I have asked them to please provide on many occasions, documents verifying that I own these accounts at question and they have not. Please investigate this matter and remove the following accounts. 

Are you familiar with something called 15 U.S.C. Sec. 1681 ( a )? I heard that if you can't provide proof, these accounts must be deleted. Well, I want these accounts deleted if they are not 100 percent right and correct. So, could you please check on these and get back to me? I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not correct on them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous personal information reporting on my Credit Report : XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX CT XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

This was early 2000s, well Fargo claimed to be point of sale on debit. Instead, they would batch transactions, processing the biggest ones first and assess multiple overdraft fees for every tiny transaction. My situation involved a double charge by another business. Over a weekend. Instead of processing transactions in date and time order, they processed the largest ones and assessed me over {$300.00} in overdraft fees. They refused to correct it. I feel they ripped me off and lied about being point of sale. If you use a debit, it should be processed in date time order.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a CFPB complaint back on XX/XX/22 under ID # XXXX regarding identity theft to Experian. In their response to me they indicated that the 4 fraudulent accounts were no longer being reported at this time on my credit report. However, upon reviewing my credit report today XX/XX/22, the 4 fraudulent accounts are still being reported. I demand that you remove those 4 fraudulent accounts immediately. 

Thank you, See attachments
Product: Student loan

Nelnet continues to withhold my ability to access my account. I have repeatedly asked for support by way of IT and general customer service. It must be noted that my access worked up until my attorney was engaged and I have correspondence from a CS rep indicating my status doesnt qualify me for access. 

I simply need the team to work with me and reset my account or provide guidance as to how my account can be reset ( its not simple troubleshooting ) and next steps so I may view balances and other important information I was able to view until it was brought up that Nelnet mismanaged my account.

Ive attached a screenshot highlighting the rep from Nelnet that I may not have access- my attorney is ccd on the same message and my status doesnt prohibit me from access accounts tied to my PII - Nelnet is limiting my agency by withholding information. 

I will continue to file and publish these consumer issues until Nelnet restores my access.
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, 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

Today I received a letter from Bank of America failing to provide the information of requested documents of all accounts Bank of America has also used to supply address to the apartment needed in which to send a certified letter to in regards to requesting the documents that is needed and that had been requested over four months ago which has not been provided as of this date. I was notified that there were several several accounts open up my in my name in different amounts and Bank of America I have requested them to send me every single one of those documents all information pertaining to these count provided by federal law and which they have refused to do so I'm here by giving him another 15 days to supply these documents or I'm going to file with the Federal trade commission and I'm also requesting them to cease and desist after the 15 days of all communication all post in or anything and this will be considered as a legal document I need the information all they supply me was account numbers I can not do anything or the police department can I do anything with reference numbers not any good show me proof I want the proof which gives me the right to request the information from you. Here is the letter Bank of America has sent to me without the related proof of each one of the documents I can not do anything nor can a police department we don't know what's going on in these cases I have a right to know the transaction history and what was bought with all of these and what address was associated with this account
Product: Debt collection

I filed bankruptcy last year and National Credit systems continues to report a negative item onto all three of my credit reports, in which violates the FCRA. I am not liable for any alleged debt owed.
Product: Checking or savings account

Hi, Ive been a customer of Ally Bank for over 10 years, and I have several accounts there ( Investment accounts, checking, savings, and several CDs... ) For the past XXXX  months, Ive been denied online login to my accounts. Every time I try to log in on my cell phone application or any computer, it lets me finish all the steps and then gives me a message that login is not available now, call customer service for XXXX help, I called so many times for resolutions and every time I wait forever to speak to someone who can help, and got IT ticket numbers that never reached resolutions, or even a phone back to acknowledge the problem and provide any help Their IT department tried to blame it on my cell phone and my computer security/ internet, preventing me from logging in, but my wife and son can use my cell phone and the same computer to log in to their accounts in Ally Bank successfully On one of the calls, I asked to speak to a supervisor, and I was on hold for over 32 minutes, then I was told that they would call me back, but I never got a callback. 
In one of the emails, they tried to blame it on me for using the wrong username/ password, but I took screenshots and proved them wrong as the error screen appears 3 steps further after I had to enter a valid username and password ..., The ticket number I got was on XXXX XXXX, XXXX  ( Ticket XXXX ), Is this how online banking should be? And is this the service I should get? Please advise. Thanks,
Product: Credit reporting or other personal consumer reports

In 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 an account without my written instructions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Transunion keep listing an old XXXX  XXXX credit card bill thats XXXX or almost XXXX years old opened in XXXX. XXXX XXXX keeps selling credit card debt to different agencies and keeps punching back the date it should be removed. I had a XXXX XXXX and couldnt pay it. Now XXXX XXXX  is listing it. Ive dispute the dates but have no way of proving I stop paying in XXXX so its at least XXXX years past due. I cant see when this is going to come off?? XXXX years? Pleas help XXXX XXXX
Product: Mortgage

I am XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Wells Fargo wrongfully foreclosed on my business property for non-payment of taxes. They found out later that the property taxes were paid in full. The bank forced me to move out of the building as they listed it to auction. They offered the property back to me 6 months later after recognizing their error. However, I was committed to the terms of another lease and was not in the strong financial position to move my entire business back to the property. I had exhausted all my funds in bank fees, lawyer fees and attempts to stave off the foreclosure. The bank foreclosed on my building in XXXX of XXXX and would not give me any information on the proceeds from the sale. I owned the building 12 years and had significant equity in the property that the bank kept as " surplus ''. Wells Fargo destroyed my XXXX XXXX ; my plan for retirement ; my credit and cheated me out of any proceeds from my 12 year investment ( mortgage ).
Product: Credit reporting or other personal consumer reports

I recently applied for auto insurance and the agency collected information from LexisNexis Risk Solutions. Initially, their report was frozen and therefore XXXX XXXX denied my application due to the LexisNexis freeze. At first, I was confused since I had placed a freeze on all XXXX credit reports at XXXX, XXXX and XXXX, however I have NEVER done business with or heard of LexisNexis before. After unfreezing my XXXX credit reports, I learned that LexisNexis had placed a freeze on my report which had nothing to do with the other bureaus, and I spent hours connecting to a live representative to hash this out. Then the agent submitted a request for an insurance quote a second time to LexisNexis but a denial was issued again due to info on their report about an insurance claim I filed one time. The report provided to XXXX XXXX had XXXX reference numbers, however after speaking with LexisNexis, I was told that only ONE claim has been filed. The representative stated that she did not recognize the second reference number and therefore had no details to provide me with. I asked her to escalate my concern to corporate because I have been denied auto insurance due to false information provided by LexisNexis which gave negative inferences that I had bad credit and XXXX incidents reported which is completely inaccurate. I then choose to opt out of their information sharing because I never gave LexisNexis my permission to store my information and the document they have provided is inaccurate, plus there is no specificity provided on what the XXXX incident was leading State Farm to believe that I was uninsurable.
Product: Debt collection

Jefferson Capital bought my XXXX wireless debt from XXXX XXXX collection campany - in XXXX XXXX. The original date of debt was back in XXXX with the original collector and the original company reported it correctly. After all these years I saw that the debt finally came off my report only to notice a couple months later that a new collection company put a new collection on my report. When I contacted this company I noticed that the amount was the same that I previously had on my report from the XXXX debt. Jefferson capital decided put on my report my old debt with a re-aged date of when they acquired my debt. When I spoke to the supervisor about this not being a legal practice and that they should n't penalize me all over again for my mistake that I made years ago they said that they reported the date that they bought the debt and that they are not re-aging or breaking any FCRA rules and regulations. I feel very hurt and upset that a collection company would lie and re-age my debt that I have already paid my price for. When I asked them to send me their prof of the documents that show exactly when I did n't pay this XXXX account that they put on all XXXX bureaus they said that everything is electronically done and they do n't have those files to send me. I asked them how that is possible to report collections onto peoples reports and not have the documents to support them. The supervisor said that if I have a problem then to dispute it because they did nothing wrong. I 'm disappointed Jefferson Capital is not following the rules. Please help me put this old debt behind me so that I wo n't be punished all over agin. Thank you, XXXX XXXX